WillisBack/dataset-financial-user-claim huggingface dataset:
Good morning, my complaint this morning is with Wells Fargo Bank. I have recently been charge fees in an unfair way. Out of XXXX transactions I was short in funds for XXXX but to do to the way they sequenced my incoming charges, they charge me for XXXX fees. This is not the XXXX time they done this. I tried compromising with them but they say that its the way checks get presented that they process through account and that 's not true. I had XXXX transactions presented in the account throughout the noon time of that day while I had a XXXX transaction processed until later that evening ; and as this transaction was the XXXX in posting sequence, I know its not what they use as excuse. In that sense they can always say that and unless a customer like my self talks to the payees and know the way the payees bank process, then we can track down every time but Wells Fargo bank knows no one will do that and can take advantage of the system that way. Nonetheless, to my understanding, it was already in the regulations for banks to not this process as they profit more. 
Note : I 'm also aware that the process of items with banks can goin a sequence from atm to debit, to electronic checks then manual checks regardless of amount but this case was manual checks deposit.
This account was opened in XX/XX/XXXX by my husband. I was an authorized user on the account. At no time could I call and do anything with the account. On XX/XX/XXXX my husband moved out and forwarded all his mail to his new address. Until this showed up on my credit report I did not know he canceled the card on XX/XX/XXXX. I already had the XX/XX/XXXX payment set up in bill pay. 
This account being reported on my credit report is effecting my ability to get a mortgage. I have tried several times to get resolution but it has come to nothing. I called yesterday and spoke with a woman in Recovery that happily took my new mailing address but other than that would not talk to me about the account without my ex husband 's consent. She also told me the account balance is {$150.00} more than I thought and to have it shown as paid I have to pay the entire amount. 
My ex husband would never do a thing to help me, in fact opening this up will result in another barrage of insults and threats. The last time I contacted him about left over business from our marriage he wanted to know why I was n't dead yet. Due to our son being a minor at the time he had a {$100000.00} life insurance policy on me. I feared for my life. I never gave my social security number to be associated with this account. 
If I can not get information or deal with this how can it be reported on my credit report?
on XXXX/XXXX/XXXX I filed a complaint on XXXX XXXX XXXX on NCB Management Services Inc in regards to them not being license in the state of florida to collect and they responded insisted that they are license in the state of florida, I rejected their respond and wrote back telling them that they are NOT license in the state of florida to collect and they responded back on XXXX/XXXX/XXXX insisting that they are license in the state Florida On Florida Ofiice of Financial Regulation website, XXXX XXXX is only license in the state of PA, License # XXXX. 

I have attached response that I receive from NCB Management from my complaint on BBB and I have also attached Proof showing that NCB is not license to collect in the state of Florida.
XXXX   XXXX   XXXX   processed a private student loan request that is now being serviced by Navient. I did not authorize said loan to be processed and in fact was under the impression that the only student loans processed were Federal Student Loans.
<P/>
After finding out there were in fact private loans processed, I entered a rehabilitation program through Pioneer that promised to clear the debt within a short time frame. According to the online records I was able to obtain, none of those payments I agreed to with Pioneer have been adequately applied to the account, nor did those payments remove the erroneous default reporting that Navient has been continuously reporting.
<P/>
I am very   XXXX   about the negative reporting as well as the enormous accumulation of interest that has been applied to a previously {$18000.00} loan, which now shows over {$50000.00} in debt due.
<P/>
I believe the CFPB would agree that the Pioneer and Navient are credit predators and through deception extended a loan without my knowledge, and went further to add egregious amount of interest that is an unbearable amount.
<P/>
In addition to the aforementioned,   XXXX   XXXX   XXXX   is a closing school and has also lost its accredidation. Further details of the events of this school can be found in the " Borrower 's Defense to Repayment '' I attached to this complaint and that was submitted to the Department of Education regarding the federal loans.
On XX/XX/2016 I refinanced my property. My title company wired my mortgage payoff to Wells Fargo on XX/XX/2016, the day of my closing, and the title company has confirmation of that wire transfer. Upon a review of my escrow account history with Wells Fargo, I saw that Wells Fargo withheld an additional {$130.00} indicating that it was because they did not receive the wire from my title company until XX/XX/2016. That is not true. 
Wires are received within 24 to 48 hours. They received the wire timely and did n't get around to processing my payoff until XX/XX/2016 resulting in their holding the additional {$130.00}. I requested that Wells Fargo review my account, and provide proof of when they actually received the wire and refund me the {$130.00} that they withheld in error. If Wells Fargo is behind in processing wires it should not be at the expense of the consumer.
In XXXX I opened a XXXX XXXX XXXX card that offered two free nights with a spending limit. I have not received the two free night and have been following up since XXXX and keep being told that I need to wait but that the certificates are coming. I would please like the nights to be issued immediately as I have met the terms outline when I applied. 

I 'll attach a screenshot from your XXXX team. They confirmed the spend and terms of the bonus and asked me to reach out mid XXXX if I had n't received the free nights. 

When I ddi n't receive the certificates in XXXX, I called on XXXX and spoke with XXXX who confirmed the spend and said I would have the certificates shortly. The reference number she gave me is XXXX. 

It 's now late XXXX and I do not have the certificates. Please issue them since I have been promised them several times by XXXX.
PREVIOUS COMPLAINTS FILED WITH CFPB : XXXX XXXX SPS had consecutively delayed the file for one reason after another. I ask a member of management review the notes to see exactly what I mean based on call records as there have been too many occurrences to count. If needed I can compile dates and instances of unnecessary delays but I have already had to waste too much of my time as is. 

I need a manager to call me
I have a loan with CarMax. I am currently behind on the payment and have made payment arrangements through their online system to bring the account current. CarMax continues to call me leave messages and the call back again. They continue to first leave a message and then call back later in the day and not leave a message on the same phone number.
There is a report from XXXX XXXX stating the balance is Unpaid and there is still a balance owed. It did go to a collection agency but I PAID it off and have a letter stating so. So the exact same INCORRECT information has been reported XXXX on my credit report.
To Whom It May Concern, XX/XX/XXXX I took out a payday loan at XXXX XXXX XXXX XXXX. I took out a loan for XXXX I Miss a late payment. I paid the entire loan off In XX/XX/XXXX. I have receipt to prove my merits On this matter.
Portfolio Recovery Associates calls me on almost a daily basis trying to collect a debt that is way past the statute of limitations on debt. I have asked them to stop calling me and told them that I have no intention them of paying a debt that is past the statute of limitations, especially when the debt was sold to them from a credit card company. I am not going to pay them for a debt that I never signed an agreement to pay them for. The debt was with a credit card company several years ago, not with them. I have explained this and asked repeatedly for them to stop calling but they continue to harass me.
On XX/XX/XXXX, My son contacted me by text, to inform me of a call he'd received from XXXX XXXX XXXX XXXX XXXX XXXX ( " A law group '' ). He informed my son of an amount due and said that they were filing a court case against me, that I " had committed fraud '' On XX/XX/XXXX I was able to reach XXXX XXXX. I contacted him, to gather information. I assumed the original debt, had been " sold '' to his company. I asked for an account number and the address of the company. XXXX XXXX began a verbal assault of my character and cited details of my credit report to back his assertion that I am " a loser '', and refused to give me an account number or their address. XXXX XXXX called me a " loser '' several times and said, among other things, that I " rip people off ''. There was a lot... 7 mins of character assassination. I was able to record the last 2 min or so. XXXX XXXX said the debt about was {$2000.00} more than it actually is. I also reminded him that it was illegal to have informed a member of my family of the debt amount and I felt certain it was not correct. He verbally assaulted me some more. 

Through more research, I was able to find the actual " owner '' of the debt - XXXX XXXX XXXX XXXX. They " outsourced '' the collection, but XXXX does not " own '' the debt. I was also able to ascertain the correct balance and the representative I spoke with ( at XXXX XXXX ) said there was no reason for the account to be {$2000.00} more. 

Not only did XXXX XXXX threaten me with jail, and verbally assaulted me, saying I was a criminal and a loser, he tried to coerce {$2000.00} extra dollars from me. 

I am so grateful I persisted and found XXXX XXXX. They have agreed to " pull back '' the account from XXXX, so I should not hear from them. 

XXXX is not capable of decent conversation, compromise, or negotiation on behalf of anyone.
We were offered 0 % interest convenience checks from Barclays Bank, and used XXXX of them before the expiration. On our next bill we were charged interest on this check, we contacted the bank at least XXXX times by phone and e-mail, sent them all of the requested back up and have not had this matter resolved. At this point we are being charged over {$100.00} interest for this 0 % convenience check, we need relief from this bank.
I ordered my credit report from all three bureaus from XXXX. Once I got them and looked them over I noticed unauthorized activity [ FRAUD ] on all three credit reports. When I saw this, I contacted XXXX and XXXX immediately -- They acted IMMEDIATELY with disputing the unauthorized items on my credit report, and they placed a fraud alert on my account to protect me from Fraud. Their services were awesome, and they were so kind. 

CAN'T SAY THE SAME ABOUT TRANSUNION. 

I contacted them, and told them that I have unauthorized activity on my account [ INQUIRIES THAT I DID NOT AUTHORIZE ] and they completely gave me the run-a-round, saying they couldn't and would not help me. The people I talked to were rude. They have no IDEA the trauma that goes with fraud. It's sickening to know that these people won't even help someone that's experiencing something like this. The only thing I needed disputed and deleted were ten inquiries that I DID NOT make.
went to XXXX XXXX to purchase a pick up and they made 8 hard inquiries on my credit.
I moved from this location 2 years ago and my partner s daughter took over the account ( XXXX XXXX ) they continued paying the bill. And equipment is still in their house under a new name. I called the company to set all this up.Called the collection company recently and they said they will remove the derogatory mark but did n't see it happen. Thank you
account information is incorrect ... they say i owe {$99.00} in interest and yet they are taking {$210.00} i feel they are loan sharks ... i 'm sure after again reviewing my payment history this has been going on since 2012 this only one of my complaints..i constantly get the run around..i have tried making extra payments..i finally got that resolved ( i think although i do n't trust them and there math ) they made me go though many hoops on this write check call ect. ect. ect. and in end applied to interest, they are intimidating dishonest they also have to many service fees loan sharks
Hello I got this check in the mail for auto finance and I have been trying to cash it and the banks nor any store can read it. And I have been emailing a XXXX XXXX about this situation the guy who wrote the check for me and I 'm just confused as to why it 's not going through
XXXX XXXX continue to harass me about a debt that I have no knowledge of. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this. Not only this, they called asking for my XXXX year old son and when I told them that my son was only XXXX the man replied " there 's no way that 's possible. I 'll find a better number to reach him at. '' They hung up on me and continued to call multiple times after that.
BBVA is the absolute worst company ever. You can't get through to their line for the life of you. I am currently on hold for 45 minutes AFTER being HUNG UP on by he previous representative. I hate this company and their poor customer service.
Paid this account in full and was told by operator would change status to paid as agreed and then would be removed from my report. However to this day it is still being reported as a debt and amount owed not reported so it looks like i still have a balance.
XX/XX/2018, {$180000.00}, Seems the settlement company 's email system is hacked. A fraud person send the wire transfer information, trying to get the settlement fund other account. Below is the fraud bank information : WELLSFARGO BANK, N.A. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ABA # XXXX XXXX XXXX CREDIT TO : XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT # XXXX XXXX XXXX
I took out a loan for my daughters education prior to XX/XX/XXXX. The Loan amount was {$7200.00} that I got approved through my local Credit Union. 
I have struggled with employment since then and had to file chapter XXXX bankruptcy twice with the last in XX/XX/XXXX. I listed the loan in each bankruptcy and was told the loan could not be forgiven. Over the period of the loan I have been granted forbearance at different times. 
My Loan was changed on XX/XX/XXXX to a lower interest paying off the original loan which I had paid {$2700.00} to that point. Since then I have paid {$6200.00} for a total paid over time of {$8900.00}. They say I still owe over {$4000.00}. I am XXXX years of age and on only Social Security. 
I will struggle at best to pay this loan and do not understand why I owe so munch.
My issue is with Chrysler Capital. I leased a XXXX XXXX, and recently bought it out of the lease for {$23000.00}. Of that amount, {$1500.00} was sales tax. 
When I received the bill of sale and title, I took it to our county title office to have it put in my name. I was told at the office that they had not received my sales tax, and that I could not own the vehicle until it was paid. I called Chrysler Capital for advice on how to proceed. I spent over an hour on the phone that day trying to be directed to a person in the title department. Once you no longer have an account with them, it 's nearly impossible to get through their automated process, as your SSN is no longer recognized. 
When I got someone on the phone, she checked in to everything and assured me that the sales tax would be coming back to me. I was very clear that I needed it to come to me, a check in my name. She said yes - 7-10 days and I would have a check in my hands. She told me that I could wait for it, or pay the Sales tax again to have the vehicle put into my name that day. I decided to pay it. 
Two weeks later, I have no check. I have now spent the better part of 2 hours trying to reach someone at Chrysler Capital. The first woman in the title department looked into it, and then told me that there was no check coming to me. We were then conveniently disconnected when I questioned it. She never called me back. I called back three more times, after going through the automated process each time, I was hung up on again three times. I have a complaint in to my dealer. Please help me resolve this issue and get my missing sales tax. I would love to hear a copy of my phone calls that are 'monitored and recorded ' each time, as they will confirm my side of the story.
On XXXX/XXXX/XXXX XXXX admitted they open a claim up on me in error, it been affecting me getting homeowner insurance and have my rate extremely high to do damaging my XXXX report, which a clear violation of FCRA which is govern by FTC. Foremost send me a letter out admitting it was a error, but XXXX failed repair to reporting on his XXXX report its been 18months of get denied and being embrass because denial. In XXXX XXXX XXXX XXXX place XXXX claim on my history and a XXXX and XXXX on my file in XXXX XXXX and XXXX XXXX these claim were only supposed to be XXXX claim which Texas Insurance Commission agree via by accept my complaint against XXXX XXXX. Only XXXX claim was filed which was XXXX XXXX XXXX and since I filed a claim which insurance commission it was a tactic to make me pay higher rates or be denial coverage.
Hello, I recently applied for XXXX seperate things PSLF and the REPAYE program. I was told that I was not eligible for the public service forgiveness and it was like they never received my REPAYE application. Based on where I work, a XXXX helping veterans, it was told to me that I was eligible. I am a little confused on that. As far as the REPAYE issue, I have applied for it twice. I have heard nothing back, and they just placed me in the standard income driven plan. Please look into this for me.
I feel like Wells Fargo is being discriminate against me because I am XXXX. Wells Fargo can not collect debt that pass the statute of limitation. Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ).
I have repeatedly received collections against my credit from these collectors. I always have to contact the credit bureaus and get them to clear out the collection. I have no knowledge of this collection. I would like to stop being harassed by these collectors about something that is not mine. I do n't have any bills from them and I have no information about this. They repeatedly add collections to my account even though I have told them to stop many times. They must stop trying to collect debt I do not owe.
Hello, I would like to submit a compliant against Ally Bank XXXX XXXX XXXX. I purchased a XXXX Jeeo from XXXX on XXXX XXXX, XXXX TN in XXXX of 2016. The dealership chose Ally Bank XXXX for my lender. Two weeks later my jeep was struck by a combine and ruled total loss by XXXX. Weeks after going back and forth with Ally and XXXX on who was responsible for sending what documents. I requested all documents be sent to me and I disperse. XXXX has sent everything I asked for. Ally has not. They refuse to send my letter of guarantee so XXXX can payoff my account. My insurance agent emails and calls every week and so have I. We both have numerous emails requesting the letter. Meanwhile Ally is charging my account interest. I 'm also out another down pymt and rental car fees. They refuse to let me talk to a supervisor or give me an email to a supervisor and their website does n't have enough information. A customer service rep confirmed today they are not answering calls within the United States. They are in the XXXX answering calls for the company. Today, I contacted a lawyer but he said until they give me a letter of charges there is n't anything he can do but write letters. So, I wrote letters today. I contacted the dealership and warned them of using this company as it 's a big negative for them for future customers. All I need is my letter of guarantee to resolve this matter. If you can please help me so I can pay off my account it would be greatly appreciated.
paypal is the company for the last month i have went to the site nearly daily to pay down my account balance and to make the payment online as i have done for the last few years. every time i go there it says unable to make payments at this time. 

then after several weeks of this i done the online chat to find out they are working on their system and did not know when to expect it to be fixed. 

they then told me after weeks of unable to make payment at this time that i could pay over the telephone or send in my payment. 

this should be posted right where the unable to make payments at this time is and should tell you since hard paper billing is not on to turn it on so you can know where to send the payments to. 

i feel this is like a payment trap for senior citizens in that they may not know how to navigate to find all the information needed or may end up owing late fees due to waiting for unable to make payments at this time, thinking it is going to be fixed and has been like this for weeks with modern technology being as it is, you would think this problem should have been fixed by now. 
what this is telling me is our bank accounts and credit cards may have been compromised with all the hacking into online systems and that the company is trying to fix it or hide it, until maybe they are able to secure the server
XXXX significant things. First, Citi failed to follow California law when dealing with my billing dispute ( which involved a vendor charging me but not sending me what I ordererd ). They claim that they do not have to follow XXXX law, however, the law clearly applies to a transaction between a CA vendor and a CA buyer. Second, while trying to resolve my dispute with Citi, they made over XXXX collection attempts, which included XXXX disturbing telephone discussion with a Citi collection agent who was very aggressive and threatending, and who indicated there was no record of any dispute.
I have reported the fraudulent account with XXXX to the FTC and have attached the report to this complaint. I have also alerted XXXX that the account was the result of fraudulent activity. Experian is currently investigating this, however, pursuant of the Victim of Identity Theft clause of the FCRA ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I demand Experian block this fraudulent account from my credit file within the next 4 days. Experian is not handling this dispute properly and it is costing me a great deal of money. If left uncorrected, I will be forced to take legal action.