WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is regarding a 12 day freeze hold placed on my Wells Fargo Bank Business Platinum business card. 

I realized there was a freeze hold placed on my card yesterday XX/XX/18 after speaking with a Wells Fargo Customer service agent at XXXX pst. I explained that this card is the lifeline to my business and without the card, my business is completely paralyzed. If there was an emergency supply needed or equipment failure there is no way to remedy the problem. I also advised the representative that Wells Fargo never contacted me either verbally or by email indicating that they would be taking this action. The representative did not provide the name or contact information of the supervisor. 

After enduring almost 20 minutes of bank jargon, I repeatedly asked the customer service agent to speak to a supervisor and she refused to transfer the call. I was told that she would escalate the matter and that I would receive a callback within 1-4 hours. A supervisor from Wells Fargo bank never returned my call. 

At XXXXpst, I contacted Wells Fargo Bank to find out what action had been taken to remedy this situation. I was transferred to a supervisor named XXXX XXXX and was told the freeze hold was removed from my card and I was able to utilize the card. She was also advised the funds are available for immediate payment. I was told " Don't worry We've got your back. '' At XXXX XXXX I attempted to use the card for a small transaction only to discover that Ms. XXXX misrepresented the facts and the card was still unusable. I called back Wells Fargo Bank only to be told that the per Ms XXXX the that the card " had the freeze hold removed then replaced. '' I was then transferred to a complaint division where the call was disconnected. I had provided contact information to WFB. Wells Fargo Bank Failed to return my Call. 

This morning, I spoke to a consumer representative who transferred me to a case worker within Wells Fargo Bank named XXXX. Her contact number is XXXX. She advised me that she needed to contact a different department within the bank and could not guarantee that she could get the freeze hold removed from my account. I explained to her that this is an urgent matter and that the card is the lifeline to the business, I believe that Wells Fargo Bank will continue this deplorable, discriminatory conduct without your intervention.
i received a call on XXXX/XXXX/XXXX from a guy by the name of XXXX XXXX stating he was from Nationwide Intermediary Services. he was looking for my ex wife. I told him I did n't have any way of contacting her, he stated she took a loan out on XXXX of XXXX said my name and SS # was also on it and that I was responsible for the debt. I told him that I knew nothing about this and I was not responsible for this debt. XXXX states that I was responsible for it since my name was on it. I once more told him I did n't sign for any loan and I would n't be held responsible for something I did n't do. then he goes to telling me it was in the amount of {$3900.00}, and that with all the charges on it ended up being {$6200.00}. but if I paid it on that day or before XXXX XXXX it would not go against my credit score. then he said I could give him a credit card number are he preferred a debit card that I could pay it off for only {$1500.00} by that afternoon. I told him this is a SCAM! he states no its not they will garnish your wages and revoke your drivers license if this is n't paid. I told him send me an email let me look at it. he then sends me an email and called me back again asking if I was ready to send the payment? I told him I would send a money order or a cashiers check to him.. he states o we cant accept that only credit card or preferred debit card. I pretty much told him to XXXX off. after checking with XXXX of NY they stating this is a scam. also read online other have also been scammed by these people. the number used to call me was ( XXXX ) XXXX
I am writing to complain about excessive overdraft fees on my TD BANK checking account. 

NOTE : I am intentionally enrolled in the TD Bank Debit Card Advance program which allows me to overdraw my account for a {$35.00} overdraft fee. Although I think this is excessive, I accept this in exchange for the ability to overdraw my account occasionally. 

What I DO NOT accept is incurring multiple fees due to the methods banks use to process and post my transactions. 

For example, on Friday XX/XX/2017 I intentionally withdrew {$100.00} cash from an ATM expecting a {$35.00} fee. That was the last time I used my debit card. When I checked my balance today, it showed an additional {$140.00} fee due to transactions the bank says occurred on Monday XX/XX/<YYYY> They explained this is due to processing delays. 

They credited my account for {$35.00} as a courtesy and said they could provide no more credits due to an annual limit on fee credits. 

I firmly believe banks are taking advantage of delays in processing as a way to charge excessive fees. From my POV, I watched my balance and made charges which were approved by the bank because the funds were available. The bank immediately lowered my Available Balance after I made these charges. This works correctly. 

I then needed some extra cash so I decided to overdraw my account by withdrawing {$100.00} from an ATM knowing I would receive a {$35.00} fee. This part does not work correctly. 

The bank says ( XXXX ) transactions which I physically made before I ioverdrew my account on Friday XX/XX/2017 actually cleared my account on Monday XX/XX/2017 and therefore are subject to {$35.00} fee each. XXXX of these transactions were less than {$35.00}! 

The customer service rep said I can turn this service off implying I am in control and it 's my fault for using the service. This is not the issue. I like the flexibility this service provides. My complaint regards the way banks abuse this feature to charge excessive fees and turn XXXX overdraft fee into XXXX claiming they can not control the way they process charges. 

I believe they can if they were required to. If banks are able to adjust my Available Balance immediately, they can also use this data to determine overdraft fees.
In XX/XX/2018 I received a bill from XXXX XXXX XXXX for {$15.00} I immediately contacted the company explained that that amount was billed in error they agreed and closed their file and I mine. date of service XX/XX/18. 

With a letter dated XX/XX/18 from C.tech Collections Inc. XXXX XXXX XXXX, XXXX. XXXX, NY XXXX the collection company was communicating that XXXX XXXX XXXX XXXX had referred my account to their office for collection and that, unless disputed within 30 days, they would have assumed the debt as valid. Letter signed by XXXX XXXX VP Operations ( XXXX ) XXXX Payment ID # XXXX XXXX XXXX I immediately contacted XXXX at the collection company, very upset, informed them that there was no such amount due and immediately without asking further questions she stated to consider the matter closed and dont take further action. 

The above raised some suspicions, so I contacted the service provider, XXXX XXXX XXXX, who appeared to be astonished about the news as they stated never having referred such debt to this particular collection company. 

I am very much concerned about the unfair, deceptive action and practice from this particular collection company and I am wondering how many more consumers they have unfairly billed. Company such as these pose a dangerous threat to the community and need to investigated for possible UDAAP violations. 

On my part I would expect a letter of apology because they have insulted my intelligence and my integrity. Particularly for {$15.00} seem so pitiable action on their part. 

Thanks
i got a call from a collection company regarding a unpaid bill from XXXX XXXX XXXX back from 2014. I did n't receive any bill or notification from any source before this call from collection. And i check my insurance activity for the past 2 years, all the claims from XXXX XXXX has XXXX balance ( I can provide the claim history, and XXXX XXXX does know my insurance info as they filed to my insurance many times ).
I have my mortgage through Citizen 's one home loans. I also have an escrow account with Citizen 's Home Loans for the purposes of pre-paying taxes and insurance premiums. I understand this to be standard practice for those who wish to participate in such a setup to avoid late payments. I would like to handle payments of taxes and insurance premiums on my own and have requested to close the escrow account. Citizens One bank responded to say they would only close the account if I pay an escrow waiver fee of .25 % of the outstanding principal amount of the loan. This waiver fee is not in the closing disclosure and no one from the bank ever made mentioned of it.

Citizens bank has not provided sufficient documentation on escrow waiver fees. In the attached loan disclosure, the escrow waiver fee is left off as blank. It clearly states the following : " In the future, your property costs may change and, as a result, your escrow payment may change. You may be able to cancel your escrow account, but if you do, you must pay your property costs directly. If you fail to pay your property taxes, your state or local government may ( 1 ) Impose fines and penalties or ( 2 ) place a tax lien on this property. If you fail to pay any of your property costs, your lender may ( 1 ) add the amounts to your loan balance, ( 2 ) add an escrow account to your loan, or ( 3 ) require you to pay for the property insurance that the lender buys on your behalf, which likely would cost more and provide fewer benefits than what you could buy on your own. '' I have reviewed the entire loan disclosure and do not see ANY mentions of an escrow wavier fee that would apply if I were to chose to close the escrow account. As a consumer, I feel cheated and taken advantage of. The escrow account was " conveniently '' opened on my behalf because I originally thought it was a free service provided by the bank so that I would not have to worry about paying extra bills. However, I am now discovering that I am being held hostage to to this " convenience. '' This practice by Citizen 's bank is unethical and is definitely not the right thing to do. If there was a fee to cancellation of this service, then it should have been disclosed in the closing documents.
There was an unauthorized hard inquiry made by XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX.

There was also an unauthorized soft inquiry made by XXXX XXXX XXXX XXXX on XX/XX/XXXX
I am filing this complaint because Equifax has ignored my request to remove the listed UNAUTHORIZED inquires from my credit report. I have contacted every creditor and they have reassured me that these inquiries should be removed immediately as they were submitted without my permission, yet the Credit Reporting Agency continues to list inaccurate, misleading and unverifiable information. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
This complaint is an addendum to a complaint filed earlier against Wells Fargo Bank The file no.is XXXX. This correspondence should be forward to XXXX XXXX XXXX, Department Manager of Research and Correspondence who answered the previous complaint. I followed up with his suggestion regarding my claim. That phone number referred me back to their Fraud Liability Div. where I was given another customer service Rep. XXXX times I called and their has been no response. The name XXXX XXXX,! -XXXX.Once again Wells Fargo stalled and did n't follow-up on their correspondence letter. Now the statute of limits is up on the initial charge of their negligence. I, now willpursue action against Wells Fargo under California code 530.8.The trial of documents will be presented in court to a judge force them to clear my name .Wells Fargo has n't made any attempt to help me. The fine is {$100.00} a day. The Initial investigation goes back to XXXX XXXX. I intend to name, you, XXXX XXXX XXXX in a separate small claims lawsuit at {$100.00} a day. The law passed in XX/XX/XXXX and is specific about Wells Fargo 's obligation. In addition I will forward a whistle blower complaint to the Attorney Generals office of the state of California and the US attorney 's office in XXXX XXXX, California. I will ask them to investigate how an account opened in my name disappeared from your system.Could their be other accounts opened. Did anyone internally delete this fraudulent account.? The state of California losses might be greater than just mine. Did your bank investigate? My records of the account existence will be Social Security records, XXXX, the IRS and the district attorney 's of XXXX XXXX, California. Let 's fine out who the judge believes or better yet let there be a jury to decide the amount of damages. XXXX XXXX dollars a day. Can you afford to pay your own lawyer fees, XXXX XXXX XXXX XXXX.
I pulled my credit reports from all 3 bureaus in XX/XX/. I noticed on one of my reports that there is a collection from Transworld Systems. I do not know what this debt is for or pertaining to and do not believe it is mine. I sent them a debt validation letter requesting documentation proving that this debt is mine on XX/XX/ via certified mail. I have not received any communication from them. I have disputed it with the credit bureau but it is still actively being reported.
i have had my mortgage for 7 years the last few months have be tough and i have had to use my grace period to make the payments. 21st mortgage corp will start calling and email both myself and the other person on the mortgage within the first day or so of entering the grace period. although we have spoken and responded to emails many many times that continue to call and email both of us an average of 4 times a day monday through friday. i have never missed a payment in 7 years and yet that call and email threatening to foreclose on us simply because we are in the grace period of our loan. all threats of foreclosure are made verbally. they will not send documentation. we have asked on several occasions that 21st mortgage corp stop harassing us as we always pay our mortgage and since then they now have 3 different people calling us on a daily basis. in addition to their constant phone calls and emails my father passed away last month and i had to travel out of state to handle his affairs. 21st mortgage corp showed no empathy toward my loss and simply told me they couldnt and wouldnt help work with me on the payment.
I need assistance with XXXX XXXX. I lost my phone and need it on my new phone to access my account or to send more than XXXX bitcoin. I can not even change security settings to help myself because of this. Their admin could help me in 60 seconds. I have been waiting a week. Their online XXXX @ coinbasesupport serves as a support contact and they literally skip over me and help new requests. I have a significant portion of my life savings on this platform. I 'm floored as to the lack of support. My initial support ticket was submitted 1 week ago and I have not heard a peep from support. I have access to see from one device but I can not change settings due to losing my phone. This access expires every 30 days which I anticipate will be shortly. I need access to my funds! I 'm verified! <P/>Also note the platform coinbase had a crash with the very coin I have a lot of investment in and it lost 99 % of the value periodically. I could not do a thing due to the lack of access from every device around me that night. I need a human to answer my ticket and fix my XXXX authentication so I can access my money immediately. I can provide any documentation necessary. Case # XXXX XXXX
I have a Paypal business debit card so that my friends who I do work for can send me money for work I've done for them and I can have immediate access to those funds without waiting for them to transfer to my bank account. 

I've used the card for about a year without incident. However, apparently I didn't realize that a charge had gone through and it overdrafted my paypal account by around {$75.00}. 

I was never notified about it. Never told my balance was less than XXXX. Had I been I would have tried to rectify it before today. 

Unfortunately, I am unable to work much right now as I have a XXXX illness that makes it hard to keep dependable hours. 

But I was able to do some user testing for XXXX the other day and got some XXXX gift cards in return. 

I need cash more than XXXX funds right now so I sold the gift card to a friend and asked her to pay me via paypal. 

I needed this money to pay for gas and food. I am sleeping in a friend 's couch currently and need desperately to be able to drive for XXXX and XXXX this weekend to make some money. 

But I can't now because Paypal took the money I had apparently owed them ( that again they never notified me about ). 

As a result I am in an extremely precarious financial situation. I don't know how I am going to eat or pay for anything going forward. I feel like I am dead in the water. 

I am terrified. I spent 45 minutes on the phone trying to get this resolved with Paypal today and they refuse to help me. 

I am attaching a screenshot of the transactions that were only reflected in my balance after my friend sent me money. Before that my balance showed XXXX. 

Paypal has violated not only fair debt collection regulations but also banking regulations governing overdrafts. 

Please help. Thank you.
In XXXX I paid XXXX XXXX to XXXX Mortgage to reinstate the mortgage on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Subsequently I refinanced with XXXX closing, XXXX/XXXX/XXXX in the amount of XXXX XXXX, loan # XXXX. On XXXX/XXXX/XXXX, XXXX became the investor and XXXX XXXX XXXX XXXX the servicer. Payments were made until XXXX/XXXX/XXXX through the servicer. 
In XXXX I was notified by the V A of a serious medical issue and instructed to report to the VA XXXX XXXX XXXX XXXX in XXXX XXXX Tennessee. On XXXX/XXXX/XXXX I reported as instructed and remained until XXXX/XXXX/XXXX. Due to the medical issues XXXX XXXX XXXX and my temporary inability to pay, the servicer began foreclosure proceedings XXXX which was fraudulent due to the use of an invalid assignment to base proceedings on. 
The assignment was executed on XXXX/XXXX/XXXX, assignor XXXX XXXX XXXX XXXX the recording date XXXX/XXXX/XXXX and the alleged assigner was XXXX XXXX, assistant secretary of XXXX, who is the nominee of the deed of trust and not the note thereby overstepping any authority XXXX XXXX may have assuming that XXXX XXXX is a real person. 
XXXX XXXX XXXX 's signature is highly suspicious and was notarized by XXXX XXXX. XXXX XXXX appears to be a robo signer. Recording number for the Assignment : Instrument # XXXX Bk XXXX pg XXXX in the XXXX XXXX North Carolina Register of Deeds. 
Notice : the assignment is in conflict with XXXX loan look up program which shows that XXXX owns the loan with an acquisition date of XXXX/XXXX/XXXX. The PSA show XXXX XXXX XXXX as a subservicer for XXXX and XXXX XXXX claims to be the assigner for XXXX however if XXXX is the Note owner of record then what is it that XXXX XXXX the alleged robo signer is assigning and with what standing? 
The assignment by XXXX XXXX is a pretense to obscure other interested parties in the transaction chain. 
The assignment does not correspond with the endorsement on the note. 
The note has been separated from the deed of trust which appears to be contrary to XXXX v XXXX and the note appears to have been securitized. 
I have been through the clerk 's hearing where the clerk allowed the servicer to bring a foreclosure action with no standing in law. I appealed to the court of appeals of North Carolina and the court decided that I had been relieved of my rights of due process. I went back to Superior Court in XXXX XXXX where the Judge disregarded the opinion of the Court of Appeals and still I have not been allowed to the rights of discovery. 
I filed yesterday XXXX/XXXX/XXXX in Superior Court as objection to the order to foreclose. 
The firm representing the XXXX XXXX XXXX XXXX, XXXX out of XXXX, XXXX is also the owner of the firm that provided the Substitute Trustee. 
There are XXXX loan numbers on the property and they are as follows ; XXXX ; XXXX XXXX XXXX XXXX ; XXXX Seterus , Inc . XXXX I have documented every interaction with the courts and the plaintiff. If you will let me know which documents would be helpful I can forward them to you.
Our loan got transferred to Specialized Loan Servicing LLC and we are making our monthly payments consisting of principal, interest and escrow. The escrow balance was forwarded from previous lender but starting XXXX last year our required flood insurance was not paid by SLS even we send a fax asking for payment. And that was at the height of the hurricane season with the house in hurricane capital XXXX Florida. Fearing the lapse of coverage we paid the insurance premium directly and asked SLS to reimburse us out of the escrow balance. All these faxes remained unanswered. Now we received a letter from our homeowners insurance that the premium has not been paid by the lender leaving our primary residence uninsured. Seeing this pattern from SLS we checked to see if our property taxes which where due XXXX 2015 where paid to find out these have not been paid either. We requested a payment history and found on the history that payments where moved around to various accounts within SLS but never applied as intended. The payment history is so distorded by transferring monies around that it makes me very worried about the correctness. Over {$8000.00} of principal balance which was paid by us for insurance and taxes where applied to future interest and principal payments and even booked as suspended balances. Phone calls to clarify the account lasted hours at a time being on hold and transferred and disconnected without even talking to a person in charge. This ca n't be that a lender misuses funds entrusted to them to pay the homeowners liability as per loan agreement. This is borderline fraud.
XXXX is attempting to collect a debt that incorrect, wrong info and lied to credit bureau.. on report it says acct opened XX/XX/2016 they show negative payment history from that date. when i call them and capital that info is incorrect. they give me totally different info then what they reported I asked them why are they reporting incorrect info on my report they said ask capital one but capital one is not the ones reporting it they are. what they are doing is illegal and I want this removed.
I was denied credit due to low Equifax score. I went on line XXXX times to get my report to print out - every time it says it can not do an online report at this time. To call the toll free number. Every XXXX time I call that I get put into a circle of fraud questions as it is an automated line. Can never order my report. They are avoiding giving the free reports.