WillisBack/dataset-financial-user-claim huggingface dataset:
We applied with Keep Your Home California ( KYHC ) hardest hit fund for assistance with foreclosure. We were approved on XXXX XXXX, 2016 for the Mortgage Reinstatement Program to bring us current on our payments. Wells Fargo received the funds from ( KYHC ) on XXXX XXXX, 2016. They mailed us a statement to make our XXXX payment. On the statement it gives different payment options. By phone is XXXX option that we tried and their system would n't allow it. Taking the payment to any local branch is another option that we tried on Wednesday XXXX/XXXX/16 and it was blocked from making a payment. The branch manager called them on the phone and was given the run around. They finally put a rep on the line to speak to me. She stated that the hold on the account would be removed on Friday XXXX/XXXX/16 to make my payment by phone or come into the branch to make my payment. I came back on Friday and again could not make my payment. The manager assisted me again and placed a call to them. It was a long wait before they got somebody to speak to me. a representative got on the line and referred me to the Trustee, which is the foreclosing agency that has an upcoming scheduled sale date on my property. I informed the Wells Fargo rep that I spoke to them on Wednesday and they told me that they get their instructions from Wells Fargo. I asked her to put a supervisor on and after a very long wait, someone got on the line who said she will look into it and give me a call. We want to be able to make our payments moving forward and keep our home.
Since I changed my phone number, I have recieved non-stop calls from " Honda Financial Services, '' despite repeated, repeated ( no less than 6 times ) attempts to tell them that I am not the person that owned the debt. After trying to communicate to them multiple times that they have the wrong number, I attempted to discourage their calls by ignoring them, hoping that they might think this number is defunct. I have 38 calls from them in the last month and a half. Please get them to stop.
Wells Fargo has refused to accept a payment for my Wells Fargo credit cards account from me because their website indicates that i have exceeded the number of times in a month i can make a payment from a non Wells Fargo depository account. 

Neither the account terms and conditions provided when i opened the account, nor the periodic billing statement, indicates any restriction on the number of times a customer is permitted to make an electronic payment from a non Wells Fargo depository account. 

I find this practice to be deceptive and seems to be a means to compel customers to open Wells Fargo depository accounts. 

I have attached a screen shot of the message that appeared in Wells Fargo online banking that prohibited me from making a payment and a copy of a recent account statement that does not disclose any restrictions on making payments.
Since I registered my last complaint that is being acted upon I have discovered that my loan has apparently been sold to another company. As XXXX are still investigating my complaint I am at a loss as to what I am supposed to do next as I at first thought this was a scam. The new company have made no attempt to contact me via my contact address that should have been passed to them by XXXX but is also readily available from the Appraisers office. I still believe I am being forced into foreclosure by these companies. I have not signed loan paperwork with either company and was completely unaware of this second company until last week. Please assist me to resolve the matter. 

CFPB Case XXXX Company review In progress XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX
Hello! My name is XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. I have a problem with Citibank Sears Credit Card. They offered me a Zero percent interest balance transfer with a fee that I agreed for the transfer. When I received my statement of account, they started charging me with 3.99 percent APR. When I called the company, they told me that when I encashed their check, it was a 3.99percent APR. I told them based on my coversation with their agent over the phone he offered me he offered me 0 percent APR. They told me 3.99 percent was for longer payment period and and 0 percent was for a shorter period. Since this communication was not clarified with me by the agent, I was requesting the APR of 0 percent with shorter payment period. When I called and talked to the manager, he said he can not change it. It was the fault of the agent for not clarifying with me the transaction.
I opened an account with PenFed Credit Union back in XX/XX/XXXX. I credited the account with a XXXX dollars and never used that account again until today. So since there were no mouvements, they closed the account and sent the money to the previous address I used to live. I was not aware the account was closed. They never called or sent me an email. When I called on XX/XX/XXXX at XXXX, XXXX from PENFED told me they sent the check of {$100.00} to my previous address and I wo n't be reimbursed for that amount.
I was previoulsy informed by the Department of Homeland Security that my information was invovled in the security breech and that my information needed to be monitored. In late XXXX early XXXX my checking account was compromised and my payment that was sent to Worl Finance was returned. I contacted World Finance and explaned to them the situation and they agreed to allow me to bring my account payments current on or before XXXX XXXX. I set a payment to be payed from my new account on XXXX/XXXX/2015 which was recieved by World Finance. I received a phone call from them stating that they are refusing my payment because I had a report XXXX return payments. When I inquired about return payments he stated that my most recent payment was returned and a payment that was on a previous loan was returned as well. I informed him that I called about the previous payment and the conflict with my old checkking account being frozen due to the information breech which he confirmed was in the notes. He then stated that its a sign in the store that states when loan payments are returned XXXX or more times they are no longer going to accept payments from me. I then argues that my contract does not specify any of this and that I was unaware of any signs in the store. He the stated that he was returning my payment and that no other oayments sent to them form my bank will be accepted. I asked to speak to a manager but was told he would call me on Friday XXXX/XXXX/2015. On XXXX/XXXX/2015 the manager never called. I the contacted World Finance and I was spoken to harshly by a young woman on the phone. When I tried to explain my problem she stated that the polucy which I was calling about was a corporate policy and was not lsited in the contract. She then stated that the manage would then contact me on XXXX/XXXX/2015. As of XXXX/XXXX/2015 no one has contacted me and I have called several times to the store but now XXXX will take my call. XXXX payment made on XXXX/XXXX/2015 has been sent back to me. In addtion I would like to mention that I have had several loans with this company and have had an excellent lending history with them.
Navy Federal Credit Union is reporting a credit card collection account on my XXXX credit report that does not belong to me. For a brief time, I had been added to this credit card as an authorized user back in 2010, but the authorized user status was taken off over 6 years ago. I have disputed this account at XXXX several times, but Navy FCU refuses to take it off of my credit report.
I applied for car title loan in XX/XX/XXXX, recently my car broke down and could afford to repair it and pay my monthly care payment I had previously paid it off in XXXX also paid off XXXX other title loans at this same location faithfully and on time. My car broke down XX/XX/XXXX my payments were due by XXXX of every month I explained I could not afford the care payments no more and would like to do a volunteer repo to what they told me is would be towed and auction off and what ever balance I had I wold make payments after they sold the vehicle since they refused to pick up the car by XXXX they extended my payout date till XX/XX/XXXX again I ask them to repo it without getting further late fees the refused the car was sitting there for a month I called pls on XX/XX/XXXX XXXX they told me they gp pick it up on XX/XX/XXXX they had me take the bus to where the car was so the manger can see it I told him it was n't working he said they will come pick it up tonight and repo will collect the keys no one came out On XX/XX/XXXX at XX/XX/XXXX I called the car still there I ask if they can please come pick it up no one return my call I am disable and pushing my self to keep going out there and seeing if the car was there the city might have taken it for abandment I repeatedly told them the care still there if they can pick it up I called pls on XX/XX/XXXX at XX/XX/XXXX told them please can they pick up the vehicle the city might tow it away then XX/XX/XXXX I finally did n't see the car they picked up the vehicle I longer saw the car I ask what the status was they never got back to me I called ON XX/XX/XXXX at XXXX I ask what 's the status on the car no ones called to pick up the keys and no letter confirming of it being towed or auctioned they told me a manger will be calling me back no ones called me back or voice message it going on for 3 almost three months since their pro longer this process and very stressful I just came out of the hospital on XX/XX/XXXX I tried to get of hold of them about the status and what my balance is or give me back my title and make payments
On XX/XX/2017 we received a end of lease statement stating remaining balance of XXXX. The statement says we owe XXXX for unsatisfied contract obligation plus tax of XXXX. Excessive wear and use XXXX plus tax of XXXX. Disposition fee of XXXX plus tax of XXXX. I called Nissan Motor Acceptance and asked them to explain the statement. XXXX explained and was very nice.I agreed to pay the unsatisfied contract obligation total of XXXX and the disposition fee total of XXXXThat totaled XXXX. I told her I would not be paying for the Excess wear and use total of XXXX cause there was no broken bumper when we dropped it off. When we dropped it off I asked for Inspection and was told that would n't be a problem everything looked great. We also took upon ourselves to check it over and was like brand new. We even got the car cleaned inside and out just cause we thought that would be the right thing to do.When I told XXXX I was n't going to pay it she said she would lower the price to XXXX. I that I would pay the for everything else except the wear cause we both knew they were trying to scam us. I received a follow up statement on the XX/XX/XXXX and they lowered the excessive wear to XXXX. I called again and spoke to XXXX and told her that I would n't be paying that part of bill. She said If we do n't pay it they will put in collections. On XX/XX/XXXX I received another statement for XXXX the balance of unpaid. I payed for everything else at this point. I then called and asked for a Vehicle condition report and proof of broken bumper that was never broken nor never was by us.I received one on XX/XX/2017. I stated that the car had scratched paint, cracked windshield, dents, chips etc etc.No bumper was listed at all. It then stated we turned in a XXXX XXXX XXXX XXXX, but we leased a XXXX XXXX XXXX car? We called again and they claimed the inspected the car on XX/XX/XXXX which would be 2 weeks after we returned the car onXX/XX/XXXX? It also had the amount of XXXX we owed for the bumper that was n't broken. Like I said I payed everything that was owed to them but now the put me in collections for XXXX and wasted my valuable time let alone endless headaches. I have exceptional credit and do n't need it to be bruised by any false information because of a company that messed up in so many ways. Please let me know what further action should i take with this
XXXX XXXX from XXXX ..she said she was calling from the Warner Location..called stating they are going to arrest me for a bad check..Not sure what she is talking about but she is harassing me at work and wont stop calling my daughter.
I would like to know why the amount of money going towards the principal of my loan ( ACS Eduacation FFEL ) versus interest on my account is so wildly different month-to-month. In the instance of XXXX 2015, my entire payment of {$170.00} went towards interest, while in XXXX 2015 it was only {$67.00} of that same amount. Obviously this fluctuation is of concern, as no money went towards my principal in that month. These payments were all made on time, so I am curious why this variance is in play -- as my loans from other lenders have very little variance in the ratio of principle to interest month-to-month.
XXXX  OPENED AN ACCT IN   XX/XX/XXXX .  THIS ACCT WAS WAS OPENED FRAUDULENTLY WITHOUT PERMISSION OF MY INFORMATION. IT IS A CASE OF IDENTITY THEFT. THERE IS NOW A BALANCE SENT TO COLLECTION THAT IS HURTING MY CREDIT REPORT AND SCORE. I AM CURRENTLY TRYING TO FINALIZE A HOME LOAN AND AM UNABLE TO DO SO.     I CONTACTED ATT   XX/XX/XXXX  A ND REVEALED THAT THIS ACCT IS NOT MINE. I WAS TOLD THAT THERE WAS AN INVESTIGATION ON IT DUE TO FRAUDULENT ACTIVITY. HOWEVER IT WAS CLOSED. I ASKED FOR IT TO BE REOPENED AND INVESTIGATED TO HAVE IT REMOVED FROM MY INFORMATION AND PULLED FROM COLLECTION. I WAS TOLD IT WOULD TA KE 5-10 BUS INESS DAYS TO BE RESOLVED.     I FOLLOWED-UP WITH A CALL TO  XXXX  ON   XX/XX/XXXX . T HIS TIME I WAS TOLD THAT IT WOULD TAKE 21 DAYS TO BE RESOLVED. I TRIED EXPLAINING THAT I WAS TOLD DIFFERENTLY THAT IF THERE WAS ANYTHING TO BE DONE TO EXPEDITE IT SINCE IT WAS EFFECTING THE HOME LOAN PROCESS. " NO '' WAS THE ANSWER, UNWILLING TO EVEN BE FORTHCOMING IF ANYTHING COULD BE DONE.       Collection Agency   XXXX   XXXX     XXXX  Original Creditor   XXXX   XXXX   XXXX   XXXX  Opened Date   XX/XX/XXXX   Balance {$3600.00}
I am a victim of ID theft and have sent the proper documentation, police report, etc, however someone within this company is refusing to fix the errors and is causing me financial harm. This has been ongoing for almost a year. I called this company today and they refuse to get me a supervisor. I had to argue with people over getting supervisor. They finally transferred me to the Fraud Department where supervisor XXXX started speaking to me, then she hung up on me.
This company contacted my daughter who said she was a authorized user on my XXXX account which was in collections.I never made her a authorized user.I called them back and explained to them that I could pay {$10.00} a month as now I am on XXXX because of XXXX.At first he said we could work something out.Then he came back and said that my daughter was legally responsible to pay this debt if I did n't pay them {$3000.00} in a lump sum.I told him I did n't authorize her and she and her husband were going to buy a house and if this showed up on her credit report her husband was going to have a fit.He went on to say that maybe she added herself and was doing things behind my back and that she needed to go and ask her husband for {$3000.00} so it would n't go on her report.I said no way since this is my card and she has nothing to do with it.His manager came on the phone and he tried to get my bank account # and for me to agree to pay {$46.00} a month when I had already told them I could only do $ XXXX.When I started asking him if it was true that my daughter was legally responsible he would beat around the bush.When I told him I was going to contact my lawyer and check into the tactics they were using he then said she probably wasn't.The first employee XXXX was telling me this I guess to scare me into asking them for {$3000.00} when they have nothing to do with this at all.She was n't even XXXX when I opened this account.After I came back on the manager and told him I was going to check into all the lies they were telling me he said I could just mail in $ XXXX.I asked the manager how his employee got my daughter 's phone number he said he did n't know.So I said ask your employee he called her and again he started beating around the bush.How can they harass my daughter over a debt that she had nothing to do with? Can they report to her credit when one of them said she was a authorized user and the other said he did n't know why her name was on there but it was there? Please help.
I am a former XXXX customer. I am just trying to get this false report off of my credit. According to this fraud of a collections agency, Receivables Performance Management, XXXX sent my mobile account into collections in XXXX. However, I received bills from XXXX, including continuing charges up until XXXX. My final bill was due at the end of XXXX. I was on a payment arrangement with XXXX and the account was paid in full in XXXX ( including several payments before the payoff date ). I have several recent audio recordings of XXXX finance confirming that they never sent the mobile account to Receivables Performance Management and that the account has been paid in full and closed. I never dealt with this collection agency ; all payments were made to XXXX. XXXX will not remove negative report unless XXXX sends a letter confirming what they told me. Spent hours on the phone and XXXX will not send any letters condemning this fraud on my report. I want XXXX and Receivables Performance Management to take responsibility in getting this negative report removed.
I upgraded to a XXXX Spirit Airline Credit Card back in XXXX. 
I have used the card exclusively to obtain air miles. I went to use those miles XXXX recently only to find out that the miles expired because I was n't using the card. I explained to both Bank of America and to Spirit Airlines that I have charges an average of XXXX to XXXX a month ( I can provide statement print outs for the last 12 months of charges in excess of XXXX each month ) - ( I can provide the last Spirit Airline statement ). 
Hours on the phone waiting, waiting and waiting ... prompts and then folks who can not really help. 
Are these Cards Scams? Should I really be using these types of cards?
Today, XX/XX/2018, I went online and was asked to update my personal information. For the first time, Bank of America is now asking a new " required '' question, " Do you have dual citizenship? '' I have told them that I am a US citizen and that I am living here in the United States. I see no reason to answer this question and am offended that they are even asking it. When I called to ask them what was the legal basis of why they were asking this question, they responded that they had to verify my identity, my citizenship and my residency per US government regulations. I told them that I have provided them with all of that information and that it was none of their business whether I am a dual citizen because I am a natural-born US citizen who was born and raised in the United States and that I hold a US passport and currently reside in the United States. As I explained repeatedly to the customer service representative, whether I am a dual citizen should have absolutely no bearing on them providing me financial services because I am a US citizen. I also told them that I was going to refuse to confirm or deny whether I have dual citizenship and that it is possible that I may not even know one way or the other because citizenship is determined by each country  individually. I find it highly offensive and potentially in violation of the 1964 Civil Rights Act that they are even asking me this question. They have informed me that I can currently ignore the request but that if I do not answer it, eventually my access to online banking could be cut off. As it turns out, I am unable to update any of the other pieces of information because they consider the dual citizenship question to be " required ''
I have two car loans with Credit Acceptance. One loan has been opened since XX/XX/XXXX and the other since XX/XX/XXXX. I have always paid my car loans either on time or EARLY. I had just moved and started a new job so I am a total of 3 days late on my current payment. In two days, I have received over 11 calls from credit acceptance telling me to call them regarding my loan. I answered this morning and the man I spoke to was demanding a payment today when I told him I just started a new job and my payment wouldnt be until next Saturday he continued asking me my pay schedule. I expressed my upset with the man due to the amount of calls Ive been receiving as Im trying to work and my phone keeps going off at work and I keep getting in trouble. The man then THREATENED to send me to collections for a payment that is 3 DAYS LATE and stated that the next day after a payment is late it gets sent to collections! I am beyond livid and extremely upset with the fact that they can treat their customers this way! This will be reported to the XXXX as well as a horrible review left on XXXX! This is TERRIBLE customer service!
I have a credit card that is open with you all. While I initially thought you all were a good fit, yall have been nothing more than a headache for me and my family. First when making my second payment, discover had it marked on their site that I wanted the full payment made. This put me in a tight spot and roo all of my funds out of my account and sent me into overdraft. I was livid and called and spoke to 2 supervisors, none of them helpful at all in fact they told me maybe qe could go qithout groceries or not leave the house so we were not using gas. I had just found out I was pregnant and lost my job all in the same day. I was really reassured I would have better service seeing my husband has had great experiences. Unfortunately, I had to call my bank and cancel the payment, which made it seem like I was late. I called Monday and made my payment but they persisted I pay XXXX. I said no, finally the rep said we will help you with this and dont worry. So the next month it still shows I have a late fee then this month I got an email saying I was late again. After speaking to a rep at the end of XX/XX/XXXX who again assured me no your payment will only be the XXXX and change payment. But no, I got a passed due bill last night. You guys are fraud and phoneys!! Im taking this to XXXX as well as my local TV station and will blast yall anywhere else. No-one gets back
I have been financing a vehicle through Consumer Portfolio Services now since around XX/XX/XXXX. Around XX/XX/XXXX I encountered a situation with this company where they unauthorized took two payments from my bank account, when I only authorized one. They refunded one of those transactions however since that time they have been reporting that I owe for a payment that I do not owe and have not rectified this situation. I have been going back and forth with Consumer Portfolio Services trying to rectify this situation for months now, they have not updated or corrected their records. In addition to that even though I have been paying on this vehicle since XX/XX/XXXX they still say I owe approximately {$10000.00} on this vehicle. I believe their records to be incorrect and am requesting assistance in addressing this situation with this company.
During the summer of XXXX and in early XXXX, Transunion experienced a system glitch that removed all inquiries from my credit report.TransUnion later added them all back onto my credit report without providing me with the legally-required written notice 5 days prior to them re-adding them. I contacted TransUnion, in good faith, asking them to delete the inquiries that they had illegally re-added.My first attempt result in being told that my account was not affected ; however, ALL accounts were affected. My second attempt resulting in me being able to revolve this matter by ( 1 ) contacting the creditors that requested my file and having them to remove the inquiries or ( 2 ) filing a police report.