WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is regarding International money transfer by PNC Bank, XXXX XXXX XXXX, XXXX, PA XXXX. 
I am permanent resident in XXXX. I support my family who lives in XXXX. 
I have tried to send wire transfer to my mother and my niece and multiple ones of them were unsuccessful, resulting in increased financial burden for me, taking time off work to perform these transfers and having to go to the bank to check on transfers, they would not perform it over the phone, I need to go there and present my government issued ID. 
The first wire was send on XXXX XXXX, 2015 for {$9000.00}. It went through without a problem. 

The second wire was send on XXXX XXXX, 2015 for {$17000.00}. This wire did not go through. I went to the XXXX Branch and had discussion with the person sending the wire. Who would not give me any answer, I was told it was bank policy not to tell me about it. I was given no recourse. 

The third try at wiring the money happened from XXXX branch on XXXX XXXX, 2015, where I was told that the amount I was trying to send before is above the limit of {$10000.00}. So it has to be broken down into XXXX separate wires. I agreed to send this wire for {$9000.00}. It did not go through. Upon my inquiry, I was told to take my account somewhere else. 

Then I went to the downtown branch in the XXXX XXXX XXXX building. The person there told me that the previous XXXX wires did not go through because, the wire operator in the wire room entered wrong information. He also told me that I have a valid reason to transfer {$17000.00}, no reason to pay double the fee, it can be send by a single wire. He send the wire and confirmed with the wire operator exact information that was entered. This wire went through. 

Another wire was send on XXXX XXXX, 2015. This was for {$8000.00}. The wire was not received by the intended recipient. I went to the bank and inquired about it on XX/XX/2015. A phone call was placed by XXXX XXXX to the wire room, she was informed that there are multiple wires about which he is getting complaints, i think he said it was XXXX XXXX. I was told by the branch manager XXXX XXXX that she will pass it on but there is nothing else she can do to help me. 

Attached are all the copies and receipts. 
Thank you, XXXX XXXX XXXX. 
Phone # ( XXXX ) XXXX XXXX XXXX XXXX, PA XXXX
My complaint is two fold. The fee I was erroneously charged and the magnitude of difficulty involved to reach a customer service rep to remedy the wrongly assessed fee. I was charged a {$1.00} fee. I have two transactions on this card. One is a ongoing balance transfer on 0 % APR through XX/XX/2019. The other was a regular purchase done on XX/XX/XXXX on my current stmt due XX/XX/XXXX. After having difficulty with the automated system to reach a cust svc rep, the system gave me two choices. Get called back in 2 hours or hold for 2 hours. I opted to hold. I held the line for 3 hours until I finally got a rep oh the line, who proceeded to give me false info for why the fee wascorrect. It's only because I am knowledgeable about the methods for how interest and fees are assessed and how to avoid them that I was able to cut through the obvious lies I was being told to substantiate the fee. The rep finally admitted I was correct that I shouldn't have been charged the {$1.00} fee. He then said what would you like me to do. I told him, his name was XXXX ... credit back the fee to my account. He did and seemed annoyed that he'd have to do this. This entire process underscores a seemingly deceptive practice by BOA, Bank of America, to wrongly charge a fee low enough that most consumers wont bother to spend the time to follow up on it, and then another deceptive practice to make discussing it with a rep so difficult and time consuming, they give up and then for those like myself who ride out the 3 hour hold time, another deceptive practice of training their reps to give knowingly false info to justify the fee. The rep absolutely lied to me three times, giving me false information to tell me why the fee was correct. I am confident most consumers lack the knowledge needed to be able to tell the rep why what they're being told is wrong or not applicable in theirsituation. While the fee incorrectly charged was nominal, if the deceptive practices I described are done en mass, this becomes a mass scale fraudulent practice to collect revenues not due to BOA. It is beyond unacceptable to have to hold for 3 hours to get a customer service rep on the phone. Its some to get the consumer to give up and let BOA just keep the {$1.00}. I was further aggrieved to be lied to over it.
I have been working since XX/XX/XXXX for XXXX XXXX XXXX. My.credit report states that.I Have not worked since XX/XX/XXXX.
On  XXXX   XXXX ,    2017  I traded my car which was financed through westlak e Financial  services and paid off by  XXXX   XXXX   XXXX . The salesman contacted  Westlake  to retrieve the payoff letter. After doing so the trade took place and I left the dealership.  XXXX   XXXX   XXXX  2017 I checked my credit report and noticed that Westlake reported that my account was still open and was delinquent. I still have proof of the payoff letters and copies of the pay off from the dealership. I asked them to remove the negative/ inaccurate reporting, However they refused an d one of the  reps stated that my credit would constantly take a hit if I refused to pay more than the payoff stated was owed.
They violated the law when I asked to view my note. They told me to come to XXXX XXXX XXXX Utah when they are required to allow me local Viewing. Also XXXX agreed to postpone the auction although it went forward. Illegal foreclosure
For years I made payments on my student loans through XXXX. Then one day I got a phone call from a XXXX XXXX, a customer service representative for XXXX XXXX. He started to give me a sales pitch on a public service loan forgiveness program for people who work in the public sector. He explained that I would have to reapply every year and there would be a {$100.00} fee to do that and then there would also be a monthly {$19.00} fee involved as well. I found this a little strange and immediately felt uneasy. He also said the requirements of the program were to make 120 timely payments and the remainder of my loan balance would be discharged. This interested me as my loan total is approximately {$75000.00}. So, I decided to go forward with getting signed up for this new program and having my loans transferred from XXXX to XXXX XXXX. I called my bank today, XXXX XXXXXXXX XXXX, to get the date of when I first started making payments on my loans on this new program. The representative gave me a date of XX/XX/XXXX and an amount of {$130.00}. On XX/XX/XXXX that payment was increased to {$240.00}. So, in essence, I have been making monthly, timely payments on this new PSLF program since XX/XX/XXXX, but it feels like my money is going nowhere and my balance has hardly gone down. Something just doesn't feel right. When I recently recertified, I did not provide supporting documentation with my application ( proof of income ), so I got an email saying my payment was going to go up to {$910.00}. I was outraged by this and sent them a copy of my paystub. They responded that they received my supporting documentation, but I STILL keep getting responses saying that balance of {$910.00} is due, but I have continued to make my regularly scheduled payment of {$240.00}. Can someone help me or tell me what is going on?
On-Site Manager c/o XXXX ran a credit inquiry without my consent. I reported it to Equifax and XXXX about the fraud, none of the two companies are willing to do anything nor can they supply proof that my identity was not stolen. XXXX has given up in helping and they are the ones that ran my credit. The address they used for the credit inquiry was also closed, so my information is being misused. I am requesting CFPB to send an inquiry about this. There are also other customers complaining about the same issue with them online, I would like to get some help.
Have XXXX on my credit report there is no XXXX in my area, plus have not had cable for almost 2 years. Was not me. Have been a victim of identity theft in the before, might be related. Person who stole my identity was prosecuted. Please remove from my credit report.
On XX/XX/2018, I requested a forbearance from my loaner Navient across all of my 3 loans with a total of {$150.00}. A week later I was notified on XX/XX/2018  my payment was reversed due to not being able to locate my account. I immediately called first thing XX/XX/XXXX and resubmitted my payment with the same account information. The payment was then credited to my account as expected but the following day on XX/XX/XXXX I received an email regarding my loan not being paid. I called Navient again that morning and was told the amount I paid for forbearance was not applied to my account properly and would need to be read the disclosure again. Following the disclosure I was told the loans were in forbearance. Later on XX/XX/XXXX I recieved another email regarding my loans. I called Navient again and was told my payment was not applied properly a third time. I was read the disclosure and assured my loan was in forbearance. Today XX/XX/XXXX I received another email regarding my loan and when I checked my loan accounts, they are in fact still not in forbearance. I have proof of my payment through bank statements and will call once again tomorrow XX/XX/XXXX. This is outrageous!
I tried to get my free report from the XXXX credit bureau but XXXX failed and only XXXX could get me the score. Besides, XXXX XXXX, the application, failed to get me my score. Also, after having about 7 months of good history and a score of XXXX XXXX and something and without any issue in my history, I got rejected when I tried to apply for a XXXX credit card and XXXX credit card while my friends with 2 months of history and not as good as my score manage to have all of these credit cards easily which left me confused. Please help me finding out what is going on.
XXXX XXXX XXXX XXXX XXXX. Reporting an account by XXXX for {$2000.00} as open. Account has also been removed but re appeared on XX/XX/XXXX. Account has been disputed before by agency and removed in XX/XX/XXXX. XXXX added the amount and reaged without informing consumers. This is against best practices. Letter was sent to XXXX to remove account as it was recorded inaccurately account was then removed by XXXX. Then opened and added on!. Several letters has been sent to XXXX with no responses. 
Then information was removed from credit reporting. The ADDED back as new account in XXXX See attachments
I XXXX XXXX desire to have a full accounting of a vehicle repossession from XXXX, including my balance before the repossession, and the price in which the vehicle was sold again at. Upon that time, I desire to work out a reasonable settlement with XXXX XXXX XXXX. Please respond by email through the Consumer Financial Protection Bureau at XXXXXXXXXXXX.
Once again, I attempted to do an online transfer of {$100.00} from my PNC checking account to my PNC smartcard and once again PNC has removed the funds from my checking account and has failed to put them on the smart card, forcing me to call in YET AGAIN, be placed on hold and transfered to various departments in order to get the funds either returned to my checking account or put on the smartcard. This time, an " escalating customer service rep '' said that they are aware that there is a glitch that sometimes does this, that it is their fault, that they have had numerous calls when it happens, but have no idea how to fix the glitch since it is inconsistent. PNC needs to have severe punitive penalties, from in effect, stealing from its customers and not addressing the issue unless customers are willing to be on hold for over an hour with each incident and get angry. PNC acts are clearly illegal and need to be fined heavily -- my guess is they will figure out the " glitch '' very quickly if they are forced to do so.
They have informed me that they verified the accounts listed below : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX However, they didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me.
World Fin, WORLD FINANCE, WORLD FINANCE CORP. : This company has listed their company on all XXXX credit reports with the same amount multiple times. This debt has been resolved over 8 years ago in my chapter XXXX bankruptcy filing. I have called and complained to the company about removing their information off my credit reports several times and they have dont nothing about this. In fact what they have done is continue to report as if I still have an open line of credit with them as active and paid on time status. This is false. I have no active accounts with them nor I 'm I paying them. This debt was included in my bankruptcy years ago. I would like it if they can be removed it has been over 10 years and they are still reporting inaccurate and false information. This company prays on low class people who need money and they offer predatory lending and high inrest loans. The company has been extremly crafty by listing their company XXXX different ways on my credit filing. They are listed as : WORLD FIN on my XXXX and XXXX dated XX/XX/XXXX showing paid XXXX status as agreed, this is incorrect. This balance has been paid off XX/XX/XXXX. They are listed again as WORLD FINANCE showing paid XXXX as agreed on Experian report dated XX/XX/XXXX this is incorrect this was paid off XX/XX/XXXX included in chapter XXXX. They are listed again on my XXXX report as WORLD FINANCE CORP. showing paid XXXX as agreed. So as you can see they have multiple listings of the same debt listed under the same company name many different ways. Please have them remove this.
I have been a student loan borrower for 10 years now and have been struggling with my payments since I had to leave college for not having enough funds to continue. Since then I have been through XXXX different job positions that have had nothing to do with my college education. I have been in deferment and forbearance multiple times because of my income based hardship. Even last year I was so desperate to bring my huge debt down that I found a loan forgiveness company, XXXX., and paid out {$600.00} and have yet to see any of my loans significantly decrease. I 'm sadden that it has taken this long and I have yet to put a dent in my ever interest growing loan. I have called Navient and XXXX multiple times to figure the situation out and I have only come up with giving up and paying Navient back. 

Currently, I 'm unemployed, not receiving unemployment benefits, and I just had a XXXX leave pay too. How is a person supposed to survive when my student loan payments are as much as my rent? I had to go on welfare just to feed my child. This is n't the life I thought I was going to have when I agreed to borrow money for school. I did n't know I would probably be going to my grave with so much debt. 

So now that you know my story and I 'm sure others, what can you do to help me? What can be done to help my situation of barely surviving in XXXX with a XXXX who needs me more than ever? 

Please do n't just ignore this email. Actually read it through. My story is n't too different from the million borrowers under you. We 're all struggling as a whole and all we wanted was an education to have a better life. Thank you for your time.
An address was updated that is not mine. It is from a scam loan servicing company that I am trying to stop payment for. They promised to give me student Loan relief but I received a letter from federal loan servicing and they have not recieved any payment from them or me. I have stopped these payments through my bank account. And I am in process of trying to get ahold of them to try and get my money back. I have no further dealings with them as I am now paying off my student loan directly through the government website. I would like this information taken off my credit report.
credit limit was lowered from {$4000.00} to {$200.00} without notice and phone call to XXXX XXXX revealed they had done a soft check on my credit and XXXX had reported erroneous negative info, check with XXXX and credit is is good with them so dispute is with XXXX XXXX
Had no issues at all when student loans were serviced by XXXX, XXXX, or XXXX. Starting in XX/XX/XXXX, XXXX started misappropriating my loan payments into the wrong accounts, even though my bank had the proper loan numbers on the payments. ( Account numbers were given to me by XXXX ) They even threatened, by letter, to send me to a collection agency, in addition to the collection department calls from XXXX themselves. They were also charging me late fees and calling my accounts delinquent, when they were the ones who made the mistakes. This happened 5 months out of 6 in XX/XX/XXXX. Every time I called to try to straighten out their mistakes, they blamed me or my bank and were hostile and rude. Now the same thing has started again in XX/XX/XXXX, where they are misappropriating my loan payments again.
Per letter dated XXXX XXXX, 2017 I requested that they Validate this with the Bankruptcy Court and provide me with copies of any documentation associated with this account, bearing my signature. I formally requested that this information be immediately be deleted from my credit file that they maintain under my social security number if they can not provide this information. They have not provided this information or any other information bearing my signature as to the verification of there process. Per the Fair Credit reporting Act Section 611 ( a ) ( 1 ) ( A ) they had 30 days to provide the information which they have failed to do. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ) they are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that they post on anyone 's credit report. I am requesting that this Bankruptcy be DELETED NOW. They have failed to respond in a satisfactory manner within the 30 days of receipt of the certified letter and as a result I will be filling a small claims action against Transunion Credit Reporting Agency. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation : 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
This company,  XXXX , sent me a letter and claimed I have unpaid amount {$380.00} to Sun  Trust Bank . Except I do n't do business wit h Suntrust Bank. I visited Suntrust an d ask them if they have an account under my name, gave them my driver license and the letter from  XXXX . Suntrust search and came back negative, they do n't have me as a customer, they also checked back dated to year   XXXX  , nothing.     I also checked my credit report and verify a possible identify theft, again, nothing. Contacted  XXXX ,  XXXX , gave them the reference #  XXXX . Informed them they have the wrong person which they denied ... I asked how they get my record. They could n't give me an answer.       XXXX   XXXX   XXXX
I pulled up my credit report from all three credit bureaus, XXXX, Equifax and XXXX, and noticed there was a listing of Chapter 7 Bankruptcy filing on XX/XX/XXXX on my report, the furnisher is the U.S. Bankruptcy Court. 

I wrote a letter to the XXXX Federal Court on XX/XX/XXXX requesting they send me the procedure for verifying bankruptcy information with three major credit bureaus, i got a call back from the court stating they DO NOT furnish any information to the credit bureaus. The credit bureaus are providing false information and they are in violation of the Fair Credit Reporting Act. 

I wrote dispute letters on XX/XX/XXXX to XX/XX/XXXX to XXXX, Equifax and XXXX on the bankruptcy and they all responded back by saying the information was verified.
I over paid Capital One in the account by {$700.00} and they will not send me a check for that amount. I asked for the check and closed my account. The account number is XXXX.
I needed an XXXX for spraying soybeans. The custom sprayer person could only do it on the morning of XXXX XXXX, 2015. I told the merchant very clearly it must be at my residence by XXXX XXXX, 2015. The merchant promised me over the phone that the latest it would be there is the afternoon of XXXX XXXX. When the merchant did not deliver on his promise and get it there by XXXX XXXX, I had to drive XXXX miles and buy the spray elsewhere. Then when the now worthless chemical arrived at my door I sent it back to the merchant and said you did not send it it time you promised and it now has no value to me. So, now the merchant has the chemical and still does to this day. My credit card company, Amazon rewards visa by chase refuses to credit my account even though the vendor broke the contract on delivery date and still has the chemical. So, I am currently out {$870.00} and the vendor has my {$870.00} and the chemical. Please please do not let more consumers be taken by the lack of responsible behavior by vendors and credit card companies. The name of the company is XXXX XXXX XXXX and the name of the vendor is Amazon rewards by Chase. Thank you
I received an American Express prepaid rewards card as a rebate for a purchase. When I made the purchase ( through XXXX ) they indicated there would be a rebate ( {$9.00} ), but not that the rebate would be in the form of a card. 

Therefore, no disclosure as to the cards fees or expiration date were made. 

When I received the card I noted an expiration date of XX/XX/XXXX. No worries plenty of time to use the card. 

I went to use the card today. {$0.00} balance. A call to Amer Express was made and the the Rep for Amer Express claimed that this card is not subject to ANY restrictions of fees and that they have charged me a fee each month until the balance was XXXX. 

The Rep pointed out that on the back of the card is a disclosure about the fee. True enough there is a disclosure on the reverse of the card about fees which includes a guarantee that funds never expire contradicting the expiration date on the front of the card. 

I offered to let the matter pass if my card was reimbursed the {$9.00}. Rep refused. 

{$9.00} is not much. But I reason that Amer Express is doing this as a business practice and it yields them XXXX. 

Card # XXXX XXXX XXXX
There was an account on my credit report with XXXX for a debt that has been closed, now for a second time a third party collection agency called XXXX XXXX  has reported this same balance on my credit report. I have reached out to them about the reporting and all they have on file may be a social security number but they do not have a consumer agreement with my signature, nor my address, or telephone numbering there system to validate this collection account. I have filed a dispute, XXXX  is taking whatever they have on file as valid and this collection company has not even sent me a verification letter prior to reporting. A prior collection account claiming they represent XXXX was deleted due to lack of valid debt information.