WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a new PNC checking account on XX/XX/2016 in response to a {$300.00} new account bonus that was advertised. 
I met the two requirements of the bonus, including ( 1 ) 10 debit card transactions which were completed on XX/XX/2016 and ( 2 ) direct deposits totaling {$5000.00} which were completed on XX/XX/2016 and XX/XX/2016. Attached is documentation showing the promotion, completed debit transactions, and account alerts I received confirming that two {$2500.00} direct deposits were made. 

PNC should have credited my account with the bonus by now, but they have not. I 'm requesting credit for {$300.00} honoring the promotion.
I have a problem with Ocwen they have done me and my Wife worng like the discharged XXXX of my loan back in XX/XX/XXXXmaking my balance XXXX an saying that my payment to be XXXX after that they sent me a 1099 misc tax form showing that they discharge XXXX i got behind on my payment again 3 months do to go in to the hospital for my XXXX this time they sent me modification and i filled it out this time they made my balance from XXXX to XXXX and made my payment from XXXX to XXXX per month plus instead of a fix rate they made a bloom loan. plus i have to pay the Government XXXX in taxes and XXXX to my state taxes because they discharge that XXXX and i see that CFPB filed charges against Ocwen. if you can help us please do so.
I had a second mortgage with HSBC. I made payments of {$220.00} per month on time. I then received a check returned by them saying my account was closed. About a year later I received a collection notice from XXXX XXXX a collection service. for {$29000.00}. 
I thought I was finished paying until I received this letter. I am on social security and can not afford this, especially sice I thought this loan was finished and behind me. I seriously need your help.
I called last month to PNC Bank to make sure that no direct debit out of my account since I do n't have any money in the account. Below is also the communication I had with one of their customer service team. { Thank you for choosing PNC Bank. This chat may be monitored for quality assurance purposes. The next available Online Consultant will be with you. 
Hello, this is XXXX. Thank you for choosing to use our online chat service. 
XXXX : Good Morning and welcome to PNC Chat! I 'm a Chat Consultant located in XXXX, PA. How may I help you today XXXX : I have not heard from you for a few moments. Are you still with me? 
XXXX : Hi, I want to make sure that PNC will not allow any payment request made in the checking account, since I do n't have any fund in the account. I do n't want to get charged insufficient fund fees XXXX : Hi XXXX, I would be more than happy to look into that request for you! Did you set up a payment to another company from your Checking Account? If so, how much was it and when was it done? 
XXXX : not that I am aware of XXXX : just make sure or post a note on the account that no payment is allowed until further notice. can you do that for me? 
XXXX : Sorry, are you expecting a payment to post to your account? I see that you are Opted Out of Overdraft Coverage, which means that you have not given PNC authorization to pay ATM and one-time debit card transactions into overdraft. This does not include checks, recurring debit card payments, non-PIN based debit card transactions or ACH debits where you have made and agreement with a merchant. 
XXXX : If a transaction comes through that is a check, pre-authorized payments and non-PIN debit card purchases may be presented to the account even if there are not funds. 
XXXX : no check will come through for now XXXX : Perfect! As long as nothing is scheduled to come through the account then you should be all set! In the case that an unauthorized transaction comes through, we can dispute that transaction and add all fees to the dispute to reimburse you. 
XXXX : ok thanks! 
XXXX : You 're welcome! May I address any additional concerns today in chat XXXX? 
XXXX : I am all set. thanks } I also called the merchant to do the same as well. However, PNC still allow the transaction to go through not once but 3x. In the process to charge me insufficient fund fee, returned fee. Does n't bank has a fiduciary duty to their bank account customers? So what I ever I requested on my account has no baring to what the bank want to do to make money.
I was charged a Monthly Maintenance Fee of {$12.00} for a statement cycle. They required me to maintain a minimum of {$1500.00} a day in the statement cycle for the month. When I contacted them, I was told that I was charged for a cycle from previous statement, and were reluctant to give me a refund
I have two credit lines with Citi bank. One balance is {$2200.00} and other balance is {$940.00}. I have been paying 14.99 % interest for many months and my monthly payments are over minimum required but balance does not change by much over the years. I have called them many times requesting to combine the two at lower interest and they always say they do not have any offers. I explained I am in a lower income bracket since these were approved when I lived in XXXX. I now live in XXXX with rural based poverty level income.
I have contacted this company on several occassions and spoke with the original person that they stated owed the bill. The original company, which was XXXX XXXX XXXX, indicated that this account should not be on the report. They told me that the account was pulled from them. I then reached out to Penn and then they updated it to paid. It should have never been on my report and I want it removed.
In XX/XX/XXXX I received a letter from United Wholesale Mortgage that my escrow account was going to be short and I need to either send in a payment for {$850.00}, or my monthly payment would increase. Which was weird being that I just started my mortgage with them. I mailed a check which cleared on XX/XX/XXXX. I also mailed my mortgage check. On XX/XX/XXXX I received one of their robo calls to call them back. The lady in customer service informed me that my mortgage payment never arrived. I made an over the phone payment and asked if they " found '' my check to notate I made my XX/XX/XXXX payment. I looked at my bank account online and saw they had processed my check and were still in the process of running my phone payment. I called them to ask to cancel my phone payment as th9is was money to buy XX/XX/XXXX presents. The lady I talked to said it would take 2-3 weeks and it would be better to go to my bank. I went to the local XXXX branch and explained to them what happened. They were confused why United Wholesale Mortgage would send me there, but processed a Reg E dispute. This dispute was declined by XXXX as I gave verbal authorization over the phone for the payment. We had just sent in another payment for XX/XX/XXXX which had cleared when we found this out. I call United Wholesale Mortgage and explained what my bank said as was told I had three payments process, so I was covered for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I received a letter for United Wholesale Mortgage saying my XX/XX/XXXX payment was returned NSF XXXX ; I called to ask about this, as I never sent a check in XX/XX/XXXX. After repeated phone calls to them and countless hours spent by myself and my banker at XXXX, now I received another letter saying they are sending me to foreclosure. I have sent them, on multiple occasions, proof that my two checks have been paid, and my phone payment was processed. Every time I call them to resolve this, since they apparently have no outgoing phone lines and can not call a customer back, I have to resend the same information and am told this issue is in the cash department. Attached you will see the same item I have faxed to them over and over again. You will see two checks clear my personal account and one phone authorized payment. you will also see no credit back from United Wholesale Mortgage to My account. If my check, as they claim but can not prove, was returned, I would have that money in my account. You can Cleary see that they took three payments from me. Now they have put myself and my wife through emotional distress trying to resolve this. They have all of my proof that they have been paid, and can not provide me one item showing that they have not.
I refinance my mortgage with Selene Finance in XX/XX/XXXX. About the same time I received my 100 % VA XXXX rating. I sent them the info and the letter from the township verifying that NJ states that I am Property Tax Exempt. it took them about 3 months to update their records and refund me the escrow for my property tax. That decreased my monthly payment by about {$450.00}. Everything was fine until XX/XX/XXXX. I received a escrow analysts from Selene stating that I owed property tax and increased my monthly payment over {$600.00}. I called Selene on or about XX/XX/XXXX. During the call I was transferred to their Escrow department. While talking to the individual he stated that they received a property tax form from my township and said that it stated that I owed property taxes. The individual then called the my township on three way with me who then informed the representative from XXXX that if he simply looked at the second page, he would see that I owed {$0.00} in property taxes and as a 100 % VA rated XXXX veteran my property taxes were waived. Once we hung up with the township he said that he would update their file and forward with in there system and I should call back in a week to verify that everything was resolved. I then called back onXX/XX/XXXX and was told that it was still in work and expected their system to be updated any day because they had to perform another escrow analysts then to call back in a week to see if it was complete. I then called back on XX/XX/XXXX because I was ready to pay my monthly payment but it was still showing the higher monthly payment. Once again I was told that it was in the works and should be fixed any day now and give them another week and it was okay because I was not late on my payment until the 15th of  the month. I then waited untilXX/XX/XXXX to call back. this time I was told once again that their system should be updated any day and to just pay the extra amount and work it out later. I told the individual that I did not find this acceptable and I would like to speak to a supervisor. Once I was on the phone with the supervisor they told me that they had 30 days to re-accomplish another escrow analysts and that my only option was to pay the higher amount and then later dispute the charge and request a refund. I stated that how could they insist on charging me more money, when they were the ones that made the mistake by simply not looking at the whole bill and then make me fight them to get my money back. I was ready and willing to make my normal payment that I had been paying for the last year but they refused that offer. I refused to make a payment for the higher amount and now they are reporting me as being late on my mortgage. could someone please help me resolve this.
I reported a debt that I have absolutely no idea why it is on my credit report to all XXXX agencies. This debt is not accurate and I do n't know how it got here. It says I owe {$150.00} to XXXX XXXX. It says account was opened in XX/XX/XXXX and they JUST added it to my credit reports in XX/XX/XXXX. This makes no sense! I have an up to date and active cellular account with XXXX XXXX, so how in the world do I all the sudden owe money from 5 years ago?! I never once received a bill or a phone call from these people and since I have an ongoing active account with them, why would they never have mentioned this so called " debt '' to me. This is robbery. It is affecting my scores and I need it removed. I filed disputes with all XXXX agencies and I received an update through Experian so far. Experian, after XXXX hours, sends me an email and when I click on the link it says " updated ''. This should be deleted, not updated!!! I do n't even know what it 's for! I 'm upset and outraged that they are allowing this to happen. For the past few years I have never made a late payment or allowed an account to go delinquent so this is ridiculous. There 's not even a telephone number to contact this " XXXX '' account, so who 's going to help me? Experian did not help me and I need help!
I disputed the lack of correct reporting of my credit scores with XXXX bureaus with no success. 

Since 2009 I have been asking and make a correction since on my mortgage payment and date of birth with no success. 
You have XXXX bureau with different credits score and critical data on file. 
I submitted a copy of State Driver license, Social security document for a correction with no success. 

Up today, you have XXXX different score with my case.
Clear spring loan services called me several times a day trying to collect on an amount they ca n't prove I owe. I submitted a previous complaint XXXXand they responded by saying they need 60 more days. Why do you need 60 more days, you were trying to get me to pay some bogus amount immediately and now you want 60 days to get your act together. Either you can prove i owe the amount or you ca n't. Why do you need 60 days? Are you trying to find proof? If that 's the case you were illegally collecting from me this whole time and assumed i was some XXXX who would not ask for proof.
For both equifax and XXXX I got : something happened and we are unable to process your request.
We had some financial issues in XX/XX/XXXX and had to file bankruptcy. We had reaffirmed our home and had all payments caught up by XX/XX/XXXX. In XX/XX/XXXX CitiMortgage sent a statement indicating that we were still 1 month behind on our mortgage. I had contacted them by phone beginning that same month about the situation and they assured me that they had found the mistake and would correct it. Several months passed and every month I had the same discussion with them about the missing payment. I had finally sent them documentation by fax, email and certified mail showing that the payment had cleared my account and nothing was ever settled. I fell behind again in XX/XX/XXXX and by XX/XX/XXXX, I called to catch the payment up but the mortgage company would not except payment over the phone. On XX/XX/XXXX I mailed 3 payments to CitiMortgage. They sent the checks back to me stating that they received the checks on XX/XX/XXXX and my account was referred to the foreclosure lawyers on XX/XX/XXXX. I then asked them the amount that needed to be paid to stop foreclosure and reinstate my loan and they could not tell me at that time and that I would need to contact the foreclosure attorneys. I then contacted the attorneys on XX/XX/XXXX by phone and was told that they would have to review my case and it would 3 to 5 days to send me a reinstatement amount. I received an email from the attorneys on XX/XX/XXXX providing me with the reinstatement amount including several charges that I disputed. I sent a letter by mail and fax disputing the charges. I never received a response so on XX/XX/XXXX I wired the money in the reinstatement quote as instructed to the attorneys account to meet the deadline and stop foreclosure proceedings. I have attached some of the correspondence requesting information. <P/>Thank You, XXXX XXXX
I received a call from XXXX a debt collection company stated I owed {$4900.00} to XXXX XXXX, to which I informed the debt collector I did not. I was not given FDCPA, no any disclosures, I asked them to not contact me again as I did not owe any debt to XXXX XXXX and also asked for validation of the debt. to which has yet to be provided, after asking them not to contact me again and to cease collections efforts on XXXX XXXX a debt collection letter was sent to me via mail.
XXXX XXXX advertises as a highly rated auto loan lender. They do n't clearly indicate prior to asking any personal information that they are intermediaries and are selling your information to several lenders. At the end when prompted to enter the last 4 digits of ss #, they do n't give you a warning that proceeding will cause several companies to pull your credit. Instead of a 'submit ' button clearly identified as last step before your information is released to them, their button says 'View Free Rates ', once you click on that, the screen disappears and no rates are given or provided. 
Then i called their phone number and that is when I was explained that i had authorized several companies to pull my credit. 
This is deceifull and not at all what i wanted, and could cause my score to go down due to the inquiries. 
Very upsetting
To : SPS and Equifax XXXX/XXXX/2016 From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX You are showing my account with SPS in collections this is not the case the house has been sold. 

See sale docs and the letter from SPS that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!!
XXXX XXXX solicits the public to sign-up for its XXXX XXXX Citi credit card by offering the flying public several perks.including among them the right to have XXXX Boarding when purchasing a ticket. That is being able to board before the general public and therefore to have more time to relax and prepare for your flight. In the past XXXX months XXXX has failed XXXX to honor this advertised perk for my wife and I.. Their most recent response to me today was : 'The number of customers previously included in XXXX was simply becoming unmanagible. '' If this is their position why are they allowed to keep advertising this perk to the public as an inducement to accept their card. No goodwill adjustment has been offered to date.
I have duplicate hard inquiries reporting to the consumer credit reporting agency. I have disputed this with the agency and they still do not remove them. They told me I need to contact the creditors on removing them. I have written to the creditors, also called them with no response to my dispute of the duplicate entries they are reporting on the same day or a day apart, same year for the same reason " auto financing ''.
Hello, I signed up for a promotion to get points after spending a certain amount on the credit card. After meeting the requirements, I was awarded the points. This XXXX I cancelled the card, and was never notified that the points would expire after the card is closed, since I have additional cards with the bank. Based on what I 've been told before, as long as I have accounts with the bank, the points will not expire. This is stated in the disclaimer as well. After speaking to a rep over the phone, they advised that I shouldve been notified when i filled out the request the close the account. However, I never needed to fill out a form to close the account. I just sent one simple message, and the team closed my account out. This is very deceptive and the rep acknowledged that I shouldve received notification as well prior to the account getting close and that I shouldve received properly disclaimers on the effects of an account closure. Citibank is inconsistent in the way they handle accounts and the consumer if negatively affected as a result.
I have had a Citgo XXXX card since XX/XX/XXXX. It has been closed for many years, but I have an auto payment drafted every month for the minimum due. 

Every few months, I check my account online to see how much the balance is, or other information about my account. 

Today I attempted to log in, but was unable to. The bookmarked site says the website is no longer available and listed an XXXX number to call. 

After multiple frustrating phone calls, I finally spoke with someone in the technical ( website ) part of XXXX who notified me that since my account was closed, there was no way to access my account online anymore. 

My stance is that as long as there is a balance owed, the account may be " technically '' closed for further purchases, but the account is still OPEN for making payments. ( If they want to close the account and write off the balance, I am amenable to that option. ) My issues are twofold : one - how can it be okay to not have online access to my account while there is still activity? And two,  was anybody going to let me know this was happening? I received NO notification about this from anyone. I 'm actually surprised that the autodraft continued uninterrupted. 

[ Some of the customer service reps said that Synchrony Bank bought out those Citgo XXXX accounts. I have no communication from Synchrony Bank as to whether this occurred. I might have a problem with Synchrony Bank debiting my bank account every month as I did not authorize them to do so, unless, of course, the fine print stated that the assigns of XXXX would have the same authority. ] What if I wanted to change the amount I pay every month, or the bank from which the payment is taken, or to check my balance or to verify the interest rate I am paying? And, again, nobody bothered to notify me of this change. I still do n't know when it actually happened. The last time I accessed my account online was in XX/XX/XXXX this year. It is unbelievable with today 's technology that XXXX or Synchrony or anyone is unable to keep an " account '' open while a customer is continuing to make payments. Surely there 's no shortage of server space.
A hard credit inquiry -- a totally fraudulent, unauthorized credit inquiry -- was made on XX/XX/XXXX by way of " Bill Me Later '' /CCB/PayPalCredit. This is damaging my credit and making me fear of potential identity theft. Please stop this fraudulent practice of signing ( or attempting to ) sign people up for credit cards they never asked for.
On XX/XX/2018, I sent a letter to dispute the late payments shown on my credit report which they signed for on XX/XX/2018. I DID NOT receive a response within 30 days as required by law. They also DID NOT mark the account as disputed within 30 days as required by law. They have not followed the FCRA and the negative remarks need to be deleted.
The XXXX pre-paid XXXX XXXX Card that I currently have has continued to withhold funds from me illegally. I recently filed a complaint with them regarding a pre-authorization charge hold that was placed on my card for a recent hotel stay. In that case, despite the fact that the hotel had released the funds the very next morning upon checkout, the XXXX XXXX  card decided to withhold the funds for up to 21 DAYS! After making my way through several calls and supervisors later, they had told me the funds could be released if I were to send in a fax with specific instructions and answers to their various questions regarding the transaction. Once I completed that unnecessararily tedious transaction, the funds were released back to my accountabout ten days after they should have been. Well in my current situation, the same exact kind of hold, this time for {$86.00} was placed on my account on Friday, XXXX XXXX, despite the hold being immediately released the following day on Saturday, XXXX XXXX. Hoping to take advantage of what is still a tedious way to get what was rightfully owed back to my account in an efficient manner, I had sent in a fax again, per their specific instructions and answers I was to give to their questions. But, lo and behold, they told me of a restriction they havethey only allow these faxes they use to release the funds that should have already been released to my account ONCE EVERY 30 DAYS. I would like to point out it doesnt state this anywhere in the card holder agreement, to which the supervisor stated was correct. So they are are setting up their own kind of rules that are not written in their cardholder agreement. Isnt this an unlawful withholding of my funds then?
I never file a BK and It was removed from XXXX but is reporting to Experian and XXXX XXXX.