WillisBack/dataset-financial-user-claim huggingface dataset:
the bank is supposed to honor a {$200.00} new account bonus, as long as i has a direct deposit from a paycheck. 

I have contacted the bank probably 5-6 times, and i have already submitted a CFPB complaint. 

The company 's response to my last CFPB complaint is invalid. They are advizing that my " direct deposits '' do not qualify - yet they have no valid reason to say this. Their frontline reps already tried telling me the direct deposits are not valid - when i showed them pay stubs from an employer, they came up with a new reason of why i do not qualify for the bonus. So, BMO already has my pay stubs on file, yet they are asking to see them again. What is going on? - EXPLAIN TO ME HOW MY DIRECT DEPOSITS DO NOT QUALIFY????????????? ON WHAT BASIS ARE YOU SAYING THIS??????????????????????????????????? READ YOUR OWN REQUIREMENTS, COMPARE IT TO THE PAY STUBS THAT YOU ALREADY HAVE ON FILE, AND EXPLAIN TO ME HOW YOUR REQUIREMENTS WERE NOT MET!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

This is a copy and paste from their response to my previous cfpb complaint : " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. '' P.S.
If you are going to try to deny my the bonus once again, i kindly ask that you read the emails ive already sent your company. Like ive already mentioned, youve come up with 5-6 completely false excuses to deny the bonus - each time i have replied to your company, disproving the excuse, and then you just come up with a new one.
Your company 's response to my previous CFPB complaint was already disproven in my 2nd of 3rd email to your company. Please respect my time as well as your time and read the emails so that you dont try using an excuse that has already been disproven.
P.S.S : i am attaching a copy of one of the pay stubs which proves the direct deposit come from an employer. BMO Harris has on their records this deposit, as well as the 2nd deposit  from the same employer which makes me qualify for the {$200.00} bonus becuase both deposits are mroe tahn {$300.00} and happened within 90 days of account open.
XXXX/XXXX/XXXX I submitted a request for mortgage assistance to CitiMortgage to short sale my home. I started to receive correspondence from CitiMortgage appraising me of the status of the request. Correspondence indicated I was going to received an answer by XXXX XXXX, XXXX. On XXXX XXXX, XXXX I called CitiMortgage to get an update on my request. The mortgage assistance specialist handling my request, XXXX XXXX, does not answer her phone and her voice mail is full and I can not leave a message. I chatted with CitiMortgage and did n't get anywhere. Every time I call customer service ( I tried XXXX different numbers ), my call is automatically transfer to XXXX XXXX, and of course, she does not answer and I can not leave a message. CitiMortgage is being threatening to foreclose my mortgage since XXXX, and this is the XXXX time I ' m attempting a short sale. I have multiple offers but can not proceed until CitiMortgage approves it. The first time they drug their feet and it seems they are doing the same this time around. In the meanwhile, fees upon fees keep accumulating on my mortgage.
I have been attempting to dispute the incorrect items online, the system says I have to do it over the phone. I continue to call and get bounced around and placed on hold. Right now I have been on hold for over 32 minutes and just want to dispute the errors on my report. The reps take my information, then say I need to transfer to a specialist and I end up back on hold. This is frustrating and unfair. I am interested in purchasing a home and cant get them to even take a valid dispute.
Collection agency Meridian Financial Services is charging me a collection fee that is absorbent and unfair. Meridian Financial Services refuses to validate their collection fee practices. They are unwilling to show me documentation on their fee assessments and state I have no right to that information per representative
XXXX XXXX XXXX 's from XXXX XXXX firm was asked TWICE not to contact me at work and continued to do so. He would call my place of employment repetitively would and would let the phone ring an excessive number of times. Because I work in a customer facing environment, this created a challenge for the daily operations of our branch as well as having the phone line free for our customers to reach us. XXXX XXXX called my employer AGAIN on Friday XXXX XXXX, XXXX and this time told one of my employees that he was " my buddy '' and released information to her about a signature that he needed to obtain. I would to formally request this company be looked into. They are calling me from XXXX. Also they have called me from local numbers such as XXXX. The calls to my employer are the most concerning considering I have asked this gentleman to cease contacting me at work on two occasions.
When I set up this account I was n't aware of my actual due date and was under the impression that I enrolled in paperless billing. Never received email or statement which caused my account to go 30days past due. I contacted Targe t Credit Card/TD bank  and sent them a letter in order to resolve this. I even emailed CEO this is unfair on my behalf. I 've paid my account in full and that was the 1st and only late payment with them. My account is current and the late payment need to be updated/ forgiven this was an error on their behalf. They are negligent in this matter.
I took out a consumer title loan with Wilshire Consumer Credit for {$6000.00} using my car as collateral in 2013. They quoted a reasonable interest rate even though it was a consumer loan. I was thrilled to be able to get it. The balance was immediately raised up to {$8000.00} which I didnt know would happen. I paid on it religiously for almost two years and then my husband/business partner had a XXXX and I fell behind on the payments. I contacted them and told them the situation and asked for a payoff amount thinking I could just pay them the little that was still on the loan and not worry about it any longer. When they told me the payoff amount was still {$8000.00} I was flabbergast since I had more than paid for the loan! They explained that the interest had gone up since I had missed payments! I explained again that my husband was ill and we had to close a XXXX year business. I kept trying to negotiate this balance down to a reasonable amount and they wouldnt budge much. I kept asking to speak with a supervisor and eventually I went up the ladder to someone who looked at the situation and said under his breath that it was all interest we owed. He said he would talk to his supervisor and " get right back to me '' and I never heard from him again even after calling several times. We then had to declare bankruptcy which allowed us to keep the car a little bit longer and was advised by my lawyer to just give them back the car since they were never going to do anything that would have them not make all their money. So, I told them to come get the car. When they did, they sent me a notice saying they would be putting the car up for auction and I could purchase it for a little over {$4000.00}! Had they been willing to do that when I asked I would 've settled the loan immediately ... meanwhile I had to take out another loan and purchase a new car, which is fine, but what a pain to go through all this XXXX when I am taking care of my husband full time, lost our business and am trying to survive. Beware of title loans no matter how appealing they are! These people are sharks with no remorse.
I received information from my employer today, XX/XX/18, regarding a wage garnishment from a collection agency, XXXX XXXX XXXX, on behalf of Department of Education. However, I have received no correspondence from this company until the wage garnishment notice my employer forwarded to me. I had previously requested a deferment for my student loans due to prolonged unemployment and only returned to work full-time 3 months ago and have made 2 monthly payments towards my loan, which were sent directly from my bank using online bill pay feature.
I submitted the request for all XXXX reports at annualcreditreport.com, but when I clicked to get the first report, Equifax said there was a system error. When you click on the return button, it takes you to Equifax.com, where they offer to see you your report, but there was no way to return to annualcreditreport.com, to be able to get the other XXXX reports. I eventually tried to go back, but the system would n't bring me back to a place to request the other XXXX reports. I now have to use another method to get access to my XXXX reports, instead of the online, faster at. Very disappointing, and it seems like they want to make you purchase your reports, instead of allowing you rightful access to the free reports.
I applied for an Ally checking account and savings account. I ws granted XXXX. a total of {$20.00} was transferred to those accounts out of my checking account I have had for a while. Then Ally blocked my accounts with them and told them I have to prove to them who I say I am. I called and emailed them several times. Finally I was told they performed a credit check and it did n't go through. During the application process I was never told my credit would be checked by Ally Bank. Also if the credit check did n't go through why did they transfer my money to their accounts? They should n't have done that. The application process should have been stalled until this was settled. I also told them I froze my credit report because I was a victim of identity theft a few years ago. I told them they need to return my money and close my Ally Bank accounts. Instead they refused and if was after this they sent me a signature card which I signed and returned and they keep sending me emails but they refuse to unlock my account, they refuse to return my money and they refuse to close my Ally accounts. They never received my permission to perform a credit check and never said during the application process they would do so. Since the credit check did n't go through they should never have approved me for accounts with them and never should have transferred the money. They have committed petty theft ( stole and refused to return {$20.00} XXXX and they have committed banking fraud and illegally tried to access my credit report without permission. I want my money back and the ally accounts closed. If Ally Bank still refuses to return the money I want criminal charges pressed against the fraudulent company for petty theft and banking fraud. 
They keep sending me emails and mail so obviously they know I 'm not a fraud. Ally Bank is the fraud. They have sent me a checkbook and a banking card. I have n't used any of the checks and I have n't activated the banking card.
This complaint is in reference to Nationstar mortgage number XXXX. At this time, Nationstar is aware that the above referenced loan was discharged in a Chapter XXXX Bankruptcy in XXXX XXXX XXXX, FL on XXXX/XXXX/XXXX under Case Number XXXX XXXX. At the time of the bankruptcy, the loan was owned by XXXX XXXX XXXX and then sold or transferred to Nationstar after the discharge date of XXXX/XXXX/XXXX. Regardless, the loan is XXXX and should no longer be reported to any credit bureau - positively or negatively. 

At this time, it has come to my attention that Nationstar is reporting to all three credit bureaus on my behalf on this account that has been XXXX for over 7 years. 

At this time, I am requesting that an update and correction be made on my behalf to all three credit bureaus by Nationstar and all negative or positive information about this XXXX account be removed from my credit report with all three credit bureaus. I look forward to an amicable resolution. 

Thank you.
I have accounts reporting on my credit report that I did n't do or get. My name is very common and the local police department explained that the best route would be to call the bureaus and another government agency I think this one but it was called something else. I have a judgement for an auto? and child support? very frustrated with myself for not keeping up with this stuff.. did n't think i had to. I 've sent the bureaus dispute letters but there has n't been any real traction. This is affecting my personal life and the more time that passes the more XXXX i 'm getting. I have followed the specific instructions on the website showing what to do and i uploaded it. I can give you letters sent and receipts.
Because of the data breach at equifax, I am putting a freeze on all 3 credit bureaus.
I had no trouble doing this with both XXXX and XXXX. BUT.. experian is causing me trouble.
I entered all the correct data on their website. But..they claim I did n't answer a question. Correctly. When I looked for more information ... I was told the question about a vehicle I purchased prior to XX/XX/XXXXwas incorrect.
Well..I am XXXX  years old. I have owned a XX/XX/XXXX, a XX/XX/XXXX, XX/XX/XXXX a XX/XX/XXXX a XX/XX/XXXX a XX/XX/XXXX a XX/XX/XXXX, and a XX/XX/XXXX. But..they only want one. Which one? I think I guessed wrong. How in the world can anyone my age ever get this right?
Also..the question about phone numbers ... 3 of the possible answers were correct ... which one do they want? 3 are true.
So..now they want copies of my current utility bills to prove my current address. I have been the sole caregiver for my elderly parents for the last year ... the bills are all in their names.
How do I get thru to them? I need to see what is on my report and I need that credit frozen.
Every other redit report bureau had no trouble with my info ... geez ...
Please help!
Contact me at XXXX. Or by phone. XXXX XXXX I am really worried that the timing I. This is very important Thank you, - XXXX
I just want my credit report updated and accurate. i have bills that has been paid through Chapter XXXX bankruptcy XXXX XXXX XXXX Case XXXX.
Kohl 's Department Store closed my credit card account due to inactivity without properly notifying me and they reported it to the credit bureau and as a result it has negatively affected my credit.
They are attempting a scam. They call me every day 4 times a say about a JCPenny Credit card feom Syncrony Bank. I have never been a customer at a JC Penny. I have told them they have the wrong phone number but do not ask for anyone by name. They have called 4 times a day since XX/XX/XXXX. I want harrassment charges filed.
I have written Experian XXXX. I have included a copy of my drivers license, social security card, and even page XXXX of my current bank statement showing my name and residence. EXACTLY WHAT THEIR WEB SITE SAYS TO DO! 
The XXXX letter they said was suspicious and they refused to do anything. The XXXX letter they ignored me and did not even respond! I have heard stories and read news reports of abuses by these companies and I shocked that I am now a victim of them. I called the XXXX attorneys office and they suggested I file a complaint here and you would help me as this is a Federal issue.
I have a mortgage with XXXX. They apparently mistakenly sent my mortgage ( and a number of other customer mortgages ) to ClearSpring Loan Services for collection even though the mortgages are current and I continue to make regular payments. In speaking with XXXX several times, they tell me that there was a mistake on their end in sending my loan for collection but it has been over a month and they still have not addressed the issue although they claim they continue to work the issue in their Research department. However, I continue to get calls from ClearSpring demanding payment even though I have sent an e-mail to ClearSpring explaining the situation.
I received a moneylion back at the end of XX/XX/XXXX. At first they stated I wouldn't have to pay the loan back until starting end of XX/XX/XXXX and on the app I downloaded it stated on there as well. I got a notification that instead it was a mistake and it was adjusted to start in XX/XX/XXXX or XX/XX/XXXX on the app. I didn't receive a letter in the mail. A few weeks go by and I see an alert on my credit report stating that I was behind in payments. Yet I NEVER got anything in the mail about when payments would be do. On XX/XX/XXXX I logged on to the app and paid a payment of {$120.00} which was deducted from my bank account on XX/XX/XXXX and a few months go by and it still says on my credit report that my account is past due. I log into the app and the payment still said It was pending. It was never updated to show the true balance. I had to email moneylion customer service and they stated it would be updated in the system but it still says pending. And it reports every month as late. If I never got a statement in the mail stating by when and how much is due by a certain date how is it fair that it reports late on my credit report? I never got any type of communication with this company about it.
Name of Creditor : CREDIT COLLECTION SERVIC Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, MA XXXX Re : Progressive Insurance Company Amount : {$390.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
XXXX XXXX XXXX {$520.00} In XXXX I had previously informed the bureau that this account was unknown and the account was opened in direct result of identity theft which occurred from the loss of my identification in XXXX. The reply I received from this credit bureau was that this account was verified which is contradicting the statement received from the creditor who has confirmed in writing that the account was found to be opened fraudulently and that they have contacted both XXXX ; Experian and XXXX XXXX to remove the account but the account is still being reported and is causing extreme hardship. I had requested that the file be removed on numerous occasions and XXXX XXXX but this reporting bureau has failed to remove it and for this reason I quest the assistance of the CFPB.
The account was opened   XXXX   XXXX   XXXX   for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement.and tried to resolved it for over 1 year.     The credit reporting agencies keep on reporting it as  Paid,  was a charge-off despite that the account was paid in full not charge  off ( EXHIBIT A ).  Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck.   In Credit report Agengies, it is stated as FP ( Fail to Pay ) as of  XXXX   XXXX  and I sent a letter to both  Creditor & Credit Agencies  ( Exhibit C ). The creditor sent a letter to confirmed that I made full payment to the creditor and invited to apply and gain a new card ( EXHIBIT D ).   The creditor agencies reported in my payment status as Legally paid in full for less than the full   balance ( Exhibit B ) which is wrong after getting my result of my complaint from CFPB.
The Creditor Agencies punishing consumer who exe  rcise their right to ask for fair credit report treatment by keep on reporting wrong information in the credit report. Please can you step in to help me resolve this problem which over 3 years now.
My Husband XXXX XXXX has a mobile home loan with Green Tree which we paid the principal balance off back in XXXX. Green Tree is refusing to release the title because they say they have added insurance to the account even though we have provided proof of insurance to them. They are charging us interest on something even though we have statements that show a XXXX principal balance. We have been dealing with this issue since early XXXX and have faxed document after document showing we had insurance during the dates they are trying to charge us for. In the mean time they are harrassing us by telephone daily for the money and have stated they will no release the title until we pay the insurance. We have proof of insurance. We are paying fees to keep the mobile home in place due to the fact the purchaser who bought it from us ca n't move it until we have a mobile home title. It is a racket. You should n't be able to assess insurance on a property that already has insurance on it and then expect people to pay for it and not refund them. We have had this happen XXXX other times with Greentree. Our balance is paid in full and we want our title.
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX all was ask to remove inquiries. Called multiple times a day.
I am writing to request a rebate of the late charges I paid over the XXXX month billing period ended XXXX/XXXX/15 and the 48 % increase in interest charges during this period when my interest rate was increased from 14.24 % to 27.24 %. This caused me to be charged approximately an extra {$1000.00} in interest. The late fee charges were {$110.00}. 
I was told by both XXXX XXXX and American Express in many telephone calls to wait until after the XXXX payment plan was approved before requesting abatement of these onerous charges. In a call to American Express on XXXX/XXXX/15, I was told that they no longer handle my account and referred me to XXXX XXXX. In a call to XXXX XXXX, I was told that AE had to handle this request. XXXX internally transferred the call to AE but I got the same previous automated response. I then wrote a letter dated XXXX/XXXX/15 to AE outlining essentially what I am reporting in this complaint and got no response. 
I believe I am due abatement consideration fro the following reasons : - It took AE XXXX months to approve my payment plan with XXXX XXXX when all the other cards approved the plan in 5 business days or less- an unreasonable delay and one XXXX said was unusual. 
-During the XXXX months XXXX XXXX made payments to AE on my behalf that were actually in excess of the plan AE ultimately approved ( {$580.00} vs. {$650.00} paid ). 
-I maintained telephone contact with AE during the process ; informing AE that XXXX month 's payment would be late because of my requirement to prepay XXXX. I could not afford to double pay during this transition period. 
- The increase in interest charges is astounding and I would consider userousI believe I should be refunded the excess interest and the late fees.
Last reported date - XX/XX/XXXX Creditor Name - XXXX XXXX Supposedly Opened on - XX/XX/XXXX Limit - {$500.00} Payment Status - Collection/Charge off Creditor Contact Details - XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number - ( XXXX ) XXXX
I have an account with USAA who is located in XXXX XXXX Texas. Duringg the last week, I had a situation whereas my bank account was frozen. I did have a chance in telephone number, address, and because I feel I made purchases the bank froze my account. I was made to make XXXX phone calls XXXX XXXX XXXX and identify myself twice. My second phone call was sent to the fraud division. The monies in this account contain my rent, food and money for bills. Today I made XXXX phone calls each time security was an issue. Yes I moved and have a new telephone number. This is my right, and for the bank to freeze my monies I felt this was suggesting that I was committing fraud.