WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX, Il XXXX XX/XX/18 Chase Card Service XXXX XXXX XXXX XXXX, De XXXX ( F ) XXXX To Whom It May Concern : I am faxing this & sending via USPS. I am a regular Chase customer with Savings & Checking accounts. I also have a very good credit score with my monthly bills being paid on time. I am a senior citizen on a fixed income. I have # credit  cards. Yet when you sign up for credit cards, it does not convey the holder of these cards. Well I realize that @ least 3 of my cards are generated by Chase Bank. Mainly my XXXX card ; XXXX card & XXXX XXXX. 
With the XXXX season upon us, I have XXXX grandchildren to purchase gifts for. I had called the individual cards to inquire re : decreasing my interest rates. This was NOT considered by any of the cards. I am annoyed that with all these cards & Chase is making a lot of money off my interest % & yet not one will decrease my interest rate!!!!!! 
Why is Chase Bank sucking the air out of my lungs with these high interest rates????? Chase is making a lot of money off my purchases & yet wont consider lowering my interest rate on any one of the three cards. Disgusting customer service. 
Please contact me @ XXXX to inform me IF there is any consideration to be given to decrease my interest rates on any or all of the credit cards. As a large conglomerate, I do believe you are not suffering any financial hardships. PLEASE give this consideration. 

Respectfully, Ms. XXXX XXXX
Continuous calls from multiple numbers, for a debt that is over 13 years old, have been told repeatedly to stop calling, as this was settled with XXXX several years ago, continue calling all hours of the day and night
she told me and did not give me her name that she can go after me for a 10 yer old debt. i tried to get it settled but the company refused payment told me i had to pay the whole amunt or esle. than sold the debt to another company. which calls me 5 times a day now even after i said no contact
ConServe on behalf of U.S. Dept of Treasury and VA sent me a wage garnishment for repayment of my G.I.Bill for classes I dropped. They said they would keep taking XXXX % out of my paycheck until a stop payment is received. I owed {$770.00} the collection agency instead garnished {$1000.00} out of my wages. Which means there was an overpayment of {$240.00}. I 've called ConServe and U.S. Dept of Treasury and VA and neither agencies can tell me where the money is and it has been 55 days now since the debt was paid. I do n't know what else to do because I served my country for 4 years to get my GI BIll, and I 'm being punished like this, I go to work everyday and I 'm being put further and further in debt because of this. How can I pay other debts if this agency is taking more money than owed on that specific court ordered garnishment? I have not received any documentation stating the debt was paid nor have I received anything telling me what they did with the overpayment, whether it was applied to another debt or whether it would be sent back to me.
I received a notice titled " Credit Settlement '' instructing me to pay {$510.00} a month to a company called Nationwide Debt Collection Services LLC XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX for {$33000.00} in credit card debt. It claims to be a settlement of debt from various credit card companies. 
I believe this is totally bogus and I have no such debt so I do not plan to respond. I'm concerned that others might be taken in by this and ripped off so I am notifying you. 
The notice is XXXX Dated XX/XX/2018.
I purchased a car from Ray Skillman Westside Auto in XXXX, IN on XX/XX/2017. The finance person named XXXX XXXX, tried to lie to me about having to take warranties in order to get auto financing. Later on that day I called another Ray Skillman location in XXXX and they informed me that information was not true that all the warranties are optional and up to the customer. I called on XX/XX/XXXX and talked to XXXX in finance. She told me to come back in and she would re-do my loan I drove an hour and a half there for XXXX to tell me she could not help me and to call XXXX on XX/XX/XXXX. On XX/XX/XXXX I talked to the manager there XXXX XXXX and he still did not want to provide me a resolution to the problem. I called XXXX XXXX and they told me the loan had no been financed yet and th dealship just needed to call to put it on hold until a new loan application could be done. I called XXXX back and he assured me he would contact XXXX and put the app on hold. He did not do this. So I drive another hour and half on XX/XX/XXXX and when I get there XXXX tries to tell me he ca n't help me because the loan was processed this afternoon. I had to tell him that his manager XXXX assumed me I would not be driving 3 hours round trip for someone to tell me they can not help me again. XXXX then called XXXX and they told him to process a new loan app. Then XXXX again still tries to make me take out an anti theft warranty and tells me it automatically comes with the car. I said no it does not because I have called your other locations and your manager XXXX XXXX and they all say its optional. I told him to go talk to XXXX. He comes back in the office and says to me well we normally do n't do this but since you are friends with the sale rep we wo n't charge you for the anti theft warranty. He then processed the loan as I ask just the car and no warranties. I took an additional 6 hours of my time to get them to give me any help. I owe them {$200.00} on a down payment, and I think they should be held responsible for the time and gas I spent coming back when they refused to assist me and because I was given false information by XXXX. XXXX XXXX tried to lie and fraud me out of XXXX for a anti theft warranty that was optional.
I make regular purchases on this account for my business in the sums of $ XXXX {$2000.00} and have done so for a few years. I always pay my bill early so as not to incur fees. 

This time I paid a portion of my bill electronically through my bank on XXXX in the amount of {$1500.00} Please see supporting documents. 

On XXXX you will see ALLY put a " Payment Hold '' on my credit card for {$1500.00}. This does not allow me to charge that amount on my card as they state they have not actually " received the payment '' .. 

I called on XXXX to see why I could not charge {$92.00} for business and there was not enough credit available ( please see supporting documents XXXX. I was told that they do not actually have the money and the account is not paid and this hold will not be released until the XXXX of XXXX. 

I want to know what they are doing with my money and why when I pay my bill it 's no longer actually paid ( this is a new thing they are doing ). I also do n't want them putting credit " Holds '' on my payment so I accrue more interest.
CHASE BANK CLOSE MY XXXX XXXX MASTER CARD THIS CREDIT CARD ENDING IN XXXX ON XX/XX/2018 I WAS TOLD TO CALL BACK WHEN I GOT A LETTER FROM CHASE CREDIT CARD SERVICES WHICH I DID TO SEE IF CHASE WOULD REOPEN MY CREDIT CARD. I WAS INFORMED MY CREDIT CRAD WOULD REMAIN CLOSED. ALL MY PAYMENTS ARE PAID ON TIME NEVER LATE .WHY IS CHASE BANK CREDIT CARD SERVICES TRAGETING MY ACCOUNT FOR CLOUSURE? ALL MY ACCOUNTS WITH CHASE ARE PAID AS AGREED.
The Bank of America Preferred Rewards program advertises for platinum-tier members a 50 % bonus on eligible cards, which the Premium Rewards card is among. After reviewing all related terms and conditions, I found no clear indication that this 50 % bonus excludes the reward granted for spending {$3000.00} in the first three months of membership.

Not wishing to act on misinformation, I sought and obtained the assurance of as many as four branch representatives that my interpretation of the terms was correct and that I would indeed obtain a 50 % bonus on the reward received for spending {$3000.00} in the first three months of membership.

Although initially I contacted a representative of the credit card itself, she could not state with certainty whether the reward would apply and had advised me to visit a branch location for further confirmation -- which, as described above, is exactly what I did.

Despite the certainty of the branch representatives, it turns out we were all deceived. ( I assume none of the representatives were intentionally lying to me. ) The advertising and the terms and conditions of all relevant programs -- their Preferred Rewards program and their Premium Rewards credit card -- are sufficiently ambiguous that even Bank of America 's own employees failed to interpret them accurately.

Needless to say, I feel cheated.
We have been customers of CitiMortgage for ten plus years and our current mortgage and HELOC are both serviced through them. We had done a refinance approximately five years ago to obtain a lower rate and the process was seamless even though the industry had tightened up due to the housing market crash. Recently we decided to refinance again combining the current mortgage and HELOC and because of our history with CitiMortgage, we decided to go through them again. On XXXX XXXX, 2015, I called and spoke with XXXX XXXX and began the process. While there are several customer service issues with our attempt to refinance XXXX which l will not go into at this time ), the first and foremost complaint has to deal with our lock. We were locked in a rate of 4.375 %, receiving a credit of {$1100.00} expiring on XXXX XXXX, 2015. As of today XXXX XXXX, 2015, we still have not been contacted by CitiMortgage regarding our expired lock. In fact on XXXX XXXX, 2015 at XXXX, I had called our loan processor XXXX XXXX XXXX and advised her via voicemail ( she does not answer her phone and or return phone calls ) that XXXX and I have decided to withdraw our application. However XXXX XXXX had not checked her phone messages, but instead sent me an email stating that we were final approved and the closing department would call me in the next 48 hours to schedule a closing time. I in turn replied to her email stating how could we be final approved with an expired lock? XXXX XXXX XXXX replied that our lock had been extended. Here lies the problem, I am unclear as to how CitiMortgage can take the liberty to extend our lock without our consent especially since refinance mortgage rates have dropped to 4 % -4.125 % with no points? It seems to me that this would fall under the category of full disclosure to the borrower, which in this case appears to have been violated. In addition, with the " new '' lock expiration date our daily interest charge continues to accumulate, this again is a mortgage loan being serviced by CitiMortgage. 
We have paid our mortgage payments on time, and have been loyal customers of CitiMortgage, but this process has been a nightmare. I have had to put off applying for student loans ( I am in the process of earning my degree ) not to mention the time that has been taken to deal with this, something that could have been avoided had CitiMortgage communicated with us. CitiMortgage has taken advantage of us and we feel violated by their underhanded dealings. We are requesting they refund us our appraisal and credit fees as they did not do provide the services promised.
On saturday XXXX XXXX 2015 I had made a cash and check deposit at an M & T Bank branch location at XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX. The cash deposit was for {$960.00} and XXXX checks. XXXX check for {$150.00} and the other for around {$37.00}. I ca n't recall the exact dollar amount because I do n't have copies of the checks. As the deposit was being processed, the atm shut down and ate the deposit. No receipt was provided. I immediately called the M & T customer number for the bank to report the issue as the branch was closed. I was advised that when the branch opened on Monday morning they would balance the atm and my deposit would be completed. The representative said there was no way for them to make a service call to ( XXXX ) whom services the atm 's if there is an issue. The representative assured me that it would be corrected upon the balance of the atm and there would be no need to worry. She stated that there would be no discrepency. I was advised that a provisional credit would be issued to my account within a few business days. At the end of the call the representative said that they would have a technician service the atm but the would not be able to get out there for a few hours. That contradicted her previous statement. Never the less, I was upset over the situation and in a panic as well. A few days past and I received a provisional credit to my account for {$1000.00} and {$98.00} for the XXXX checks which did not add up to my initial deposit. There may have been a discrepency with the cash amount listed in the dispute due to the fact that I had counted the cash hours beforehand then spent {$40.00} of the {$1000.00} prior to the deposit. I had advised the representative at M & T when making the dispute of this. She advised me that they would issue the credit for the {$1000.00} and if there was an adjustment it would be done the following monday when the teller at the bank balanced the atm. On XXXX XXXX, 2015 I had recieved XXXX letters from M & T. XXXX stating that the {$98.00} provisional credit was determined to be accurate and they closed the dispute. The other letter stated that after a review of my account through investigation, they determined that no error had occurred and the transaction in question was processed corectly. They stated that they would be debiting my account for the {$1000.00} on XXXX XXXX, 2015. 
I have been a long standing customer of M & T and am beyond concerned as to their banking practice and consumer protection capabilities. My assumption is that either a teller at the branch pocketed the money or someone that may have serviced the atm obsconded it. I have advised M & T to pull video footage of myself attempting to make the deposit as well as the teller whom balanced the atm. This is beyond upsetting and frustrating. It will be a financial devistation to me should they debit {$1000.00} out of my account. I am also considering filing a police report and going to the news. Should the bank not rectify this I will seek an attorney to file a civil suit.
I have requested several times for Diversified Consultants to valid the debt they 've listed on my credit report in the amount of {$600.00}. Per the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. The company have not sent me a signed contract with my signature on it. The only documents that was mailed to me was a fraud form from XXXX. By law the company has to validate the debt with the original documents or have the information removed from all reporting credit agencies.
I opened a Santander banking account in XXXX of 2016. At the time of opening there was a {$150.00} incentive to open the account. Since that time, I have called Santander 2 times to determine when the XXXX will be credited. XXXX call I was told there is a 3 month wait to get the credit so I would get it in XXXX. 2nd time I called I was told XXXX. I just called today XXXX and was told I am not eligible to receive the incentive. I wish to log a complaint about Santander 's deceptive business practices.
This is my second complaint. Sallie Mae is ridiculous. 

I spoke to a rep named XXXX who could not reach my account manager. I have never actually spoken to the account manager supposedly dealing with my account. Never, and the last 4 reps tried to contact her. 

XXXX after listening to my questions said that yes I was given incorrect information multiples times regarding my loan and apologized on behalf of his coworkers. 

I was transferred to another rep, I could not catch his name, but we spoke for an hour. 

He offered me a TRMP plan where for 2 years I have a 2 % interest rate and payments are automatically debited from my account. I hated releasing my banking info because knowing them they will pull when they want and act like they haven't, but after 7 months of fighting this is all they offer. My cosigner is long gone, so it is just me and I have no options. 

The rep stated that I MUST pay {$240.00} on the same day, the XXXX, to keep a delinquency report from happening. So I did, leaving me with less than {$40.00} for the next week and a half. I have been eating 1 meal every 3 days because of this. 

Amazingly enough I was notified that my credit was hit by Sallie Mae for missing my payment, 3 days after it went through. 

They are unbelievable liars and scammers. They do not care about the wellbeing of their borrowers and say whatever they can to get you off the phone fastest. 

It has been well over 15 days and they still have not replied to my first complaint.
capital one claims i own XXXX dollars and XXXX dollars on these two accounts i never opened these acounts capital one wont even investigate these for me
WELLS FARGO APPROVED MODIFICATION AND ALLOWED ME TO MAKE TRIAL PERIOD PAYMENTS BUT THAN REFUSED TO SEND ME MODIFICATION DOCUMENTS TO SIGN. ALSO CHARGED ME FOR INSPECTION FOR MODIFICATION. ALSO HIRED LAW FIRM FOR FORECLOSURE. I FILED MOTION FOR MEDIATION THRU XXXX XXXX FLORIDA.
To whom it may concern, Wanted to let you know Bank of America department of regulatory complaints refused to release my original funds following reversal of a fraudulent employment check in my closed account. BOA kept about XXXX of my nonfraudulent personal funds. Have been following up on this with my local state police as well as the police department local to the XXXX in XXXX XXXX, CT where the funds from the fraudulent employment check were deposited. Emailed CFPB previously about this matter. My account number at BOA was XXXX. Their Regulatory Complaints can be reached at XXXX XXXX. You can reach me at XXXX or email XXXXXXXXXXXX. 
Thanks very much, XXXX XXXX XXXX XXXX XXXX XXXX
CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS AND TAX LIEN APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
To Whom it may concern, I am extremely unhappy with the recent finance charges charged to my Barclay card account. I applied to this card via XXXX solicitation. When I applied, I was under the impression I had 18months at 0 % to pay this off. Apparently, I had only 12 months at 0 %. Which was not made clear whatsoever! This is the first card I 've done online statements with and never checked them because I always pay each month on time and thought I had 18 months to pay it. I received no notification via mail, phone or online saying my 0 % was expiring. The only reason I noticed something was wrong was because my account balance was off. I 'm truly disappointed that no one could call or make it easily and visibly apparent my 0 % was up by putting it on the main personal dashboard page and/or in the online payment section. I feel duped and taken advantage of ... .bait and switch for sure! I 'm a good paying customer and will no longer be a customer due to this method of business. While I appreciate the partial refund, I do not believe I owe anything because I was not aware my 0 % was up and believe they want online statements to gain money from unaware customers like myself. I believe I am owed back the difference I 've been forced to pay in interest. They charged me the interest for the entire year because my 0 % was up ... I had money to pay in full but was going to pay monthly because I thought I had 0 % for 18 months. Almost {$200.00} ... Unreal! From what I have found online they have done this to many many customers!! Appalling and criminal!
Navient is my loan servicer. I also have some loans that are serviced by XXXX. Every year, I submit a renewal for my income-based repayment plan using the same forms and tax returns to both servicers. This year, Navient rejected my renewal, because I " chose the wrong option, '' and a representative informed me that I can only submit a renewal for income-based repayment 45 days before the expiration of my plan, and no earlier. She told me that it would take between 15-20 days to process once the renewal is submitted. This leaves me no time to correct any problems with my forms if they take 15-20 days to process my renewal within that 45 day window. I checked my loan document and it states that the first day I can renew is 95 days ( not 45 ) prior to the loan period expiration. The document does not have the date on which the loan period expires. I had the same issue with Navient/XXXX two years ago when I submitted my renewal prior to the 45 ( or 95 ) day window. However, I did not receive an explanation for my rejection, and the loan service operators gave me a different explanation every time I called. They also attempted to put my loan into forbearance although I made it clear that I did not want my loan to be put in forbearance. I wanted them to either process my renewal, or tell me if I am missing information which made it impossible for them to process my renewal. After several heated conversations with the loan service representatives, I was able to speak to a manager who processed my application for income-based renewal.
Today XX/XX/XXXX the Collection Agency known as Thunderbird Collection Specialists, CRS XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ phone XXXX XXXX XXXX called me in a very loud and abusive tone of voice demanding in payment of debt TCS filed in XXXX in my Credit Report. The debt originated from the Landlord failing to comply with the apartment amenities as per Leasing agreement. Several complaints were filed against this Landlord and are found on line. 

I told TCS CRS XXXX that TCS have filed the debt in my Credit Report on that year of XXXX mailing all correspondence to my address. Therefore, CRS decision to demand immediate payment calling me is ILLEGAL and constitutes a desire to harass me at my home.
On or about XXXX XXXX XXXX, TransUnion has reported that I have an alleged {$11.00} unpaid amount owing to XXXX XXXX ( formerly known as XXXX ) -- from XXXX! My account status with XXXX is excellent. My account is current ( I am on the XXXX billing plan ) and has been current since at least XXXX or XXXX. 
This " {$11.00} balance '' has SEVERELY affected my TransUnion credit score : it lowed my score by XXXX points! 
Furthermore, I spent close to XXXX minutes on the phone with XXXX XXXX today, XXXX XXXX XXXX. The agent found NO instances of me owning them anything, even using past addresses and my social security number.
I have opened a XXXX checking account in XXXX 2016 with a promotional code XXXX offering XXXX XXXX XXXX miles when meeting {$1000.00} debit card purchase and process at least XXXX bill payment for two consecutive months. I confirmed when opening an account with a representative from Citibank that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements in XXXX/XXXX/2016, as confirmed via secure message with a Citi representative and was advised miles would be posted. On XXXX/XXXX/16, I have submitted another message to open an investigation to follow up on when XXXX XXXX miles would be posted. I was told that the investigation would take XXXX to 3 business days. It has been more than 7 days and I have yet to hear any response back. I have searched online and found out that there were numerous cases within Citibank not honoring XXXX XXXX miles bonus with opening XXXX checking account. I am being charged $ XXXX/monthly fee in my account and is about to pay another month of fee without any response from Citibank. I do not appreciate their continued to ignore this issue and refusal to award me the points I have earned, all while still charging me a fee for maintaining their XXXX checking account.
I have sent dispute letters to Equifax, XXXX, and XXXX  since XX/XX/18 asking the bureaus to remove derogatory/inaccurate information from my credit report on the following accounts - XXXX XXXX, XXXX, XXXX XXXX, and XXXX. Since XX/XX/18, I have sent letters on XX/XX/18, XX/XX/18, XX/XX/18 to no avail. Per the FCRA, the bureaus have 30-days to respond and I have yet to receive anything. I am requesting that you look into this situation and have it resolved.