WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018 I received a promotion by email from Commerce Bank to apply for a credit card with 0 % interests for 16 months and 0 % interests on balance transfers with NO balance transfer fees. The maximum credit limit offered was for {$15000.00}. On the application I asked for a balance transfer from a HELOC in the amount of {$25000.00}. My next communication from the bank was that I was approved for {$15000.00} and they would send me a card soon. When I received the card and documentation I was charged a 5 %   balance transfer fee of {$700.00} dollars and the interest fee time frame was changed to 12 months. I called the card company and tried to work with a local branch to get the fee waived and I offered to pay off the balance for a return of the fee. All were rejected. 

It is my contention that the card I singed up for and the terms and conditions I singed are not the same as what was provided. I asked for a copy of my original application so I could verify what I signed up for and was told it could not be provided because I applied online. 

All I want is to cancel the whole transaction and get my 5 % ( {$700.00} ) fee back.
My husband and I applied for a VA loan with Quicken Loans in XXXX, 2015. In good faith, we paid our {$400.00} deposit to be used towards expenses closing this loan. Our appraisal was completed and our home value returned at $ XXXX. Due to unforeseen circumstances, we were unable to move forward with the VA loan and decided to switch to a conventional loan. I was told repeatedly that this would not be an issue based on our good credit ( an excellent score of XXXX ) and income ; and even received a good faith estimate that we would need approximately $ 3k to close the loan. Suddenly, we were advised that a new appraisal would be needed and that one was returned at only $ XXXX, which meant that we would need over $ 18k out of our pocket to close the same loan. To add injury to insult, that reduction in value was after we had just spent $ XXXX in paint, new carpet, and tile work in the house, and the market value in the area has increased based on all realtor websites. I am not sure how one persons opinion ( which is what an appraisal is ) can drop the value of our home by $ XXXX. Quicken refused to use the XXXX appraisal as they said it was a VA appraisal and now we have a conventional application - how is it fair that the same Veteran lives in this house and because we ca n't get the VA loan, now our home is worth less and we are being penalized by being asked to come up with another $ XXXX in cash to close our loan? That sounds like discrimination if I have ever heard it!. This saga has dragged on for over 3 months - and now we are unable to move forward with our refinance due to the undue burden Quicken has placed on us. I have repeatedly asked Quicken to reconsider use of the original appraisal - and they refused. Not getting the VA loan just makes us less of a customer to them. I also asked then to have our {$400.00} good faith deposit returned as we did everything we were asked to do and spent day after day, hour after hour working with them ... calling them ... .having to follow up on them - what horrible customer service! Again the refused as clearly I am not a customer who can make them enough money to want to move forward. This has been the WORST customer experience we have ever had and I hope that no one else has to deal with the same level of incompetence that we have experienced with Quicken Loans!
1. ) Despite repeated requests from me Capital One has been very devious about not sending a statement when I have a balance due. They send it regularly when I do not have a balance due, but somehow they either do n't send XXXX or it will be late when there IS a balance due. In short, it 's up to me to watch them carefully to make sure I do n't incur any late fees. 

2. ) The due dates for payments change from time to time with no clear explanation as to why when I call. 
3. ) When I 've paid off my card in the past they will frequently try to tack on an extra charge unless I call and complain or send an email. 

No, I can not offer any proof ( statements, etc. ), but I think the cfpb should be aware that Capital One is only playing by the rules when challenged. I do n't use my credit card very often and this is the reason why. Capital One is not, not, not trustworthy. 

Thank you. 

XXXX XXXX
I deposited my paycheck from my new job at a Chase ATM on a Friday XXXX/XXXX/15 before bank opening. The receipt said it would be available on Tuesday XXXX/XXXX/15 XXXX days. 
On the morning of Tuesday XXXX/XXXX/15, the hold was lifted, but I received another email stating there is a new hold by the fraud department that will be in place until XXXX/XXXX/15 ( XXXX days, XXXX days from the date of deposit ). 
I called and the agent said the issuing bank has a policy of not verifying checks over the phone. 
I talked to my boss, she said the check cleared from the corporate account on Monday XXXX/XXXX/15. 
I called an agent again, she told me that the only way to get my funds released was to:1 ) Take my boss with me to a Chase branch2 ) Both of us show XXXX forms of ID3 ) My boss show the teller her access to online banking at the issuing bank with the cleared check. 

I recently graduated from an XXXX program. I have been a single mom on XXXX most of my life. I am not making too much money for my XXXX and XXXX benefits and I will be out of food, unable to pay my bills, and unable to get to work if I can not get these funds sooner. 

Please help.
Attempted to close USAA Federal Savings Bank XXXX account on XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX. Both times USAA refused unless I allowed it to send a coded text to a cell phone. I do not take such texts. USAA refuses to close the account no matter how much it verifies my identity. After hanging up the phone today, USAA then changed the security codes on my account, making it very difficult to log in to the account as retaliation, and removed the ability to log on with a pin, which I had up until that phone call ended.
I have a state tax lien against me which I paid against me on my credit report and first I started by talking to the irs they said they could n't help but would recommend it dropped because the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on IR- XXXX, XXXX XXXX, 2011 and second I visited XXXX XXXX clerk in XXXX ny where the lien was issued and she was going to drop it but the report was efiled so she could n't and just told me to dispute it and I should be fine ... now if the irs and XXXX XXXX clerk are willing to drop this idk why experian has an issue with it.. I have just started trying to fix my credit and I have a kid on the way so I 'm trying to better myself in everyway for that so please any help on this will go a long way.. I have attached the efiled document and will be willing to give any info required
XX/XX/2015 I PURCHASED XXXX PIECES OF GRAIN LEATHER FURNITURE FROM CONN'S APPLIANCES dba CONN'S WHICH WAS DELIVERED XX/XX/2015 BUT IT WAS BLENDED LEATHER AND ALSO I WAS BILLED $XXXX FOR PERSONAL PROPERTY INSURANCE IN THE INSTALLMENT CONTRACT. I GAVE TO CONN'S COPIES OF MY HOMEOWNER INSURANCE POLICY DECLARATION PAGE PROVIDING $XXXX PERSONAL PROPERTY COVERAGE. I CONTACTED CONN'S AND INFORMED THEM OF THE DIFFERENCE IN THE FURNITURE QUALITY AND WAS TOLD BY THEM THERE ARE NO RETURNS OR EXCHANGES. THERE ARE NO STATEMENTS IN THEIR CONTRACT, SALES FLYERS, STORE FRONT OR WEB SITE TO THIS EFFECT. THEY ARE USING THE OLD "BAIT AND SWITCH" SCAM TO STEAL $XXXX FOR INFERIOR FURNITURE. THE ITEM HAD A SALES TAG ATTACHED DECLARING GRAIN LEATHER THAT WAS SWITCHED BY CONN'S TO BLENDED LEATHER
I got a loan with americash loans in XXXX XXXX illinois for {$1000.00} it was slow at work and I was unable to pay on time so they began to garnish my wages I sent in a written request to cancel the wage assignment. An employee at the store called my employer and proceeded to tell them that I had not made any payments on my account and that I could not by law cancel the wage assignment which is what my employer said to me. They then proceeded to deduct {$1200.00} from my wages until I finally went and filed a chapter XXXX bankruptcy. The bankruptcy was dismissed and now I find out that this company is suing me for {$1600.00} not only is this ridiculous but I later found out that it is not illegal to stop a wage assignment so this company just forcefully took the {$1200.00} they got from me already.
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX Department Stores ( applied via XXXX XXXX Department store ). This account was opened on XXXX XXXX, XXXX - and currently has a balance of {$700.00}. In early XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX on XXXX/XXXX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.
This is in regards to Citizens One, and the XXXX which they service. On XX/XX/2016 I purchased an XXXX online for pickup in store, and when I got there, an issue with XXXX 's systems required us to cancel that order ( and the associated loan ) and redo the order ( resulting in a XXXX loan ). The pending charges for sales tax and first month 's payment for the first loan were never settled, and fell off of my credit card as expected. However, a month later Citizens One double charged my credit card. I contacted them and they claimed the first loan was still open, and told me they could n't do anything. I had to work with XXXX to get the correct information sent to Citizens One to close out the loan and refund my money. I received a confirmation email from Citizens One on XX/XX/2016 which stated " Dear XXXX XXXX, We were recently notified that you returned your XXXX order. Your loan number XXXX is now paid in full and has been closed. 
Any payments you have made to your loan will be refunded to the credit card or checking/savings account you have set up for your recurring monthly payments. Please allow XXXX business days for these payments to be returned. '' Since it 's been XXXX business days I called them, and they 're now telling me that it 's going to be up to XXXX business days before they refund the money. I complained, since I have a commitment in writing, and XXXX days is a ridiculous amount of time to process a credit card charge reversal. They told me that it was a generic email that gets sent out to everyone that closes the loan early. They could not/would not answer why it says XXXX business days if they really mean XXXX business days. After asking to be transferred to someone that could do something about it, she transferred me to XXXX, who said he 'd put in a request to expedite the refund. But they would not give me a reference number, send me an email confirming this, or do anything that will provide me with evidence of the conversation.
On XXXX XXXX 2016, I visited Chase Bank to make a withdrawal of {$500.00} from my checking account, when I got into the bank, the ATM machine I used was reading out of service. I was elated when it became available for use as I was at the top of the line and the first customer to use it. I keyed in {$500.00} and requested large bills, I received XXXX 's. I again keyed in {$500.00} and requested large bills and again I received XXXX 's. I them proceeded to keyed in {$400.00} to which I received a receipt which indicated that my transaction was denied. 
I then checked my account and realized I was debited twice for {$500.00}, once for {$400.00} and also credited for {$400.00}. ( the {$400.00} transactions were subsequently washed ). I made a call to Chase Bank about the ATM transactions and to report and file a claim, I was told by the representative that I will be credited {$800.00} in XXXX hrs. I made a call on Saturday XXXX XXXX because the refund was not processed, I was told that it takes XXXX hrs however because it is a holiday weekend the proceeds with be posted to my account on the next business day which is Tuesday XXXX XXXX. On the XXXX of XXXX my account was credited for {$400.00} only. I made a call to Chase Bank about the other {$400.00} which should have also be credited and was told that the ATM is showing that the cash was dispensed and this is the final look, if want to take it further I can file a police report. After feeling so dejected and out of pocket as I had no money to finance my monthly expenses. I went to visit the branch to see if there was anything that can be done for me, I was told that just what I did is exactly the same procedure they must follow, as the branch do not service the ATM, it is done by their back office personnel. On XXXX XXXX the amount of {$400.00} previously credited to my account was reversed. I made a call on XXXX XXXX in regards to the reversal and was told that my claim has been closed however it will be reopened this time as per my request in order that their personnel can investigate, the investigation will take 3-5 days. I made a call XXXX XXXX to inquire as to the status of my claim and was told my claim has been closed there is nothing more that Chase Bank can do for me. Please note that I have been a customer of this Bank for 8 years and never encountered a problem such as this. Now that I have I am treated with scant respect. I need Chase Bank to return my money I am requesting a full refund of {$800.00} to my account. As a result of this error I was placed in an uncomfortable position of borrowing money from my friends in order to finance my monthly obligations.
My student loan company, ACS Education Services, has given me a choice : I can receive monthly statements about my account, or I can enroll in an auto-pay program that results in a 0.25 % interest rate reduction. Obviously I want to reduce my loans as much as possible, and auto-pay is a great way to avoid missing a payment. So I took that option. 

However, without a monthly statement, I can not easily see how I am doing on this loan from month to month. For instance, I can not tell exactly how much I am paying in interest each month. There are " informational '' webpages I can access, which seem to provide a snapshot of the loan at that particular moment, but those webpages do not provide a monthly status report the way a statement does. Nor can I keep records of my ACS statements, as I do with my loans from another servicer. 

My question is : Is it appropriate and legal for ACS to refuse to provide monthly statements to borrowers unless we agree to forego the lower interest rates and auto-pay? Should n't they be required to provide monthly statements to everyone? It does not seem fair to force borrowers to effectively pay more, and lose auto-pay, just to have a monthly statement.
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). We have been advised that the loan is no being approved due to the income being submitted showing the ability to afford. the client 's income is XXXX Lender has failed to consider the change of circumstances and the clients now ability to pay. The current payment of the loan is roughly XXXX the expenses are XXXX Due to the client 's change of circumstance and dependents. We feel the review was not handled properly and not all factors were considered.
On XXXX I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
cra and hippa violation inaccurate information sent the po report to them with the case number with XXXX XXXX  equifax and XXXX taking more than 30 days to resolve my issue
I submitted a claim previously and I am not satisfied with the effort put forth by any of the parties including the CFPB to resolve it. Look here : According to the FAQ on SPS ' website ( XXXX XXXX XXXX ), they state the following : What happens if I send you more than the amount due for the current months payment? 
The answer to this question depends on whether you are current on your loan or past due. 
If you are current on your loan, and you pay us more than this month 's payment, the excess amount is used to reduce any fee balances first, then the principal balance of your loan. Any time additional money is applied to your principal balance, your loan may be paid off faster, assuming you continue to make your payments on time. 
If your monthly statement shows Past Due Payments, and you pay us more than this month 's payment, the excess amount is held in an unapplied balance until the balance reaches the amount of a regularly scheduled principal and interest payment. We then take the amount out of unapplied balance and apply it as a monthly principal and interest payment. 

please call attention to the 1st bullet point. It CLEARLY states when one pays MORE ( more than the required payment, it goes to the PRINCIPAL balance. THis is CLEAR as a blue sky. I do not understand why people do not do what they say they are going to do. ANd then the CFPB just turns and does squat? What the heck is that? Donald Trump should FIRE you! Fix this or I will XXXX the XXXX and complain about this garbage!
I have many inquiries on my credit report from XXXX, Equifax, and XXXX. I already submitted a dispute with XXXX. 

I have a fraudulent alert on my credit report that the only time anyone can run my credit it is someone calls me over the phone to verify it is me doing the inquiry or that I am present at the store with a phone ID and representative calls in to their credit office. All my credit cards that I have acquired have been done with that process. I have asked requested disputes prior and they have been ignored by these XXXX major credit bureaus. They have asked for proof, the proof is on their report with a fraudulent report statement in there on site when you pull my report.
TransUnion Credit Reporting agency is preventing me from viewing and challenging erroneous information on my personal credit report online. I do not want a paper copy, but to be able to do this electronically. They are clearly reporting negative information that is on my reort that was easily corrected with both XXXX and XXXX.
My mother XXXX XXXX in XX/XX/XXXX, prior to that she was ill from one of those new pharmaceuticals. I did not have power of attorney to pay the mortgage, so it got behind. When I tried to make payments after she XXXX, they still had the mortgage in her name and SOCIAL SECURITY NUMBER, so I coul n't access the account to try and make payments. The company then foreclosed on XX/XX/XXXX. We have been issued an eviction notice, but we 're unsure of when that will be carried out. I have contacted legal aid to get a temporary restraining order on the eviction. The collection agency has been unwilling to help, and I have tried to refinance his loan through HARP. That is along process, though.
I had applied for a loan with Cash Time Title Loans on XXXX XXXX, 2016 and this report came from a third party source and I have been identified as a victim of identity theft with a FTC Report and No. and also a Police Report. My credit report is suppose to be on a 7 year credit freeze however, XXXX XXXX went through a third party. This Credit Reporting Agency named LexisNexis Risk Solution Bureau LLC has listed me as : XXXX - Lien/Judgment record found, XXXX of sub-prime credit services solicited and XXXX XXXX Multiple SSNs reported with applicant. When I tried calling this number in XXXX GA no one would answer and it would just ring, Therefore I was told credit was offered at less than favorable terms. No one could and would give me any explanation. I feel this is an illegal and unethical fraudulent company that payday loans used on their clients and it 's unfair and needs to be investigated.
The lender did not send us the certificate of occupancy but instead sent someone to our residence to verify occupancy, not once, but twice!!! Then we received the form in the mail and they claimed they had sent it prior. They harrass us!! We had company! It was embarrassing! I think they want our home or something! They wo n't send us the form so my wife can speak on my behalf because she understands all of this fair debt and banking but I do not. They insist they have to talk to me. I am the borrower and she is the non borrowing spouse but if I say they can speak to her, why ca n't they. Why can they just randomly send someone to our house? This is our home!