WillisBack/dataset-financial-user-claim huggingface dataset:
I rented a car from XXXX XX/XX/2016XXXX did not provide a working rental vehicle and refused to swap out the vehicle in an equitable manner. I have executive elite status with XXXX and complained to the manager onsite and the corporate office. To date I have not received any remedy. I filed a dispute with Citibank and they reversed the dispute stating that they needed me to return a signed copy of the dispute. However I never received a document from Citibank to sign. I want the {$120.00} charge from XXXX reversed for failure to provide a working rental vehicle and failure to honor another vehicle in its place.
I previously complained about Wells Fargo. They stated my issue would be resolved by XX/XX/XXXX. They called onXX/XX/XXXXto say it would not be resolved for 2 plus weeks. They have the information about their practices and their deceptive dealings with customers and they are stalling in a resolution
My refinance was closed on  XXXX   XXXX ,    2017 and CitiMortgage got the ir money back that day. It is now  XXXX   XXXX ,  2017  and I still have not received my escrow impound balance, yet I have received th e Lien of Release. Sure, CitiMortgage wastes n o time to release themselves, but drag their feet in giving back my money! Banks always take their own sweet time in giving out money so as to keep as much money as possible in their own accounts to further their own interests. This is unacceptable! If they can get this  Lien of Release to me, they should also have attached my mone y to the same letter! Furthermore, the telephone number they provided,  XXXX , is some sort of scam as I called as got nothing but recordings to press  XXXX  to get deals on  XXXX ,  XXXX  and other non-CitiMortgage offers. What garbage is this?? I could n't get a hold of anyone to inquire where my refund check is!
Back in XXXX XXXX both my fianc at the time and I decided to split. We were high school sweet hearts and honestly we didnt know much about credit and how to use credit responsibly. My payment history was always on time prior to us splitting up. The problem was that I was always used to having two incomes ( mine and hers ). Transitioning into having one income I was truthfully over my head with utilities, rent, truck payments, medical bills as well as fullfiling credit obligations. I became depressed and ended up having to leave my job. I voiced my problem by which then the representative showed empathy but they couldnt do much else for me. My intentions were to pay my debts as agreed but my only options at that point were to either file bankruptcy or leave my debts unpaid until I could pay them. I now understand what it is to be responsible with credit and paying debts as agreed.
I recently closed my XXXX XXXX XXXX account. Before I paid the final bill ( which I paid well within XXXX XXXX 's demands ), I was sent a letter from the Enhanced Recovery Company dated for XXXX XXXX, 2015 saying my account had been sent to collections and I owed XXXX dollars. I did n't receive this letter until XXXX XXXX due to it being forwarded from my old address. 

I paid my final bill on XXXX XXXX, 2015. Upon calling XXXX XXXX 's customer service, I found that my closed account was in good standing and had not been sent to collections. I believe that the ERC is at fault for attempting collections on me.
I opened a checking account with HSBC and provided all the requested information. They approved and opened my account and I deposited {$2000.00}. I did this in part because of their sign-up promotion : they promised I would receive a {$350.00} sign-up bonus for paying XXXX bills/month from the account for 3 consecutive months within 120 calendar days of account opening. 

I setup auto payments to fulfill the bonus requirements, which started for the first month. However, then I received a physical letter from them that they would be closing the account unless provided with more information. Since I was n't home at the time, I did n't see it, and then I received a note that my account was closed and that I could wire out my {$1900.00} remaining balance or wait to receive a physical check on XXXX/XXXX/16. 

They also blocked my online banking account so that I could not transfer my money out, so I decided to just wait for the check. However, when I called them XXXX/XXXX/16 to inquire about where my money was, they told me that my account was no longer closed after all ( while acknowledging the earlier communications they sent indicating that it was closed ). So no check was mailed and the money was still with HSBC. I tried logging in again and was still blocked, so I had to call back and wait on hold until they gave me access. I also realized that they had " closed '' my account for so long, it would not be possible for me to fulfill their bonus requirements. 

So I decided to close my account because of their repeated efforts to prevent me from accessing my own accounts and funds, thereby also making it impossible for me satisfy their sign-up bonus requirements. However, when I called their customer service on a weekday afternoon during their business hours, they put me on hold for nearly 30 minutes and refused to let me close my account. They finally told me to call back another day because I 'd been on hold for so long they were about to close ( this was on a call to HSBC on XXXX/XXXX/16, with reference # XXXX ). 

HSBC encouraged customers to sign up for a checking account to receive a bonus, blocked access to my account for long enough to ensure the bonus requirements could not be achieved, promised to close the account and return the deposited funds - but then withheld them and reopened the account so that I would unable to access my funds for over two months while also not being able to benefit from their sign-up bonus, and refused to allow me to close my account and withdraw the funds. This was intolerable behavior, and I 'm writing in the hopes that the CFPB can help me get my money back and force HSBC to pay some type of reparations for making their {$350.00} bonus impossible to receive, while holding my money against my wishes. 

Thanks so much for your help.
Hello, This is my second complaint about this company. my first company ID number XXXX when they replied to my first complaint they simply lied through their teeth this is a sham company, please put a stop to their corruption. in my attachments you will find emails requesting that they do not check my credit. in retaliation the same company checked my credit 3 times they claim that i never contacted them before, which is a complete lie. all i am asking is for them to correct what they did wrong.
A subpoena letter was sent to my workplace by a debt collection lawyer in Ohio ( XXXX XXXX XXXX ) regarding a debt accrued by a person with a similar name as me. The subpoena included my name, along with a couple aliases that do not match my name. When my office manager called this law office to see why they were asking for information about me, they gave her MY social security number and told her to fill out paperwork regarding my personal information ( i.e. address and phone number ), but would n't elaborate as to why. As it turns out, they have my social security number linked with a person who owes them money, even though this person is not me, and I have never even been to the state of Ohio. The person they are searching for has a name very similar to mine, but has a different middle name. I looked this person up online ( which took a grand total of 5 minutes ) and found the person they are looking for, as well as a list of places she has lived and where she currently lives. None of these places are even close to the state in which I live. I checked my credit report, and all three of my scores are in the XXXX 's and there are no suspicious accounts opened under my name. Thus, I am assuming that either 1. ) This person stole my social security number and accrued debt using it, but it just has n't shown up on my credit report, or 2. ) These lawyers are just randomly searching for people with my name, and somehow have a way to obtain my social security number. Then they are trying to saddle me with this person 's debt without actually researching who this person is. Either way, I do not owe a penny to these people, and request that they quit harassing me and quit writing subpoenas to my workplace. I have filed an " Identity Theft Affidavit '' with the IRS, as well as an affidavit with the Federal Trade Commission. I have also filed a police report and have submitted my identification. Once the police report is finalized, I would be happy to submit that as well. The amount of time I 've had to waste because this company could n't do a five minute google search, is really ridiculous.A colleague of mine told me to file a complaint with the consumer financial protection bureau as well, in order to get this company off my back. I am requesting that Keith Weiner Law be forced to stop linking me and my social security number with someone who is clearly not me. In my opinion, this company is just taking shots in the dark in order to collect this woman 's debt, and they should be held accountable for trying to saddle some innocent person with someone else 's debt, just so they get paid. 

The contact information for the law firm is : Keith D. Weiner & Associates XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX
I am not sure how I got into a FHA loan, but I did. My current balance is approx. XXXX my house is valued well over a XXXX. I have a rate of 3.25 % and a PMI at {$570.00} a month. I have contacted my bank twice, the last time was XXXX XXXX, XXXX. I asked them when the PMI was to drop off and I told them I loved the 3.25 %, but was tempted to refinance. My XXXX score is above XXXX and I almost always pay extra to the principal. I got a generic response to my PMI removal inquiry on the same day as requested XXXX XXXX, XXXX. Later on XXXX XXXX, XXXX I received a date of XXXX/XXXX/XXXX as to when the PMI would fall off. It has not. Every time I call or attempt to contact the persons who handle the PMI program at the bank I am told to make contact via e-mail. I do this and keep getting the run around. I am at wits end. I will attach the e-mails that I have received.
Credit card fraudly opened up with diffrent address and phone number even though info was different still opened account
My husband and I applied for a mortgage refinance with Quicken Loans in order to remove the private mortgage insurance from our current mortgage. I was upfront with them from the beginning regarding the change in our tax rates and that a county/city tax bill was due to be paid from the escrow very soon, possibly before the day of closing. I asked them to be sure they had the most recent tax values prior to closing and they assured me the settlement company would research that for me. I found the bills posted on the county and city websites so assumed the settlement company would have no problem getting the information from the treasurer 's office directly. The day Quicken called to schedule the closing I noticed they had included the city taxes that had been paid by our current mortgage company a month earlier. I supplied a receipt and they rescheduled they called back a day later to reschedule the closing claiming they had verified the payment. My husband and I reviewed the tax numbers and saw they were in fact higher than the year before as expected so we felt Quicken had done their due diligence and gotten the updated tax bills so we signed the closing documents. Two days later Quicken called and said a special assessment had posted to our account and the taxes were going to be higher and in order to finish the closing Quicken needed an additional {$1100.00}. They claimed the documents had just posted to the county/city tax website, when in fact the documents had been there since XXXX 2014. We still were within the window to cancel the loan under the right to cancel clause, but Quicken said we forfeited our {$500.00} good faith deposit. I would like our {$500.00} return and an investigation into their practices.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all fraud accounts that were open without my permission. 
I spoke with XXXX Equifax and XXXX. But they refuse to remove these accounts out of my name. They keep giving me the run around.I sent a fraud affidavit and they are not removing these accounts.
Advance Financial has automatically debited my account for XXXX payments on another persons account. I helped this person out previously by paying her payment. However, I was never co-signer and I am not responsible for her account. Without my permission they have withdrawn XXXX payments on 1 day for her account. I would like to know if there is anything I can do against this. at this point they are saying they can refund me in 3-5 business days, but in that time i have bills due.
I have tried to resolve this issue through cfpb on XXXX previous occasions and it has not been resolved yet. 
Complaint Numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX requested a letter from me authorizing the Credit Bureaus to remove the Hard Inquiries and she sent XXXX XXXX XXXX XXXX authorization for release to the credit bureaus. but XXXX XXXX XXXX has yet to remove them.
After my graduation, I was notified by XXXX XXXX XXXX for student loans. However, as XXXX takes one of my school student loan ( XXXX XXXX XXXX ), they failed to notice me about the loan. I had zero idea about this loan ( including loan amount, interest rate, loan collector or even repayment method ). On XXXX XXXX, my credit scored reduced by a whopping 55 points that I realized that there is student loan. On XXXX XXXX, I had to call my school financial office to learn about my loan collector. Then, I made a phone call to ask why they do not contact me for my loan. According to them, they sent paper mails to my correct mailing address and the postal office returned the mails. I highly doubt that the address they input is correct. Also, they did not try to send me E-mail notification even though they can easily achieve my school email address. They also did not make a phone call. They representative insisted that they can not do anything about the past due report, so I am desperate to file this complaint.
On XX/XX/2017.I requested a copy of the deed for a timeshare.So one supposedly had award or given to me.I don't know anything about a owning a timeshare.Its not my timeshare.Its not my property even through my name is on the deed.I have spoken to XXXX XXXX XXXX who is the Account manager for this account.I have already disputed the account with them XX/XX/2017.They are telling me I have dispute this again.This is a grave violation of the FCRA and the FDPA.They think this is a jokes.I am requesting that they remove this off my credit reports and send this back to XXXX XXXX XXXX for an investigation of Fraud and Forgery.
A year ago I filed Bankruptcy. All of my debt was discharged trough it in 2015. 

Back in XXXX I checked my credit report to make sure that there was no more debt. I noticed that the reports showed {$0.00} balance on the accounts but that the accounts were still opened.I disputed the status of the accounts and both XXXX and XXXX corrected the status to show as closed but Trans Union did not. 

After receiving the results dated XXXX XXXX from Trans Union, the accounts still showed as open. I then re-disputed the accounts and waited for more results. As of today, my credit monitoring service shows Trans Union still reporting them as open. 

I know that what Trans Union is doing is illegal. They are supposed to investigate the accounts and correct and update them. How can they update an account as open if it is included in bankruptcy and they have the records to show Bankruptcy is filed and all the accounts are included in it? That is either laziness or willful negligence. 

Now that they have had XXXX chances to correct my records and have failed to do so, I am imploring you to look into their practices. If this does not get corrected I will be forced to take more drastic measures as I wo n't allow them to misreport my information.
sent in XXXX certified notarized letter and was ignored I did not authorized any of these inquiry and Experian has not right to update an account that over 10 years old via fcra please remove the following ( 1 ) XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( 2 ) XXXX XXXX XX/XX/XXXX ( 3 ) XXXX XXXX XX/XX/XXXX
Order of garnishment prepared by Kahrs law offices, P A Plantiff - XXXX XXXX XXXX XX/XX/2018 Garnishing wages They did not call/write/email me. 
Began garnishment out of my paychecks without giving notice. Currently taking around {$75.00} each week. A total balance of {$650.00} that I was not made aware of.
After not using my card for almost 3 years, the Global Cash Card company would not activate a replacement card. The operator that was spoken to on XX/XX/2019 at XXXX XXXX Central Time, was looking for a catch phrase as he called it to identify the caller. Some secret catch phrase was never made by me. The company had to make up some type of word. The only thing I made was a PIN code by telephone, not by the internet. Therefore, the customer rep blocked the old card instead of giving me a chance to find it. This action caused a delay in payments of bills, thus making it impossible to make a 52 mile round trip for work to be done starting XX/XX/2019. When calling the number XXXX for customer service, the processor told me that it would take 48 hours to solve the issue. This would be handled on business days only meaning we have an unsolved issue for 6 days due to the fact Friday was XX/XX/XXXX. We have two days on the weekend along with Monday and Tuesday being the XXXX  and the XXXX  meaning by the XXXX of the month this issue may still be unsolved. Global Cash Card refused to make a simple bank to bank transfer of money that did not belong to them although it was going to another account with my name on it. According to them the entire world banking system is on shutdown due to the fact that they blocked my card. Thanks to this company my telephone will be off until Thursday or Friday which will be an entire week. During that time I can not accept jobs through the app services, while other bills are delayed. Unfortunately we have to deal with this company to get the money that we make. If it was my choice I would use another system.
I would like to request a late fee waiver on my credit card account that was assessed in XX/XX/XXXX, a balance liquidation to a zero percent interest rate. On XX/XX/XXXX I contacted Bank of America knowing that I had not have any late payments exceeding 30 days or more and requested a courtesy waiver on my late fee. 
I was required to go on XXXX Medical Leaves of Absence due to complications related to XXXX and the death of my XXXX daughter XXXX. While on leave my income was cut in half. In addition, my ex-spouse lost his job so I am not receiving any child support. 
While I have been the only wage earner I have submitted applications to alleviate our monthly financial obligations : I was granted an Economic Loan Deferment for my Student Loans, In addition, through XXXX, I was able to get free clothing for my children. I also cut coupons to save on groceries. I still have ancillary expenses related to our daughter 's medical and funeral expenses. XXXX XXXX recently approved my home loan mortgage modification but I am stumped that Bank of America is refusing to lower my credit card interest rate to 0 % so I do not go into default where I can satisfy this debt and waive my late fee. I have to debate if putting food on the table takes precedence over paying my credit card since I will never be able to pay this debt off with an interest rate or get further ahead as I have incurred a late fee due to extenuating circumstances due to my pay cycle and running mere days late. If they 're unable to reduce to put my interest rate to zero percent I will be forced to stop paying them so I can keep a roof and food on the table for my children. Obviously, I need my home for the stability my children and a foreclosure would not be beneficial to my community, particularly now that I am making efforts to pay but not under these unfair terms. I do not want my credit card to go into default and need your assistance in any way I can in keeping this account in positive pay. 

I contend that : I can not continue to pay the variable interest rate of 4.9 % without substantial hardship due to the large balance in excess of XXXX. I am making every effort to pay this debt and need your help. 
According to the Credit Card Act Interest Rate Reduction. Section 101 ( c ) of the Credit CARD Act adds Section 148 to TILA. The Section establishes new requirements for changes in interest rates on credit cards under open-end consumer credit plans. Any interest rate increases that have occurred or will occur since XX/XX/XXXX, will be subject to a mandatory " look back '' review at least once every six months, beginning 15 months after enactment. Using a " reasonable methodology, '' creditors will be required to assess the same risk factors used to justify an interest rate increase in determining whether a corresponding decrease in the interest rate is justified. 
Any assistance you can provide would be greatly appreciated. 
Sincerely, XXXX XXXX XXXX XXXX
I would like this agency to open investigation in regards Nationstar Mortgage LLC. this services must show the appropriate change of title in how they acquiring the loan at question Loan # XXXX.
i received a letter from citibank regarding debt protection which i never enrolled in because if i did i would have certainly used it but the link for the refund is not valid and there is no other information to contact them on the letter I would like to file for this refund  XXXX   XXXX
XXXX XXXX XXXX XXXX XXXX  fraudulently had me fill-out a credit application stating that's the only way they legally could sell me a car ( I had declined to fill it out five minutes earlier ) and so your institution illegally accessed my credit via a hard inquiry with XXXX. I had declined XXXX  XXXX XXXX credit and offer to match the financing through XXXX  of 60 months at 2.64 % and XXXX XXXX XXXX XXXX at XXXX XXXX submitted them anyway.