WillisBack/dataset-financial-user-claim huggingface dataset:
I have already submitted a complaint against Green Tree ... they since put me on a repayment program, but now are demanding TWO PAYMENTS OR FORECLOSURE, even though I made the first repayment amount before this demand ... .please please stop these people ...
I applied to refinance my home mortgage with Chase Home Lending. My wife and I have excellent jobs as school teachers, our credit scores are both above XXXX, and our home appraised very well. 
Chase collected a " Good Faith '' application fee of {$500.00} and promised excellent service. 
As the process went on, it became apparent that Chase was holding up the processing of our mortgage because we had received a disaster assistance loan from the Small Business Administration for the recovery from Hurricane XXXX. 
I believe that the Chase underwriters acted in an illegal fashion in their failure to process this loan and that underwriting practices in this case constituted discrimination against us for taking the disaster assistance loan from the Small Business Administration. 
On XXXX, XXXX, 2016, XXXX XXXX of Chase Bank promised to refund my application fee, yet the firm has failed to do so. 
Please investigate the underwriting practices of Chase to see that this bank is not discriminating against survivors of disasters who are otherwise on excellent financial footing. Please instruct this firm to immediately refund the promised application fee. 
Thank you.
On XX/XX/XXXX got my XXXX report stating I have an unpaid dept for {$440.00}. 
I contacted United Consumer XXXX. XXXX XXXX XXXX VA XXXX On XX/XX/XXXX VIA phone disputing the charge because the charge was for my adult daughter I am responsible for her debts. 

I also sent them a certified letter disputing the claim which they received on XX/XX/XXXX. 
In the letter I requested any information stating i am responsible for my daughters medical bills. 

As of this complaint I have not heard from United Consumer.
Experian investigation into XXXX  XXXX bank account. I paid This account in full and they have removed them from my other credit bureaus. Experian does not update the credit report with accuracy or investigates correctly.
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my Chexsystems report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of XXXX XXXX XXXX Date : XX/XX/2018
Dealing with a mortgage servicer with a loan modfication that was approved, however, at a much higher monthly payment then the original loan. Due to severe hardship with hurricane XXXX and losing employment, put fourth application for loan modification, which the servicer took a year to process almost to the date, and the new loan is setting us up for failure.
I opened an account with BMO Harris on XX/XX/2017. I opened the account online, and used a code " XXXX '' to earn a {$200.00} account opening bonus. The account was opened with seemingly no issues, and even issued me my account number. I did all the activities I was supposed to do to qualify for the account bonus. I called a few months later to find out why i have not yet gotten the bonus, and a rep told me to wait up to 6 months. I did, and called back. This time, I was told I don't qualify, because I'm not in their retail footprint. 

If I'm not qualified, then why did the system accept my bonus code, and issue me an account number? Where on their website did the company state that this offer and code is for consumers within their retail footprint, and how is their retail footprint defined? If I put in a code that I don't qualify for a deal for on XXXX or any other website, the code rejects - in this case, my zip code should have alerted BMO, and the code should not have been accepted, nor the account opened under the pretense that I will be getting a bonus. The fact remains that the code went through, and the account was opened. This is a systemic failure on the part of BMO Harris ' IT department, and is a bait and switch tactic to get people to open accounts they don't qualify for. 

I am demanding that BMO Harris honor their offer and credit my account the {$200.00} bonus. I have called numerous times, and the various individuals I speak to, most recently a XXXX in the online banking call center, refuse to escalate this matter, and furthermore refusing to provide me the number to the executive office to formally complain to someone that actually cares. 

I intend to further file a formal complaint with the CFPB for abusive advertising practices, and non-disclosure of terms when opening an account online for promos.
CitiCards is not Protecting Consumers from FraudAfter exhausting all avenues with Citi and spending a ridiculous amount of my time, I am turning to CFPB to file a formal complaint against Citi for failing to protect their consumers from fraudulent and unauthorized charges to consumer credit cards. 

First, I have maintained a long-term FICO credit rating above XXXX, so I am well respected among the credit and banking industries and this is not a claim without merit. 

Secondly, I have had a CitiCard fraud-proof credit card for more than 15 years in good standing. By fraud-proof, I mean this card is supposed to be guaranteed against fraudulent and unauthorized charges. It has no magnetic strip on the back, no raised account number or letters on the front of the card, and I only use it for internet type purchases. 

History : The XXXX Report or ( XXXX XXXX or other names they go by ) fraudulently and without authorization charged my credit card number they had on file since last year for {$490.00} on XXXX/XXXX/15. 
CitiCards sent me an alert email on XXXX letting me know a large charge had just been placed. 
I contacted XXXX the very same day, XXXX/XXXX/15, asking them to remove the unauthorized charge. 
On XXXX/XXXX/15, XXXX sent an email refusing to remove the charge. 
Since then, XXXX has refused to answer phone numbers or respond to numerous email requests. 

Complaint:1. CitiCards handled this claim as a dispute vs. and unauthorized or fraudulent charge. 
2. CitiCards did not honor my request to remove the unauthorized charge and the Citi investigator incorrectly claimed there were conflicting statements, which means they either did not spend the time to read the responses in their entirety, did not feel it was worth their time, or they just misinterpreted them. 
3. There is no way to counter the Citi investigator 's response as Citi 's first level call center personnel can not acknowledge the investigator made a mistake or did not perform due-diligence in resolving this matter. They claimed it was an irreversible decision. 
4. CitiCards did not protect me from the either fraudulent or unauthorized chare on my account.
I was not informed by my jewelry store that the Wells Fargo financial who offered one year free interest would whack me with a {$440.00} interest bill a month after the year ended. I was under the assumption this was one year free interest. 

I tried working it out with the company to pay the balance off in full for forgiveness and they refuse. I was not notified close to the year end that the financing would start. I was blindsided. I have a XXXX husband due to an accident that was n't his fault and now I am about to lose my wedding band over this fiasco.
In XXXX 2016, I was prompted to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. XXXX Citi ThankYou points equals {$400.00} in gift cards as stated in the terms and conditions I received when opening this account. 
After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 
On XXXX XXXX, 2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. On XXXX XXXX, 2016, I did not receive my bonus points as promised. 
On XXXX XXXX, 2016, I initiated an online chat via the Citibank website with XXXX and explained that I did not receive my points. XXXX said I should have already received my points. An internal investigation was opened. Case number XXXX. 
On XXXX XXXX, 2016, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a ThankYou Points promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, 2016, I appealed this denial, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 
On XXXX XXXX, 2016, I spoke with XXXX at a Citi call center and she informed me that the offer in question requires the original bonus mail insert, which would have been sent out 6-8 months ago. 
It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. Since I disposed of this mailer after opening my account, XXXX said that her options were exhausted. 
On XXXX XXXX, 2016, My appeal was denied. I appealed again. 
On XXXX XXXX, 2016, XXXX at the Citigold customer service department acknowledged my appeals and attempted to submit my case to the Escalations Unit. She apologized for my experiences and said that many other clients are in the same situation. 
XXXX explained that she was unable to do anything for me other than open an investigation, which was done several times without a positive outcome for me. XXXX promised to keep my contact information and contact me if anything changes. Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 
Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
Ive Sent several letters via fax and mail and also spoken with reps regarding a debit collector that they company keeps reporting onto my credit report ive sent attached documentation and also proof that the account ( XXXX XXXX XXXX ) is not bonded in the state of Texas and reporting the un bonded account is against the texas law The company removed 2 of the 3 account when ask why was the 3rd account still listed the rep couldn't give me a reason I sent another letter via fax and i will attach photo proof with complaint I have not received a response and the account is still listed
We were having trouble with the payments and the loan was in my moms name and she is under   XXXX   XXXX    which I did n't have to tell them because we found someone to buy the house and let us stay here as long as my mom is living, I wanted to keep the house but knew Ocwen would n't work with me on it. We had to do a modification a few years back and they said we did n't qualify for the presidents program. They wanted to know anything and everything and still did n't lower the payments any. Then they had to take out insurance because I could n't get any, because of a fire. They raised it up another {$140.00}. But when we started the closing they did n't want to give us the pay off quote, they kept changing it day by day, and did n't want to give the one handling the sale any help  or any information. They have been a headache every sinc e we had to refinance with them. I have been cused by some of the hounded and heassed by them at different times. They are one company I hope to never have any more dealing with and when we had to refinance that gave us a ballon payment of {$35000.00} in 15 years.
Bank of America continues to deny me the ability to open an account after I have reported fraud on an old account as well as including it in a bankruptcy because they refused to honor the identity theft police report.
On  XXXX   XXXX     2017  I received a letter from the IRS instructing  XXXX   County   Circuit Courts  and the Credit bureaus to remove a paid lien entry on my credit reports, I sent them both a certified letter showing this, They have failed to comply and remove this entry from my credit reports as they are unfair.
the chase bank took out a foreclosure and never told me or their attorney until i called, the amount to reinstate is XXXX by the XX/XX/XXXX and i can not get a loan, i want to keep my home and get the loan redone, also the loan of XXXX is the loan and the value of the house is XXXX and this is illegal, plus they gave bad info to someone who had no permission, i want this foreclosure stoped
I recently finished paying off a federal student loan that was serviced by ACS-Education. I anticipated that I would receive a closing statement ( either electronically or through the mail ) stating that I had fulfilled my obligation with this servicer. I did not receive such a notice from ACS, nor did I receive a response to the inquiry I submitted to ACS in regards to this question.
In XX/XX/2017 XXXX XXXX XXXX ( XXXX ) contacted me about my parent/ child student loan, at the time my balance was XXXX, which was thru XXXX XXXX. I was paying them on time each month never had a problem with them. XXXX told me they could refinance my loan, my overall payments would be 3 years at XXXX per month for a total of XXXX and the rest would be forgiven. In XXXX. I received paper work from XXXX, who informed me that they had taken over my loan, and they said my first payment was due in two weeks. and my payments would start at XXXX and rise to XXXX. I was so hurt. I cant believe people are taking advantage of the public like this. Something needs to be done. Help us.
XX/XX/2018 : I entered a debt modification program through XXXX XXXX XXXX of XXXX, AZ. 

XX/XX/2018 : I made my monthly car payment of XXXX to Capital One Auto Finance. 
. 
XX/XX/2018 : Capital One Auto Finance debited XXXX from my bank accout as agreed. 

XX/XX/2018 : Capital One Auto Finance reversed the payment. 

XX/XX/2018 : Capital One Auto Finance sends an email advising my payment was late, warning me of extra fees ans charges. 

XX/XX/2018 : I again make a payment of XXXX to Capital One Auto Finance. 

XX/XX/2018 : Capital One Auto Finance again reverses the payment. 

XX/XX/2018 : I fax Capital One Auto Finance a cease and desist letter, providing evidence that my payment was made on time and then rejected for what I assume is my association with XXXX XXXX XXXX. I include a copy of CFPB XXXX XXXX and advise them they are in violation of the XXXX - XXXX XXXX per the CFPB Bulletin. 

XX/XX/2018 : Capital One Auto Finance again debits my bank account as agreed for XXXX XX/XX/2018 : Capital One Auto Finance again reverses the payment. 

XX/XX/2018 : I've made a payment XXXX, making my account current with Capital One Auto Finance, a day before my XXXX monthly payment is due.
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX and again XX/XX/XXXX with Kohl's/Cap One that she did not authorize. A formal dispute was provided to XXXX 's concerning these inquiries however Kohl 's has not responded to my client which is a violation of the FCRA.
On XXXX/XXXX/2016 I mailed out a Qualified Written Request Via USPS Certified Mail to Bank of America home loan services XXXX XXXX XXXX XXXX, Florida. In my letter which is part of the real estate settlement procedures act, 12 u.s.c. 2605 ( e ) I stated that I am disputing the identity of a true secured lender and the the authority of Bank of America to collect on behalf of the alleged lender/creditor. I requested proof under my rights that bank of america has been contracted to work on behalf of the alleged lender. Pursuant to " subtitle E Mortgage servicing '' of the Dodd-Frank wall street reform and consumer protection act and pursuant to 12 u.s.c. section 2605 ( e ) ( 1 ) ( A ) and Reg. X section 3500.21 ( e ) ( 1 ) to provide me with 1 ) full name, address, and telephone number of the trustee 2 ) The MERS Milestone Report 3 ) A Complete itemized statement of any and all fees or charges against this account 4 ) A Full Certified " True and Accurate '' Copy of the original promissory note and security instrument and all assignments of the security instrument.. 
Along with some other request ALL of which Bank of America has failed to send me. They responded on XXXX with a letter asking me to fill out an " Identity Theft Claim '' I have no idea why I would fill out this type of form it has nothing to do with what I had requested from them. So they have failed to follow the law.
In XX/XX/XXXX, Sallie Mae provided a letter retracting a billing error made on their behalf. The letter is attached. I have contacted Sallie Mae on numerous occasions with the attached document, requesting that this alleged delinquency ( made in XX/XX/XXXX) be removed from my credit report. Despite these attempts, a negative report still exists on my XXXX credit summary. Please have this delinquency expeditiously removed from my XXXX, XXXX, and XXXX credit report. 

Thank you, XXXX XXXX XXXX
Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to XXXX and Trans Union-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.
Wells Fargo sent 4 loan modification packages. I signed the first one on XXXX XXXX, 2015. 
It stated there was a HUD partial claim. There were 3 other packages sent XXXX XXXX, XXXX XXXX, XXXX XXXX. No partial claim was available. I am a XXXX veteran. The equity in the home went down from XXXX to XXXX. The last payment of principal and interest was XXXX. The loan modification put interest and escrow on top which is XXXX. The home is structurally unsafe and was ransacked/vandalized. The home is not livable. I put a claim in to the insurance company because there was prior damage. And they stated it was below {$1000.00} deductible. XXXX XXXX the loan preservation specialist at Wells Fargo did not determine it was fair market value. I calculated the NPVand it went down to XXXX with 480 month term of XXXX. I keep getting the run around from Wells Fargo. This is a VA guaranteed home loan. I contacted the VA Virginia XXXX Loan center and they said fair market value. They said I would decline the loan modification and send 'Deed in lieu of foreclosure '' to Wells Fargo and Wells Fargo would send it to the VA loan center to sell the house.
GET OFF THE  XXXX  ACCOUNT THIS DEBT IS ASSUMED. CEASE COLLECTIONS AND GET OFF CREDIT REPORTS.
On XX/XX/2018 I inquired about a vehicle from XXXX XXXX, XXXX XXXX. I told the sales person XXXX that my credit union was giving me an 8.49 interest rate " Oh I can do better '' said. The car I wanted at first all the sudden became " unavailable ''. I don't know why, so by the time I left they had given me a XXXX month payment at a really great rate. I returned on the XXXX to pick up the car EVERYTHING HAD CHANGED. I WAS LIED TO AND MISLEAD. I wanted my car registered in XXXX where I primarily reside, I was told they could not sell me a car unless I surrendered my XXXX DL and registered the car at the address I was residing in XXXX and plus it would cost me XXXX more to register in XXXX. I LATER FOUND OUT FROM THE STATE OF XXXX AND XXXX ALL THAT WAS A LIE. Since I have complained to numerous managers there, they are refusing to fix a driving mode change and another button on the console they have just left me hanging, I have only had the care barely a month, I told them about this timely and I purchased an additional warranty. The got my title and registration WRONG AND REFUSE TO CHANGE IT THOUGH THEY CAN SO I HAVE TO CANCEL MY VACATION AND DRIVE TO XXXX AND RESOLVE WHEN THEY CAN DO IT AND REFUSE. I DON'T SEE THEM TREATING ANY OF THE CAUCASIAN CUSTOMERS THEY WAY I HAVE SEEN THEM TREAT MYSELF AND OTHER XXXX AMERICANS. They did not fill out my paperwork for any tags and registration, A XXXX XXXX from Sales department literally chased me down in the community on Sat. XX/XX/18 to have me sign papers for my tags, title registration and I ask then to have it for XXXX he said I had to sign those FIRST for him to resolve anything I did, he was to get back with me on XX/XX/18 he did not. These ppl have lied so much I can't keep up now I am stuck with not being able to get tags because the paperwork has not been done. They charged me XXXX for this service to make sure done timely and right, AND IT WAS NOT, I WANT THAT MONEY BACK CAUSE I GOT PAY DRIVE TO XXXX CAUSE THE CAR HAS TO BE THERE PHYSICALLY TO RESOLVE. I AM XXXX ON XXXX XXXX AND THIS IS A GRAVE HARDSHIP FOR ME. THEY ARE JUST DOING WHAT EVER WITH NO PROCESS AND NO COMPETENCY AND THIS HAS GOT TO BE A PROBLEM NOT REGISTERING MY CAR PROPERLY. IVE BEEN DRIVING FOR OVER A MONTH AND DON'T LEGALLY OWN THE CAR FOR REAL, THEY GOT THE MONEY AND I AM STUCK. I left messages for the owner of XXXX XXXX a XXXX XXXX, General Sales Mgr. XXXX XXXX and Asst Service Manager XXXX XXXX. I have not hear back from anyone as we speak and IM TIRED OF CALLING THESE LIARS!!!!. I SHOULD BE ILLEGAL FOR THEM TO PRACTICE THIS WAY. I DON'T BELIEVE THEY DO THEIR CAUCASIAN CUSTOMERS THIS WAY.