WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a new Citibank checking account on XX/XX/XXXX with a promotion for a bonus of {$400.00} that was associated with promo code # XXXX. The promotion eligibility requirements included an opening deposit of {$15000.00} to be deposited in the account by XX/XX/XXXX. The {$15000.00} qualifying deposit requirement was to remain in the account for 30 consecutive days and the bonus {$400.00} would be deposited within 90 calendar days to the account in the form of a XXXX Interest credit. On XX/XX/XXXX I contacted citi by their listed banking account customer service phone number number XXXX and opened a Citibank Service Request # XXXX to investigate why the account had not been credited with the {$400.00}. I was toldl I would receive a reply within 24-48 hours. After 72 hours, I made contact with representative XXXX XXXX on XX/XX/XXXX and followed up with XXXX XXXX regarding Citibank Service Request # XXXX. XXXX XXXX explained that I would receive further information regarding the account bonus credit. On XX/XX/XXXX I called Citibank at XX/XX/XXXX and spoke with an agent by the name of XXXX and her supervisor that said the back office at the bank was overwhelmed with other customers requests and that I would not receive word for 60 days. This action is very innapropriate as Citibank has now taken over 120 days to pay a bonus that I am entitled to and there is nothing else that I have been able to accomplish in reaching out to various representatives through the online citi portal secure chat via online banking or by calling representatives and supervisors at the citi banking account customer service number listed earlier in this message. I believe Citi is acting in an unfair and unethical manner in violating the terms of their promotion offer.
I deposited a {$58000.00} check to my business account on XX/XX/2018 at Santander Bank in XXXX XXXX on XXXX  XXXX of New Jersey. The teller did not provide me with any funds availability note in written or verbally. I stopped by again on XX/XX/2018 to get help in vain.
I submitted my mortgage payment to Quicken Loans on XXXX/XXXX/2016. 
The payment was never withdrawn from my account ending in XXXX. 
When I called Quicken Loans to inquire why that was the case, I was told that Quicken Loans had XXXX similar checking account accounts on file for me. 
I was assured that the incorrect account would be removed, and that my payment would have be redeposited, without affecting my credit because I had paid before being 30 days over due. 
I have called Quicken Loans, but I have only received empty promises that someone would call me back, and that everything will be taken care of. 
No one has called me back, and Quicken loans has not withdrawn any payment from my account, but instead, had referred me to multiple credit bureaus indicating that I am either 60, or 31-60 days late when this is not the case. 
Quicken Loans has not provided me with a good level of service ever since I became a customer. 
Furthermore, even though my insurance was renewed with a effective date of XX/XX/2016, Quicken Loans never made my premium payment, and had not done so until I called to complain on XX/XX/2016. Quicken Loans did not make a payment in my behalf until XX/XX/2016. 

Quicken Loans have never treated me well. 
The following explanation, and my current mistreatment are the basis for my rationale to finally file a complaint with the CFPB : When I applied for to refinance my mortgage, Quicken Loans accepted an appraisal that was based on houses that were not in my neighborhood. As a XXXX, I was shocked when Quicken Loans accepted a blatantly under evaluation that was based on minority neighborhoods, instead of using evaluation from my more prosperous and predominately XXXX neighborhood. 
To further prove my point, even though my house is the exact same as my neighbor 's and had recently undergone a complete renovation, my house was appraised for {$91000.00} less. {$120000.00} for mine, and {$220000.00} for theirs. 
I have brought this to Quicken Loan 's attention before, and nothing was done about it.
Weltman has repeatedly contacted me regarding this loan account and subsequently reported me as in collections to all of the major credit bureaus. I do not have any responsibility for the debt that Weltman/XXXX is trying to collect and I dispute its validity. Weltman/XXXX XXXX ( loan originator ) provided a promissory note that dictates that default occurs once the " Borrower does not make any payment before or on the date it is due - according to their documentation the loan in question defaulted in late 2010. As the promissory cites Pennsylvania as its governing law, which has a 4-year statute of limitation on debt, this loan is unenforceable and Weltman has engaged in unfair collection practices.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Equifax had my old address, which I then initiated to change on XX/XX/XXXX. I then get an email from Equifax saying that it was resolved onXX/XX/XXXX. However, they changed my address incorrectly, but I do n't even know what they changed it too. Whenever I now try to initiate them to relook at it, they can not look me up in their system because the address i give them does not match their records -- but i do n't know what it is. I have no way of knowing what they put in place so now I am stuck. I am trying to get a home loan from my bank and the bank can not access my credit score because of this XXXX issue. It is very frustrating and now I am stuck in an endless loop -- i have to guess what they actually put in as my address but i have literally have no way of knowing. I only have a confirmation code, which is XXXX. Why is n't this enough to locate me???
I filed a complaint against Nationstar, Nationstar replied but did not address the issues. CFBP closed the complaint without allowing my rebuttal to Nationstar 's response, which is false. Nationstar needs to resolve the issue by addressing and rectifying their mistake : Nationstar failed to notify me of the escrow analysis, failed to notify me of the increase in my autodraft ( they drafted more than what was authorized ), they failed to allow payment of the escrow shortage, they failed to provide transcripts of the recorded conversation I had with two of their representatives onXX/XX/XXXX. 

XXXX stated the escrow analysis was mailed, which is impossible because I agreed to their electronic correspondence last year.
Unable to access mortgage account online. On XX/XX/19 called customer service, spoke with them and tech support twice. After I ended first call and was able to access online account, I was still unable to access " mortgage statements. '' Online system showed that it could not verify me, and wanted to send an access code. I never received the access code. This prompted my second call. I was told my mobile phone ( which had been added to the mortgage account, with a text received that indicated my cell was added ) is ineligible to be added to my mortgage account because it is a company phone. Note : I pay my company for personal usage, and this is my only mobile number. At one point while speaking with the customer service representative I was told I could go to an ATM with a Wells Fargo Debit Card or Credit Card and this was going to make my phone number eligible. 

This seems very suspiciously like a way Wells Fargo is making mortgage clients open credit card and or savings/checking accounts. Which is wrong, very wrong!!
I was sent a letter in the mail stating I could be approved for a loan of {$6000.00} by XXXX XXXX XXXX. I went down to the bank to apply for the loan and I was denied. Upon further investigation I discovered that XXXX XXXX XXXX had requested my credit report XXXX times prior to them sending me a loan offer on the dates of ; XXXX XXXX of 2015, XXXX XXXX of 2015, as well as XXXX XXXX of 2015. I did not authorize any of these checks into my credit and I refuse to allow their inquires to have a negative impact on my credit score. The representatives at their location was incredibly rude and argued with me despite the fact I have the information on paper right in front of me stating they pulled my credit score on those dates. I can be contacted by phone at XXXX or XXXX. I can also be reached at XXXXXXXXXXXX. I will do anything in my power to dispute these unauthorized checks into my credit score and I would also like this information to be passed along to the XXXX as this has been done illegally against my will. Please contact me if you need any information from me in regards to this matter as I will be more than happy to provide it to you.
the company (CBE Group) has called repeatedly outside of XXXX and XXXX. When i spoke with a representative they refused to provide me with either the callers name or the permanent physical address of the company.
I get calls every few weeks weeks referencing a medical debt that is claimed that I owe. I do not owe this debt. It has been paid and I have the check image showing that it was paid and cleared my bank account on XXXX/XXXX/XXXX. There is now a collection item listed on my credit report as of XXXX/XXXX/XXXX for this debt that I no longer owe.
My ex husband applied for a Discover card and listed me as an authorized user without my knowledge. After we split up, he stopped paying the bill which is none of my business, except that it is showing as delinquent on MY credit report. That should be illegal. I could open an account with them and list someone I did n't like as an AU and totally XXXX their credit without their knowledge. I think this should be illegal. I could understand if I was a co-app but I had nothing to do with that card. Discover ca n't even discuss it with me because my name is not on the account so I have no recourse. This is the only negative remark on my report and it is impacting my refinance rate/options. Please help.
I have been ill for the past month. I have not had control of my finances. I have a checking account with Bank of America. I had some auto payments submitted and they were returned by the bank for lack of funds. I understand that I have to pay the overdraft fees, but B of A wants {$260.00}, when the fees total {$170.00}! Trying to contact someone in the bank 's corporate offices is impossible. You get transferred from one place to another. I am retired on Social Security and I ca n't afford these kind of mistakes. Please help!
Step 1 : What is this complaint about?
Hard inquiry on my credit report. I did n't make any credit requests.
Step 2 : What type of problem are you having?
Unauthorized hard inquiry.
Step 3 : What happened?
Unauthorized hard inquiry.
Step 4 : What company is this complaint about? 
Syncb/walmrt XXXX, FL XXXX XXXX XXXX XXXX XXXX Step 5 : Who are the people involved?
Myself. XXXX XXXX & Syncb/walmrt
I have disputed several accounts with the  XXXX  credit reporting bureaus  XXXX , Equifax and  XXXX  the credit accounts opened well over 7 years ago and most have a  XXXX  balance. Also it 's been two years and some hard inquiries are still showing on my credit report. I do n't know why the credit bureaus will not remove all of these accounts. There 's a lot of unlawful credit reporting activities and this most definitely  XXXX  of them.
I sent {$700.00} USD to XXXX on XX/XX/XXXX. My vendor still hasnt received it. I have submitted 3 disputes and tried to go through social media. The keep giving random excuses and then closing my claim without resolving anything.
XXXX, TX XXXX ( XXXX ) XXXX Use my credit XXXX time and I only ask for XXXX time, I would like it remove if possible. Thanks
My student loans have been forgiven due to XXXX and the creditor XXXX XXXX XXXX responded to the dispute telling the agency to delete the accounts from my report. I have called Equifax and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to creditors however, the only XXXX I have scanned in was for XXXX but it shows the same as what was sent to Equifax.
The company allowed my most personal and valuable information to be compromised, putting my financial security at risk. The company 's response has been grossly underwhelming and inadequate. I have already received notice from my bank that my credit card information was compromised and have had to order new cards. This is only the first incident that I 'm aware and more could come. They need to be held accountable and do so much more than just offering CREDIT MONITORING. This response is despicable.
This company is saying we owe more then what they are reporting to the credit bureau. I called today to just go ahead and pay the full amount so we can move on and the guy I spoke today was very rude, He said that they got the complaint and I knew exactly who I spoke to. He was very rude with his tone. His name was XXXX.
I signed up to drive for the XXXX and they ran a background check through a 3rd party company named Sterling XXXX. I 'm disputing every bit of information they provided on my background check as it is not my information.
Navient failed to inform me of income driven option for nearly 5 years, pushing me toward forbearance, which added thousands in interest being added to my loan. Also there is a {$60000.00} jump added to my loan in one lump sum!? Navient refuses to explain why an additional $ XXXX was added to my loan, failed to inform me about income driven and continues to add interest, -and compound it. Thank you for your assistance. How do we become apart of the lawsuit?
CREDCO supplied a tri-merged joint credit report with a company that I thought was a legal company on the day that it happened. The credit report was for myself and my husband. When I became suspicious because of other things that did n't seem right, I learned that the mortgage company has had an expired license since 2009. Then I asked the licensed real estate agent who did the paperwork in the licensed real estate broker office. I asked the agent why the mortgage company is unlicensed. He said it is because the company was his and that he closed it in 2009 but that he kept the account with CREDCO so that he could run reports on people. CREDCO has not responded to my email about it. It seems to me that CREDCO should know whether or not its customers are even in business, especially after 7 years of being closed. CREDCO has a duty to protect sensitive financial information from thieves. There was no way for me to know ahead of time that I was dealing with an unlicensed mortgage company. Beyond that, because I was in a licensed office with a licensed agent, it NEVER occurred to me that I would be victimized like this. That 's wrong. Very wrong. It is CREDCO 's fault for not knowing that their customer has been out of business for 7 years. Now we are open to identity theft. I have a copy of the CREDCO report issued to XXXX XXXX MORTGAGE.
Have a car loan with GM Financial. The loan was for XXXX months but I have made a total of XXXX payments for this loan. They have came repro my call when it is paid off. I have a letter from tell me that I need to call them to get the title of the car. GM has miss applied some payments according to the records of my payment history,
Contacted at XXXX XXXX EST on XXXX/XXXX/2015 from phone XXXX sears department to my cell phone at XXXX. I told the rep that I will make payment on the next due pay because I had tried to make a payment extension to avoid late fee and it was not granted so I received a late fee. Rep told me if I wanted to make an automatic payment on the due date and I said no. Rep then told me that If did not set the automatic pay I will continue getting calls. I said that 's ok I am busy good bye.
I was unfairly and wrongly charged back interest on unpaid promotional interest purchases. When logged into Amazon store card online, you can select promotional purchases, which shows you the promotional purchases that are going to expire, however in this instance, I had too many promotional purchases ending on XXXX XXXX, so many were apparently not being displayed. The amount I was charged for not paying the promotional purchases off in interest charges was {$420.00}! and then I was unknowingly being charged interest on top of that each proceeding month thereafter. Thus I thought I was paying off all of the promotional purchases before the expiration date, not knowing there were many more not even being displayed on the website page like they were supposed to be. This was caused by a glitch with amazon store card 's website being unable to display the full list of promotional purchases if they are too numerous, which I was unaware of. 

These purchases were displayed on my digital statement, but I felt no need to look at the digital statement as the promotional purchases page is SUPPOSED to show all of my soon to expire promotional purchases. In addition this information is not given to the consumer to be aware of. In addition, I was never contacted or told in anyway that I had not only did not pay off all of my promotional purchases, nor was I told I had an additional 30 day grace period to pay them off. If I had been told I had not payed them or that I had a 30 day period to pay them I would have certainly paid them off to avoid the massive interest charges. Additionally Amazon store card makes no effort whatsoever to educate consumers on how their system works, or how to use it. I believe since the promotional purchases page did not display all of my promotional purchases, only some of them, so that I could see them and make sure to pay enough to pay them off and avoid massive promotional interest charges, that I should be refunded my promotional interest charges stemming from that date and incident. 

Surely I would have paid off the entire amount to avoid subsequent massive interest charges of {$420.00} plus continuing interest charges to follow. I was completely unaware of all of this or my accruing interest until today, XXXX/XXXX/17. I was very strict about paying them off in time and had thought there was no issues on my account, nor interest accruing balances! In addition to all of this, XXXX of the most damning things against Synchrony Bank Amazon Store Card is, nowhere on the monthly statements does it show or mention ANYTHING about a current balance subject to continuing monthly interest, so a consumer would have no idea there are charges accruing monthly interest as the statements only display information about FUTURE expiring promotional purchases, neither does it show or display any information or amount for expired promotional purchases that will continue to accrue interest, this in of itself should not be legal as a consumer would have no idea what is actually occurring with their account by just looking at the statements! In addition the information is confusing and well hidden, and not displayed prominently or clearly.
Sometime at the beginning of XXXX, I believe the XXXX, I payed my XXXX XXXX   Credit Card with XXXX XXXX in full - payment totaled a little over {$75.00} I believe. The balance was paid in full, I didnt worry about anything else. I was notified XX/XX/XXXX that I had a balance due to two late fees. I was never notified that I paid the card late, which I do understand the late payment was my fault. I must have misread the due date and marked it on my calendar incorrectly. I have two other cards with XXXX XXXX that are in good standing and have always been in good standing. The employee I spoke with in XX/XX/XXXX was rude and abrupt and did not allow me to speak to a manager when I disagreed with the charges on file. I told her I would be calling back to discuss further. In that time, myself and my father both had unexpected XXXX and life got in the way of me calling back. I was contacted today, XX/XX/XXXX that I again had two late payments and I asked to speak with a manager. The employee transferred me to what she told me was a supervisor. This supervisor turned out to be a resolution specialist who I told the whole story to only to be informed she was transferring me to another supervisor. The supervisor answered the phone with a cheerful attitude which quickly turned into a very smart mouth. I work in XXXX XXXX as an XXXX and I know that these fees can be taken away. I remove fees for customers EVERY DAY. I also work with XXXX and do not need this so called supervisor explaining to me the law and my obligations. I understand my obiligations and I am trying to get this taken care of. The card was initially paid in full and being only a day late the late fee should have been removed then. I want this card closed, along with my XXXX card, and XXXX XXXX card because XXXX XXXX will NEVER receive any of my money again. The customer service I have experienced with this card is absolutely horrible.
According to the new law effective XX/XX/XXXX, 2017 public records/tax liens must contain minimum identifying information and be collected at more frequent intervals. A minimum report of Name, Address, and SSN must be included in the Public Record. The tax lien being reported on my credit report does not meet these minimum requirements and should be deleted from my credit report.
in XX/XX/XXXX I bought a car and XX/XX/XXXX it was taking from me
I have been receiving multiple pieces of mail every week to refinance my mortgage for years. Having recently paid off my mortgage, I am no longer in need of the service and I have started calling each company to have me removed from their mailing list. Most companies have stopped sending me mail, but one still persists - Blue Brick Financial, XXXX # XXXX, CO XXXX # XXXX.
Re : St John Cobb Inc. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX Phone # XXXX I received a letter from them claiming that I owed them {$36.00} for False Alarm fees that I had not paid. They said my case had been referred to them for collection, and I had 5 days to pay them. I went to the City of XXXX utility billing office and they said they never heard of this company. I also went to XXXX Police dept and they had never heard of this company. I called XXXX XXXX XXXX, and they said they were not showing any false alarms or late payments on my account. I therefore believe this is a scam, and I am not paying it.
I have received repeated calls from this company stating that I owe them over {$16000.00} for an accident from XXXX of 2015. The police report lists the accident as a no fault accident. When I have told them that they scream at me and tell me that I know it was my fault and I just need to pay them. I have repeatedly asked for documentation showing myself at fault, as well as a breakdown of what they are trying to charge me and they refuse, telling me that I just need to pay them. They have threatened to put me out on the street and take everything I own. Also have threatened to have my License revoked. Every call ends with their representative telling me to pay them and then them hanging up on me.
I had a loss on my home and the insurance company paid for the loss. First mortgage Chase wants to keep the money in their escrow account and pay the contractors when I provide Chase with the licenced, insurance and estimate provided by such contractors. I find this unacceptable as Chase is not a insurance company or claim processor. Chase needs to release the funds and be fined appropriately.
Toyota Financial Services is Charging an excessive wear fee even though they had completed an inspection prior to lease return. The inspection report didnt include any Items that needed attention. Subsequently, the vehicle was returned. After having possession of the vehicle for more than 3 weeks they are claiming an excessive ware fee. This is a frivolous fee. I have attempted to come to a resolution on this with Toyota FS on 3 different occasions. However, they are not willing to work on this issue.