WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I open a card with American express. it was a simple card with no rewards or annul fee. a few months later I learned they now imposed an annual fee so I closed it. 
In XXXX XXXX Three and a half years later, I received an offer from Am Ex about a card with {$250.00} incentive if I spend {$1000.00} in the first 3 months. the card did not make any reference to my old card in XXXX. 
Having vague memory of what happend a few years earlier, and not knowing any association between this new card and the old one. I signed up and began to use it over my other cards which also offered great rewards I did not think anything fishy as they are supposed to be a reputable company. 

In XXXX, I called to make a payment the agent confirmed I have " until XXXX XXXX '' to fulfill {$1000.00} and I would get the incentive. 
In XXXX XXXX. I called to make a payment the agent also reiterated the above. 
In XXXX however, they told me I would not because I had the acct 3 and a half years earlier. 

They refused to answer my questions : the old card was a different card with no incentives and no fee ( when I signed up ) They knew of this old card all along -- that was how they got my address and SS to offer me the promote in summer XXXX. 
they did not mention anything about the old card in their offer. 
They did not inform me policy change. 
in fact, the XXXX agents mentioned above confirmed I would get incentive. 

They waited until I fulfilled the requirement in XXXX to inform me I would not qualify for the incentive. 
Had they told me earlier, that having a card almost 4 years earlier would disqualify the incentive, I would have close card and would get my annual fee back and I would use other cards and receive great rewards. Infact, I would not have opened it to begin with. 

They failed to honor their word. 

I am very concerned American Express have been using deceptive tactics to allure customers. 
In XXXX it was annual fee which they imposed after I opened. They are doing it again. 
This time they refuse to honor incentive agreement by using the excuse hat I had a card before, something they knew when they sent me the promotion offer, and in fact all along. 
Of the XXXX cards, I spent {$2500.00} plus a {$95.00} fee ( for the new card. ) They made some money off my cards, they also need to honor agreements. 
They need to conduct business with integrity and respect. 
policy should be open, transparent and consistent ; should policy change, they need to notify me. 
They are operating an unfair and unethetical business practice.
Back in XX/XX/2016, I was laid from my company for over 18 years I've been employed there. I filed a hardship during those months, I was not able to make payments. I applied for a program Keep your home California. I was eligible to qualify their program but I missed months of payments for my mortgage. Finally the program assisted me with my mortgage payments through XXXX XXXX. 

I'm currently making my mortgage payment for the past 14 months straight. I would like to dispute this late payments for XXXX XXXX, that is affecting my credit scores. if you could please assist me get this off my record. I'm working so hard to get a affordable credit score so I may live a better life knowing that I'm the average American with a good score. 

Thank you XXXX XXXX
Our law office represents a client who has a mortgage with HSBC. We called simply to get the accurate address to send a " Notice of Error ''. We spoke to the HSBC representative at XXXX after dialing XXXX. She refused to give an address to our office so we have used the address for " Error Resolution '' on their website, HSBC, XXXX XXXX XXXX, FL XXXX
Account number : XXXX. I have previously disputed this loan and it was closed unsatisfactorily. I do not have any legal document binding between myself and the loan company yet they keep calling me and trying to forcefully debit my bank account. I attached the loan agreement they used in closing my previous complaint and on top of the sales invoice it says " XXXX XXXX '' as the seller. XXXX XXXX ( XXXX XXXX XXXX ) is the surgeon that operated on me in XXXX of 2015 and not a loan company. I am not obligated to keep paying Special Financing since I do not have any legal signed document between myself and special financing. I have not received any statement of account from them showing itemized payments that were made in the past. Here are a few other complains that I have about this rip-offs : They have been constantly harassing myself and my relatives with several phone calls. This phone calls are embarrassing and should stop. The company in question is special financing company and they are ripping me off every dollar I get with outrageous interest and fees. I received a medical loan of {$3000.00} on XXXX/2015 and they heaped up additional fee of {$2000.00} and the loan keeps going up every day because of their greed. I have proof that the company paid less than {$3000.00} to the surgeons office ( XXXX XXXX XXXX ). I am drowning in financial crises because they have refused to give me an accurate written breakdown of my payments nor did they inform me that my loan of {$3000.00} was going to be bumped up to {$5000.00}. There are also additional hidden fees and late payment charges attached to the {$5000.00}. This is more like a rip off and no one should be subjected to such trauma. I am tired of living in debt to fulfill their outrageous monthly obligations. Please look into this complaint on the fraudulent actions.
I have a bank of America credit card ending XXXX which was charge off on XX/XX/2018 but the bank did not followed 180 days federal regulation for revolving credits to be charged off on my account. In their statements and transaction list shows thats I have made a payment within that time 180 day period and the bank did charged off may account with out notice.
The Atty. at XXXX XXXX XXXX XXXX XXXX, refuses to call or write back to me up to this point. I have repeatedly called and texted him, and his associates..!! They forced me into signing an Illegal settlement agreement that I was total against, from the beginning..!! I was told that if I did not get it signed and notarized that the Lender would not help me and foreclose immediately.! They are claiming that they did n't receive any of my necessary paperwork.!! I have sent it to them twice already and faxed to the lender many times in the pass with no reply.. At this point I believe they have been paid off and can careless if I can get my loan mod. re-instated or restructured or not! which is not fair too my Family!! I have been television for this situation! and thought it was settled.!! THE XXXX XXXX XXXX XXXX.!! They are letting the clock run out on me, on purpose.. They wont tell me who to talk to at my lender..I have called the opposing counsel, the want respond to me.. my lender say they cant talk to me, because of the lawyers ...! If this is not resolved before my sale dated I will have to file a LAWSUIT ON BOTH MY LAWYER AND THE LENDER..BECAUSE I DONT HAVE A CHOICE..!
CAN SOMEONE PLEASE SEND THIS TO BOTH XXXX XXXX/ OF XXXX XXXX CA .... NATIONSTAR MTG..OF TEXAS ...!!
My name is XXXX XXXX XXXX I am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Experian, XXXX and XXXX show Hard inquiries on my credit scores and Summary.
THIS ACCOUNT IS FRAUDULENT AND NEED TO BE REMOVED FROM MY CREDIT IMMEDIATELY XXXX XXXX Status Open Balance {$210.00} Type Unknown Payment Status Late
Hi my name is XXXX XXXX i have a bank account with pentagon federal credit union bank first when I opened my account with this bank they told me u gona have 5 day hold on your account for all your check deposit and i been deposited some checks in my account and one of the check come back I dont know for what reason and i got the call from bank from fraud department and the banker started accusing me that i am doing fraudulent check deposit and we end heated argument and then i hang the phone because she was accusing me again and again she is no one to accuse me without verifying the fect then she call me again and said listen mr XXXX i am going to freeze your account and send all the check back that what she did without verifying the fact and later on few checks which was cleared before that bank said they gon na hold funds till XX/XX/2019 i said ok and today i called then to check my account they said you have to get the bank statement from check issuers bank and letter from bank that show before check deposit statements and after deposit statements i dont understand one thing which of your clients give you access for there bank account to there vender what is bank doing with that money if fund not good send it back to check issuers bank and close my account and if fund are good then give the access to account holder but no they are not doing non of that and just hold ..please help me to get my money from this banking mafia i am not rich person who can afford legal team to fight the case in court i work 12 hr every day to make that money.
Made a payment for {$1000.00} on XX/XX/18, and was alerted there would be a 24-72 hr hold on my payment. 
Spoke with XXXX at XXXX then account managers XXXX , and another woman told me my payment would be held for 10 days, not 3.  I repeatedly asked to speak with their immediate manager and I was on hold for over an 1 hr and a half. XXXX then answered the line and I asked why my payment was being held if monies had been withdrawn from my bank account and applied to my credit account, he refused to answer then stated he WOULD NOT furnish terms and conditions that stated my payment would be held for ten days. The recorded call ended after 1 hour and 34 minutes.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Are all fraud accounts that were open without my permission. 
I spoke with XXXX XXXX and TransUnion. 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.
1. I have received bad data regarding my private student loan. I tried to process a request for automatic debit from my checking account. I thought it was processing but I was still receiving calls and was told I needed to pay a payment in order to process my automatic debit. I paid a payment and fond out my loan request has still not been processed. 

2. I have been receiving phone call past normal hours of collection per Missouri state law. I have rerecorded all call and will be submitting another complaint with phone recorded and a letter from my lawyer. 

3. Due to the switch from XXXX the Navinent and the change in payer accounts this has cause my private loan payment to delay. I have tried to resole this through the customer line but was told nothing they can do. I do n't feel proper notice or time was given for people to switch over bank account info and online payment methods. 

4. The current int rates for my private loans is way above the national average and the rates my other private loans are. I have tried to resolve this with navinet but have been unable to resolve this. I 'm working with class action with a number of account holders on this very topic so I expect not to be over charged or charged more than someone else for Private student loan int.
Hello, I have a student loan through Navient that was consolidate previously from XXXX. As part of my original loan terms I had signed up for a " borrower 's benefits '' which included a 1 % reduction in my interest rate if I paid 36 consecutive payments on time. This was performed, but after the 40th or so payment there was an issue with my bank sending the money ( it was from a savings account that was limited to XXXX withdrawals a month and the money was attempted to be withdrawn just before the month rolled over ) so the payment was not able to be made. Navient sent me a message that there was a problem with my payment, I submitted the payment again and it went through 8 days after the original date. However, after that " missed payment '' my borrower benefit of a 1 % reduction in my interest rate was revoked and all documentation was taken off my account. I was unable to even figure out if they were correct in revoking that benefit. When I called and asked them about it they said it was " late after 48 hours '' - but the email to let me know there was a problem did n't come for close to 5 days after there was a problem ( making it impossible for me to react to anything in time ). Of note there was a similar problem in XXXX of this year when the charge was reversed and I submitted another charge on XXXX XXXX. 

Considering all of this, I had written Navient asking for documents describing the rules of what would constitute me loosing my borrower benefits. They were unable to provide any documentation, but they did send me a copy of my original loan document which stated that I would incur penalties if my payment was late by more than 15 days. Therefore, it seems to me that this should be the cutoff for removing my interest rate reduction - however, Navient seems to have changed the rules and this seems incorrect.
Addendum to Complaint XXXX. 
I write to provide additional information about this complaint. On XXXX XXXX, 2015, I again contacted XXXX XXXX and spoke with a representative named XXXX XXXX. XXXX provided me with additional details about XXXX XXXX lack of knowledge of the settlement and payment arrangement Navient offered to me in their undated response to CFPB and details about how XXXX XXXX and Navient have negotiated deceptively and in bad faith. Specifically, XXXX stated : XXXX XXXX received the correspondence I sent to them, and shared with CFPB, on XXXX XXXX, 2015. However, XXXX stated that, because I had advised XXXX XXXX to not contact me, they would not respond to such correspondence. As previously explained, I finally advised XXXX XXXX to cease contacting me when I filed this complaint with CFPB because XXXX XXXX had begun to incessantly call my friends, relatives, and domestic partner on a daily basis and threaten them. When a party sends a written correspondence detailing the filing of a consumer complaint and engaging in negotiation to settle the dispute, as I did, it defies reason to ignore that communication and reveals the bad faith with which Navient and XXXX XXXX conduct their businesses. 
XXXX stated that XXXX XXXX does not own the debt, and did not purchase the debt from Navient. XXXX indicated that he believed in situations where a consumer has advised XXXX XXXX to cease contact, the company would return the servicing of the debt to Navient. 
XXXX stated he had no record of the settlement and payment offers Navient extended in their communication to me through the CFPB and told me he could offer me the opportunity to make payments toward the {$64000.00} balance that I am disputing. Navient, in their letter to me and response to the CFPB, stated that they had contacted XXXX XXXX on my behalf, and that XXXX XXXX was making the settlement and payment offers. This appears to be completely untrue. Navient continues to be deceptive and knowingly provided false information to CFPB in an effort to resolve this complaint. 
Shockingly, Navient and XXXX XXXX have begun to market additional products to me through both regular postal service mail and e-mail after previously claiming to have not been able to contact me.
XXXX XXXX XXXX billed my insurance and the insurance paid the claim and informed me I owed {$0.00}. XXXX continued to bill me for {$540.00} and I informed them of the insurance decision that I did not owe any money. The placed me with XXXX XXXX XXXX The collection agency did not contact me in any way they simply put a delinquent mark on my credit. When I found this out I made attempt to correct their information and was unsuccessful. I finally paid the bill as a nuisance to clear up my credit. 

This is a fraudulent action on both the Ambulance company and collections agency that amounts to extortion
reference to case number XXXX, In response to my complaint response XXXX and pate nude and Felix. They said that they try to contact me on several occasion since 2009 and working on my behalf that is not true I never heard anything from the above debt collectors/ attorny till XXXX XXXX when they produced a judgment against me to XXXX XXXX and allegedly took XXXX I have never signed any agreement with any of the above debt collectors or attorney. therefore I do not owe them a dime because they are third party
I have contacted the credit report agency disputing information on my credit report. The reply i have gotten was that they were reporting correct information. I have a letter from the company i was disputing that this information was sent to the credit bureau in question to have this removed months ago. They are still reporting this information thus hurting my credit further as i 'm trying to clear up my credit and this oversight is hurting me and hindering me from bettering my situation
The joint medical account was paid in full on XXXX/XXXX/16. National Business Factors is holding the account hostage for interest that was not agreed to by me or my wife and that was added after we paid the balance. Account was suppose to be removed after payment. They 're continuing to ignore our requests and screening our calls. We cited XXXX which states that both parties have to agree to the interest- if allowed, when they finally got back to us they cited XXXX XXXX for their reasoning. Our understanding of XXXX XXXX is for investment accounts, not debt accounts.
I have a " XXXX XXXX XXXX '' through Synchrony. Recently I was checking my statements and noticed that they have been charging me a {$38.00} late fee nearly every single month for the last couple of years. 

I always make my payments to them online, and normally well over the minimum ammount ( sometimes 3 to 4 times the minimum ammount ). I pay twice a month to split evenly between paychecks. 

Synchrony Bank is using deliberate and deceptive business practices to scam their customers out of more money. I am one such example, where I often pay more than once a month, well exceeding my minimum payment. They use loopholes like moving closing dates between payments to make it appear as though payments are late. I called customer service and was told that they have a hidden date that they prepare the statements, and this date changes month-to-month. Depending on how your multiple payments fall around this hidden date, they may only apply one of your month 's payments towards the balance, and then hit you with a late charge. 

Here is a recent example from XXXX 2018. On XX/XX/2018 I made a {$250.00} early payment. Then, on XX/XX/2018 I made another {$150.00} payment. When I read my statement for XXXX, I get hit with a {$38.00} late payment fee. Upon investigating, they have been doing this every single month to me. I am a good customer that makes well over the minimum payment, and even sends in multiple payments per month, and it's an absolute shame that a company will pull such dirty tricks to rob their customers of money. They have robbed me of nearly {$1000.00} this way already!
A current report from Experian is reporting a XXXX XXXX XXXX paid collection that was deleted from my credit file back in XXXX XXXX2017 and now it has been added back on to my file with Experian. The CRA did not provide me notice of their reinsertion, then the reinsertion is a violation of section 611 ( a ) ( 5 ) ( B ).
We have no delinquent loans, and our telephone numbers are on the national Do Not Call registry. Despite this, we continue to receive unsolicited and unwanted telephone calls from ( XXXX ) XXXX in XXXX XXXX, XXXX. This number is registered to Portfolio Recovery Associates Group, XXXX XXXX XXXX, XXXX, XXXX XXXX.
I received an offer from American Express that promised XXXX bonus rewards points if I spent {$1000.00} in the first three months. I spent {$1000.00} and was never awarded the XXXX bonus points. When I called American Express customer support, they informed me that it was n't the offer I signed up for -- which is completely inaccurate, as I specified this promotion when I signed up. This is no less than fraud in deceiving me to sign up for a line of credit with them under false advertising.
They call me 15 to 30 times a day and keep asking for money and they call me and my husband. I pay a payment and they call that afternoon about my next payment. I admit I was 30 to 65 days behind because of medical issues or the fact my husband was out of work. I admit that but I have tried to pay payments when they are due and when I pay two payments they still call when my payment payment is just 2 or 3 days past due. I want them prosecuted for harrassment for XXXX on my life I get so upset cuz they call and just keep wanting a date that I can pay and when it 's gon na get pd and when I give them ideas on how I can pay them they say you ca n't pay it that way u need to do it immediately or we are coming TODAY RIGHT NOW to pick the car up. When in the agreement it states that they only come after the vehicle when it is 90 days past due that is the only time they can threaten this. Please help me I have a lot of stress on me being a one paycheck household and I had to get boarders to live with me just to get my rent pd so it 's not like I am trying not to pay. As of right now I am 14 days past due and this am they added a whole bunch of late fees etc to the payment I need to make after another person took them off when I paid my payments up to help me. It is United Auto Credit and I want to press charges for harrassment and XXXX on me. Thank you. XXXX
On XXXX, XXXX 2016 I was charged with a misdemeanor and had to pay a diversion fee of only {$200.00} and received no jail time. My background check states that I was sentenced to 45 days in XXXX and was on XXXX for 2 years and was charged {$400.00}
I called to speak with someone to see if there was an error on my statement.I was told that their deferred billing was different and the interest on their card generates on the balance you initially borrowed not the current balance. I, m hurt and felt like I was deceived, my balance was {$1700.00} and the interest is {$1600.00}. I, m not sure if there will also be additional interest each month. I have had a problem with this bank before, that went into my bank account and withdrew some money as if I made a payment and that was never resolved.