WillisBack/dataset-financial-user-claim huggingface dataset:
Applied for XXXX cards at the same time ( same day ) from JP Morgan Chase Bank. Both cards were sent to pending status with a 7-10 day wait for approval. Called both reconsideration lines and was given approvals over the phone. 

Upon receiving my accounts / cards, XXXX of the XXXX approvals was significantly less than stated over the telephone with the card services department. I called to speak with the card services department again, who passed me around multiple departments without resolution. No one could give me a clear answer other than telling me they could n't do anything about it. I finally escalated it to the Executive Office who stated that they would look into it. 

Executive office rep stated that they did make a mistake in telling me the approval amount over the phone after listening to the phone calls, and that the approval was cut given the approval of the other card. The option they gave me were to make another inquiry against my credit ( after just making XXXX, XXXX of the personal card, another for the business card ), which they claimed they could " mask ''. I explained to them I was n't comfortable with that, so they would discuss internally if anything could be done. 

I explained to them that I just wanted them to stand by what they said. After going back and forth, no resolution could be made within the company without making another inquiry to request for a " credit line increase '' vs. giving me the line of credit they stated ( and acknowledged that they made a mistake of giving me the amount over the telephone ). 

My issue is with setting expectations - to tell someone one thing and then have it be another, and then admit to making a mistake but not being able to rectify it / own up to it, is misleading. I also explained to them that they gave me the full approval on the card with the annual fee but gave me a short approval on the card with no annual fee, essentially making it so if I wanted to keep the line of credit available, I would be required to pay. 

As a loyal customer with multiple cards through the bank, as well as being in good standing / good credit / not carrying balances, I find it hard to understand why a company would say one thing and do another.
I started receiving calls from the number around XXXX XXXX. There would be a human speaking and then they would pause and a robot voice would say my name. They claimed to be collecting a debt or carrying out a " business matter '' with me. After my father and brother receiving calls about this I decided I should call. I called only to be berated and attacked when I would call. I would ask for their name, company name, address, and a license number which depending who I talked to said I had to confirm my information first. I finally was given an address of XXXX XXXX XXXX, XXXX, NY XXXX. I looked up the address to find nothing of the sort existed. The person I was speaking to after yelling over me for several minutes said he would put in my file that they would not contact me, but that they would continue to contact my family. I asked if I could speak to someone and he transferred me to a " QA Department '' which was just a voicemail box it seemed. I called back and asked to speak to a person rather than a machine and he began yelling again and then threatened to file harassment charges if I did n't stop calling and hung up. About 15 minutes later a " supervisor '' called me and said he was there to help since I was n't satisfied with the service. I asked for him for an address ... .he stumbled around for several seconds as I could hear a voice similar to who I was on the phone with before saying the fictional address. He said his monitor was broke and then stumbled through the rest. Finally he said the zip code and then said " oh actually it is ... '' and changed it to something completely different. I told him I would like to be removed from being called along with my family and he informed me in an irritated tone that I would be by close of business and any legal action that could be pursued would be pursued and hung up.
For as long as automatic payments by my bank were available, ( at least 10 years ) I have used that system to pay my bills. I have been paying my Capital One business credit card by auto payment since XXXX of 2014. Last year Capital One raised my interest rate to 30.4 % due to two payments being a couple of days late. I contacted Capital One and my bank and told them that one or the other of them was to blame. I had not made any changes to my auto pay process. Capital One admitted that they may have been responsible so they credited the account some money to compensate for the error. However, they left the penalty interest rate intact. I called them today and complained again and they said there was nothing in the world they could do to help me. I can prove by my credit report that I have never in my entire life had a single " late '' payment or derogatory remark on my credit history over thirty one separate accounts. I am livid that a company can arbitrarily raise interest rates to a usury level even if a payment was a couple of days late possibly due to the mail delivery.
I had to get private student loans for each year of college because I did n't qualify for federal student loans. Upon graduating and shortly thereafter the loans coming into repayment, I could n't afford them and defaulted. XXXX were n't being flexible with me and I never could catch up. Now my credit is terrible, I ca n't get anything in my name just because I went to school to better my future.
Repeated phone calls/messages left daily for months and months to my cell phone saying i have a bad check I have told them I do not and never had any bad checks to anyone I have asked them numerous times to send any collections they may have to me in writing to my home address They never have done so. In months I have asked them numerous times to stop calling my cell phone They still continue daily for months! 

I have emailed them and sent a letter to the address they gave me asking for the calls to stop including the hopefully last time today What else can i do Please get these calls stopped
I have been with this bank for years. I have my mortgage, which I just payed off, my car payment and 2 credit cards. Never a problem. 
My boyfriend lives in XXXX and I will be moving there with him. He is in the entertainment industry and I have done some work for him. For payment we decided to pay both credit cars off. We have a manager, agent and accountant that handles these things for him. I intended to use the same people. Information was given to the manager to pay off my credit cards with Chase, which he did. So the credit cards were paid with my income by the accountant and manager. 
One of the credit cards was credited with the payment immediately. The other card payment stayed pending. I thought that was odd so I called Chase and they said that was normal, not to worry. They said it would be 6 days before it posted which has never happened to me before. So I trusted them and began to use the other card. I actually called again in a couple of days and asked if there was a problem that I needed to address. Once again they said everything is fine. But I kept asking 'why ' and no one would give me a legitimate answer as to why the money was n't credited to the other card. 
So I continued to use the money on my credit card account. One day my card would't work. It was declined. I said that 's not possible there are thousands of dollars on that card. So I called Chase and they told me they had closed my accounts. I was in shock and very upset. I said what is the problem and no one would tell me. I asked how could you possibly just shut ones cards down without talking to the person first. I did n't even know there was a problem. And they still would n't tell me why. 
I called over and over crying, begging for an answer. They gave me all kinds of bogus excuses. 
Finally one night a very nice customer service lady told me about the fraud. The manager and agent have been stealing millions from my boyfriend and they just emptied my cards. 
I called Chase tonight to # 1 give them the information on these criminals, and I have collected a lot. # 2 to ask for replacement of what was stolen. I was treated so horribly by this customer service rep. He basically said it is my problem and did n't care to take the information that could help prevent this from happening to others.. 
Here are the issues : 1. Chase obviously knew something was n't right from the beginning and put the money into one account without warning me. Why else would they have held the money in the other account which has never happened to me over the years. 
2. Chase has a responsibility to warn their clients when they suspect fraud and they did n't. They just let me keep giving money to this fraudulent person. I ended up losing over {$30000.00} because of Chase. 
3. This is a huge money laundering ring and Chase is more concerned with not having to reimburse what they owe me than try to help stop this corruption. 
4. I want help retrieving the money Chase negligently put into my account for use, knowing there was an issue. 
5. And I would like to see them being held accountable for their lax attitude towards money laundering and protecting the public.
We noticed last week that we have been charged roughly {$60.00} a month for almost two years for security protection on our Lowes credit card bill. We called them, the amount totaled {$710.00}, they said they would refund us via check within a week. We never agreed to or signed up for any protection service, we are on a budget and really could have used that money over the past two years, reguarldess we waited on the refund only to see today they simply credited it back to our account balance. I called and explained we pay our bill on time they illegitimately obtained the {$710.00} and I would like it back, Ive could have used it over the past two years and want it back now. They werent helpful at all and essentially said we should be happy we got the refund on our account balance. In my opinion they essentially have stolen {$710.00} from me and when they are called out about it they are going to keep it and apply it to my balance? Thats ridiculously bad business for such a big company.
Was contacted about a XXXX XXXX XXXX credit card opened in XXXX they said I owed over 17 thousand dollars or Id be taken to court I was pretty sure I had paid every prior to getting my home loan in XXXX. They kept pushing a settlement and I agreed not to the settlement but to XXXX dollars to not take me to court so I could figure out what they were talking about. I found the letters from the collection agency I paid in XXXX for this credit card. Contacted them and the refused to refund my money then the next day took XXXX dollars and over drafted my account. Called them and they keep hanging up on me this is not my debt its been paid for already. They refuse to hear me at all
I contacted XXXX XXXX through Citibank to help me with the process of procuring a loan for a home in Indiana. From the very start, I alerted him that business losses from XXXX for XXXX were deducted against my primary and XXXX income, however I had sold XXXX and therefore it would n't be a loss any longer. XXXX stated that since the XXXX was sold, then the losses would n't be taken into account for the purpose of determining future ability to pay. 

After paying in excess of $ XXXX on origination fees, inspections, and travel, XXXX alerted me three weeks after I signed a purchase agreement that the underwriter would not offer me a loan due to my XXXX losses on the previous tax returns. When I asked XXXX why he told me otherwise, and why I wasted so much time for this result, he stated that he does n't review the tax returns, and held no responsibility. 

The amount of effort and money I spent for something that could have been avoided from the very beginning with a more knowledgeable agent is heartbreaking and disappointing.
Describe what happened so we can understand the issue ... 
Hello- We were the victims of XXXX servicing and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account ( XXXX ) should be deleted from my Equifax credit report. XXXX changed names to XXXX. So the account on my credit report now shows up as XXXX.
My wife had accrued over a thousand dollars in one of her XXXX card which is serviced by XXXX bank corp. or HSBC. As she was delayed in her payments, Hsbc called her on the phone in 2010. HSBC made her to agree to several monthly automated payments through her checking account to pay the full amount. About 2 years ago, XXXX a debt collector served us papers through the courts suing us for the full amount. She searched her records but could not find any file that showed she had paid off the debt. We have accessed her checking statements online and indeed she made payments of around XXXX to HSBC card services CO id XXXX XXXX web misc XXXX for 5 months. She went to a local XXXX XXXX branch to identify what account the money went to. XXXX XXXX said they could not help us and told her to call HSBC. She was told by HSBC that they do not have records on how to track these transactions. We contested this in the local courts and the judge ruled that since we can not prove that the money did not go the account which is now held by XXXX that we have to pay XXXX XXXX. We sent a certified letter to the lawyers of XXXX XXXX stating that we are willing to pay on a monthly basis to cover the amount. My have not heard from them since. My wife is seeking a mortgage and the broker said that she has to settle this account before she can get a mortgage. 
We need help in trying to trace where the money went. 
As a warning to others, always keep your records whenever you payoff a debt. Also automated debits do not give a full record of where your money goes so probably it is better to pay off by check as a back up record. Creditors want to give you discounts on your debt for automated debits as probably it is hard to trace where your money went.
The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX County told me that they do not verify that information. 
XXXX
I lived at the XXXX XXXX XXXX XXXX in XXXX Texas. I rented a, floor to ceiling,. windowed apartment, corner unit that looked down XXXX XXXX XXXX and a garden grass area. We rented that unit and paid additional rent based on its location, corner unit and full windows (that was how it was advertised "Corner Unit Full Glass"). After a couple of months and much construction dust the windows on the outside became filthy (I have pictures), from the outside. These windows were non-operable and could not be cleaned by any tenant. I wrote the landlord 7 times from XX/XX/XXXX to XX/XX/XXXX asking for them to clean the windows. Stating I rented a complete walled glass corner apartment and you can hardly see out of them. In my lease agreement Para 31.1 and 31.2 it states that after 2 requests stating a common area (exterior windows being common to the bldg.) is not maintained that my next course of action is to move out. I notified the landlord that I was moving out based on this language. They then told me someone was coming to clean the windows, which never happened. It is my understanding that they did have someone clean all the windows in the bldg about 3 months later and after my original lease expiration. 

I followed all the contract language, gave proper notice, paid my rent up to the last day, cleaned the apartment and did not deduct my deposit amount. The unit was left in perfect condition, as I have records of their final inspection. They have not returned my deposit and they want me to pay the last two months of my rent. 

XXXX (collection agency) contacted me in XX/XX/XXXX, I had communicated (writing and Phone call) with XXXX XXXX of XXXX XXXX, XXXX XXXX of XXXX, XXXX XXXX  of XXXX, XXXX XXXX oXXXX XXXX, I have written and talked directly to each of these  people I have even written the President of the Apartment complex. None of these people ever get back to me. They say they will then I just receive another letter 30 days later. I have told and written to them I do not owe them money that they owe me $XXXX rent deposit. But they just ignore me and send me another letter.
I tried to negotiate, starting with return my deposit ($XXXX) to return $XXXX of the deposit. But XXXX states that they are a collection agency and don't have the money. 

They continue to write false letters stating that they attempt to contact me and I do not respond, this is not true my last contact was with XXXX XXXX onXX/XX/XXXX, here is her response:
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On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX  wrote:
I didnt say you arent right I happen to agree with you and I plan to point this out to their bosses to see where it goes. 
 
XXXX XXXX
Client Support Specialist
XXXX XXXX XXXX XXXX
XXXX ext XXXX
Fax XXXX
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I reached out to Equifax by phone and mail and I was explained that they would be deleted but are still showing on my report
XX/XX/17 I called XXXX XXXX regarding my student loan - I was reminded that my student was moved to Navient. XXXX forwarded my call to Navient and provided the number for Navient. However when I called Navient I was never able to speak to a customer service rep or remain on hold to speak to someone. I tried the call twice but both time Navient disconnected my call and would allow me to remain on hold for the next agent. This is unacceptable. I was calling to advise that I had been terminated from my employment. I will be unable to continue to a XXXXper month student loan payment as I now have only Social Security Retirement as my current income. I chose NOT to have Navient return my call at their convenience, I was prepared to wait on hold for the next agent. How can a lender refuse to allow a customer to wait on hold for service. Navient should allow customers the option to wait on hold - now I have to continue to try and reach them when they will not hang up on me. XXXX XXXX XXXX
I've disputed at least 3 times with Equifax about inaccurate information thats not mine from accounts from XXXX XXXX XXXX and XXXX XXXX XXXX. They keep verifying that its mine. I tell them that its not and request to see whats in my credit file to see if I can match it with my records, but they refuse to disclose this info. The information on these accounts are inaccurate and hurting my ability to obtain credit and causing me to pay higher interest rates. I want it removed from my account immediately. I've attached actual pages in my report that I got from Equifax in XX/XX/2018. Not a reseller, but Equifax. I've circled and notated all the mistakes.
Account # XXXX from Portfolio Recovery Associates appeared on my XXXX, XXXX , & XXXX  credit reports in  XX/XX/XXXX. I DO NOT have a contract with this company. I sent letters to validate the claims and the following information was requested : 1. Agreement with the creditor that authorizes PRA to collect on this alleged debt 2. The ORIGINAL agreement bearing my signature stating that I have agreed to assume the debt and pay Portfolio Recovery 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that they are licensed to collect in my state ; and 7. License numbers and Registered Agent As a result, the company sent me the same exact paperwork THREE TIMES! In XXXX & XX/XX/XXXX. A letter stating " verification information ''. None of which was a single item from the seven items requested in total. As of today, it has not sent me the validation that I have requested under the provisions in the Fair Debt Collection Practice Act ( FDCPA ). It is apparent that they have overlooked or ignored my request. 

As a consumer I am protected from predatory collection tactics & have a right to request AND RECEIVE Validation of an alleged debt in a timely manner ( 15 USC 1692g Sec. 809 ( b ) ). This company has failed to provide the requested information and is in violation of the FCRA by continuing to report false information on my credit reports, thus hindering an accurate consumer credit file and score for me and my family. Please delete this account from all three credit reporting bureaus IMMEDIATELY!
I 've made multiple attempts to contact First Merit Bank to close out two CD 's that were opened by my late mother on which I 'm the named beneficiary. I 've spoken to XXXX and XXXX who have both asked for various identifying information and have made assurances that the CDs will be closed and a cashiers check will be forwarded to me. Yet every time I call to follow up with them concerning when I can expect the check to be sent they have an excuse about something they need before they can proceed. It 's been over a month since I initially contacted them and now they are informing me that they ca n't close out the accounts until the they have " court documents. '' Unfortunately they ca n't tell me what they actually need besides " court documents '' which is not helpful. I 've closed out similar accounts with other banks in the area without any issue and it 's unclear why First Merit it 's having issues. My biggest complaint is that XXXX has n't made a single attempt to contact me to resolve the issue and is typically " out to lunch '' whenever I call regardless of the time of day I call.
XX/XX/2018 sent validation letters to XXXX for {$740.00} and {$450.00}. Also XXXX XXXX XXXX for {$730.00} so far no response.
Over the past 4 months I have made several disputes with XXXX & Experian regarding an fraudulent account being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP