WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18 as I went to purchase a ticket for a flight to XXXX on the XXXX XXXX website, I saw an ad to get the XXXX Mileage Plus credit card. It offered a couple of things that attracted my attention including a {$100.00} credit after my first purchase. I clicked the link and it took me to Chase Credit card website. I filled out the application which was approved and then clicked the link back to the XXXX XXXX. I was unable to complete the ticket purchase at that time because I didn't see the new Mileage Plus credit card number to use. I contacted the credit card company and was told I'd have to wait to get the card in the mail to complete the transaction using the new card. Which I did in approximately a week. After I've made purchases I expected to see the {$100.00} credit. I called the company on XX/XX/18 to find out the status and was told that I didn't follow the link when i applied but that they would pass the request on to their marketing dept. On XX/XX/18 I received a letter from Chase customer service stating I didn't qualify for the {$100.00} credit. I believe that I was misled by their advertising. I clearly clicked the link to get to the Chase website to make the application and am deserving of what they offered. This is a copy of their ad/link : XXXX? CELL
On XXXX/XXXX/XXXX, I called XXXX XXXX XXXX XXXX title loans XXXX, and was transferred around with no resolve. They stated that they were not the main lien holders, but were the secondary. I contact the other supposed lien holder and they stated that they were not the lien holders, but XXXX XXXX were the original lien holders. I then called back XXXX XXXX and they did verify that they were the lien holder and was transferred to the bankruptcy dept with no resolve, and could not leave a voice message. I in total was transferred 12 to 13 times and I still do not know who has my title for my car. 

I had declared bankruptcy in XXXX, and the balance in the amount of {$4000.00} should not be owed and should have been included in the discharge. I am disputing that this company still has the right to hold my title due to this reason, and I have not been able to get in contact with anyone with this company in regards to this. 

I would very much appreciate some assistance with this, as this title loan was originally initiated 8 years ago, and is considered to be a very old account according to the company. Let me know if you need anything else in regards to this. 

Thank you and have a great day. 

XXXX, XXXX
My name is XXXX XXXX, on XXXX of XXXX 2016 i transfer the amount of XXXX Us Dollar to my father in XXXX through Money Gram and Today is XXXX of XXXX 2016 and he still not yet received, he went to more than three Money Gram agency they told him there is no transfer under this name, now been tow Days trying to find out whats the problem? the costumer service person keep saying is on hold because of verification when i ask why she said is because of money laundry, i asked what i should do? they said that the receiver need to call the Money Gram office in XXXX to verify his identity, the receiver try to find a contact number he could n't find it and i called 3 times this morning to get costumer service contact number they gave me this XXXX and the other lady gave me this XXXX none of these contact work?! when i ask i wan na cancel the transaction they wont cancel it unless the receiver call and get verified, i ask for a manger so can provide me with more info they refuse to escalate the call to a manager. 
i been sending money through XXXX XXXX for years i never experience such a horrible miserable horrible experience and trashy nasty costumer service, am frustrated angry mad because the person waiting for money for medical propose.
I was a victim of identity fraud. Someone used my information to open an account with Care Credit. The account was opened without my authorization. I received a billing statement in the mail, which was my first knowledge of the account. I contacted Care Credit on XX/XX/XXXX. I was told the account would be closed, and an investigation would be completed. I was also told that I would received a package in the mail to complete. I was told that I would have the package in 30 days. Today, is XX/XX/XXXX, and I a still waiting on this package. I made a second call to Care Credit on XX/XX/XXXX, to be told that no investigation was started. The investigation started on XX/XX/XXXX. I have still not received a package.
I am still receiving a bill from Care Credit. I received a letter dated XX/XX/XXXX that I was not responsible for the charges, and that there is still a bill. I had requested a copy of all transactions from this account. I HAVE NOT RECEIVED THE TRANSACTIONS AS PROMISED. I WAS TOLD THAT MY ID WAS TEXTED TO THE DOCTORS OFFICE. I WOULD LIKE TO SEE THAT TEXT MESSAGE AND PIC ID, ALONG WITH THE APPLICATION TO OPEN THIS ACCOUNT. WHICH I DID NOT AUTHORIZE. I CONTACTED CFPB WITH CASE # XXXX, PLEASE HELP
In shortI applied for a card that was advertised to me, got approve and received a completely different card, different name, rewards, annual feed, everything. Bank of America is claiming this isn't unfair since the duality of this card is explained somewhere in the terms ( even though not explained in the advertisement materials ) and they are refusing to fix this. 

XXXX XXXX ( and Bank of America ) is regularly sending promotional emails and letters about their XXXX XXXX Visa  Signature credit card. 
Promotional material states a number of bonuses : SPECIAL INTRODUCTORY OFFER XXXX 's Famous Companion Fare + XXXX Bonus Miles Buy one ticket, get one for just taxes and fees ( {$0.00} fare plus taxes and fees from just {$22.00} ) plus receive XXXX bonus miles with this special offer. To qualify, make purchases of {$1000.00} or more within the first 90 days of opening your account. 

which all sounds very appealing. Sometimes you get letters telling you that you are already prequalified for this card. However, somehow hidden in terms there's line explaining that there are actually two different cards not one, Signature and Platinum, and above-listed bonuses are for Signature cards only, rewards for Platinum cards aren't listed. 

After applying for this card you get a message confirming that you're approved and a couple of days later you receive a card. Now this is when you find out which card you actually got, and to your surprise you might have gotten the Platinum one. At it is now that you find out what are the rewards this card gives you : XXXX miles instead on XXXX, no companion fare and a yearly {$50.00} discount for Alaska flights ( at a annual fee of {$50.00} ). 
This is what happened to me, I applied for one card and got a completely diffrent one that I'm stuck with. I don't want to close it and decrease my credit score, I also don't want to pay a {$50.00} annual fee for essentially no benefit. 

I ended up contacting Bank of America and it gets better! A customer support agent told me at first that the link I used to apply is outdated and that was an old promotion ( I used a link from a referral email generated by XXXX ) that isn't currently supported. Then his story changed and he said that the url was fine, it's actually because of the credit line. Apparently to get the Signature card you have to be approved for a line of $ XXXX and I only got approved for {$4200.00} so they send me a Platinum. And then to top it off he said that if I just go on Alaska 's website and apply from there I will end up getting the Signature anyway because the {$5000.00} credit line requirement is old too and they are just giving Signature cards to everyone. 

This is incredibly unfair, I used an url that advertised a Signature card and ended up giving a card I never applied for or wanted and now I'm stuck with it. Bank of America refused to help claiming that I've agreed to terms, their best solution was to offer to close it while trying to downplay the potential effects of closing a week-old card.
On XXXX/XXXX/15 I tried to activate my new Capital One credit card online and the website said I had to call, when I called I got transferred to the fraud department, where an XXXX lady put me on hold for a long time. Without my knowledge she called my husband ( whom I am currently separated from ), she asked for me and he told her she had the wrong #. My husband later told me this and was very upset because she also asked for a XXXX XXXX as well and stated that it was Capital One calling about my account with a XXXX XXXX ( not clearly saying the name ). He was unaware of me even getting this credit card and I would have preferred to keep it that way. After, a very stressful day of dealing with this, I called the representative in the US and she explained no one called my husband. He texted me a screen shot of this number ( XXXX ) XXXX, that he was called from XXXX! I have never had such a complicated time activating a card! Also, I am extremely upset that my husband was called and concerned about where Capital One even got his phone number from!
Due to Citi Bank freezing my funds and refusing to close my account I was unable to conduct business, pay bills, pay rent, pay loans, pay employees etc. 
My credit has been effected negatively in a big way ; now I am unable to conduct my buisness or apply for loans. 
as of XX/XX/2018 I have not received my money. 

The bankers in the back office were rude and not helpful. 
I expect the gentleman I spoke with on XX/XX/XXXX, who was unprofessional and rude to be talked to and it fired ; I will be waiting for a letter of apology from him as well. This man took out a personal vendetta against me and refused to release my money. 
He is responsible for this entire issue. As an employee of Citi bank the bank will now be healed responsible for his actions and the negative impact on my credit score.
I recently wrote convenience check from my Barclay credit card and it posted on XXXX/XXXX/XXXX for {$1400.00} for my standard APR. Three days later on XXXX/XXXX/XXXX I receive more checks with a promotional APR of 3.99 % through XXXX of XXXX. I called in and asked if the promo rate could be applied to my {$1400.00} transaction and I was told no. Prior to writing my check I called in to determine the cash limit on the card and the representative did not inform me that any promo rates were available or checks were on the way. I work for a major credit card issuer and understand how long it takes for items to process and mail out. There is no way this was not available to that representative. Not only is it completely ridiculous that a transaction that posted 3 days early can not be switched over it 's downright insulting and deceptive to mail these promo checks after I 've just written one for my standard APR. I only asked the company to have the promo APR applied to the one transaction, nothing more, and both request I made were denied. Had the first rep I spoke to informed me these checks were on the way, I would have waited 3 days and used them instead. The difference in monthly interest charges is going to cost me ~ $ XXXX {$250.00} a month ever month until next XXXX.
Hello, I was called by a chase bank representative on XX/XX/2019 at XXXX. This representative had given me a call to notify me of some fraudulent charges that were trying to be made, with that, they wanted to verify my account information so that they can close the account and issue a new debit card. So with that information being given from the representative, I assumed this would be safe also with the number not showing up as scam. So we proceed and I give the person my information needed to access the account, they said a verification text will be coming to me and to repeat the verification code, sure enough I got the code and gave to them, things still sound good. Then after about 30min being on the phone, they gave me two confirmation numbers to use to reference this call and that my account is closed and card will no longer be active and will be sent another card within 10 business days. All fine and dandy, til I never heard back from chase after the 10 days, I actually called within 5 days to  check in. Sure enough the chase representative says there was no call regarding this activity and that my account was still active and card was still active. Right away I knew this was a fraudulent/scam call and they got into my account and transferred {$1200.00} using quickpay to XXXX. I never signed up for quickpay nor did any transactions ever with XXXX. So Chase 's claim department denied the claim and I'm at loss of {$1200.00} to someone I have no idea who it is. Chase 's claim department says since my account was compromised and that I gave them my info, they can't do anything about it. This is total bs, I surely wish I knew, but when the scammer calls acting like a chase representative, knowing exactly what questions to ask and verifying them, why wouldn't I give them my info. If this is the case with all calls, then everyone would be a victim. In which I researched and sure enough this has been an ongoing fraud or scam going around, and chase chooses not to do anything about it. So i'm looking for help, my account is in the negative now because of this, many insufficient charge fees, etc. I've changed all pw, used virus scans, etc. and finally got back access to my online account and need this fraudulent transfer resolved. I'm now suffering because of this.
I am attaching a copy of the investigation request that I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.
Submitted a dispute o n   XXXX   XXXX  ,2017 to  Transunion to for removal of the negative collection accounts that are reporting and they finished the investigation in less then  24  which tells me there was no investigation they just sent out their generic letter for disputes.
Lender received loss mitigation package 40 days prior to sale date, refusing to review for options.
I will not give up the fight. This little house has been in our family for over 60 years and I am going to do my best to keep it the family. I am eager to talk with the Judge about the 11.99 % interest, eager to discuss with her the lender enforced insurance charged to me month after month, year after year, eager to discuss the modification loan papers where I was told that I had to have all my paperwork in 37 days to be considered for a loan modification. Then when thepaperwork was in the 37 days, to be told this week by a Caliber employee over the telephone that it was 37 days plus another 3 to 5 days needed to consider the paperwork then 37 days to process the work. I have a letter written about a month ago from Caliber that they need 37 days to process a loan modification. Nothing was ever said about the extra 3 to 5 days for whatever, then the 37 days began. Nothing was ever said about needing 42 to 45 days for the loan modification process. This is always how it is with them. Every time I apply I am one day short, two days short or some other reason. Never do I get anywhere with them.
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There is one more item I need to cover with you. About 4 years ago   XXXX   XXXX   had a fierce hail storm and there was property damage in almost every city and town. My home here ( where I have lived for 42 years ) was damaged.   XXXX   XXXX   XXXX   XXXX   issued a check for repairs and my house was repaired quickly. The  XXXX  property was damaged also and   XXXX   XXXX   XXXX   XXXX   issued a check for {$24000.00} for repairs. The insurance company sent the check first to  XXXX , asked them to sign the check and send it on to me to make the needed repairs. However,  XXXX  kept the check. They could not cash the check. My name was on the check and it would have been forgery for them to sign for me. So they just kept the check. No amount of urging from the insurance company could get them to get the repairs done, so they just sold the loan. The insurance company still had the funds for the repairs. A few weeks ago,  XXXX  had another hail storm, the roof again was damaged. There are roof leaks into the house. But, the insurance would not issue a check for those repairs since they had already issued a check to cover a new roof. I talked with  XXXX   XXXX   XXXX   about the previous damage and the check that had never been cashed to get the repairs completed from the first storm damage. First they told me they could not reissue a check that far back, then we kept talking about the first damage and the first check, and talking about it and talking about it that now they have issued the {$24000.00} check for all the repairs. Since I have done so much already, this will allow us to get new garage doors and hopefully new blown-in insulation in the attack of the house. The summers here can get to 109 degrees in the summer. This will help in the winter months also.
I have been trying for several years to get wrong information corrected on Equifax. The other credit reporting agencies have it correct but Equifax does not and will not correct the issue. They are reporting my wrong birthday. I faxed them my driver 's license and SS card but they still have not corrected the issue and closed the investigation. My confirmation for equifax was XXXX. When I try to call back, I can not reach a live person to speak with again and open another investigation. Please help me correct this. These companies have way too much power over our lives and give very little if no support to correct issues. thank you,
XX/XX/XXXX I got a lease through XXXX XXXX ( an XXXX subsidiary ) on XXXX XXXX XXXX XXXX XXXX. Before I took this lease I asked XXXX XXXX manager : Would this lease appear on my credit history in my credit report? The answer from XXXX XXXX manager was of course YES! So I started driving on this leasing vehicle on XXXX platform. XX/XX/XXXX I returned this vehicle to XXXX XXXX. From XX/XX/XXXX till XX/XX/XXXX Ive paid for this leasing vehicle total {$13000.00} by weekly, payment amount of {$150.00}. All payments has been paid on time without any delay. But unfortunately I dont see any account/report in my credit history/credit report about this leasing vehicle after Ive returned this vehicle to the XXXX XXXX. When I took this lease the XXXX XXXX did only inquire through Trans Union to run my credit history/report. But when Ive returned this leasing vehicle the XXXX XXXX didnt report to the Trans Union or other credit bureaus about this lease as their manager promised me before Ive took this lease. Ive tried to communicate and resolve this issue directly with the XXXX XXXX managers and sent them few e-mails. But unfortunately Ive got an answer from the XXXX XXXX manager that At this time XXXX XXXX does not report to the credit bureaus. The only time we work with the credit bureau ( Trans Union ) is when we review your application for the lease. Other than that, your payment history would not be reported. But when Ive asked the XXXX XXXX manager about reporting this lease to the credit bureaus before Ive took this lease the answer was YES. Whats that? If their manager had told me NO before Ive took the lease, I have gone to another leasing company and have taken another lease. The problem is the managers of the XXXX XXXX dont want to do report to the credit bureaus about my lease as they promised me before. But XXXX company and the XXXX XXXX is not a small company. Its a huge company with many offices, thousands employees and its XXXX dollars company. They can afford to provide the reports to the credit bureaus. Also they provide very expensive leases for the vehicles. Just for 1 year 8 months Ive paid {$13000.00} for the lease of XXXX XXXX XXXX Its a huge money and I hope, that I deserved fair report about this lease in my credit history/credit report because Ive paid off this huge money for this lease. Please reinvestigate this matter as soon as possible. For supporting my position enclosed are copies of : - Motor Vehicle Lease Agreement Closed-End-With Arbitration Agreement ( two parts ) - Retail Installment Sale Contract Simple Finance Charge - DMV Registration Card Valid From : XX/XX/XXXX to : XX/XX/XXXX - DMV Registration Card Valid From : XX/XX/XXXX to : XXXXXX/XX/XXXX - XXXX XXXX Returning Form - XXXX XXXX Return or Transfer Excess Wear Inspection Report - Approvement of History of All Payments From XXXX XXXX Support
I have been  trying for several years for help the last time Wells Fargo helped the lady went up on my years and on my payments so that sure did not help me. I was told take this or get out of my home by a lady at Wells Fargo when I  had hired someone to help me and the lady at the law firm said she had never heard such. But I was told to take this with higher payments or get out. Now they are trying to foreclose on me and I have begged for help and I am underw ater by 50.000 or  more and they rather loose all that than give a lower rate.Just dont understand why they rather foreclose than help me stay in my home. thanks  XXXX
I have requested multiple times to Navient for documentation proving that they own my ex-stepdaughters loan, and also proof that I co-signed for that loan. 
I have not received any of the information that I have requested. The first request was over two ( 2 ) months ago. 
The phone harrassment also continues.
well a company is trying to say i owe them a balance of XXXX from past due rent and property damage but they fail to provide evidence of the damages its just word of mouth
First Niagara Bank XXXX XXXX XXXX kept paying incoming bills even though my account had a negative balance. The account had dropped to {$3.00} but I am fighting XXXX XXXX and was too sick to get to the bank. They charged me XXXX {$37.00} NSF fees. I called to explain and a very nice customer service rep credited me the XXXX fees. This was on XX/XX/XXXX. On XX/XX/XXXX, when I looked at my account, XXXX of my bill payments were duplicated. The dates and NSF fees on these accounts were recorded on XX/XX/XXXX. However, they did n't show up when I checked my checking account on XX/XX/XXXX and neither I nor the customer service rep saw these charges on XX/XX/XXXX. I know for a fact that I did not duplicate XXXX bills although the XXXX male reps I 've had to deal with since the XXXX said they checked my XXXX address and that I authorized these XXXX bills on XXXX XXXX. I did n't. The XXXX male rep I talked to forgave XXXX {$37.00} charge and XXXX of the XXXX NSF charge ; however, my balance was still in the negative. I explained that I live on Social Security, that I am fighting XXXX XXXX, and that a look at my banking with First Niagara shows that I do n't duplicate payments and that I do n't bounce checks because I ca n't afford to do so. Now, First Niagara is charging me {$37.00} per day for having a negative balance, even though I explained that my SS check wo n't come in until XX/XX/XXXX and I do n't have the money to cover the charges they put on the account to maintain a negative balance. I asked them to not pay any incoming bill if my account did n't have the funds to cover the charge. The reps told me it was at the bank 's discretion to pay or not. These payments and fees are robbing me of money I can not spare, and have caused me terrible stress. I ca n't prove, but do believe, that a First Niagara employee used my IP address to duplicate XXXX bills so they could reap NSF fees.
CASE # XXXX ( Reply to answer ) I fid it inconceivable that a bank does not know what branch an account number is associated with. The branch is XXXX XXXX in XXXX Arizona