WillisBack/dataset-financial-user-claim huggingface dataset:
What is the complaint about? 
Capital One negligently refuses to credit my account from a third party vendor ( XXXX XXXX for a purchase XXXX {$670.00} XXXX back in XXXX XXXX, XXXX even though that vendor XXXX XXXX XXXX agreed to credit my account {$570.00} minus a {$100.00} change fee on XXXX, XXXX, XXXX. I have spoken to Capital One customer service reps for months in XXXX trying to confirm that they received the information that they needed from me and not once did they say the information they needed was delayed. They failed to process my return in good faith and were deliberate in continuing to keep the amount on my credit card. Not only that, multiple rebills appear on my statements.
I was part of the Greentree LLC Debt collection process with my Mortgage Loan via XXXX and was never included in the class action lawsuit. Is there anything I can do to claim any monetary funds due to the issues they caused my credit report, finances, etc.? Please let me know and thank you again for your time! WE were all taken advantage of by them!
Three times in the last two months I sent Equifax a copy of my drivers license, power bill, as requested. I got a form letter telling me I received my free report from them in the last year, and to purchase my credit file with a credit card. NO I HAVE NOT RECEIVED MY FREE REPORT FROM THEM SINCE XX/XX/XXXX Repeatedly I respond with the same information to no avail. I am entitled to my report and I want it - NOW. They do not give any way to contact them online without answering the same information over and over. My paperwork was lost in Tropical storm XX/XX/XXXX so I do n't know all the answers to their questions anymore. If they bothered to read my letters they would see why I need my report. All they want is to pressure people who need their reports into paying for them. This happened since XX/XX/XXXX but I did not take time to report them. Attached are copies of previous letter and material sent pay stub, birth certificate and more showing my address and who I am when requesting my free annual credit report
I electronically sent a 2 payments totalling a full payment to Citi Double Cash ( XXXX XXXX, 2016 and XXXX XXXX, 2016 ) before a XXXX XXXX, 2016 due date and was assessed interest when my second payment was not processed until XXXX XXXX, 2016. On XXXX XXXX, 2016 I was assessed interest of {$10.00} because Citi claims I did not pay in full by XXXX XXXX, 2016. This was not a case of late payment, just a case of payment processing past the due date. On XXXX XXXX, 2016 and XXXX XXXX, 2016, I sent in a combined full payment to Citi Double Cash before the XXXX XXXX, 2016 due date and was again assessed interest of {$17.00} on XXXX XXXX, 2016. I challenged the XXXX XXXX, 2016 interest because my XXXX payment was processed well before the due date. I was told that Citi is allowed to charge interest for AT LEAST 2 months, whether or not full payments are made by the due dates, if a payment is processed late. I checked my other credit card terms and none of them has this abusive means to collect at least 2 months of interest. Here 's what Citi claims they have a right to do. 

" If you do not pay the New Balance in full by the due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing periods in a row. ''
I have been in contact with this company since  XXXX   2016  regarding my balance on my account. There was a double transaction made for a purchase someone did with me  and   one of  there charges was disputed. Since then my account was permanently closed but I still have a {$500.00} balance remaining that they will not release. I have called and emailed numerous times and keep being told to verify identity and afterwards I 'm told the account has to remain closed. I have expressed I will NEVER use them again so it is fine to close my account but I am entitled to my money. I contacted someone on  XXXX   XXXX  and after looking they had me send in a form for a Google wallet balance refund request and I was advised that it would take 10 days to deposit into my account. I called back on  XXXX   XXXX  and spoke with someone else that said it was don e but a specialist ne eded to review the account and how they had been trying to refund since last year but the bank account on file was no longer active. I was told I would get a follow up on  24-48 hour s and again I heard nothing!! I called back again on  XXXX   XXXX  and a representative had me refill out the form while he was on the phone and ensured me I would be refunded my balance on the account. However the next day I received an email saying he sent it to a  specialist  and they have to investigate prior to my refund! It has been a year and 7 months this company had my money. How much investigating can you do!!!! I would never recommend this service and for it to be  Google  o expected way better service than what I have been given. I will be closing every last gmail service accoun t I o wn and never using them again!!!
We wrote to you very recently regarding a defective item charged on our credit card which the merchant has not in good will tried to resolve for us. Discover also failed to resolve this issue for us, but also sadly is failing to HEAR us. 

We are not disputing the validity of the charge, we are disputing the item or product sold to us as defective. The item is a body kit for a 2008 XXXX XXXX XXXX. The body kit was not immediately installed because it fell to the very bottom of what we were prioritizing at the time : Moving from XXXX XXXX XXXX to XXXX XXXX, my husband 's status as a XXXX Veteran, my ten ( 10 ) month period of XXXX due to a severe injury, the sudden and unexpected death of our beloved dog and faithful protector, XXXX, who supported my husband thru his XXXX for over eleven ( 11 ) years, and many other things that took precedence at the time. 

In the interim, the merchant issued a credit of {$100.00} because the tail lights were never delivered to us as they had been discontinued. 

When we finally had the time, the space, the health and the money to have the kit installed by our body shop, ( which may have occurred after a respite of many months ), we were advised by our body shop that the kit sold to us by this merchant did NOT fit. The body shop gave us an estimate for their work and clearly noted that this kit does not fit, and as such, was defective and not usable. 

It appears Discover 's basis for not mediating on our behalf and simply taking the merchant 's word, or testimony, ( though I would like to point out that no one from Discover has ever spoken to either of us thus far, to take our statement of facts ), Discover used as a basis to side with this merchant, the fact that we waited too long to install the kit and dispute the item. 

For the many reasons noted above, the installation of a vehicle body kit was not a priority at the time. But regardless, the fact we waited to have the kit installed is irrelevant and should not be a basis to disprove our case and side with the merchant. 

It also appears that Discover sided with the merchant on the basis that, as they contend, the merchant issued a {$100.00} credit to us in XXXX. The merchant did issue a credit, which we did not remotely remember, hence, no reference was made about it. However, the fact that a credit was issued by the merchant, because they failed to deliver the tail lights which we had paid upfront, does not absolve them, nor does it resolve this issue, nor does it discredit or weaken our position. The reason the merchant issued a credit of {$100.00} in XXXX was because the tail lights were never delivered as they had been discontinued. 

The crux of our complaint is that the item, in its entirety, was sold to us as a defective item. It does not fit our 2008 XXXX XXXX XXXX. 

We implore CFPB, Discover and specifically, Senior Associate, XXXX XXXX XXXX, from the Executive Office of Customer Advocacy, to please, as his Office indicates, please advocate on our behalf. This merchant is not acting in goodwill ; the merchant, whom we can only reach by phone, flatly refused to take the item. The item, which is still new and unused, is defective,
This is a complaint filed against Cedars Business Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX After five years since my visit to XXXX, I've received notice of an unpaid ticket from the city of XXXX, XXXX. There are no dates, specific location or any information of the alleged offence. After doing some digging in the internet, I learned that this company tries to scam money out of people who travel overseas. It is therefore that I am filing this complaint against Cedars Business Services.
I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have one collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been. Disputed inquires were removed then reapplied.
I have been a victim of fraud and identity theft and have made this known to the 3 credit agencies XXXX XXXX, Equifax, and XXXX. However they are reporting errors on the credit report and profile they have set up for me. 

I have repeatedly asked for evidence of the verifiable proof to support the reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by any of these creditors substantiating their claims. These negative events that are being reported by their agency are erroneous and false. Furthermore, I have also requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, XXXX Dear XXXXureau of Consumer Financial Protection : I am hoping for your assistance with a matter which, I fear, will turn problematic in the near future. It involves my optometric practice and its relationship with an institution known as EverBank Financial, which may have formerly been a subsidiary of XXXX XXXX XXXX and is now owned by a finance and banking company which goes by the name of TIAA , FSB. I have been informed that the EverBank nomicker still exists under the control of TIAA , FSB. 

Three years ago XXXX XXXX of XXXX ), I entered into an agreement with EverBank to purchase a piece of examination equipment. This agreement was facilitated by the manufacturer of the instrument, XXXX XXXX. To my understanding ( and also to the understanding of the XXXX representative ), my agreement with EverBank was to be a loan, one which could be paid off in advance if I so desired. 

On XXXX XXXX, XXXX, I took advantage of that option. I made a lump sum payment to EverBank to the exact penny of what EverBank said I owed if I was to pay in full ahead of schedule. Any final lump sum payment to pay off my debt was to be done at a discount from that which I would have to pay were I to continue with payments. I have that very specific documentation in an email from EverBank because I requested that information in order to make the proper payoff payment. [ I will gladly provide this evidence as well as a detailed expose of the bullying manner in which I have been treated by EverBank from the time our relationship commenced, if requested. I have pages upon pages of documentation ].
My obligation to EverBank is now fulfilled. Nevertheless, I continue to receive monthly statements from them in which they subtract the normal monthly payment from my large credit balance. 

My suspicion is that when EverBank makes the debit which finally zeroes my balance, they will find that I still owe a substantial amount of money. They have never been forthright and honest with me and do not know why it should be any different at that point. 

What I want right now is a letter which dismisses my obligation, a so-called Paid in Full notification. This is something which EverBank has been unwilling to provide, in spite of repeated requests through registered mail. I have never even received a response. 

Would you please help me get what is only right that they provide? I would greatly appreciate your assistance in any way you can. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX.
Dear XXXX : I would like to report of wrong information about my name and social security number As reported by Experian Credit Agency XXXX 
( 1 ) they have posted wrong social Security Number on my report. The number they have posted for last XXXX digits XXXX are not mine. 
( 2 ) they have reported my another name as XXXX XXXX. That name does not belong to me at all. I have never ever changed my name. My real and original name is XXXX XXXX And as such they have accepted collection charges from unauthorized agency and posted on my report. 
May I ask your help as how can I get this corrected. In spite of my disputing these points With Experian, they have not taken any action nor they have responded. 
Thanking you XXXX XXXX
I made a purchase on XXXX XXXX, 2016 at XXXX through Xoom.com of a {$17.00} United States XXXX for a phone reload of {$16.00} United States XXXX for the amount of {$300.00} XXXX pesos, which incurred a transaction fee of {$.00} United States XXXX to add up to the {$17.00} XXXX. The phone carrier in XXXX is XXXX. The number for which I processed the reload is XXXX. The Xoom tracking number is XXXX and the recipient is XXXX XXXX XXXX, my wife. 

The transaction did not go through and I have asked xoom.com to return my money and they say that they can not do it because the money has been deposited to the carrier, which is not true. 

I am seeking the full refund of my {$17.00} United States XXXX because the company has not provided the service they promised. 

I am waiting for them to do something. 

Thank you, XXXX
In XX/XX/XXXX I began my undergraduate studies with the XXXX  XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. I began my graduate studies in XX/XX/XXXX with XXXX  XXXX XXXX and completed my graduate studies in XX/XX/XXXX. I was also enrolled at the XXXX  XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their graduate level Project Management Certificate Program, these credits were later applied to a graduate degree in project management with the XXXX  XXXX XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the XXXX XXXX  XXXX XXXX ( XXXX ) program for my student loans. On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my total and permanent XXXX. In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. Additionally, I had 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. On my Experian credit report I have multiple accounts listed that are duplicates : Experian XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXX XXXX XXXXT XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXXXXXX XXXX XXXX   XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXXXXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
VERY SIMPLE. 

My bankruptcy is now TEN years old and should be removed from my credit report. 
I realize that it is due to come off in XX/XX/XXXX I believe, but I asking, in a SHOW of HUMANITY that Trans Union remove it now, just a few months early. I have worked very hard to re-build my credit after losing my XXXX, and I see no logical reason for Trans Union to insist on leaving this on my report, when clearly, TEN YEARS HAVE PASSED. 

Public Record Details Reference Number XXXX Date Filed XX/XX/2007 Date XX/XX/2007 Status Discharged Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details TENNESSEE FEDERAL COURT- XXXX XXXX XXXX XXXX , TN XXXX XXXX THANK YOU.
I have contacted Ally Financial several times regarding a negative report on my credit file. Ally Financial is reporting my payment for the month of XXXX was late. At the time my payments were due on the XXXX of each month. I made a payment on XX/XX/XXXX of {$1300.00}. Contacted Ally to change my due date and was told I had to pay {$140.00} to change my due date from the XXXX to the XXXX. I paid {$140.00} on XXXX. My new payment date would not take effect until the next month XXXX. Ally can not explain to me how my XXXX payment was late in the several calls i have made. I am just told they can put in a dispute that takes 30 day only for me to get a letter that says their right with no other explanation. I called again and was told i could not talk to the credit department that reviewed my account but that they could put in another dispute that takes another 30 days. This is unacceptable. I need Ally to explain how my payment was over 30 days late for the month of XXXX.
Discover Student Loans has misreported or duplicated hard inquiries to XXXX causing an error on my credit report. A hard inquiry was reported on both XX/XX/XXXX and XX/XX/XXXX by " XXXX XXXX XXXX ''. I requested that they please correct this mis-reporting as there is no reason for there to be hard inquiries run on consecutive days and this impacts my credit score. 

XX/XX/XXXX : Initially reported to Discover via online account message system. 
XX/XX/XXXX : Received feedback from DSL that they do not show the two hard inquires reported. They required a copy of my credit report. 
XX/XX/XXXX : Provided screen shot of data on credit report as requested, via XXXX. 
XX/XX/XXXX : Received response that they have received the provided document. 
XX/XX/XXXX : Requested status update. 
XX/XX/XXXX : Received response that additional time was required to review the issue. 
XX/XX/XXXX : Requested status update. 
XX/XX/XXXX : Received response that additional time was required to review the issue. 
XX/XX/XXXX : Requested status update.
Citibank previously announced that it is terminating its co-branded credit card relationship with XXXX XXXX at years end. As a current cardholder of a Citibank XXXX XXXX XXXX XXXX XXXX card, Citi notified me via email on XX/XX/XXXX that my account is being transferred to XXXX XXXX on XX/XX/XXXX. Citibank via telephone that they have sold my account to XXXX XXXX and that " this was a business decision. '' Citi has sold my account information without authorization. Citi has charged an annual fee ( appox 6 months ago ) and has not, as of yet offered a pro rata refund of the annual fee.
On XX/XX/XXXX I refinanced my FHA loan with the XXXX to lower the interest rate from 4 % to 3.4 %. The loan office XXXX greatly miscalculated the monthly escrow amount and put my monthly property taxes at {$40.00} a month, totaling $ 480 year. However the correct amount should be around {$330.00} a month totaling {$3900.00} a year for property taxes. This is now going to cause a shortage to where I have to come up with over {$3000.00} within 12 months to cover this year property taxes, and the monthly mortgage payment will go up by at least {$300.00} a month to correctly cover future property taxes. 
On XX/XX/XXXX XXXX I spoke with customer service rep. XXXX at the XXXX and she informed me that on the original loan though them they were taking out {$350.00} a month for property taxes but now on the new loan it went down to {$40.00} a month. She was unable to provide an explanation on why they decreased it and so she transferred me to their XXXX department. 
I then spoke with XXXX who informed me the property taxes where off because they were less in XX/XX/XXXX. However he was not able to explain where they decrease the monthly property tax amount from {$350.00} to {$40.00} a month on this new loan. Furthermore I explained to him that I told the loan office at time of refinancing that I did received a supplemental tax bill and the property taxes are going up. I also noted 99 % of people in XXXX that do not pay {$40.00} a month or ever close to that for property taxes, and it made no sense for XXXX to lower it to {$40.00} a mo. He then messaged for a supervisor to call me. 
XX/XX/XXXX XXXX I received a call from a XXXX named XXXX at the XXXX XXXX department He stated he is " confused '' to why they decreased the monthly property tax from {$350.00} to {$40.00} a mo. and also agreed with me that is ridiculous that it was set for only {$40.00} a month. I then stated you guys need to do whatever you need to do on your end to make this right and I do not want the monthly payment to go up and do not want an additional bill to cover the loan shortage. He informed me that he needs to now speak with a supervisor in Customer service and a supervisor in their refinancing dept. to figure out what happened, and how to fix this. He then advised me that someone will be contacting me. 
XX/XX/XXXX XXXX I received a call from XXXX XXXX XXXX XXXX XXXX XXXX Department ( XXXX While not admitting wrong doing, or able to provide an explanation on the Escrow calculation errors. She was apologetic for these errors with the loan, and asked what I would like to happen to resolve this. I then stated I would like to be reimburse the {$5500.00} for the closing cost, the monthly payment shall not be any higher then original monthly payment, and loan must not be extended. She then explained she will need to speak with her XXXX to go over everything that happened with loan, and will then call me back. 

CFPB please note : Since this issue is still not resolved, I 'm submitting this complaint to you. I need your expertise, oversight, and any additional support that you XXXX provide
XXXX continues to report an account to my credit report that was in previously opened and charges made without my permission the account was included in a Bankruptcy filing due to prior Id error the account was removed and added back to my credit file without prior warning