WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for the Citi AAdvantage Platinum Select card through the XXXX XXXX website because they offered a {$250.00} statement credit on XXXX XXXX purchases if approved for card when applying on XXXX XXXX website. I called Citi bank on XX/XX/XXXX to see if I will get the credit before I booked a {$270.00} flight with the card. The representative said she put in a request for me to get the credit and it was a guarantee that I would get the {$250.00} credit and it will show up on my bill before my first payment was due ( XX/XX/XXXX ). Because the representative said I would get the {$250.00} credit, I booked the flight shortly after our conversation. Since then, I have spoken to numerous representatives from Citi on the phone and received 2 letters in the mail saying my account is in fact, NOT eligible for the {$250.00} credit. Now that my credit card bill is due 2 days from now ( on XX/XX/XXXX ), I am paying {$250.00} more than I was expecting to pay because of the misinformation given to me. My buying the flight was contingent on getting a {$250.00} statement credit so had the representative told me the correct information in the first place that I was not eligible or that it was just a possibility, I would have done something different with my money when buying the flight and in the mean time. Now, I have a bill that I was not expecting to pay and can not afford because I was told I would absolutely, 100 % get the credit. I have spoken to many people from Citi and XXXX XXXX about this and they have not helped me. The representative from XXXX XXXX said that because I was told I would get the credit, they would honor what they said and give it to me and I still have been denied it. I am very unhappy that I was told the wrong information and now I have to pay a very large bill because of the employees at Citi.
I declared bankruptcy in 2010. among the accounts discharged was a credit card account issued by XXXX XXXX XXXX XXXX , for $ XXXX and a loan consolidation for $ XXXX, prior to which had no late payments or negativity associated with the debts. Shortly after I disputed with Experian, to remove the false late payment information reported by the credit union, and they removed them. Still the credit union, now named XXXX XXXX XXXX, reports an open credit card account for {$7500.00}. that is raising my credit to debt ratio, nice for my score, but makes obtaining new credit more difficult, as my income remains the same and there is a threshold to how much credit lenders can offer. This caused me to lose a huge opportunity when my state issued me a permit and I couldn't fund the final requirements for start-up. I have disputed many times and it is always verified by the creditor as a correct reporting. 
When contacting the credit union, I am met with a direct connection to a certain manager, whom had also transitioned to XXXX XXXX XXXX. In our brief conversations I am met with accusations of thievery and inconsolable latent hostility. They added {$2500.00} to my credit limit after my bankruptcy and wont let me close the account. I even want as far as contacting the credit card fraud department and they could not help me because the account does not exist
i had a business bank account with Citi bank for over 3 years. It was a secondary account which i have n't been using actively for over a year. I have been using it only to perform XXXX transfers of my funds from XXXX to XXXX. I have decided ti close this account and called Citi to do so. I was then informed that there is a block on my account. Apparently there was {$2.00} overdraft on this account. I was asked to go to the branch to pay the outstanding {$2.00}. I live in Louisiana, the nearest branch is in Florida. At this point I was informed that I have to pay {$2.00} and that after that I will be able to close my account. Reluctantly, I transferred {$2000.00} from my XXXX bank account to my Citi bank account, to cover {$2.00} overdraft. Once the funds were shown as available online, I have wrote myself a check for the outstanding amount of {$2000.00}, so that I can close my Citi bank account. When I deposited this check to my XXXX bank account via their Mobile banking App, XXXX of my XXXX Bank accounts got locked. I was informed I have no online access because of a fraud! I was travelling at the moment, I called my branch of XXXX bank to find out what 's going on, but nobody could provide any explanation. I called the customer service 3 times, they refused to talk to me and send me back to the branch. I was informed that I have to go there in person. It took me 7 days to get back home, and so I went to the branch of XXXX in XXXX. After XXXX sitting there, while nobody could work out what happen, XXXX agent informed me that my online/mobile access was blocked by her boss, because of the check I have wrote from Citi bank!!!!!!!! 

To summarise the situation : 1. XXXX bank blocked XXXX of my bank account, worth over {$200.00} XXXX because of a check I was trying to deposit to my bank account! I was under impression fraud was to prevent strangers to take money away from my bank account?! 
2. It is over 9 days now that I have no access to XXXX of my XXXX bank accounts, because my branch still did n't managed to sort it out ... 
3. I will be transferring those bank accounts to a different bank, so I stop chasing my XXXX bank branch to simply do their job. 
4. Citi bank refuses to close my bank account 5. When I called Citi bank they asked me to go to my branch in Florida to have this bank account unlocked 6. In spite of refusing the check I have wrote for the balance of the founds remaining in the Citi bank account, they imply that when they will unlock the account the check will still clear. I have a letter from Citibank stating the contrary, i.e. confirming that the check was refused. 
7. Now there are no sufficient funds to cover the aount of the check ( {$15.00} are missing ). Citi bank have refused the check when the funds where available, they have not informed me that the account is locked, they have charged {$15.00} of fees, 4 days after I wrote the check.
I have a mortgage loan with Ocwen. I experience some financial hardship and fell behind on my payments. During this time I was put on forbearance and subject to late fees and penalties. Example : I was charged {$1500.00} for XXXX sale deposit and this was unfair because it never went to XXXX sale because I paid the money. I was also charged a {$820.00} Motion to Relief fee which was unfair. Also, when I became current they charged BPO fees and certified mail fees. In XXXX they only applied payments made to interest and late fees none towards principal. I should not have been charged these fees because my loan was current during this time which was XXXX. I would like to receive an reconciliation statement of all my payments. Your assistance in this matter is greatly matter.
PNC Mortgage regularly tries to bill me for payoff statements I never ordered. They send these fees to people knowing that many people will pay without questioning it. At least three times they have accused me of ordering a payoff statement and tried to bill me {$15.00} for it. I called and demanded explanation. They could not provide one, but they told me a firm called " Both Hands '' is authorized to do this to me, having access to my account. My daughter is also on the account in case of my demise. My daughter has no idea what a payoff statement is, she has no reason to order that, she doesnt even have any information about PNC nor does she care. I called " Both Hands '', a foreclosure counseling service, who told me they never ordered such a thing. PNC tells me these are the only people who would be allowed to order a payoff statement, yet neither one, nor I, did. I know that PNC is extremely deceptive, they lied to me continuously throughout a modification process. I know they are claiming payoff statements are ordered when they really are n't, just to make an extra {$15.00} off of as many non-suspecting people as possible. I know they are doing this on purpose and no one will listen to me. I have complained about PNC before, when they kept lying about modification documents, saying I never sent them when I in fact did, and saying my property was in a trust which is was not, and they would use these excuses to put my home back into foreclosure status over and over and over again, and the more they did this, the more fees they would charge me and the longer it would take, which would cost me more fees. PNC is extremely deceptive and not to be trusted. They need to be investigated and shut down. They are stealing from the public, and unless government agencies are in on the deal, they should shut down PNC Mortgage.
On XX/XX/2017, We did a wire transfer of XXXX USD from my XXXX XXXXXXXX XXXX account to Coinbase wallet into their bank account. 

After About one week, I received a communication email from coinbase saying that my wire transfer has been rejected and I will receive my money back to my bank account in next 14 business days. 

I have raised multiple requests to coinbase, but every time I have been said that I have to be patient and wait for the specialist to revert back, but I have never heard anything from the coinbase specialists. 

It has been more than 2 and half months and I am still waiting for my money to be returned to my bank account.
I disputed a balance with XXXX XXXX XXXX XXXX for a auto loan in the amt of {$27000.00} thats being reported on my credit report. i received a notification that the dispute was completed. after reviewing the results and viewing nothing had changed i contacted transunion and spoke to XXXX i explained to her the information was being reported incorrectly and i wanted it corrected, she informed me that a credit report was being mailed out. i explained the information i received had today 's date but still was incorrect. she hung up on me and i think that is RUDE!!!! i called back to speak to a supervisor i got her on the phone she claimed she was a supervisor i asked her for her last name she stated it is Page. I do n't believe her but some research needs to take place this is totally unacceptable she need to be reprimanded. i want this issue resolved ... my file number is XXXX please expedite this matter as quickly as possible. thanks
Not getting results from CB directly after mailing letters and sending faxes. These inquiries are not authorized and I 'm asking for removal from Experian report. 
1 ) XXXX Bank XX/XX/2016 2 ) XXXX XX/XX/2016 3 ) XXXX XX/XX/2016 4 ) XXXX XXXX/XXXX/16 5 ) XXXX XX/XX/2016 6 ) XXXX XX/XX/2016 7 ) XXXX XX/XX/2016
{$150.00} was drafted out of my account which I didn't authorize {$18.00} XXXX XXXX XXXX XXXX   3x {$26.00} XXXX XXXX XXXX 3x {$33.00} 1x I put a stop payment on XXXX XXXX XXXX XXXX on XX/XX/XXXX and the expiration date was XX/XX/XXXX. 

chase bank did not honor the stop payment the amount went from $ XXXX {$50.00} I just put another stop payment on XX/XX/XXXX til XX/XX/XXXX for XXXX XXXX XXXX for the amount $ XXXX {$200.00} and chase bank did not honor the stop payment I did call XXXX XXXX XXXX and told them i wanted to cancel the wellness program as well as the insurance policy but they ended up taking the money out of my account any way either way they over draw my account for {$150.00} and something needs to be done I contacted the FDIC and told them about it but there never contacted the bank or me in regards to this matter and it needs to be addressed.
Midland Credit Management , Inc gave me settlement option on a XXXX XXXX  debt.The change the option to full payment after I missed, the last payment fromXXXX to XXXX.
Wells Fargo had a promotion stating you will receive a {$250.00} bonus if you open a checking account before XXXX XXXX. I opened a checking account online on XXXX XXXX, one day prior to deadline. The same day I received a welcome email indicating I would receive the bonus. Wells Fargo refuses to issue bonus even though I met the terms claiming I did not open account in time. This is false as I opened on XXXX XXXX. Please see attached documentation from Wells Fargo in email showing I opened my account before the deadline. I funded the account with {$50.00} which is twice as much as required. I ask that Wells Fargo issue bonus as promised otherwise they are falsely advertising. I have contact Wells Fargo on XXXX and they refuse to do anything claiming I did not open account in time. My account was opened before the deadline.
This company has not provided me validation of this debt. I have never done business with them, so I have no idea who they are and why they think I owe them money. While doing my research in who they are I 've also learned that their license with the Tennessee Department of Commerce has been expired since XX/XX/XXXX. They are authorized to collect on any debt without a license. I would like this debt removed from my credit reports immediately please
I have contacted ( and made disputes ) with Experian several times about a Fraudulent account appearing on my credit report. Every time I do a dispute with Experian comes back stating that the account has been " verified '' and the debt is mine. Which is completely false. Experian has not provided me with any proof of their investigation or proof that the debt is actually mine. The account in question is ... .. XXXX XXXX XXXX Account Number : XXXX ... ... .. I would like to see signed proof that I opened this account and the debt is mine. It will be impossible to furnish that proof because I have never done any business with this company.
XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 Ally Financial Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 Ally Financial Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry fromXX/XX/2018 Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry fromXX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018
2018 XX/XX/XXXX, I found out that {$25.00} has been debited from my chase premier plus checking account as service fee. I called customer service at XXXX XXXX eastern time on XX/XX/XXXX. The customer care representative informed me that the fee was levied because my combined account balance ( savings + checking ) during the XXXX statement cycle went below {$15000.00}. Nonetheless, she returned the fee as a courtesy to me. 

I checked my statement and found that my balance never went below {$15000.00} according to the statement. In contrast to the numeric evidence there was a line on the statement and I quote - " Your average qualifying deposit and investment balance was {$14000.00} ''. At this point I was not sure if I was reading the statement wrong. So, I called chase again at XXXX XXXX  eastern time. I was informed that I was not reading it wrong. 

I informed them that I would like to complain. They could not give me an email id and gave me a physical mailing address in XXXX Texas. 

I want to know if I am making a mistake in reading the account balance or understanding of qualifying deposits balance. If there is no mistake on my part, I would like to know an explanation of what caused such a huge error.
I am employed by a   XXXX   and insured by the  XXXX .   I ha d a Drs. visit  that was not filed with my insurance correctly.   Whatever the confusion, the debt was sent to debt collection before I ever received insurance information.   A company name d Harris and Harris sta rted calling me sometimes twice a day.   I called them and found that this was an incorrectly handled insurance issue.   I called th e Drs. Office and s traightened out the issues. My insurance then covered the visit.   I am still receiving calls-sometimes robo-even though this has been settled.
This complaint is against Great Lakes Student Loan Servicing. 

I have a Parent Plus loan with Great Lakes. My daughter makes all the payments. She pays {$50.00} a month as agreed. The payments are automatically withdrawn. She has not missed a payment in the past 18 months and we expected that by now this would be back into repayment status and out of default. 

I am seeking to be a first time home buyer. I can not get a mortgage until my credit report shows the default is removed. 
My daughter has been in contact with Great Lakes over the passed year asking how to get this loan out of default, but she was told only by paying it off in full. I didn't believe this to be such a harsh truth. 

I contacted Great Lakes onXX/XX/XXXX and asked how I could bring it out of default status. I was told that it can not come out of default except to 1 ) pay it in full or 2 ) consolidate it. 

I do not have the {$19000.00}. ( The original loan is {$16000.00}, but they have added fees ). 
Thus I have requested a consolidation from XXXX XXXX, where my loans are. I work for a non profit and I have my loans all consolidated- some that originated with Great Lakes. I asked Great Lakes why this loan was left out, and the response was that I never had any other Great Lakes loan. ( I had my own, plus another of my daughter 's consolidated that were Great Lakes. ) XXXX XXXX is very helpful and is expediting the processing of the consolidation on their end. It's just a matter of Great Lakes responding to the request. I called Great Lakes again today ( XX/XX/XXXX ) to request that they expedite on their end so that my loan can be removed from Default so that I may still get the opportunity to purchase a home. ( I have a window of affordable opportunity that is rare. ) The loan counseloXXXX was not concerning herself with assisting my request. She acknowledged that the XXXX XXXX consolidation request had been received, but it might not be processed for 90 days and if I didn't agree to a payment today that I could get my wages garnished. Her concern was to get me to pay {$70.00} payment today. I reminded her that my daughter 's automatic payment {$50.00} comes to them on the 23 every month. The representative insisted that I make a payment of {$70.00} today and implied that if I did not that I was not being cooperative therefore they would have to take action. I asked to speak with the Consolidation department but she said, " They are behind closed doors and no one gets to speak with them. '' I had to hang up because I felt harassed and not reaching resolve. 

It seems that Great Lakes is trying to hold on to the loan for a few more months to collect " {$70.00} of interest that is accruing each month. '' This is serious predatory lending especially if they request a garnishment of my wages when I have applied for a consolidation out their servicing.
My Macy 's credit card was stolen on XXXX XXXX. Fraudulent charges were made on XXXX XXXX. I did not know my card was stolen until XXXX XXXX when Macy 's attempted to take an automatic payment from my bank account. I immediately called and reported the card stolen and asked for the paperwork for a fraud claim. I called back in the beginning of XXXX ( two weeks later ) to ask why I had not received the paperwork. Macy 's informed me that they did not cancel my card or list that it was stolen. I have received a statement each month since XXXX listing the fraudulent charges as being past due, including late penalty charges. In XXXX, I received a call from a collections agency. When I contacted Macy 's they informed me that their computer systems canceled my fraud claim some time in XXXX, but that they had re-opened it. The representative said that they would email the agency to cancel the calls. The I received another collections call on XXXX XXXX. When I called Macy 's they told me that the investigation had not been started, but that it would be " moved up '' in the list and would be resolved within 60 days. They also informed me that each month I was not paying the charges would be a negative hit to my credit score. They told me that they would email, again, the collections agency to ask for the calls to stop. I called again on XXXX XXXX, to confirm that the case would be resolved by XXXX XXXX and to get an update on the case. The representative confirmed that the case would be resolved by XXXX XXXX, but stated that no investigation had been started.. Today XXXX XXXX XXXX ) I received another call from a collections agency. When I spoke to the representative, they again told me they would email the company, but that nothing had been done to resolve my account. I still receive a statement each month listing finance charges for late fees for the stolen funds.
see complaint # XXXX ( open ) and # XXXX ( why did you close this one ) Status of my complaint and all documentation proving the fraud ... ..please make bank of america compensate me for what they have done. 

On XXXX XXXX, 2008 I was set up by XXXX XXXX XXXX fraudulent transfer of warranty deed and XXXX XXXX Bank of America fraudulently finished me off. 

XXXX XXXX property fraudulently on XXXX ( who paid the money to do this since my policy did not take effect until XXXX? and I did not sign nor take possession until XXXX? ) -Effective date of title policy XXXX why this date? 

-I paid {$420.00} premium for XXXX XXXX insurance on what date did you receive payment? 

-Securitized pooling certificates do not transfer ownership EVER and they were FHA insured # XXXX. ( XXXX signed papers and title was clouded at signing title XXXX ) -DEED of Trust XXXX ( XXXX ) I never owned the property but I was lied to stating I owned the property for I made down payment and payments and a fraudulent warranty deed that stated I did. 

XXXX XXXX " states '' Bank of America had note XXXX AND investors were Bank of America NA see SEC filing from XXXX for securitized pooling certificates -XXXX Opened back door for illegal court recording and that is how XXXX ( new policy for new property owner for title policy/Company follows property -no recording fees-investors of XXXX ) and BAC ( foreclosures and FHA insurance on SPV certificates-Government bailout-investors of BAC ) made millions.. 

-property auctioned off XXXX - DEED of Trust recorded to Bank of America transferred XXXX after home auctioned off Remember XXXX in XXXX? 

After all these years of abuse, loss, homelessness I have continued a search for TRUTH as to what happened to me XXXX and XXXX. I was set up before I ever signed the papers on XXXX. All the players involved from the day I looked at the property located at XXXX XXXX XXXX, XXXX, MO XXXX until XXXX, all I was, was a file #, property address and property value. This enabled XXXX XXXX, all the people in between including XXXX XXXX XXXX and Bank of America to make millions of dollars off of all the " securitized pooling certificates. '' Social security number + property address + property value = revenue for XXXX and BAC Remember XXXX in XXXX? 

Not one of you saw me as a person with the hurt and pain that you put on me.
I have XXXX in loans and the repayment plans maximize your interest. I am on a payment plan and I am getting no where with them. Each time I set up a payment plan, it maximizes the interest and nothing gets paid on the principal balance. While this is happening, I am still occurring Intrest even though I am paying on it every month. It 's hard to pay something off when you keep occurring charges.