WillisBack/dataset-financial-user-claim huggingface dataset:
I authorized mortgage company to automatically debit my checking account each month in the amount of my mortgage. When I submit an extra payment to be applied to principal, the lender does not apply the additional payment to principal, but instead applies the amount to my next scheduled payment. I have called to complain about this and was told that the only way to effectuate an additional principal payment was to send it in during the 7 days following my automatic payment but prior to the end of the calendar month. I think that is an unethical practice designed to prevent consumers from paying off principal.
We disputed XXXX XXXX XXXX with Equifax on both myself and my spouse ( XXXX XXXX ), We even went to Court to bring an end to this dispute. We went through the Magistrate Court of XXXX County which brought an end to the dispute. The matter is now Closed and this was sent to Equifax to have the matter to remain after repeated request and the court documents to Remove and close this matter. It appears that Equifax shows positive items as negative stated Sells of Accounts that actually are Insurance disputes. We have had numerous complaints as well as a contact of Equifax being sued under a Class Action for the same thing. We need your assistance as my wife filed a claim under XXXX.
Company  : Credit Control Company I h ad insurance with   XXXX   and I did n't renew the policy but   XXXX   kept the policy going without a payment so now I am being harassed by the collection agency they have hired to collect the amount that I do not owe. My complaint is this compan y Credit Control Company has reported the same account on my credit report   XXXX   times in one month an d the account is showing up on both my  XXXX  credit report and my  XXXX  credit report which is impacting my credit very negatively. The company has not done anything to correct their error. Both credit companies send me alerts due to prior attempts of fraud in my name. This company is shady and they have no regard for the damage they are causing. The representatives are rude and will not let me speak with a higher official to resolve the issue they advised they will keep reporting it until it is paid. And to my knowledge it is illegal for the same account to be reported over and over again on my credit file. The amount is for {$190.00} they reported this account on  XX/XX/XXXX  , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX  las t conversation with their company was today @ approximately  XXXX  in which the rep stated they need my full credit report to be faxed over and that I will not be doing because I 'm sure they can see each time they reported this account. The account is not new they keep reporting it like it 's a new collection account every time they submit the information to  XXXX  and  XXXX . This account goes back to  XX/XX/XXXX .
Trident Asset Management is r eporting a   XXXX    colle ction accounts on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted.  <P/> Account Numbers :  XXXX  and  XXXX   1.  On   XXXX    they are listing the account type as " open '' when it should be a collection.  <P/>  2.  On  XXXX , they are reporting an address of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  when that address is no where on their website o r BBB profil e. How can they have different address on each report?   XXXX    shows the address of  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  which is on their website.  <P/>  3.They  never sent me proof they are able to collect this debt, such as a bill of sale, or any letters from the  XXXX  or   XXXX   XXXX   XXXX    saying they can  collect this debt.  <P/>  4.  On  XXXX  they have their name as TridentAsset.com but on   XXXX   they list  Trident Asset Management. How can they have  XXXX  different names on   XXXX   different reports.
A check drawn dated XXXX/XXXX/2017 on my XXXX checking account was written to my sister and mailed from my home mailbox in Florida and was addressed to go to Ohio. However, the check cleared my account on the date that I wrote it and placed it in the mailbox. This alerted me to the fact that there was a problem with who had negotiated the check. The check has no signed endorsement and was processed by Wells Fargo Bank. XXXX XXXX XXXX had me complete their Fraud Statement of Claimant form. The payee of the check also signed this form declaring that they had not negotiated the check. On XXXX/XXXX/2017 XXXX claims to have mailed a Demand Letter to Wells Fargo. XXXX has not given me any credit for the funds debited from my account. Upon inquiry of the claim status, XXXX representatives stated that I needed to wait 120 days for WFB to respond. On XXXX/XXXX/2017 I called XXXX again, and pushed to speak with a representative, who did a follow-up with WFB. On XXXX XXXX, 2017 XXXX states they emailed an inquiry to WFB. On XXXX/XXXX/2017, I called XXXX and they stated they received an email from WFB on XXXX/XXXX/17 stating the claim was " pending research ''. Wells Fargo accepted a check by one of their customers who negotiated a check fraudulently through WFB. Why is it taking so long for WFB to research the transaction?? I am sitting waiting to receive my {$110.00} back from WFB because they are responsible for the payee signature or lack there of, and processing this check for their customer who committed fraud.
I used XXXX for years at {$9.00} a month, with no problems until Experian.com, the credit reporting company, merged them into their systems and they converted my account into an Experian account. Right off the bat their were issues, I could not access my account the first two months. When I finally got access they billed me for approximately {$70.00}. I called them to resolve the charges and all was ok until the following day when I received a cancellation notice from Experian. I called to complain and they stated that it is standard practice to cancel an account when a refund is processed, even if it is their billing mistake. I was floored, so in essence according to Experian they have never generated an incorrect bill and if you do not pay you get the boot and must change services, as if there are many credit report monitoring services to choose from.
On XXXX XXXX 2017 my credit report was pulled by Target, which was not authorized. There is a consumer statement on my credit report requiring all lenders to call me before extending credit in my name. Target called and I told them I did not request a Target Credit Card nor did/do I give them authorization to pull my credit report. I instructed them to remove any inquires from my credit report, which still has not been done.
XXXX XXXX responded to a complaint several months ago and agreed to remove incorrect information from credit reports due to fraud. The information still reports negatively on my credit report and I want this to be removed immediately. Please find the response that was provided by them several months ago. This incorrect information continues to reflect negatively and lowers my score. Additionally, I have attached the court decision which reflects the case being dismissed by the court. Previous response : XXXX XXXX, 2016 Re : XXXX XXXX XXXX CFPB Case : XXXX XXXX Ref # : XXXX OC Account # ending : XXXX XXXX XXXX : We are in receipt of your correspondence from the CFPB Complaint Database, CFPB Case Number XXXX and have reviewed your complaint and discussed this with our servicing attorney as well as XXXX XXXX XXXX. Our company holds the Fair Debt Collection Practices Act and all other Federal and State laws in the highest regards and enforcement of those laws as a priority in our office. In your complaint you stated that you believe you were a possible victim of identity theft. You had asked for the information that was used to create the XXXX XXXX account when you spoke to them and that you ultimately believe it was a down an out family member who may have opened up the account fraudulently in your name. XXXX XXXX , XXXX is a passive debt-buying company meaning that we purchase the accounts and outsource the collection effort to our collection agencies and law firms. After contacting XXXX XXXX to obtain the information used to open the credit card, XXXX XXXX , XXXX has decided to no longer pursue collection on this account based on these factors as well as your belief that it was opened fraudulently by a family member. We have contracted XXXX XXXX XXXX XXXX to vacate the judgment, dismiss the court case against you and close the file. We have also reached out on your behalf to ask that XXXX XXXX remove this credit card from your credit bureau. This could take up to 45 days to be removed from your credit bureaus. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the CFPB and allowing XXXX XXXX , XXXX a chance to review your case thoroughly with our attorney and resolve this situation on your behalf. See attached word document!
I opened a checking account with Citi Bank on XX/XX/2018, with a promotional offer of a {$400.00} bonus if I maintained a balance of {$15000.00} for 60 days. The terms stated that the bonus would post at most 90 days after the expiration of the 60 days from the date of deposit. I had contacted Citi several times over the course of the 150 days to make sure my account was eligible and the terms had been met satisfactorily. 

The bonus is similar to the one currently offered here - https : //banking.citi.comXXXX XXXXXXXX & XXXX Most recently, I was told that the bonus post on XX/XX/18. On XX/XX/18, I had contacted Citi to see why my bonus didn't post, and was not given any clear answer, other than that it needs to be investigated. I have had several Citi investigations never be resolved, so I'm submitting this complaint to try to get a resolution at a level higher than entry level Customer Service.
I signed up for Citigold Checking a couple months back with the AA miles promotion. I verified twice that I was both eligible and I met the requirements for the bonus ( two attached screenshots ). 

At that point they said to wait until XXXX for the points to post. I contacted them again today ( XXXX ) and now they said the bonus does not apply to me because I was n't targeted. I 've been charged a {$30.00} service fee in the meantime.
I previously filed a complaint against American Express with the Consumer Finance Protection Bureau for this matter and that complaint number is XXXX. The original issue remains in that I was promised a referral bonus if the person I referred was approved for a new credit card, in this case the XXXX XXXX XXXX XXXX XXXX. The original details of the issue are documented in complain XXXX and a copy of that complaint is attached to this complaint for reference. 

The reason for this second complaint is that American Express responded to the original complaint and stated that they deposited the XXXX XXXX points for the referral bonus. They did not. I verified with XXXX that American Express did not deposit the XXXX points at or around the date they said they did, and also confirmed with XXXX that at no time during 2018 did American Express deposit any XXXX points into my account. 

Therefore, American Express negligently claimed it had resolved the problem when in fact it did not. 

I am requesting again that American Express deposit the XXXX XXXX points that it owes me for the successful referral I made to their benefit and now I am asking for an additional XXXX XXXX points because of the several hours of time it has taken to document this issue and communicate with American Express, XXXX, and the Consumer Finance Protection Bureau regarding this issue.
I opened a Citi Diamond Preferred credit card with a credit line of {$3700.00} with {$1200.00} available for balance transfer ( 0 % for 19 months ). I activated the card by phone, and set up a user name and password online, and indicated I would be interested in a balance transfer to XXXX XXXX. On XXXX I set up a {$1200.00} balance transfer to XXXX XXXX for mid XXXX, but had a {$980.00} airline ticket refund, so immediately called back to CitiCard to cancel the {$1200.00} transfer and initiate a {$270.00} transfer to pay off the remaining XXXX XXXX balance. Following this, I checked on line through chat service and many times looked at my transaction lists to make sure this was processed correctly, even called back to make sure the {$270.00} would clear in time. 

In a surprise to me, on Monday XXXX CitiCard processed a {$1000.00} balance transfer to XXXX XXXX, giving me a negative {$1000.00} credit limit with XXXX XXXX. I called on XXXX to CitiCard to ask what this {$1000.00} balance transfer was, and was told I iniated this on line. I asked how I couldnt be informed of this when I called, and how was I allowed to do redundant transfers to the same company, and how this {$1000.00} transfer did not even show up on my transaction list as pending ... They had no answers, and XXXX badge XXXX told me they must have assumed I knew, and I should call XXXX XXXX to refund. Bottom line, CitiCard withheld basic account balance information from me on multiple occasions and allowed for redundant balance transfers. This was very poor customer service and a complete waste of time.
On XX/XX/2018, I transferred USD XXXX from my brokerage account at XXXX to my bank account at HSBC XXXX XXXX. The bank delayed my transfer for quite long time. After my complain ( Case # XXXX ) on your website, we got the money on our HSBC bank account on XX/XX/2018 and got apology letter from HSBC customer service as attached. But on XX/XX/2018, HSBC Bank suddenly returned my money to my brokerage account without any notice. We called XXXX XXXX XXXX customer service and the customer service person replied that she can't do anything and the relevant department didn't want to give any explanation. I also sent following email to the customer service manager of HSBC XXXX XXXX   twice but got no reply : " On Sat, XX/XX/2018 at XXXX XXXX, XXXX XXXX <XXXX> wrote to <XXXX> : Dear XXXX, Regarding our transfer of USD XXXX from our XXXX account to our account XXXX in your bank, though the money arrived to our account on XXXX XXXX, the arrived money was returned to our XXXX brokerage account on XXXX XXXX. We didn't make such transfer and found the return was generated by system. We contacted XXXX and XXXX replied that it was not generated by XXXX and XXXX just received that money from your bank. Pls check whether your bank system generated this return transaction and explain the reason to us. Our family need to pay my son 's tuition and moving home expense in XXXX ( this month ). The delay of last transfer and this time 's automatic return by system caused us not only wasting a lot of our time and efforts but also worries and mental stress of potential default. It caused my wife 's XXXX XXXX. 

Looking forward to getting your prompt reply. 

Thanks Best, XXXX XXXX XXXX XXXX XXXX XXXX "
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am having banking institution issues XXXX XXXX XXXX XXXX - Banking Institution Issues - On XX/XX/XXXX, they said that I reached my spending limit and didn't warn me. Money unable to be spent or moved or touched in my account until the beginning of next month. On XX/XX/XXXX, I explained to them that I needed to pay bills, rent and have a XXXX at the end of the month, yet they are saying they can't help. This bank is not supervised by the FDIC and I do not trust them.
I received received a summons from a collection agency regarding a very old auto debt from XX/XX/2004. I believe that this collection agency is unfounded in filing the summons, as the statute of limitations for collections in the state of NC is three years, and this debt is now fourteen years old.
Dear sir/madamas I was going through my credit report on XXXX and XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called MIDLAND FUNDING LLC any time I dispute the account, they kept sending a letter to my home address with a diffrent recipient name on it. Said they investigated the dispute and notice it was mine. First I have never had any account with MIDLAND FUNDING. Second, They have to explain which address I was living when I acquired this debt. .I do n't know how they got my social security and my date of birth because I know I have never had any account with MIDLAND FUNDING or any of it affiliates. 
I am requesting that MIDLAND FUNDING LLC or any of their affiliates should remove such negative statement from my credit report. 
I copy this account number from my XXXX credit report with Midland funding name on it XXXX
I wrote a check in the amount of {$1500.00} to a business ( with a business name ) in XXXX Texas on XXXX/XXXX/XXXX. The check was stolen and deposited into someone 's personal account at XXXX XXXX. It was not endorsed by the payee but instead signed by an individual. Yet Chase bank ( my bank and the payee 's bank ) honored the check anyway, took the money from my account, and paid the individual that was not the payee. 

I learned of this the following day and notified Chase bank. They required me to fill out and submit an affidavit. Which I did immediately. Months passed and I followed up every week, then In XXXX XXXX Chase requested and affidavit from the Payee. That was done immediately. 

Since then I have gotten the runaround, and still my money has not been returned. I have supported their efforts to find the thief, yet more than 5 months have passed and Chase refuses to return my money until they get the money back from the thief, even though they paid the thief, someone other than the payee. I have no control over that. There was no fraud on my end. No one claimed to be me, nor did they claim to be the payee. The check was stolen and Chase paid it without verifying they were the payee. This is their mistake, not mine. 

I have called the Chase fraud department almost every week trying to come to a resolution, and they have no news or updates. For months they tell me they are researching this. 

Moreover, they have been rude and even threatened to hang up when I ask for a manager. 
I feel I have no recourse to get my money back other than to sue Chase ( which I really do not want to do ). And so two weeks ago I told Chase that I feel the only way I will ever see my money again is to sue them. 

The next day I got a call from my bank manager saying that Chase fraud department told her that they are closing the claim because I threatened to sue them. 

How can they do that? 

Last week I called Chase 's Executive office and they said they 'd resolve this in 48 hours. Since then they have not called me back. I have called there two more times and I was told that someone would call me back that day, but no one has yet to call me. 
I realize that I really do have to go to court to get my money back. This is not right because they should not have paid someone other than the payee. 

I am also reaching out to you in the hope that there 's an easier way than court and also to find out of there is any other way for me to resolve this.
We applied for and were approved for a VA cash out refinance loan. When we were almost ready to close the loan our existing mortgagee, Roundpoint Mortgage, sent us a letter dated XXXX XXXX, 2016 stating our loan was being sold to XXXX XXXX Mortgage/c/o XXXX XXXX. We signed the documents closing our loan XXXX XXXX, 2016. We received a letter about the transfer of our existing mortgage from XXXX dated XXXX XXXX, 2016 saying they were servicing our existing loan with payment information. We received our borrower 's final closing statement from XXXX Escrow dated XXXX XXXX, 2016 which showed the payoff of our loan to RoundPoint Mortgage not XXXX. Along with that document was a letter from XXXX Escrow dated XXXX XXXX, 2016 that indicated an escrow account was closed. Attached are copies of these documents. As of today, we have n't received the money we had in escrow from anyone in the amount of {$1000.00}. RoundPoint says it was transferred to XXXX XXXX. I ca n't get XXXX XXXX to talk to me as our loan number and last XXXX digits of my husband 's social do n't come up on the automated answering system. Could you please help us get paid our money that was in escrow connected to our paid off loan? Your agency helped us recently and we were very grateful for that. This is just like before, we 've exhausted all of the options that we can think of. Thank you, XXXX XXXX
XXXX is a creditor for XXXX XXXX. This company did not send me any billing information. I reached out to XXXX XXXX several times and they were unable to provide with the information of this creditor, XXXX. I have a XXXX XXXX card with XXXX as a creditor and that is the only information they had on file. When I finally received a call from someone in another country they told me my purchase for {$77.00} was now {$220.00}. I confirmed all my contact information and advised them there was zero attempts to make me aware of this bill, even after I reached out to the store. The representative apologized for the inconvenience and stated if I paid the amount of my purchase she would waive the fees and correct my credit as a result of their error. I agreed to pay the amount of the purchase I made plus a processing fee. I paid {$80.00} on XX/XX/18. I have since received a bill with the same past due amount and my credit is still being impacted. This company has broken FDCP law in place to protect consumers like me. I find it odd how only after I made a payment to someone did they actually send a bill.
in XX/XX/XXXX, i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX tried again in XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no XXXX else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries
I completed a purchase through PayPal on XXXX/XXXX/XX/XX/XXXX, that I canceled on the same day. The transaction refund was started but continues to show as pending. After 6 weeks, and an internal investigation by Paypal they issued a temporary credit, citing there is a known problem with the retailer account. That was XXXX. This was on XXXX XXXX, XX/XX/XXXX. On XXXX XXXXXX/XX/XXXX that temporary credit was undone, leaving my paypal account with a negative balance. I had my bank investigate for a refund into the account. No such refund. XXXX confirmed the funds actually never left paypal. PayPal is claiming the refund was issued, yet the status of the refund as of right now ( XXXX XXXX XXXX ) is pending. They sent the account to a collection agency and wo n't talk to me about it any more. No one has ever been able to give me a date when the refund was completed.
There is a Capital One credit card ( with XXXX missed payments ) listed on my report that I never opened or used.