WillisBack/dataset-financial-user-claim huggingface dataset:
First, some feedback to the CFPB regarding your complaint submission webpage : The options listed on your website does not include the subject for my actual complaint. Therefore, I selected options that would eventually take me to this complaint narrative. As a suggestion, it would be nice for situations such as this if your online complaint webpage were to include an " Other '' category. 

-- -- -- -- -- -- -- -- -- CONSUMER COMPLAINT SUBJECT : Chase Bank Marketing Harassment My complaint concerns Chase Bank. I am not a Chase Bank customer, NOR will I ever become a Chase Bank customer. However, I am very frustrated by Chase 's aggressive marketing tactics. I would describe it as " Marketing Harassment ''. 

Chase is relentless in sending postal mail solicitations. Their tactic appears to be to flood your mail box with these solicitations to beat the consumer into submission to open an account so that the consumer will finally receive relief from these mail outs. I recall that at one time the frequency I was receiving these solicitations was about once per week. Over the course of a year this really adds up. It is also an extreme waste of natural resources, thereby being environmentally detrimental due to what has to thousands of tons of paper that they likely consumer annually for their overall mail solicitations across the country. Additionally, it certainly wastes my time in having to shred this " junk mail '', which is very frustrating. 

It took me having to make numerous phone calls over a three year period to finally get them to stop mailing me solicitations to my home address as well as my P.O. Box. These postal solicitations were addressed directly to me by my name. I believe they finally ceased doing this in late XXXX or early XXXX. 

However, this year they started mailing me these solicitations once more, though they are now addressed to " Our Neighbor '' at both my street address and my P.O. Box. 

I contacted Chase customer service this evening to request these mail solicitations be stopped. However, based on past experience I do not trust that Chase will do so. I am also equally concerned that if in fact they do stop sending this current batch of solicitations, that some time in the future they will simply start up again by addressing them instead to " Current Resident ''.

One question that most consumers who have experienced a similar excessively high volume of direct mail solicitations might ask is " How many times and over how many years must a consumer fail to respond to a financial institution 's direct mail solicitations before the financial institution finally gets the hint that the consumer has no desire to do business with them? 

I am simply tired of Chase 's marketing harassment, and I desperately want it to stop once and for all. Therefore, I am seeking your assistance to make sure this will happen. 

Thank you for your assistance!
I am trying to remove a cash balance from my Coinbase account - USD Wallet. My bank isn't listed in their list of banks. Can't contact support because they are on some sort of crisis mode and my problem is not listed on their priority list. Went through all the automated support options to no avail. It is under {$10000.00} so I can not do a wire transfer. They took their fees and all I am getting is a wall. Just want my money in my hands. 
In my wallet there is one button that says " withdraw. '' When you click it you are sent to a list of banks. My bank is not there. How do I get my money out? My email with coinbase is XXXX XXXX
XX/XX/2015 some one change address of my Synchrony credit card with out notify me. XX/XX/2015 someone use my credit card from synchrony bank {$900.00} ten times in one days at Wall mart in XXXX XXXX, on XX/XX/XXXX. that person pay the credit card {$9700.00} with fake check and in the same time Synchrony bank let that person buy {$900.00} more at Wall mart at XXXX XXXX before the check clear. I found out when I use the card on XX/XX/XXXX access denied. I called Synchrony bank and found there fraud activity going with my account. Synchrony bank start send email change address which I received on XX/XX/XXXX and after the fraud activity happen.. 
Synchrony bank closed my old account and move {$9900.00} + interest to my new account. 
When ever I call they always said under investigation and they accrue the interest. 
I report to [ police in XXXX XXXX, they said they can not do anything because the fraud activity happen in XXXX XXXX but the police give me the case number XXXX.
I had an agreement with Navient in XX/XX/XXXX that I was on income-driven repayment with an automatic monthly payment of {$30.00} a month. This {$30.00} was withdrawn from my account once, and I was under the impression that it was regularly happening every month. In XX/XX/XXXX, {$260.00} was withdrawn from my account from Navient. I called them to inquire, and they explained to me that {$30.00} was only withdrawn once from my account in XX/XX/XXXX, and that my autopay and income driven repayment was put on a HOLD for a reason they COULD NOT DISCLOSE. As a result, a lapse occurred, and the regular monthly charge was withdrawn from the card that I had linked to the Navient account without my knowledge. I was in dire straights financially for two months to follow. I had to spend time on the phone with my bank getting an overdraft fee refunded, and I had to borrow money to pay rent. I always want to remain current on my loans as best as possible, so I tried again to set up income-driven repayment. After submitting current paystubs to Navient, they did not send a response in any medium and I just assumed all was good. An email popped up XX/XX/XXXX that my new payment was due and is {$270.00}, clearly not honoring any sort of low-income status. I called them and they said my paystub documents were illegible. How was I supposed to know this? So here I am, several forbearances later, continually accruing interest and desperately trying to just throw a bone of $ XXXX a month on my student loans. It never works! Navient is playing a game.
A collection agency ( account # XXXX ) has reported inaccurate information to equifax, I have sent proof that the information is inaccurate but equifax refuses to delete this account which has caused serious damages to me. I am being charged for living in an apartment after my lease ended on from XXXX/XXXX/2015 to XXXX/XXXX/2015, I have sent proof that we ( XXXX XXXX and I ) actually moved out before XXXX/XXXX/2015. I have attached copies of new lease signed on XXXX/XXXX/2015 for both XXXX XXXX and I. This information is having serious adverse effects on my lifestyle.
EXPERIAN REFUSED TO UPDATE MY PERSONAL INFORMATION ETC PLEASE SEE ATTACHED FILE
We successfully short sold our home in XXXX of XXXX. The process was easy and fast. Everything was done flawlessely or so we thought. Seterus has yet to report to the bureaus that this account has been closed and the house has been short sold. So as of right now for the last 21 months straight my wife 's credit and my has been getting hammered and the account shows over XXXX delinquent. I have reached out to Seterus several times to have this corrected. They have yet to do so. It is almost XXXX full years later and they need to be held accountable now.
In XX/XX/XXXX I called the automated line with XXXX XXXX to find out my minimum amount due. This was after my account was locked due to multiple attempts trying to access my account online. Upon entering my credit card information, I was informed there was a XXXX minimum amount due. I have made several payments in the past early and was under the impression ( through their account information line ) I had already made the payment. 

However, in XX/XX/XXXX I received an alert through Experian that my XXXX XXXX had reported me 30 days late. I immediately called XXXX XXXX. I informed them that the system had stated I had already made the XXXX payment. The customer service representative then informed me that my credit card had been canceled and a new card was being mailed. This was a precaution due to the XXXX  data breach. Keep in mind, I never received a call, a letter or an email. They simply canceled my card without any notification. As a result, when checking my account for my monthly amount to pay the credit card number was no longer active so it reported me not late and XXXX due. After 2 weeks, I never received my new card. I called and XXXX XXXX stated they would send one out immediately. After 2 MORE weeks, no card. I called AGAIN and they stated that it was being mailed out. I do not feel that this is my fault and should not be held responsible on my credit report for 7 years when something was done without my knowledge that affected my credit. I have disputed it with the credit bureaus with no luck. I called XXXX XXXX and they said I am no longer able to dispute any misinformation since it has been over 60 days. 

I had to dispute another credit card company due to the exact same reason. As a result of my letter of Goodwill, they removed the late payment from credit report. I have mailed the same letter to XXXX XXXX without any luck.
My complaint is with Equifax. I contacted them in XXXX because I applied for a car loan. My bank told me that my credit report could not be pulled up from Equifax, but they are able to pull my report from XXXX and XXXX. I was told that another person 's record was linked to mine- in order to correct this I was told to submit via fax- a photocopy of my IDs and my social security card. I did. 3 times. I even wrote a letter stating that it was my 3rd time submitting my information. Some time later I call to verify if that items were received -- it was but Equifax could still not pull my report. I was told to contact my bank to ensure that they were reporting my line of credit to Equifax. They have been. I was told that Equifax would correct the issue and it would take a month. I called to check if my record was fixed a few days ago and I was told to contact the XXXX. They were closed. I called yesterday and Equifax never received any of the documents that I had faxed back in XX/XX/2016. I was told to resubmit all the info again! I will be leaving for XXXX and this issue still has not been corrected!
I 've never opened an account with XXXX XXXX I 've never signed up to revive there services I was never shown prof of this being a valid account I never recived any goods or services for the above account nor did I sign up or give my authorization for the account
I miss-placed and failed to cash an American Express rebate check/Rewards coupon for {$180.00} in 2015 by by the expiration date of XXXX XXXX of that year. I called American Express, explained what had happened and asked them to re-issue the check. They refused stating according to their agreement the check must be cashed by the expiration date. I checked, what it did not say was what happened if I did not not cash the check by the expiration date it did not say that I would lose the money if I failed to cash the check by the expiration date.
XXXX refuses to investigate credit inquiries not authorized by me these credit inquiries are lowering my score and XXXX refuses to investigate, stating that inquires are a matter of factual data XXXX states that creditors have the right to view my credit without my authorization and affect my credit score and  there is nothing I can do about it
I never requested, applied for, or authorized a credit card or bank account with PNC Bank at any time whatsoever. First they started sending me account statements, which I ignored, and now they are saying I owe them money, which I will never pay. This whole thing is a fraudulent scam that needs to be shut down. PNC Bank is completely dishonest and I want nothing to do with them, and never did at any time. In spite of numerous requests they refuse to close this bogus account down.
Clarity Services  Inc  -  XXXX ,  XXXX  Manager.  XXXX  XXXX  XXXX . Obtained a copy of my  Clarity  Credit Report due to a loan denial. Notice Items reported incorrectly including items that have been  discharged  thru Bankruptcy and inquiries that are as old as  XXXX  on  XXXX / XXXX /  XXXX   Contacted Clarity and spoke with a rep (  XXXX   )  to file a complaint, was told that I needed to speak with a supervisor (  XXXX   )  and was transferred said supervisor, she was very polite and stated that would look into my accounts, as far as the inquiries, she stated is their policy to report those for  five  years, to which I advised her that was against FCRA  .   XXXX  said that she would talk to her Manager (  XXXX  ) and would call me the next day. On  XXXX / XXXX /  XXXX   since I received not calls I contacted Clarity again, spoke with  XXXX , she apologize as she was not able to contact me when promised. She gave me feed back on the collections and said that as  Far  as the Inquiries her  Manager   XXXX  was upholding their policy of  five  years, but that I could speak with him directly. She tried to transfer me but the call was disconnected. Received a call from  XXXX , he asked me where I was getting the information, I advised FTC and FCRA, again upholding their policy and advising that FCRA does not state a  two  year limitation on Inquiries and that I could dispute the information.
To whom it may concern, I have written four dispute letters requesting proper verification of two debts reporting by XXXX XXXX and XXXX XXXX. I have written and sent four different letters to Experian @ XXXX XXXX XXXX XXXX, TX, XXXX all by certified mail tracking numbers XXXX deliverd XX/XX/XXXX, XXXX deliverd XX/XX/XXXX, one also sent and XX/XX/XXXX, & the last one XXXX delivered XX/XX/XXXX. In each letter, I requested the proper documents they have on file to verify each debt is mine, I also requested documents of an original comsumer contract with my signature on it, as well as asked to be given the name of the person in there company who verified the accuracy of each account. Each time, four different responses, the company responded that they contacted the creditor and verified the debt was mine but failed to provide any supporting documents nor the person info in the company who verified these accounts, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit. Since they have not responded with proper verification nor have provided me any of the documents they have required by law to have on file for adverse accounts on an individuals credit report, I am asking for assitance with removing these adverse accounts XXXX XXXX {$930.00} and XXXX XXXX XXXX {$1400.00}. These accounts have not been properly verified therefore l, I am asking for them to be removed from my credit file.
Equifax just had a major security breach, exposing many people 's private information. My SSN, my name, my address, could all possibly be leaked and open at this moment. I confirmed that my information is more than likely stolen by checking on their website, equifaxsecuirty2017.com. I fear my information has already been stolen as well, I have tried to create a XXXX XXXX account to keep track of my credit, but my information is apparently " invalid '', and they ca n't identify me with my SSN. I tried to get a report on XXXX, but the same issue rose from that website as well. I am going to attempt to freeze my accounts and hope this will be resolved somehow. Other than that I am honestly fearing the worst possible scenario at this point.
I attempted to transfer money from one account to another account of the same institution and used the option " XXXX ''. The transfer requested either an email address or telephone number. I chose the second option because the intended recipient used telephone option. 
I mistakenly transposed the last digit in the telephone number and the money was sent to an account in a different financial institution. 
I was using Wells Fargo online for the transfer, both my account and the recipients account are with this institution. 
The transfer went to a XXXX account. 
I contacted Wells Fargo one hour after the transfer which was done on XX/XX/XXXX and initiated the complaint! On XX/XX/XXXX the intended recipient and I spoke to a Wells Fargo banker on a conference call in which the transposed digit error was determined to be the problem. I was assured that the error would be addressed and funds returned in 1-3 business days. 
I now have been informed by Wells Fargo that they can not get money back and that they only contacted " XXXX '' to verify that the funds were delivered and that neither they nor XXXX can do anything more. They suggested that I contact the number used in an attempt to secure return of funds. I was told by Wells Fargo that the receiver must initiate return of funds! I asked for the account information associated with transfer and was denied and informed that they " Wells Fargo '' did not contact " XXXX "!
I cleared a debt that was owed to another apartment rental company that my brother and i stayed at, i had a dispute with that apartment company because they had a cleaning bill i did not believe i owed, but i have paid that bill, as it was only 300 or so dollars, but upon further inspection, the rep whom took my payment for that previous balance owed, noticed something else on there, something for another apartment complex that my brother stayed at, i did not stay there, my brother did and because he was on my account with the previous apartments we stayed at together, i assume they just thought they could just put this on me now that my brother is deceased.

i contacted XXXX XXXX XXXX on XX/XX/2018 in regards to this, the stated they sent IQ data information regards to getting this taken off my credit report, XXXX XXXX  sent information to IQ data to have this removed and i got a letter from XXXX XXXX to show other apartments to let other places know that i do not owe a balance at XXXX XXXX no one is telling me how long this process takes, as it only seemed to take 5 min to attach this debt to my name, it should take just as long to have it removed in my opinion because before i paid my previous debt this was not even attached to my name.
On XX/XX/17 I was notified that there was a security breach of Equifax. Upon the suggestion of people more educated than I, I clicked on this link : https : //www.equifaxsecurity2017.com/XXXX to determine the potential impact this hacking might have on me. After submitting my information, the result was : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am now in the process of monitoring my credit for fraud that Equifax has exposed me to.
I contacted experian in regards to a public record for a chapter XXXX bankruptcy list on my file. I disputed this public record mark and asked for verification and they said it was valid. I then contact the bankruptcy court to ask for XXXX procedure in reporting to the credit bureau 's and they responded that they do not report any information to the credit bureau 's. XXXX must have pulled this information from a 3 rd party and the court verified it with me that they do not report to credit bureaus and therefore the public record reflecting this information must be deleted from my credit report.
On XXXX 2017 Paypal Decided to put a permanent limit on my account and hold my balance of XXXX even though I was n't in complete violation of their policies, the reason was because of a transaction of me selling a cosmetic cream for OTC I found at my local XXXX and beauty store I contacted XXXX and an agent gave me a reference number because she did n't see anyone reason for my account being limited when I did not violate their policies. <P/>Plus they continue to hold my funds. I decided to do my own investigating into the company and notice that in the state of Florida Paypal Holds a Money Transmitter License Type II which was issued to the company the statue that govern that License does not grant Paypal ( The License Holder ) To hold any funds from their customers longer the 10 days, After reading more into Paypals Holding a Balance Policy I notice that in event of the companies Bankruptcy their not obligated to make the funds available to their ''creditors '', I see this as abuse of power and their laws are very draconian to both consumers and business owners and slows down the economic growth of businesses especially small local business. <P/>I contacted paypal with information and spoke to XXXX she still refused to overturn the decision and stated that what paypal is doing is completely legal since all Financial institutions like banks hold consumer funds for 180-days even if they are granted a money transmitter License type II in FL even though paypal is n't a bank they can still with held funds, when I told her to further explain to my why paypal would over ride state laws and state constitution she stated to me it 's with in paypal policy! XXXX refused to give me her last name and the last name of her co-worker who contacted me via email with the notice of my funds being seized for 180 just their badge number XXXX ID XXXX / XXXX XXXX. <P/>I would like this to be resolved with my account being open for me to remove my, I am willing to leave a Balance of XXXX out of XXXX for any returns of charge backs. <P/>I would like to have my funds removed immediately because I read their user agreement that they are not liable for customer funds in case the company goes bankrupt my funds are not protect by any FDIC, I feel like I have been robbed because not only have paypal not pay me accordingly but I am also out of Merchandise I would appreciate a call bank and a resolution to this matter. <P/><P/><P/><P/>Thank you! Paypal # XXXX XXXX ID XXXX / XXXX ID XXXX IN REGARDS TO ACCOUNT BELONGING TO XXXX XXXX XXXX PHONE : XXXX In regards to transaction XXXX ( In this transaction I sold a cosmetic cream with the legal Hydroquinone Fade OTC Non prescription ingredient that advised by the FDA which is 2 % it had proper Labeling and guide lines it is legal by law the item in question can be purchased at XXXX, XXXX or other Hair and Beauty stores ). If you would like to contact XXXX for further proof of I wasnt in any violations you can do by callingXXXX XXXX XXXX XXXX XXXX givethem this reference XXXX user ID : XXXX Name : XXXX XXXX XXXX XXXX XXXX. Thank you very much! -
I returned all XXXX equipment in 2015 as the attached receipt shows. The collection agency Stellar Recovery has never validated the debt or attempted to contact me about this erroneous collection. This company is highly disreputable since they are knowingly using false collections and information to hurt ordinary Americans.
Pioneer services has a loan of ours which we stopped paying on because they cant send us proof of a signed contract. the time this loan was taken out our ID and SSN were stolen and a lot of drama came from it. For some of the stuff we actually thought it was us but turns out a lot of it was n't. Now they keep harassing my mom who I have n't talked to in a long time and calling her day in day out We are stationed overseas and do n't have any contact with her since my dad passed away. 

She is getting XXXX at us and we still do n't have papers showing a signature. 

We looked online and the papers on there do n't even have a signature. They have called her over 20 times now and its very tiring to hear from someone who we do n't even speak too!! 

They need to stop RIGHT AWAY with contacting her or any other person they think we might be related too. We do not live in Indiana nor will we ever and we are n't related to her in any way other then she was my dads wife while he was alive!!!! 

CEASE CONTACT WITH THEM ONLY CONTACT US DIRECTLY AND ALSO DO NOT CONTACT OUR EMPLOYERS!!! 

give me proof and I will gladly pay!!!
I enrolled in the Public Service Loan Forgiveness Program and have been making payments for approximately 8 years. I just found out I was on the wrong repayment plan so only 3 years of my payments have counted toward the program. I asked for an adjustment and they lowered the number of qualifying payments I had!