WillisBack/dataset-financial-user-claim huggingface dataset:
Disputed a charge and was issued a temporary credit, with the promise to be contacted, if the additional information is necessary. No additional information has been ever requested, either before or after the merchant 's response was received. At that point, Citi billed me back for the dispute and refused to consider any of my supporting documentation. In reply to my numerous requests that Citi must follow their own dispute procedures, I received replies that failed to address the Citi failure. Instead, the Citi so called Executive Office, kept replying - the merchant responded, we rebilled. The Citi customer service has never been good, but it became impossible in the past few months. Their customer service reps on line and on the phone are no better than their so called Executive Office, of which nobody seems to be in charge. All requests to escalate this matter and to provide me with the name and address of the person in Charge of Executive Office ended nowhere. They are so confused that are not able to understand that the reservation was made and billed through XXXX, on a totally false advertisement of the totally miserable XXXX XXXX. The nonrefundable charge was processed by XXXX, who should be held fully responsible for this unfortunate transaction. Instead of understanding the issue, the only problem with the hotel reservation I had on my trip to XXXX in XXXX, 2016, the Citi incompetent customer service kept pointing out that the miserable hostel does not agree with my claim and this is why I should pay. I DID NOT RECEIVE THAT FOR WHICH I PAID. CITI REFUSED, REPEATEDLY, TO FOLLOW THEIR OWN DISPUTE PROCEDURES, WHICH IS WHY THEY MUST REFUND THE CHARGE FOR XXXX XXXX AND THE ASSOCIATED FOREIGN TRANSACTIONS FEES PS - ATTACHED HEREWITH ARE MY TWO FAXES TO THE CITI CARDS CEO. VOLUMES OF EMAIL MESSAGES THAT I SENT FROM BOTH THE SECURE MESSAGE BOARDS AND AS REPLIES TO THE CITI PROMISES TO REPLY ARE AVAILABLE
I am attaching my letter to XXXX with more details. To summarize : we paid {$780.00} to XXXX with my Citi credit card on XX/XX/XXXX for health insurance coverage. Later the premium was reduced to {$140.00} /month and we were forced by XXXX to initiate a partial payment dispute to get an overpayment of {$500.00} back. However XXXX blamed Citi for withdrawing all {$780.00} payment on XX/XX/XXXX and not leaving two month premiums of {$280.00} from my credit card to pay XXXX. XXXX reset our insurance policy termination date from XX/XX/XXXX to XX/XX/XXXX based upon their record. ( Please note that we also paid XXXX for insurance premiums with personal checks ). On the other hand, Citi said that the two month premium payments from my credit card was made to XXXX from the very beginning so that it is not Citis problem. But Citi refused my request to provide detailed evidence to challenge XXXX 's record. Neither Citi nor XXXX takes responsibility for this and we received full medical bills from medical providers and debt collectors like we didnt have coverage for the time period that we actually paid for. We have filed complaint to New Jersey Department of Banking and Insurance ( NJDOBI ). I also attached their investigation letter here. I would like to have CFPB investigate this to see if Citi or XXXX is responsible for this. If this is not Citi 's problem, please provide conclusions/investigation results on this so I can continue to seek help from NJDOBI or other government agencies.
I hired an air duct company to clean out the ducts in my home for a price fixed. After the service man cleaned out the ducts in my home, he showed me all sorts of service plans to sign up for. I barely had the funds to cover the cost of the services performed of the one and only service call in 2017 that I had agreed to. Apparently the invoice I signed for the services performed is being stated by collection attorneys, as a contract that I signed for future services. I did not sign any such contract. I do not know if the service man had switched paperwork and had me sign a contract instead of the invoice for the service performed. But I did not agree or sign to agree for any future services. I have been contacted by an attoney from Asset Collections inc demanding that I pay. And he states what I signed was a contract for services and that I now owe {$2200.00}? I never agreed to such a contract. I never made any payments toward any such contract. I paid what I owed for the one time service call. The sneaky tactic of stating that I signed a contract when I believed it was the invoice for the service, is unfair sneaky practice. I was polite to the service guy and told him that I would consider the contract with his company in the future. But as he personally witnessed I did not even have enough credit on my card to pay the intitial service fee. I explained this to the attorney from the collection agency that keeps calling me and telling me that they are going to sue me for this. Please help me stop this unfair sneaky tactic of switching the invoice and turning it into a contract for future service. I did not want not could afford. I did not sign a contact. I signed a service invoice. That is what I was told. I told the service man that I could not commit to any contract or future service. And I said I would contact his company if indeed I did want a service contract. Which I did not. Now I am being bullied by this attorney from the collection company stating that I signed a contract? In the collection letter they are threatinf to contact and report this alleged debt to the IRS. And stating that a form XXXX will be filed and it will show that the {$2200.00} becomes income and a bad debt for XXXX XXXX XXXX XXXX XXXX XXXX. Is that even legal? I have explained the misunderstanding to the attorneys from collection agency numerous times, only to have them state you signed it and you owe it and we will sue you to get it.
Amex credit card account from Macy 's had fraudulent charges on account ( an account which I have never used, and is opened automatically and in addition to the store revolving account ). In XX/XX/XXXX, I contacted Macy 's fraud department to get this resolved when I noticed the charges. I am still waiting on receiving paperwork from them to continue this process. I have spent countless hours on the phone trying to receive this paperwork, but am not receiving it at my house in the mail. All other mail I have no problems receiving from other people. They are unwilling to send it to my email or by registered mail. At one point for a few weeks in XX/XX/XXXX they shut down their phone system resulting in countless more hours spent on the phone with other Macy 's departments trying to reach the fraud investigation department. In the meantime, Macy 's debt collection has been harassing me, calling as much as 4 times a day, to try to force me to pay this debt that I do not owe from identity theft. I have spent countless more hours on the phone with them explaining that Macy 's fraud investigation told me not to pay this debt I do not owe, but they do not stop calling. Sometimes, when I start to yet again explain the situation, they just hang up on me. The departments are not communicating with each other, resulting in non stop harassment of me.
HSBC contacted me after the mortgage was a year behind there website never works and they will not send any statements I have paid on this house for 16 years and now they have turned the case over to an attorney
USAA Federal Savings Bank agreed to a settlement with XXXX XXXX, our primary lender in a letter dated XXXX/XXXX/XXXX ( attached ) to do a DIL on our home. USAA agreed to accept a settlement from us in addition to a settlement offer from XXXX XXXX ; this letter from USAA had a suspense of XXXX/XXXX/XXXX. We vacated the home on the agreed upon date of XXXX/XXXX/XXXX and have not had access since as the locks were changed. 

On XXXX/XXXX/XXXX we sent our check to USAA which was cashed by them on XXXX/XXXX/XXXX. XXXX XXXX sent their check to USAA which was received by them on XXXX/XXXX/XXXX, four days past the original suspense which has caused some confusion. NOTE : USAA cashed the check from XXXX in addition to our check. 

Our lawyer representing us has contacted USAA almost weekly since XX/XX/XXXX and has been told the loan release is being worked and they will get back to us within 48 hours. It is now almost four months since USAA has been paid but they have still not sent a release to XXXX so we can completed this DIL.
Navient does not offer to lower my monthly payments due to financial hardship. I have asked on several occasions to see if my loans can be forgiving once the school has been closed for years for receiving loans and not be accredited. They were basically giving away worthless diploma. Nacient informed me that I should have filed my complaint during a certain time and that I am still responsible. They wo n't even Consoildate it to make the payment more affordable. They are only offering deferments nd forbearance for only 3 months. Please help.
Equifax has " added '' a name I have not used in 20 years-XXXX-says it 's a new name replacing " XXXX XXXX, which I always use or if needed my legal name XXXX XXXX as on my XXXX card, no middle initial used. 
2nd : There are many car dealers whom I do not know or have given them to check my creDit. I am furious with this. Only XXXX dealers authorized recently : XXXX and XXXX. NO OTHERS!!! 
3RD : I actually have not checked of late, but a Student Loan was listed and should not be, satisfied due to XXXX from XXXX. 
4th : Car loan with XXXX. CAR WAS PAID FOR WHEN SOLD AT AUCTION. Price I owed is way off, it should " only '' be about XXXX and that was total profit. XXXX received XXXX for a XXXX dollar car in XXXX years time. Plus the loan was in XX/XX/XXXX. Should this still be on my credit report? 
4th : Lastly, there are tons of unpaid medical bills. This should not show on my report due to privacy laws. Plus, many bills are just repeats. Some should have been paid by XXXX. All bills from XXXX XXXX, XX/XX/XXXX, were paid or cleared by the hospital.
American Collection Service continues to contact me regarding medical debts that my wife owes. When trying to work with this company for a payment plan at an amount we can afford the company will refuse any offer other than their decided amount and begins to threaten the accounts have to be paid in full or they will release the account to their lawyers and sue me. Every time this threat is made they give me a 4 hour limit to provide them a final answer or they will move forward with a law suit, and they have made this threat over the past 3 months on the same accounts. These threat start happening near the end of each month. We had a previous account with this company that had been paid in full with the agreement to remove the collection from my credit report and the company did not follow through with their agreement claiming they did not have to because they received additional accounts for my wife while the original account was being paid off. The company has so far threatened to sue us for the full amount of XXXX accounts 3 separate times, threatened to garnish my wifes wages 3 separate times, and have refused all of our payment amount offers. I was once again contacted by this company today ( XXXX XXXX 2015 ) with a 4th threat of sending all the accounts to their lawyers to file suit on the debts. Additionally, the company name is American Collection Service but they are reporting to my credit report as XXXX which I feel is purposely misleading.
XXXX 2014 someone took money from my bank account at Wells Fargo. It took a year, but I finally found out that my granddaughter had done it. If I had known my granddaughter had done it I would n't have filed the report. I called Wells Fargo and told them not to prosecute my granddaughter that I would pay the fees from my checking account, but now they wo n't listen. My granddaughter then had a XXXX from the stress and still has court on the XXXX of this month. 
Please help me stop this. When I called Wells Fargo to drop the case they said they would, but they wo n't.
I had an Personal line of credit account with my stepdad ( XXXX XXXX ) through XXXX XXXX XXXX. Unfortunately, we fell behind and the account went to collections. ( We acknowledge it fell behind ). The account was then sold to the Law Office of David Sean Dufek and in XXXX XXXX, XXXX through XXXX XXXX, XXXX paid a total of {$2200.00}. I spoke to collector named XXXX XXXX who set up a settlement with that office for {$.00}. I also spoke to a supervisor named XXXX after I discovered this same collector had authorized payments on my bank account ( with checks that I did NOT authorize ) and this supervisor XXXX assured me that the debt would be settled out WITH NO MORE PAYMENTS DUE. He said " At this point, we will just settle this out '' and returned the {$200.00} that was unauthorized from my account. If the account was not settled out, WHY would they authorize the return of my funds? I ask that you pull the conversation of phone calls that detail this. 

At this time, I have been notified by the Law Firm of XXXX XXXX ( phone number XXXX ) that they bought the debt and are requesting I settle pay a balance of {$2900.00}. I have spoken to a supervisor named XXXX ( on XXXX/XXXX/XXXX ) who even acknowledges in the conversation i had with her based on the review of notes " I do n't understand why they did n't just settle this out ''. 

I do n't understand how a debt i settled with the attorney 's office can be now owned by a different office when i clearly paid it in full PER that attorney 's office.There is clearly deceptive practices for predatory collection here.
This is a second complaint to Bank of America regarding the refinancing of my home. This complaint should be linked to Case number : XXXX ; applicable to New Loan # : XXXX ; and Old Loan # : XXXX. 
Bank of America has not provided any resolutions for my first complaint as of today, XXXX/XXXX/2016. However, to make matters worst, I got a letter in the mail this weekend indicating that I have an escrow shortage of {$2400.00} on my home loan and that I must pay this amount. Otherwise, my new monthly payment will change to {$2100.00} due on XXXX/XXXX/2016. My first mortgage payment, which is due this month ( XXXX 2016 ), was set to be {$1800.00}. Why the sudden {$300.00} increase when the agreement had been a different monthly mortgage payment? Was it a miscalculation? What is going on with my home loan? 

I am extremely frustrated. No one at Bank of America wants to be accountable for the mistakes they have made while processing my new loan. Not only did Bank of America not fulfill my original request of refinancing the house to cover the property, the total closing costs, and the set up of a new escrow account, but now I am being asked for additional money for a shortage in my new escrow account. I really do not understand what is going on. At this point I am not sure if I was mislead or misinformed on purpose, or whether Bank of America is just being deliberately careless when processing their loans, or whether this is retaliation for making my first complaint, which has not been addressed yet either. 

Bank of America is now affecting my finances as it did not only make me lose the {$3000.00} from my old escrow account, but now it wants an additional amount of {$2400.00} from me, which may not be much to them, but it is a lot of money for me. If I would have known I was going to run into so many issues, I would have never refinanced with Bank of America. After 20 years of loyalty to Bank of America, I am extremely disappointed. The refinancing of my house has turned into a big nightmare.
TODAY AT XXXX I LOGGED INTO THE ONLINE SYSTEM OF CAPITAL ONE TO MAKE PAYMENT FOR MY TWO CREDIT CARDS. AS I WAS ATTEMPTING TO PROCESS MY PAYMENT FOR ONE ACCOUNT IT GAVE ME THE PAYMENT DATE OF TOMORROW XXXXXXXXXX EVEN THOUGH I HAD UP UNTIL XXXX TO MAKE THE PAYMENT. 

I IMMEDIATELY CALLED UP CAPITAL ONE TO FIGURE OUT WHY THIS WAS HAPPENING AND SPOKE WITH XXXX WHO INFORMED ME THAT I WONT GET A LATE FEE BEING I MADE THE PAYMENT BEFORE XXXX. I ASKED TO TALK WITH SUPERVISOR AFTER THE REPRESENTATIVE INFORMED ME THAT I SHOULD CANCEL PAYMENT OF WHICH DID NOT SOUND CORRECT. 

I SPOKE WITH XXXX ACCOUNT SUPERVISOR WHO SAID SHE WANTED TO CANCEL PAYMENTS AND PROCESS THEM OVER THE PHONE AND I SAID NO BEING I WANTED THE BANK TO PROPERLY MODIFY THE PROBLEM. I ASKED TO TALK WITH AN ONLINE TECHS UPPORT PERSON WHO COULD DEAL WITH THIS MATTER BUT SHE DID NOT TRANSFER THE CALL TO ANYONE. SHE TOLD ME SHE CAN MODIFY THE DATE BUT SHE NEEDED MY PERMISSION AND STARTED READING A DISCLOSURE STATEMENT FOR WHICH I DECLINED BEING THE BANK WAS OBLIGATED TO MODIFY THE DATE TO THE XXXX BEING I LOGGED INTO MY ONLINE ACCOUNT BEFORE XXXX ON XXXX. SHE REFUSED TO GET HER MANAGER WHEN I ASKED FOR ONE. SHE FINALLY TRANSFERED CALL TO A TECH SUPPORT PERSON WHO WAS OUT OF THE USA AND I WOULD NOT TALK TO HER. SHE THEN TRANSFERED ME BACK TO XXXX ONLINE TECH SUPPORT DEPT IN THE USA. THIS REP. FOUND THE TIME THAT I LOGGED INTO MY ACCOUNT AT XXXX OF WHICH NOT CORRECT BEING I LOGGED INTO MY ACCOUNT WAY BEFORE THAT AND THEN CALLED CAPITAL ONE AT XXXX. THE TECH SUPPORT REP. WANTED ME TO SEND A PRINT OUT OF THE SNAP SHOT FROM MY CELL PHONE OF WHICH SHOWED THAT I ATTEMPTED TO MAKE MY PAYMENTS BEFORE XXXX TODAY AND THE PAYMENT POST DATE OF XXXX. I INFORMED HER I WAS GOING TO FILE A COMPLAINT WITH THIS AGENCY AND THEN I WAS GOING TO TAKE LEGAL ACTION AGAINST CAPITAL ONE FOR MODIFYING THE PAYMENT DATE. SHE THEN INFORMED ME THAT SHE HAD TO NOTIFY ANOTHER DEPT THAT I WAS GOING TO TAKE LEGAL ACTION AND THAT I MUST TALK TO THEM OF WHICH I DID NOT HAVE TO BEING I AM NOT OBLIGATED TO DO SO. SHE THEN TRANSFERED TO XXXX SENIOR ACCOUNT SUPERVISOR WHO INFORMED THAT I ASKED TO SPEAK WITH HIM BUT THAT WAS NOT TRUE. HE INFORMED ME THAT HE TOOK A SNAP SHOT OF THE SYSTEM SHOWING THE TIME I MADE PAYMENT AND WOULD GIVE IT TO THE PROPER DEPT TO FURTHER LOOK INTO THIS MATTER. HE ALSO INFORMED ME THAT HIS UNTI MANAGER XXXX WAS WELL AWARE OF THIS PROBLEM.
On my credit reports there are XXXX new student loans that are from a consolidation. XXXX/Nelnet lists an amount due each month at {$230.00} on one and {$140.00} on another. I NEVER agreed to anything other than a zero payment. Not once. The letter I received from Nelnet states zero amount for payment as well. This {$230.00} and {$140.00} was never part of any contract that I agreed to. There is also an ongoing court proceeding to discharge these student loans so you would think Nelnet would be reporting properly. 

Also, Nelnet denied my TPD application and they are holding the letter of denial hostage. They will not send it to me. I feel it is so they can in the future of this court case state that Nelnet decided to grant your TPD and they know I no longer would want it. It is a scheme of theirs for assurance and they have no legal right to do this. First off, this TPD is by a psychologist that signed it which they will not allow and said so in email. So they need to send me the denial letter. I also can not get into my Nelnet account and have complained numerous times. They have me blocked. They have no right to keep me blocked from my Nelnet account. 
1. Enter payment of zero for the XXXX new loans. 
2. Send me the letter of denial of TPD. 
3. Let me into my Nelnet account.
I have submitted this request 4 times to be fixed and Transunion has yet to fix it even though XXXX  corrected it. My score is XXXX on XXXX and XXXX on Transunion. The problem is with a credit card issued by XXXX that Transunion has deleted from my file. I explained that it should have not been deleted as I am a signor on the card and have been for many years. XXXX  corrected the mistake and Transunion has yet to do anything even though I have submitted the evidence and they can see that XXXX corrected the problem. I have called, submitted the corrections to them 4 times and they fail to so anything, I want this error corrected so my credit file reflects the XXXX card that is mine. The card was opened in X/XX/1998 and is in good standing. I have been an authorized user for years and has always reported on my credit file. I want them to restore it so my credit score reflects the correct amount of XXXX. 

Please help me in this matter as they have wasted many months on this and refuse to do anything even though the evidence reflects that they should of corrected it a long time ago. 

Best, XXXX XXXX
I have had a title loan with title ax for 3+years, during this time I have paid interest charges, paid down principle, increase my loan, and paid several late fees. The issue is when I requested an increase in loan amount they did not ask what my income was although they knew I was on XXXX. They provided me an additional XXXX. Dollars. After this when I returned in I believe they ask that I sign some old documents from months before stating I received disclosures. I have been asked each time since to sign the same statement but have never received any disclosures. I now am past due and when speaking with manager he offers only half off the late fee, I have paid this company well over XXXX times the value of the car, I understand the need to repay but I need title max to understand my income and ability to repay
I have written directly to each of the credit-reporting agencies multiple times since XXXX XXXX when I realized there were problems with items they were reporting. All answered me but did not remove the inaccurate items and my credit score has been dramatically decreased ... from over XXXX to now under XXXX despite only XXXX even possible negative item which I have disputed with the company to no avail. 

*I have never had a bankruptcy or foreclosure. 
*I have no personal or business loans at all - no car loan, no student loan. 
*I have approximately {$31000.00} balance on a mortgage that has never missed a payment in 25+ years. 
*Of the credit that I have actively available, I use well XXXX, more like XXXX % in revolving credit on XXXX credit cards ( XXXX XXXX , XXXX XXXX ) that is paid every month without fail. 

**There was an XXXX XXXX dispute that was resolved in my favor, which the credit bureaus are aware of, but somehow the " delinquency '' continues - is that right, even when the balance is XXXX? 
**There was a XXXX dispute from XX/XX/XXXX or XX/XX/XXXX where I tried to return a faulty cell phone and XXXX would neither allow me to return it for a new one or fix the problem. So I cancelled the service. Only XX/XX/XXXX did that show up as a " collection '' item. 
**There is an XXXX XXXX item listed as delinquent on an old savings account that never had any credit associated with it. It dates from XX/XX/XXXX, it never existed, the XXXX branch is long gone from my neighborhood and yet they refuse to remove it. 

How can I have a credit score under XXXX based on XXXX " possible '' but strongly disputed problem valued at {$300.00}? Previously XXXX wanted {$900.00} - it feels like I am being held hostage to some outrageous unknown extortionist.
On XXXX XXXX, I sent a letter to Equifax asking them to initiate an investigation of accounts that were reporting inaccurate information on my credit report. Its now XXXX XXXX, and I have yet to receive any response from their agency. I have even sent several follow-up letters, and still, I have received no response.