WillisBack/dataset-financial-user-claim huggingface dataset:
I had a settlement amount for XXXX XXXX XXXX for a Lowes debt. The settlement amount was {$800.00} and I was making at least {$25.00} a month payments. In XX/XX/XXXX, I accidently mailed them a money order for {$20.00} that I had for another creditor and mailed their {$25.00} to the other creditor. In the past I would often make more than the {$25.00} payment. At the time in XX/XX/XXXX, my balance on my settlement would have been {$110.00}. In XX/XX/XXXX, I was called and told I broke my " promise ' and that they settlement was gone and I would now owe {$660.00}. As you can imagine i was extremely upset about this and asked/begged to be placed back on my settlement offer. Since the many people I spoke to were unwilling to assist me in renegotiating my settlement, I quit paying. I understand there has since been a judgment placed on me as of XX/XX/XXXX for the amount of {$730.00}. I know I was wrong to just stop paying but no one was willing to help me get my settlement back after a small {$5.00} error when in the past I had often sent more than the {$25.00} payment required. I would like to have this settled again for the amount of {$110.00} and I will gladly pay this in full immediately to take care of this situation.
In XXXX 2016, I opened a credit account with Jared The Galleria of Jewelry. I went to the store on XXXX XXXX in XXXX MI. The card is through Sterling Jewelers. I was told by the associates who helped - there were XXXX different employees assisting me that day - that if I opened the account it would have 0 % APR for the first 12 months. So, I purchased my engagement ring and XXXX wedding bands with service plans for about {$2000.00}. My first statement had no interest charges. However, my XX/XX/XXXX and XX/XX/XXXX statements applied a 24.99 % APR. 

I called the phone number on my statement and was told that customers have to make a XXXX % down payment to get the 0 % APR for 12 months. However, this was never told to me in the store when they sold me the credit account and jewelry. 

I was told I can have the 0 % APR but I have to make more than a {$400.00} payment to have it. I feel as though I was deceived into applying for a line of credit without being provided all of the information. I would not have opened the account or purchased anything from them if that was the case. Their return policy is only 30 days so I ca n't even return the jewelry anymore. I feel like a bait and switch was used to con me into something I now can not get out of. 

I feel that employees should be responsible for the information they provide to customers, before they are trapped into an account they ca n't get out of. I 'm paying about {$45.00} a month in interest for something I was told would be interest free. I want the interest already charged to be waived and for the account to have 0 % APR for 12 months like I was told it would when they asked me to apply.
Sometime around XXXX I logged in to my citibank credit card accounts to find that they had all be closed by the issuer. I am not sure why citibank decided to close my accounts as my payment history was excellent. I understand they have the right to close my accounts at their own discretion ; however, I had just been charged an annual fee of {$95.00} on my citi XXXX XXXX XXXX access more credit card on XXXX XXXX. Citibank charged me in advance for the annual fee, only to cancel it just a few weeks after taking my money. 

I reached out to citi about this issue, and they confirmed that I absolutely would receive the {$95.00} credit as a refund on my final statement. Unfortunately, I never got another statement from citibank. I reached out to them again today, and now they are saying that I will not be getting the {$95.00} annual fee refunded. 

I saved the online chat with a citibank representative where they assured me numerous times that the annual fee I had just paid would in fact be refunded. I have attached it to this in the complaint.
I Wrote XXXX XXXX to Validate debt ( acct # XXXX ) was mine with my signature. I receive letter XX/XX/2018 that they didn't have any information on me. That the ownership of this account has been transferred to XXXX XXXX, XXXX See letter below.
On  XX/XX/XXXX , I sent a letter to Navient regarding the late payments that they are reporting for my student loans. In this letter I requested documentation that would prove that my loans were not in forebearance during that time, and as of  XX/XX/XXXX  I have not gotten a response from Navient regarding this matter.
On  XX/XX/XXXX , I submitted an online dispute with  XXXX ,  XXXX , and  XXXX  regarding the inaccuracy of late payments to Navient in  XXXX  and the status was not changed.
The second online dispute with the  XXXX  credit reporting agencies was submitted in  XX/XX/XXXX .
On  XX/XX/XXXX , I submitted yet another online dispute regarding this same matter, and have yet to get any type of response from NAVIENT.
If they ca n't furnish documentation that states that I was indeed late on payments then I feel that the reporting should be updated to current for the duration of the loan origination.
Thank you in advance for helping me in this matter.
  XXXX   XXXX
I called CiTi bank to cancel my account and they left me on hold for 40 minutes then they hung up on me. Really bad customer service. The worst I 've ever came across. Now they wo n't even answer my calls.
I have purchased my home 2 years ago. Since then the assessed value of my home has increased. My tax assessed value has increased by 30 % and other houses in my neighborhood are reflecting that increase. I contacted Wells Fargo ( owner of my mortgage ) to have them assess the property value so that I can remove my mortgage insurance. They told me that I would have to pay over {$300.00} for the appraiser so assess my home. They also said that the appraiser would not take market value into account. The appraiser would only be looking for structural modifications. Wells Fargo owns the appraisal company. There is a conflict of interest that negatively affects consumers like myself. The appraisal company and Wells Fargo are in collusion to artificially suppress appraised property values as confirmed to me by the Wells Fargo representative. A fair and proper appraisal must take market value into account.
My issue is with capitalone. I purchased a new car last from XXXX XX/XX/2016 and Capital One approved my car loan for six years. XX/XX/XXXX/XX/XX/2016, I paid {$20000.00} on the car. However, Capital One is charging me $ XXXX month, I assume since I knocked {$9000.00} in interest capital one needs to make back the interest they lost they did not change my car payment to {$86.00} a month for five more years.
This debt has not be verified to be mine. Company wo n't call back or respond to letters.
Im A  XXXX  living in  XXXX   XXXX   XXXX  and  XXXX  says they cant Proses my Information electronically and i have two send it buy  Paper M ail  XXXX  is the Counter  Fit capitol of  the World i should not print documents at and  internet Caffe  and the mail is extremely Unsafe.     It Would Tak e 40-60 days two mail the  Credit Burrow from  XXXX  I have  two Fly Two   XXXX  and ask  XXXX  that 13 Years i cant get a new ATM card with a  XXXX   credit score be cause my payee sabotage everything Can I sue the Credit Burrow from  XXXX  that i cant get a New ATM card in 13 years  XXXX  - A World of Insight We 're sorry. We were unable to honor your request.       Sending us your information To submit your request by mail, please send your documents along with  one copy of a government issued identification card, such as a drivers license, state or military ID card, etc., one copy  of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number.  Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, maga  zine subscriptions  or postal service forwarding orders as proof. To protect your personal identification information,  XXXX  does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. Be advised that written information or documents you provide with respect to your disputes  may be sh ared with any and all creditors with which you are disputing.       Mail this form to :  XXXX     XXXX   XXXX   XXXX   XXXX  ,  TX  XXXX  Your identification information  XXXX   XXXX  Social Security Number :  XXXX   XXXX   XXXX   XXXX   XXXX  MN  XXXX  Report number :  XXXX
Sir , Wells Fargo  Bank in  XXXX  recieved until  XXXX  from  XXXX   XXXX   .  (  XXXX   XXXX  ) I asked  Wells Fargo Bank via  Email for acces to my Money.  XXXX   XXXX   from  Wells Fargo Bank gave  me not any Information how i can get acces to my Money.please note i have not account wit h Wells Fargo Bank but   they have taken over Money yet.      XXXX .    Wells Fargo  Bank  XXXX   XXXX   XXXX  Ga  XXXX   XXXX
i had contacted many times XXXX XXXXXXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 i had contacted SEAR Creditor how has Run my Credit with Unauthorized and i got t proof from creditorto remove and SEARS already mentioned they sent two letter to XXXX to remove two month ago wirh no response till now i going now to attach proof has sent to them to XXXX to remove 2 hard inquiry -Sears/cbna Inquiry from XX/XX/2018 -Sears/cbna Inquiry from XX/XX/2018
On  XXXX   XXXX     2017, we paid our  HELOC balance in full.   Prior to payment we called     XXXX   XXXX   to let them know we were paying off the full balance on   XX/X/2017 .    We asked if there would be any problems if we did not mak e a  XX/XX/2017  paym ent, as full pay-off would be made   72 hours later.
We were assured it w  as ok and there would be no problems.   But  XXXX  created a major problem for us, by reporting a " late '' payment o n  XX/XX/2017 , when they assured us they would.    As the full amount of the loan, not just a monthly payment was made 3 days later and  XXXX  knew it was coming, from to notification s ; one from our ph one call and the second from the  XXXX   XXXX  notification of pa y-off seven da ys earlier, it was unfair of     XXXX   XXXX   too harm our credit with a late report.   Th e Credit Rating comp anies -Trans union - XXXX  and  XXXX - have wrongly repo rted this as a late payment The harm has been extensive, stopping us from getting a new mortgage.
I have been paying my loan servicer, Mohela, an extra amount each month to pay my loans off quicker. I sent them a letter directing their accounting department to apply money above and beyond the amount due on each loan to the principal of the loan with the smallest balance. Twice now they have misapplied funds and sent me past due notices in between statements. When incall about this they tell me it is impossible for their accounting department to keep my instructions and follow them. I think this is nonsense. Please look into this
I called in to complain about two unauthorized charges on my card to the representative on XX/XX/XXXX in which they mailed documents to me to complete. I submitted bank statements from their website with my information of the two charges that I did not authorized. I have also receive a letter that is dated on XX/XX/XXXX stating that " The results of our investigation could not find where an error has occurred. Therefore, no adjustment can be made to your Card account for the amount in question. You may request a copy of the documents which were used to decide the dispute investigation. As I receive this letter I called that same day and was told to write out a complaint in which I did XX/XX/XXXX and faxed it back to them. For they indicated that the information was not sent to them in a timely manner. Now as I indicated that I did comply with XXXX XXXX that I have no control over the US postal services how and when mailed is delivered from their establishment. But, Nevertheless the documents were sent to them in a timely manner. The company that took money from my account on XX/XX/XXXX in the amount of {$260.00} and on XX/XX/XXXX in the amount of XXXX. For this company has taken funds from my account beginning XX/XX/XXXX-XX/XX/XXXX and have no intentions of refunding my monies to me even though I contacted XXXX XXXX   about this incident.
Our complaint relates to predatory lending practices of Home Depot Credit Services, which we understand is administrated by Citibank. We had a Home Depot Credit card ( " Card 1 '' ) which had been paid on time and paid in full. In XX/XX/2018, we purchased paint at the XXXX Home Depot store and were pressured into opening a second Home Depot Credit card ( " Card 2 '' ). At that time, we were told that there was a substantial discount if a second card was opened and, accordingly, we should not use Card 1.

We acknowledge that we paid Card 2 late. However, the XX/XX/2018 statement for Card 2 shows that the balance was paid in full. Because of the late payment we were charged {$16.00} in late fees which were due on XX/XX/2018. 

We use online payment to pay amounts on Card 1. This method provides for the entry of account numbers. Inadvertently, we failed to realize that we need to open a second payee account for online payments due on Card 2. We paid the {$16.00} under the account number for Card 1. Home Depot Credit reports that they processed the payment on XX/XX/2018. 

In XX/XX/2018, we received a second statement on Card 2 which included {$16.00} balance plus an additional {$16.00} in late fees plus {$2.00} in interest. The total balance of {$34.00} was due on XX/XX/2018. We also received an XX/XX/2018 statement on Card 1 showing a credit balance of {$16.00}. We were abroad and then out-of-state when the XX/XX/2018 statement were received. On or about XX/XX/2018 we telephoned Home Depot Credit to discuss the misapplication of the XX/XX/2018 payment. After researching the matter, Home Depot Credit applied the payment to Card 2.  On its XX/XX/2018 statement, Home Depot Credit reported a XX/XX/2018 " Misapplied Pmt SM Prin '' on Card 2. However, we were charged an additional {$34.00} of late fees and {$2.00} of interest. 

On XX/XX/2018 we called Home Depot Credit to resolve the balance of the XX/XX/2018 statement. At that time we were referred to XXXX in the credit adjustment department. After much discussion, we were told that the Citibank 's policies allowed for only one late payment per each account regardless if there was a misapplication of payments between two Home Depot Credit accounts. We were then told to pay an additional {$16.00} in late fees and that the XX/XX/2018 charges of {$38.00} would be waved. We paid the {$16.00} amount and closed Card 2.

Although small in amount, the business practices employed by Home Depot Credit and its agent Citibank are, in our opinion, a clear indication of predatory lending actively which should be stopped by the CFPB to protect other consumers. Moreover, Home Depot should be prohibited from pressuring consumers to open second accounts because the represent a clear conduit to orchestrate predatory lending practice.
I was just aware that XXXX XXXX XXXX agency reported an account that I allegedly owe in the amount of XXXX to the credit bureaus. I have no knowledge of this account as I have not received any loan for this amount for anyone. I was contacted by this company and told them that I had no knowledge of the debt that I dispute it and I also asked them to please validate the debt in writing as required by the fair credit debt collection practices act. The company failed to do this and they illegally reported my account to all the collections bureaus without validating this account to me.
In XXXX 2017, I receiver a letter informing me that my taxes had not been paid. I called and reported that I would pay my taxes as I always did, understanding that there was a fee added each month, but I did not want an escrow account. I paid county, city and school taxed but the money was refunded because Chase had paid the taxes. I contacted Chase and asked if I could reimburse them and not have an escrow  account. and they denied my request.
XXXX XXXX XXXX XXXX XXXX jacob laww croup pllc has refused to send any validation information of this alleged debt we have tryed for years they are all in violating Federal law on multiple accounts and threats.
Asked in writing that my PMI be canceled and an appraisal be ordered on XX/XX/XXXX. Called in several times due to no contact and still no response and different answers when I call. Keep getting the runaround
I had ordered items from a dog pet boutique however I never received any of the merchandise, XXXX had confirmed it was delivered to the wrong address and had issued the merchant a credit for the lost items, however after pleading with the merchant to refund me I was denied .So I immediately contacted my credit card to dispute the charges and was given a temporary credit on my account however the merchant challenged the dispute and sent documentation to my bank the the items were delivered when they were delivered to the wrong address and my bank is refusing to refund me even though I printed out the confirmation from XXXX which shows they issued the merchant a claim for the lost package and refuses to work with me in getting my money back
A XXXX woman called from a company named Profit Services Group in XXXX, Ga. and stated " We will quit XXXX calling when you pay your " XXXX '' eye doctor bill. " I replied I do n't owe any eye doctor bill because I have n't seen an eye doctor in years. She replied again, : '' Pay your " XXXX '' bill and we 'll quit XXXX calling you. '' They continue to call at least every other day from a robo call { XXXX & XXXX } '' that has a recorded message asking me to call back on their main number XXXX.
XXXX XXXX XXXX AS OF XX/XX/XXXX MY HELOC HAD A XXXX BALANCE. ON XX/XX/XXXX I TOOK AN ADVANCE OF {$5000.00}, WHICH WAS PUT INTO AN ACCOUNT AT 4.25 % FIXED. 
ON XX/XX/XXXX I CALLED THE HELOC DEPARTMENT AND ASKED THEM IF I TAKE ANOTHER ADVANCE WOULD IT GO INTO THE 4.25 % ACCOUNT AND I WAS TOLD YES, SO I TOOK AN ADVANCE OF {$25000.00} BECAUSE THE RATE WAS LOWER THEN I WAS PAYING ON ANOTHER HELOC. I DID THE SAME ON XX/XX/XXXX & XX/XX/XXXX FOR A TOTAL OF {$38000.00}, WHEN THE STATEMENT CAME IN IT WAS AT A HIGHER RATE OF 5.48 %. I WOULD NOT HAVE BORROWED THE MONEY AT THE HIGHER RATE. I HAVE CALLED THE COMPANY NUMEROUS TIMES AND GONE TO A BRANCH TO NO AVAIL. THEY SAY THATS THE WAY IT IS TO BAD. 
I RECEIVED A CALL FROM A RESOLUTIONS DEPARTMENT THAT I HAVE CALLED BACK AND LEFT MESSAGES AT LEAST 10 TIMES TO NO AVAIL, VERY FRUSTRATING TO BE TOTALLY MISLEAD. I HAVE ALSO BEEN TOLD A SUPERVISOR WILL CALL, STILL WAITING, AGAIN VERY FRUSTRATING. 
THANK YOU FOR ANY HELP
In reference to a previously filed complaint XXXX has not responded to the CFPB : I filed a complaint with the CFPB ON XX/XX/18 complaint # XXXX XXXX and Transunion are continuing to report incorrect information on my credit report. They are reporting : THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim. On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived
contacted this company Midwest Recovery System in regards to a collection account advised them that this was not my account they sent me an invoice that doesnt show validation of this debt belonging to me. i have asked to have this removed from my credit report as it is showing negatively.
XX/XX/XXXX of 2017 I purchased some items form XXXX and was offered a coupon but instead the employee applied for a XXXX credit card which I am highly upset about I have tried to get this problem solved but I was given the wrong contact number and fax number by XXXX credit bureau. Its also been over 45 days and I havent been contacted.
On my credit reports it shows that Wells Fargo pulled my credit without my consent. That is a violation of my privacy. I did not authorize this inquiry.
The credit bureaus keep reporting incorrect data on my credit reports. they are reporting addresses that are fraudulent.
Good day, My situation stands as such. I invest heavily in cryptocurrencies through an exchange called XXXX, owned by a U.S. based company called Coinbase, located in XXXX XXXX California. In early XX/XX/XXXX, Coinbase froze my investment account with all of my funds still in it. They did not offer a reason nor contact me in any way regarding this issue. When I attempted to log into my account I was told to contact Coinbase customer support. I immediately did so and was told that my account was frozen " pending review from a specialist ''. 

It has now been over 30 days since my account has been locked. I am unable to trade, I have no way of knowing if my funds are, in fact, still in my account and despite having called and emailed Coinbase on several occasion I have been given no time frame and still no reason why my account was frozen to begin with. Their answers have been incredibly generic and always basically repeats the same message, that a specialist is reviewing my account and I will be contacted when they have completed their review. 

My goal in filing this complaint is twofold. First, I'm looking to have Coinbase give me back my account ( which I will promptly close, transferring my funds to a safer exchange ), and second I would like to know if what they did was legal. Is it legal for a trading platform to hold a person 's capital for over 30 days without giving any clear reason as to why? 

thank you, XXXX XXXX XXXX
XX/XX/XXXX, my account had fraud actiivity. Someone ( XXXX XXXX check # XXXX ) wrote an echeck forging my name, and citizens let the check go through, when i found the fraud check, i called citizens bank and they were aware of the scam, same check number different customers. Now i have overdraft fees and citizens bank ( XXXX said they would reimbursement me for the XXXX in overdraft fees and now they said they can't until the investigation goes through. Now i am out, {$390.00} for the fraud check and XXXX for overdraft charges. The bank rep said his manager would not give me a courtesy refund until the investigation is complete which could take months.
Bank Of America and XXXX XXXX XXXX XXXX is blocking the refinancing of my mortgage with XXXX. Even though, I only have a XXXX mortgage with them. They are claiming I have an equity line or XXXX mortgage with them in the amount of {$93000.00}. I have never requested an equity line or a XXXX mortgage from either of these entities. Yet they are refusing to let my refinancing proceed.
RushCard has stopped me from taking money out of my account I have tried to contact them for the last XXXX hours and I 've been put on hold for at least XXXX hours and then hung up on or I will talk to a supervisor and they will put me back on hold and they will hang up this has been an ongoing problem I see charges on my account that I have not purchase anything because I have not been able to use my card I 'm not able to pay my bills because they 're holding my money