WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for a Citibank savings and checking account package that included a promotion : Deposit {$15000.00} and receive a {$400.00} bonus, however I have not yet received this bonus. ( Promotion code : XXXX ) The promotion terms were as follows : - Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account - Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days ( a minimum of {$1500.00} must be in the checking account ). 
- Bonus will post within 90 days from the date you complete all of the requirements - Not eligible if youve been an owner of a a Citibank checking or savings account within the last 180 calendar days I was a new Citibank customer. I opened the account on XX/XX/2018, and deposited a total of {$15000.00} to the accounts on the same day ( {$13000.00} in the savings account, and {$1500.00} in the checking ). I maintained that balance for the required 60 days. I then waited the full 90 day period that the bonuses should have posted within. The full 150 day period ended on XX/XX/2018.

I contacted Citibank on XX/XX/2018 to inquire about the status of the bonus. The customer service representative acknowledged that I was indeed eligible for the bonus, and that I had met all requirements. I was told that a request was submitted to have the bonus credited to my account, and that I would receive it within 2 business days ( case number : XXXX ). I contacted Citibank again on XX/XX/XXXX when the bonus was still not posted to the account, and I was told that the request was still pending. It's now XX/XX/XXXX, and still no bonus. 

I would not be as impatient if I had otherwise had a good experience thus far with Citibank, however they have already performed some shady actions such as unlinking my linked checking/savings account in order to charge me fees for combined balances falling below the minimum. Also, after researching, it appears many other customers have had an issue with Citi not paying promotional bonuses unless contacted by the CFPB.
My father purchased a home in XXXX. At the time of purchase my spouse and I were added to the home as vested owners, therefor we were placed on the title. On XX/XX/XXXX my father passed away. The home at that time was pplaced in the estate as his name is on the mortgage and we needed to get that changed. I contacted the loan company ( at that time it was XXXX XXXX ),  they said just keep paying for now and when the time came to change the loan to contact them it would be an easy process. In XXXX we were approching the end of the estates probate, I contacted XXXX who informed me the loan was in process of being sold to Loancare and I that I needed to wait until aprox XX/XX/XXXX and then to contact Loancare. Once the transfer between XXXX and Loancare was complete I contacted Loancare who first gave me the run around because they had not opend all docments from XXXX stating that I was a titled owner on the home as well as the death cert and my Estate Admin paperwork, so at that point they would not talk with me. I sent them an additional copy of which they still had not updated a week later. I made another phone call about one week later and after holding for one and one half hours I was told the people that handle that were gone for the day. I emailed them and finally received a phone call the next day. I asked my options and they told me I could sell the house, I told them I wanted to assume the loan and please send me the info for the process. Aprox one week later I received the paperwork. I completed the paperwork and included all their requests including the " we may need '' info as well as a {$900.00} money order for assumption fee. I send the paperwork via XXXX XXXX Next day Delivery on XX/XX/XXXX. From there radio silence. On XX/XX/XXXX I emailed a request for update, the update I received was " Good afternoon, Thank you for following up on your assumption request. At this time the request is under review, we are pending a response with a status update from the lender. We will let you know as soon as it has been received. Once again, thank you for following up. 

Please let us know if you have any other questions. '' On the XXXX statement I noticed that the Assumption Fee had beed documented on as received and and paid as of XX/XX/XXXX. 

Upon XX/XX/XXXX I send another email request for followup on the status, at this point I have heard no addition response nor received any documentation from them on the request for assumption. On XXXX, XXXX I send another request for and update, as still no updates no paperwork, they have not stated that they needed any additional information as well. 

At this point this is the only piece of the estate that is holding up the closue of the probate. 

Contact info for this company is as follows : Loan Care attn : Special Loans Department/Assumptions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, FL XXXX Loan Care XXXX
inaccurate info equifax and people credit, XXXX violates my hippa cra rights please remove them asap
I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau, as I have already proven that USA Funds is using another scam on a debt collection process that has already been beaten in federal court against XXXX. The student loans were all procured well before 2005, and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Originally USA Funds were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named XXXX XXXX. Now USA Funds plays a musical chair approach by seeing if they can slip in another wage garnishment and they are trying the administrative garnishment process again. This is not only illegal, but this company did a hearing request where I would have to travel out of state to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jersey. USA FUNDS is not bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as my 20+ year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period. 
I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed XXXX XXXX. This false administrative collection process is what got XXXX fired by the United States Department of Education as a sanctioned debt collector, and USA FUNDS has no authority from any federal agency to collect on behalf of the taxpayers of the United States. USA FUNDS is not even legally bonded or licensed to do business in the state of New Jersey.

I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY USA FUNDS.

USA FUNDS IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRACTICES ACT 45:18-2 AND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.

CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST USA FUNDS ILLEGAL COLLECTION PRACTICES!!!

USA FUNDS MUST PURGE MY FILE PERMANENTLY!!!
Company is XXXX XXXXXXXX XXXX the payday loan was PAID IN FULL. The initial loan, according to my credit report, was XX/XX/XXXX. It was a payday loan from Speedy Cash store # XXXX in XXXX XXXX. 
Because it was paid. I never received a letter or phone call, EVER. I recently got a home phone number. That's when the calls started. They called my house, told first my XXXX yo daughter that I needed to call them ASAP because they had a warrant for my arrest, and tried to get her to give them my home address. Which of course she didn't. My daughter was so upset. They called right back, my husband answered this time. He asked them, not so nicely.. Who they were and why they were calling. A woman stated that there was someone on their way to my house to arrest me, and she needed to verify my address. He laughed ever so rudely and replied, " My wife works for a police department '' which is true and not to call again. 6 more calls came in bk to bk in a matter of 10 minutes. I work nights so I was asleep, but woke up with the commotion. I called the number that called and was yelled at to give my address. That a process server was on their way with a warrant. I laughed, cause see, I with common sense, know a process server doesn't arrest people for one. For two, I work for a police department as my husband had stated earlier, and one of my clerical duties is to enter warrants into the XXXX  database. So I told her that, concluded with, I'll wait for the process server to come arrest me, and disconnected. They placed another hit on my credit report XX/XX/XXXX. This can not be OKAY RIGHT?!
Purchased a vehicle from Drive Time 2 years ago. I was told that they would report to the credit bureau, but they are not. Purposely try to make my payments on time, to help my credit, but they refuse to report while it is a positive credit. I do n't want to stop paying the loan, because that is when they will report the negative.
I found a ding on my credit report from this company and have NEVER received a bill or any other communication from this debt collector.
This company has been harassing me for over 4 years. Im not sure where the original debt came from, but they have called me 3-4 times a week since XX/XX/XXXX, as late as XXXX. They have harassed me for so long I had to delete my cell phone number that I had for 14 years. The debt collect is Wakefield and Associates. The charges are as followes. 
Principal interest date XXXX {$170.00} XX/XX/XXXX XXXX {$330.00} XX/XX/XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$330.00} XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX The original totals are almost HALF of the requested amount. I have Heath insurance ... this company has harassed me into a depressive state over a few dollars. My girlfriend left me over the XXXX and XXXX of this company calling me every day. After I deleted my phone number they used my girlfriend tax return to get her phone number and hurrassed her, saying that I would be thrown in jail, and she would be charged for protecting my identity from these evil maniacs! How is it legal to double the amount owed! Call me every day! Contact my MOTHER about this debt?! Are you kidding me?!!!! Im at a loss ; im furious, I feel cheated, I dont know my rights, but this is abuse. Theyve threatened jail time, legal litigation, and to come after my home, car, job, and personal effects.
My loan service was transferred to Seretus from XXXX. XXXX had double charged for insurance I already had for over a year and owed me a refund. They sent it to Seterus who put it back into the escrow for impounds. They refused to apply the overage to principal & interest, they are n't paying any interest and refused to refund the surplus unless I pay current. I agreed to pay current if they agreed to finally send the refund I 've been entitled to for 6 months. I paid another {$4500.00} even thought the P & I due was only {$2600.00}. They said they had to run another escrow analysis, the 3rd in 4 months, and even though they acknowledge they still have a surplus of {$1900.00} which I am due, they refuse to mail me the refund because now I 'm due for XXXX/XXXX/15. This is a never ending game. Every month they delay until another payment is due and then say I 'm delinquent. All the while they have been overcharging me for impounds. XX/XX/XXXX is the first month my payments have been billed correctly in more than a year.
My lender has locked my access to the account., Online and on the phone. They want {$50.00} direct draft from my bank account to place on deferment. I get calls multiple times a day from different numbers and they are all Navient collectors. They refuse to take a check or money order for payment. They refuse to discuss payment options until I give them my routing number. I also was unable to print my tax information because my account is locked.
ON XXXX/XXXX/XXXX I learned about a cyber-attack on Equifax. According to Equifax, I may be affected by this hack, meaning that I may become a victim of identity theft due to Equifax inability to secure my personal information. They offered to provide a identity monitor service, but at the cost of giving away my right to participate in a class action lawsuit.
On XXXX XXXX 2016, I had transferred {$2200.00} to my bank account in XXXX using transfast money transfer facility ( XXXX ) value+ option, and the estimated date of delivery of funds as per the receipt was XXXX. On XXXX, when I checked the status of the transaction in TRANSFAST website, the transaction was marked as completed. Since the transaction was completed, I did not bother to check my bank account ( in XXXX ) then. On XXXX, when I checked my bank account ( in XXXX ) to make a transaction, that 's when I realized that the funds were not transferred by TRANSFAST, even though their website still continued to mark the transfer as completed. I immediately called up the customer care for transfast to file a complaint about this issue, and they informed me that, the account was credited on XXXX ( though their website said it was delivered on XXXX ), and if I did not receive the money, I will have to send an email to their customer care with a screenshot of the bank account ( in XXXX ). Finally I sent them a screenshot of the bank account ( in XXXX ), and the issue was forwarded to transfast 's XXXX partners for researching. After researching for 2 days, I got a reply from transfast that " the XXXX partners have investigated the issue and the recipient 's bank has rejected the transaction '' and the amount will be refunded back to my account in 5-7 business days. Each of their statement indicates there is fraud going on and complete lack of transparency. I tried reaching out to the customer service for answers to the following questions, but I am not getting appropriate answers in-spite of repeated emails - 1 ) What was the reason indicated for rejection by recipient bank, and the date of rejection? I have spoken to the recipient bank ( as it was my own account ) and they indicated that they would reject a transaction only when a parameter like the account no or XXXX XXXX ( similar to routing # in US ) was wrong. I believe transfast 's partners in XXXX have used incorrect information to make the transfer, because I have been transferring money to the same account for the last XXXX yrs, and there has been never an issue. 2 ) If the transaction was rejected, how was the transaction marked as completed on transfast website? If I had not come back and raised this issue, it would have been still marked as completed and this is fraud. 3 ) If the transaction was rejected, why was it not communicated to me and why the money was not credited back to my account immediately or within a reasonable amount of time ( 5-7 business days as indicated in agreement ), but instead transfast retained my funds until I filed a complaint? Also transfast is giving inconsistent/false statements - website says transaction delivered on XXXX, customer care says transaction was delivered on XXXX, and now XXXX partner ( for transfast ) says transaction was rejected by recipient bank. Which of them is true?
This is an update to complaint #  XXXX . Online customer service a t Capital One could not provide me with the name of the individual handling my case. Capital One has charged me {$210.00} solely based on the balance transfer. Capital One said its their poli cy to charge interest. However,   XXXX   XXXX   XXXX   XXXX  stated that they sent a check to  Capital One in enou gh time so that I should not be charged any interest. We have spent much time trying to get this resolved and   XXXX    and Capital One can not seem to coordinate and fix this.
Santander charges high interest rates and daily interest charges and other fees for each day you 're late on a payment. I have paid in 2 years over {$8000.00} that has just gone to interest and nothing to the principal. The vehicle is now worth {$6000.00} and their payoff quote was for {$22000.00}. Their fees are astronomical.
Zales Store re cently offered me a Credit Card ( issued by Comenity B ank ) at 0  % interest rate for 12 months. What they did not disclose was a fee of {$9.00} is applied to customers ' credit card for this offer.  <P/> On   XXXX   XXXX   XXXX    , I visite d Zales to p urchase a ring. While attempting to pay I was offered the option to get a store card for 0 % interest rate for 12 months ( instead of paying immediat ely ). The  application was submitted and approved for $  XXXX  by me giving the store rep my  SSN. Th e card arrived on  XX/XX/XXXX  and I immediately registered to view the account online. I noticed that in addition to the charge   ( for ~ {$1500.00} ) and extra {$9.00} was added for " Promo Fee ''. This fee was not disclosed at the time I was offered the card.
<P/>
1. On    XX/XX/XXXX , I called Comenity B ank ( the card issue r ) to inquire about the fee ; I was told that they ( Comenity Bank ) did not apply the charge and that I should contact  Zales 2. I visited Zales ( minutes later ) and they  stated the charge was not applied by them but rather, by Comenity Bank  3. The Zales rep wa s absolutely unaware of any fees being applied ( for  the 12-months 0 % APR option )  and opted to call Comenity Bank while I was at the store. Comenity Bank finally admitted that they applied the charge but needed a supervisor to reverse the charge. The supervisor finally came on the phone and flatly refused to reverse the charge.  <P/> As mentioned, this fee was not disclosed ; I would not sign up for a program that is offered at 0 % interest rate but charges {$9.00} monthly for the privilege of 0 % APR for 12 months. I have canceled the credit card but Comenity Bank insists on collecting the fee. Kindly assist.
I always make all of my payments for all of my credit cards on time. I was making a payment for {$670.00} for my capital one card around XX/XX/XXXX and the payment went thru and said confirmed as if the payment was good. I did n't realize at the time I used the wrong payment method to pay for my card. Once it went I did not realize it was the wrong method of payment once Capital One reversed the payment I made they marked me as a late payment because it did not go through and marked it as Delinquent. Once I realized it was late and delinquent I immediately made a payment and called to talk to someone at Capital One about the problem and I was told there is nothing I can do to have the Delinquency taken off even after a continuous four months of me continuing to pay on time. It is my first late payment, and it would n't have been late had I known I used the wrong method of payment.
My bank ( HSBC ) sold my mortgage without my permission. I 'm now stuck with some debt collection company out XXXX that makes it much more difficult to pay, and no doubt leaving me open to late fees. Why do I have to jump through hoops to refinance, but the banks can XXXX me with one day 's notice? ( I got their Notice of Servicing Transfer letter ONE DAY before this took effect )
JARED 'S JEWELERS CLOSED MY CREDIT CARD ACCOUNT THAT HAD ALWAYS BEEN IN POSITIVE STANDING FOR OVER 3 YEARS. I NEVER RECEIVED ANY NOTIFICATION BY PHONE OR MAIL THAT MY CREDIT CARD ACCOUNT WAS GOING TO BE CLOSED. I HAVE BEEN AN OUTSTANDING CUSTOMER WITH THAT CREDIT CARD ACCOUNT. I WAS EMBARRASSED WHEN I TRIED TO GO AND MAKE A PURCHASE AND THE CARD WAS DECLINED. I FELT AS IF THE COMPANY WAS DISCRIMINATING AGAINST ME BECAUSE OF MY CREDIT RATING OR SOME OTHER FACTOR THAT MADE THEM CLOSE MY ACCOUNT.
We thought we were only 3 months behind on our payments and on XX/XX/XXXX we  sent 1 payment and again on XX/XX/XXXX we sent another payment so then we thought we were only 1 month behind. But apparently we were 4 moths behind and Carrington rejected both payments and filled for foreclosure. Since then we have been trying to work with them to no avail. The first loan mod was declined because we didn't make enough money and now that business has picked up they are refusing to review the second application because we are to close to the sale date. We were just as close with the first application and they didn't refuse it so why are they refusing it now? It makes no sence to us. We feel like they have not tried to help us at all and they are just setting us up for failure.
i have a capitol one account that was open off fraud. I request account be deleted from credit report.
XXXX M I XXXX XXXX XXXX XXXX # XXXX, XXXX, CA-XXXXCapital OneXXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX : Account # XXXXDear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accountsAnd maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to above mentioned accounts with the XXXX major credit reporting agencies. 
Although I made a late payment on XX/XX/XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payment was a temporary oversight and it has not occurred since that time. The late payments I am requesting deleted and / or removed occurred on XX/XX/XXXX. 
These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from you soon. 
SincerelyXXXX XXXX XXXX XXXX
Contacted Experian and XXXX in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX via certified letters informing them that they are incorrectly reporting a negative account as a status of being scheduled to continue on record until XX/XX/XXXX. I referred them to the Fair Debt Collection Practices 1978 and the Fair Credit Reporting Act 15 USC 1681. I referred them to an on-line article, written by Experian themselves and still found on-line for consumers to read, written on XX/XX/XXXX by XXXX XXXX, where they note that the 7 year period starts from the date the account became late and was never current again. My account, verified by the bank, 3 different times as correct over the past 2 years, was noted to be 30 days late in XX/XX/XXXX, 60 days lateXX/XX/XXXX ; 90 days late XX/XX/XXXX; 120 days lateXX/XX/XXXXand Charged off inXX/XX/XXXX The first 30 day delinquency in the series will start the 7 years reporting and the entire series needs to be deleted after 7 years. Experian and XXXX is in violation of the 2 laws and need to be held accountable, especially since they needed to settle inXX/XX/XXXX with 31 state attorneys on inaccurate credit reporting information on consumer reports.
I started a streamline refi with Freedom mortgage on XXXX XXXX it is still not done they have done nothing but string me along asking for everything under the sum
Debt was included in CH XXXX BK. They have called me 6-7 times these past few months trying to collect this debt. This is very illegal. I have phone documents to prove this. They deserve to be fined, and Deserve a settlement. 

I have phone records showing the incoming calls from them. THIS IS HARASSMENT!