WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I added an authorized cardholder who is my girlfriend 's brother. Then I tried to use my Member Rewards of XXXX Platinum to transfer to XXXX miles. However, " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' the above statement shown on Amex website. Till now, I still haven't received any email or mail regarding " Member Rewards Review ''. It will take six to ten weeks to finish this process ; stated by the agent. I think I deserve every single point I earn from purchases. Amex should draw a line that some points might be suspicious if they want to investigate instead of having all points frozen. That makes nonsense for customers to pay {$550.00} annual fee to earn points.
Our complain is about new Discover bank Online Saving account - we received the proposal from them by mail for opening this new account, XX/XX/2015. We accepted and opened this new account with confidence since we have, for years, good relationships with Discover Card and Discover Bank. We have with Discover bank : Regular CD- joint ownership by myself, XXXX XXXX and my husband XXXX XXXX ; and IRA Jumbo CD of XXXX XXXX . 
For new Discover Online saving account we transferred money from our regular bank, XXXX XXXX XXXX, with no trouble. 
At this time, we were able to access the new account. The trouble started when we startedtransfer some amount back to Peoples bank, on XX/XX/XXXX. One of customer service members mentioned that transfer of certain amounts could cause the problem, but NOexplanations on rules and limitations were given then and up to now. 
This transfer was completed, and transfer back to Discover was successful too on XX/XX/XXXX. 
Last time I could see the account, with Customer service long help, on XX/XX/XXXX, not on XX/XX/XXXX. 
I was told back in apx XX/XX/XXXX, that a special team is working on our problem and will call us. 
We never heared from them. 
Please, advice what else can we do, thanks, XXXX XXXX & XXXX XXXX email : XXXXXXXXXXXX tel XXXXSince that time, the problem is not resolved or explained. 



The problem with new account on line that EVERY time the previous password is not accepted, we have to create a new one with help of their Customer Service person whichtakes a lot of time and nerve every time. 
This trouble started when we transferred some money to our regular bank,
Wells Fargo denied me a credit card and lied about the reason for the denial. I have both a mortgage and second mortgage with Wells Fargo for over 13 years with never a missed or late payment. On or about XX/XX/XXXX, I visited https : //www.wellsfargo.com/ and saw an advertisement for a consumer credit card that offered {$200.00} in cash reward bonus with a minimum use qualifier. It also offered cash reward point accumulation of 1.5 % on all purchases.
I filled out the online application which really only asked for gross income and personal identifying information. I received a letter datedXX/XX/XXXX in which they stated they denied the credit card request based on the reason : " Credit references provided ca n't be verified ''. I gave them no specific credit reference in my application. Specifically, they state they are unable to get a credit report from XXXX for me. I called them shortly after receiving the letter and filed a verbal complaint. The call was escalated to a man in their " executive office ''. The basis of my complaint is that on their web site I can see my own FICO score, so it is obvious they not only can but have routinely pulled a credit report on me. I have excellent credit. I did state on the application that all of my income is sourced from retirement. I conjecture they denied credit because I am retired.  Regardless, whatever their reason is, it is not because they ca n't verify that I have excellent credit. I received a second letter dated XX/XX/XXXX in which they stated that after investigating themselves, they determined they have done nothing wrong. This is probably the second lie.
On XX/XX/2016, I called into Chase Mortgage customer service department and did not request that ACH be stopped. I called on this date to change ACH banking info. and upon completion of call everything was setup over the phone. Chase has repeatedly denied the above and I'm seeking counsel on this matter.
I have a balance transfer card with Bank of America with XXXX balance transfers at a promotional rate of 0 % APR. XXXX balance of $ XXXX where the promotional rate expires XXXX/XXXX/XXXX and XXXX balance of $ XXXX where the promotional rate expires XXXX/XXXX/XXXX. I was under the impression that payments would be allocated to the balance that the promotional rate expires first. However all payments are being applied to the balance with the expiration date of XXXX/XXXX/XXXX. Therefore my balance of $ XXXX will start having interest applied even if I have made enough payments to cover that balance. I was not informed about this payment application practice on the original contract nor is it detailed on any periodic statement. I would not have transferred either balance nor entered into the contract with BOA had I been presented this information. I feel like I did not have all of the relevant and material information presented to me prior to consummation of the contract.
well, I got a credit card from Bank Of America with the balance of {$2000.00} and have paying for the last 18 Months and it shows only a balance of {$1900.00} and the credit card Computation seems very unrealistic and scum!! and also the company reported me late for more than 30 days in XXXX XXXX and XXXX XXXX which in XXXX case I did not get the statements on time, and as a result damaged my credit report making harder to refinance my Home Mortgage, I paid approximately XXXX - {$1400.00} which makes it mathematically impossible for the balance the showed to be accurate.
XXXX shows late 30 days. company and documents state never late. bureau shows verified. XXXX states they were never notified of dispute from bureau. 
2.XXXX XXXX , XXXX XXXX XXXX . I requested verification on both accounts due to I have XXXX sons named after myself and they do in fact have these cards. Both cant provide me with any documentation with my signatures on anything. 
3.Bk was disputed and deleted in XX/XX/XXXX but since above disputes bureau has reinstated on my report without any notice. 
bureau is using third party info for verification and not contacting the companies as required by law. 
Two other account were also not verified. 
All requests were not notarized and sent certified mail. 


NONE OF THE ACCOUNT SHOWN ON MY DEMANDS FOR VERIFICATIONS AND CORRECTION WERE CONTACTED BY EXPERIAN.
1. I have been trying to get refunded from over-payments that I had sent to XXXX via XXXX XXXX in XXXX, NC. XXXX XXXX office acknowledged that I did make the overpayments to them, but they had sent it to CORELOGIC an associate company with XXXX. XXXX said that they had put all of the money into my escrow account, but there was nothing there except {$250.00}. I have had the home for over 8 years, yet on my yearly receipts it showed that the mortgage of {$110000.00} remains the same ; therefore, I owe XXXX the same amount of mortgage as I had borrowed -- despite years of paying my mortgage. Anyway, I tried to get my refund from XXXX, and was asked to speak with XXXX XXXX who has been nothing but an XXXX. He keeps twisting my words, talking over me, etc. He is refusing to acknowledge the documentation that I sent him including the cancelled checks that XXXX XXXX had cashed. He acknowledges that I am owed monies, but he refuses to give me a summary and check. He wants me to tell him how much I am owed. 

2. Also, I want to know why my mortgage of {$110000.00} has not changed since I purchased the house, or why I have never had any monies in my escrow account except for {$250.00}. He wo n't explain that to me. I did do a XXXX refinance of {$4000.00} last year to save my home from foreclosure, but it still does n't explain why I had no monies in my escrow account and why my mortgage has never been reduced despite paying my mortgage for the 8 years I have had the home. 

3. Also, I need to find another mortgage holder to take it from XXXX.
Add this scammer to the pile of bottom-feeding fraudsters I 've filed complaints on over the past two years -- each one a downstream player in the XXXX XXXX XXXX Scam. They are harassing me regarding a debt that never existed, and they are committing myriad FDCPA, UDAAP and TCPA violations in the process. 

A robocall was placed to my cell number, which has been listed on the National Do Not Call Registry since XXXX 2013. 

The caller ID indicates XXXX number, while the message instructs me to return the call at a different number. There are XXXX of reports listed on consumer complaint websites indicating both numbers are tied to XXXX or Empire Mediation Services. 

The message does not give the identity of the caller or the company they represent. It does NOT tell me the caller was attempting to collect a debt. 

The message DOES tell me I have only 48 hours to respond to the call. It uses words like " case '' and " retain '' -- words that most consumers associate with legal matters. The message is cleverly worded to give the impression that there is impending legal action against me.
My mortgage service r, Seterus, refuses  to send me monthly statements. I have not received a monthly statement in over 1 year. I have no statements  for the 2016     year and do not even know my loan number.  <P/> I have not chosen to go paperless and use the statements to remind me to make the payment. My la st 2 pa yments were late because I get busy and then forgot. I had paid the late fee, but this is very disconcerting for me. I rely on the paper statements.  <P/> This is a   XXXX   XXXX   loan It is my understanding that there is a Periodic Statement Rule and Seterus is required to send me my statements.
This company is listed on my credit report as closed with a balnce of $ XXXXwith XXXX XXXX XXXX XXXX and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.
XXXX  has been non-compliant with removing the unverified account ALLY FINANCIAL Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
XX/XX/2018 I sent a letter asking XXXX XXXX XXXX to verify debt and they refuse to do so
A collection company called SACOR FINANCIAL with their representative called XXXX XXXX XXXX, came to our house in XXXX broke our garage door took XXXX XXXX and his XXXX truck to their possession told us because we have a judgment against us that they can seized any valuable things from us for non payment. I was XXXX XXXX XXXX was in a XXXX because I never, never knew my husband took a loan on my name and his without me been aware of at the first place. 

He paid {$5000.00} to get both cars out. Then XX/XX/XXXXthey came again took his car again lucky for that time mind was n't there, that time he could not do nothing to get it back because he was n't working. 

In XXXX they again came to the apartment I am at, took my XXXX XXXX XXXX car away I called SACOR FINANCIAL asked them how can I get my car back, SACOR told me I have to talk to XXXX XXXX XXXX which I did, he said to pay {$2000.00} to him then agreed to make a {$500.00} direct withdrawal payment. I asked both parties to tell me how much was the loan, the {$5000.00} plus both cars taken how much left on the loan both parties can not say why?. I report the matter to BBB they investigate but still nothing so BBB told me they ca n't do anything since both parties refused to corporate so if I want I can take the matter to court and see. I can not afford one so I do n't know what to do. Now thru research on XXXX I came across with you people, I said let me give it a try and see what you guys can help me with.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX # XXXX : Unverified account XXXX XXXX XXXX # XXXX : Unverified account XXXX # XXXX : I have never paid late XXXX XXXX XXXX # XXXX : I have never paid late XXXX/ XXXX XXXX XXXX : I have never paid late Beside that, the below information is too old to have in my file, please delete it immediately : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
I am a green card holder from XXXX and I visited XXXX with my wife and daughter from XXXX XXXX to XXXX XXXX, XXXX. During my visit I renewed my debit card at a Bank of America branch near XXXX XXXX. I used the new card once or twice for withdrawing a small amount of money at BoA ATM and did not use it for shopping. When I checked my account online during XX/XX/XXXX, I noted that my debit card was used on many occasions for money withdrawal and shopping, after we left XXXX for XXXX on XXXX XXXX. More than XXXX USD was stolen from my checking account. I contacted the Bank ( made an online chat ) and explained the case. At first they charged my account with the exact amount stolen, but they reversed this credit later, claiming that the PIN number was entered at first attempt and the card was used many times, adding that if it were a fraud case, the money would have been withdrawn in one attempt! They required me to send the flight information, which I then faxed, for opening a second claim. In the mean time, I made online chat with the Bank from XXXX three times and lastly had a call on Friday, XXXX XXXX. I was told by the claim department that the fraud case was closed irrevocably! 
Long story short : my debit card must have been copied during my visit and misused after my departure. 
The card is not stolen, it is still by me! They do n't want to understand that I can not use the debit card while in XXXX for ATM withdrawals and shopping in the USA! 
They even implied that I was lying and was the real person using the card. 
I feel humiliated by the bank and want my money back along with a compensation. By the way, I am a XXXX ( XXXX ) and have a moderate sum of money in my saving account with the same bank. They apparently do n't take enough security measures at their ATMs. Instead of apologizing and refunding, they go the easy way and put the blame on the customer. I really have difficulties to understand how such a thing can happen in the heart of XXXX and how one brand name of America in the financial sector could behave such badly toward a senior customer. I am really very disappointed. Thank you for considering my case. Best Regards.
In late XX/XX/2017 I applied for a Reverse Mortgage. Everything went smoothly, counseling, in-home Mortgage Review, etc., until the Appraiser took note of the power lines running beside my property. Photo Attached. They wanted a letter from XXXX XXXX XXXX XXXX of the lines stating they were safe and were not a danger. XXXX letter attached. 

I spoke with a different Lender and they provided the actual Underwriting verbiage that pertains to the lines. 

" If the dwelling or related property improvements are located within the XXXX area, the Mortgagee must obtain a certification from the appropriate utility company or local regulatory agency stating that the relationship between the improvements and Local Distribution Lines conforms to local standards and is safe. '' These transmission lines have been here for over 50 years and run thru densely populated areas. I am sure all of the homes were financed. 

After a long silence from the Lender I received a form letter stating insufficient collateral. Copy attached. My home is paid for? 

I have talked with Local, State, and Federal Utility Regulators and no one can understand the reason for denial.
this is my second dispute I am up to date on my payments & even paid more than I owe monthly I am on good track record & got very damaging information on my credit report late payments & I'm am not in agreement with this credit reporting company they have no right to damage my credit with these aligations! the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report. show me proof that I am in agreement with you credit Bureau with my signature if you can't provide me with that than you have to take the late allegations all allegations off my report unless u provide me with proof that I'm in agreement with you show me my signature & agreement with you? you said that you were going to talk to the sources this has nuttin to do with anybody but you you have to provide me with legal documentation & signature
its Equifax again. i had student loans with XXXX that i made a complaint with the CFPB a few months ago. After my complaint was finished with XXXX, they reported the corrections to the CRA 's XXXX and Equifax. i looked on my credit report a week later and both XXXX and EQ had updated with the correct info on my XXXX XXXX accounts. a month or so later i looked at my credit report again and XXXX had he same corrected information listed yet when i looked a my EQ report the old wrong information was reinserted back on my file. i called about this but nothing was done. Being a disabld veteran im continually exhausted with all the corrections i have to fight with EQ. they need to be fined or sued. ive called a few times, but always get overseas call center that do nothing. the XXXX XXXX accounts were updated because my student loans were forgiven. because of being XXXX. EQ needs to reinsrt the correct info on these accounts. the latest status is paid as agreed. Im sure i will get the runaround because EQ always does they will say that they will dispute with XXXX. im not disputing XXXX its EQUIFAX. EQUIFAX IS THE PROBLEM. IF THEY DO NOT CORRECT THIS IN TEN DAYS I WILL SUE THEM FOR CONTINUALLY REPORTING FALSE INFO THAT THEY KNOW IS INCORRECT. IM SICK OF IT!!!!!!! 

Also when you dispute an account with EQ they leave in the remarks that consumer disputes account resolution forever and never takes it off the report. So if you disputed something last year its still on your report as being disputed. this is problem when buying a house because the lender does not know if the account is being disputed or not. im trying to buy a house. EQUIFAX DOES NOT CARE THEY DO WHAT THEY WANT. THE OTHER CRA 'S ARE FINE BUT EQ IS ONE OF THE WORST COMPANIES IVE EVER DEALT WITH. i also have some documents to upload that shows the corrected report then back to the old wrong report
I received military XXXX me from XXXX to XXXX in XXXX 2016. I shopped for a mortgage with XXXX, Quicken Loans, and XXXX receiving a Loan Estimate from each leader. I chose Quicken Loans on XXXX XXXX, 2016 because they offered me the lowest interest rate and fees for a mortgage. 

Everything was moving along until I received a re-disclosure package on XXXX XXXX, 2016. The re-disclosure package had three errors : 1. It added a {$730.00} fee for points ; 2. It increased my credit report fee from {$9.00} to {$25.00} ; and 3. It did not adjust my loan origination fee from {$1900.00} to {$980.00} as QL agreed to match XXXX loan origination fee. I addressed these errors with XXXX XXXX ( NMLS # XXXX ) on XXXX XXXX, 2016 in an email. He replied to me telling me the errors would be corrected prior to close. 

On XXXX XXXX, 2016 ( 6-business days prior to closing ) I was told over the phone they would not correct these errors. I now only have 5-business days until closing and feel I have been strung along until it was impossible for me to use another lender or have these issues addressed through the CFPB or the Department of Defense Inspector General. These fees represent a {$1700.00} increase to my closing costs which I must come up with in 5-business days. If I do n't go through with the mortgage with Quicken Loans I will lose over {$2100.00} in money spent for earnest money, inspections, surveys, estimates, and appraisals.
There are two accounts that have just suddenly appeared on my credit report that I am not familiar with. Both accounts list an opening date of XX/XX/2018 and I know that I have not opened ANY new accounts within the last 6 months. I have sent both XXXX XXXX XXXX and XXXX XXXX a letter demanding validation of the debt they are attempting to collect from me.
I got behind on my mortgage payments in XXXX 2015 because my mortgage company, Ocwen, raised my payment about {$500.00}. We were paying our own taxes of XXXX per year and Ocwen decided they would pay them. They wanted to escrow {$3000.00}, consequently we could not afford our payments. I asked for an escrow audit and beginning XXXX XXXX, the payment was reduced. We can afford our payments now, but we are {$5000.00}. in arrears. Ocwen suggested we complete a HARP application, which I did. I was assigned a relationship counselor, who failed to show for 4 straight appointments. When I asked for another counselor, Ocwen told me that was not possible. Ocwen kept asking for documents that I had already submitted. This has been dragging on for 3 months. They will not accept our XX/XX/XXXX payment because of the amount in arrears. We are getting farther and farther behind. We would like to modify our loan from 20 years to 30 years, and change our payment date, because my husband does not get his social security until the XXXX Wed of each month. Ocwen has failed to respond to our calls. Their only response is " Can you pay {$6000.00}. today? We have lived in our house for almost XXXX years and do not want a foreclosure. I would also like to change mortgage companies. We 've had several different companies, but Ocwen is the only one we 've ever had trouble with.