WillisBack/dataset-financial-user-claim huggingface dataset:
I got an following email from Citibank about a promotional offer where-in if I open a citigold account with the promotion code : XXXX and then meet the following requirements, then I 'll be getting the XXXX American Bonus miles after 90 days ( starting from the last statement after the requirements are met ) Requirements : 1. Spend {$1000.00} on the debit card 2. There has to be 2 consecutive bill payments in consecutive 2 months. 

I met both the requirements in XX/XX/2016, then I waited for the statement generated on XXXX XXXX 2016. After that I waited till 90 days ( 3 statements ) i.e the statement generated on XXXX XXXX 2016, still i have n't ' got the XXXX miles. 

After that I called the customer care of Citibank multiple times, escalated the case to supervisor, still nothing happened. Waited for next month statement as well on XXXX XXXX 2016 which was delayed by 2 days and I finally got it on XXXX XXXX 2016, still no miles. 

This is same scenario with couple of my friends as well. 

So I was left with no other choice, but to raise a complaint against these cheaters who make false promises just to attract customers in the beginning and then they never fulfill their promises. 

If I wont get my deserved/earned XXXX American bonus miles, I 'll close my Citibank account and I 'll never open it again. 

Hope you understand my frustration here and help me get my XXXX American miles from Citibank. 

Thanks and regards, XXXX XXXX XXXXXXXXXXXX XXXX
Experian XXXX/XXXX/XXXX {$11.00} nothing they could do about the fee. 
XXXX XXXX/XXXX/XXXX {$10.00} plus tax it has n't hit my account yet. Nothing they could do about the fee. 

My Identity is compromised in the XXXX security breach. Due to this I had to lock down all of my credit bureau. I think it is highly unethical to charge a fee to lock down bureau accounts under this situation.
I opened a new American Express card with a 0 % APR through XX/XX/XXXX in XX/XX/XXXX. 

I was charged interest on my XX/XX/XXXX and XX/XX/XXXX billing statements. 

When I called in to complain, the associate informed me that 'many customers ' are experiencing this issue. 

While the associate filed a ticket, I find that it is best to be proactive in these matters.
portfolio associates keeps calling my house several times a day not leaving messages but some how has my phone number ive blocked them and still they get thruit is really getting annoying that they keep callingim on the national do not call list but they keep buying my phone number some how
My credit card currently charges 28 % interest rate and refuses to lower it. They say this is the lowest apr available but no other card I have is like this. XXXX XXXX card is unethical and charges as much interest as a loan shark. When I try to get this lowered they send me the same form letter no matter what I ask or say.
We are repairing our Kitchen and flooring under an insurance claim to address water damage. USAA, our mortgage company, is unreasonably holding our claim money and preventing us from paying our contractor. It was very difficult to get OUR money from them to even begin the work, and will only give us add'l money once we are " 50 % '' complete ( as they define it ). We have signed affidavit from our contractor, stating we are more than 50 % complete. The repairs were fix plumbing, mold remediation, fix floor, rebuild kitchen. Plumbing is fixed, mold is gone, approx XXXX sq feet of XXXX sq feet have been tiled and grouted, permits for kitchen pulled, appliances, cabinets, and counter ordered. They wo n't return our calls to schedule and inspection to determine that more than 50 % has been completed. They have been rude and uncooperative. This is OUR money ... we 've done nothing wrong. We 're just trying to get our house fixed. Because of this, we 've had to put most of the work on credit cards, incurring debt and having to pay interest. This is ridiculous. USAA has been more frustrating to deal with than our insurance company.
I am trying to place a credit freeze on my account with TransUnion. They say I already have an account and when I try to access my account they say I am not answering the questions correctly. I call the number they gave and sat on hold for XXXX minutes, then when someone finally answered, we had a bad connection and they hung up on me. How am I supposed to put a freeze on my account?
On XX/XX/2017 I went to a car dealership with hopes of purchasing a new car. I requested that the car dealership only run my credit through 1 company. After checking my credit report I noticed they shopped my credit report to 10 different companies. I did not authorize this.
I received a call from ( XXXX ) XXXX to call ( XXXX ) XXXX Bushwood Capital about ( as thats what was left on the voicemail. ) It was the 1st call Ive received from them ever. When I called I spoke to XXXX XXXX and XXXX XXXX. XXXX XXXX was treating me to make decision on the actual today with me receiving validation or notice of the debt. I asked that he send a letter in the mail as email address I did not want to provide email as I did not know if they are scammers. Then after I spoke to XXXX I was transferred to XXXX. Same thing. Very aggressive and harassing me to make a decision today on an account I didnt know about. I did update my address but they said the will put down that I was unwilling to pay the debt, which is untrue.
{$280.00} dollars were taken out of my account via an ATM in a different city than mine.
I opened up a personal checking account with TCF Bank online on XX/XX/2017. They requested a supposed " credit check '', which I submitted to, but have never received the results of this supposed credit check. 
On XX/XX/2017 TCF Bank said via email that my account was opened, I received nothing. 
On XX/XX/2017 they told me via email that my debit card was in the mail. 
I received this debit card on XX/XX/2017, which had the wrong name on it! I have absolutely no idea how TCF Bank came up with this wrong name after supposedly doing a credit check. The name was not XXXX, but instead is XXXX! Who is that? I have no idea. 
On that same date, I called their 800 number. They told me to go into the local bank and that they could change it and issue me a new card. I told them that the local bank could not print out a new debit card, but their on the phone support said that they could. 
I went into the TCF Bank located at : XXXX, XXXX, MI XXXX on this same date, which again was XX/XX/2017. 
I took in the card and ID, told them it had the wrong name, they had no idea what I was talking about. They got that particular bank manager to come over, she had no clue what I was talking about. The wrong name! 
So they had me fill out a name change form. Why? I have no idea. Because they do not know what they are doing at this location either. I did the name change form. They said a new card with the correct name would be mailed out in 2 business days. 
Fast forward a week later, no card and name on account is still wrong. I call the 800 number for TCF Bank on XX/XX/2017, she calls the local bank in XXXX, MI. 
The location in XXXX, MI never even sent in this name change form! So it was sitting at this office for an entire week, with my personal information on it, plus my Social Security number. This is outrageous for a bank! Who trains these idiots? 
The lady on the phone says again, the name will be changed in 2 business days and a new card mailed out. It is currently XX/XX/2017 and I just logged into my TCF Bank account, the name is still wrong! It is still listed as XXXX. 
This is direct deposit from Social Security. This is a lump sum for Social Security XXXX because I am XXXX, as per the Federal Govt. figured out. I do not appreciate being treated like this by TCF Bank. I currently do not have access to my funds either! I do not have any ID to match to the account or the bank debit card that says my name is XXXX. I have given them over a week and a half for a simple name change, that should not have been wrong in the first place. It is still wrong.
My mortgage company denied my application for modifying my loan. In their denial letter, they stated, what I feel are, generic reasons for not qualifying for any of the modification programs. I have tried to ask for clarification, and a better understanding of why they believe I am not eligible, and they are unwilling to give me that information. While they did send an appeal form with the denial letter, it is kind of hard to appeal their decision, or interpretation of the information that I sent them, if they will not go into the details with me. It is also impossible to provide them with additional information, or point out a mistake that may have been made, which is the reason for the appeal, if they are not forth coming with how they came to their conclusion. A few examples, they claim my property has a negative NPV, but will not give me the numbers they used to arrive at this determination. They are using a credit score, XXXX of points below the credit ratings I have pulled up on line. They are using a property value, XXXX dollars below the market value of my property, even though I have submitted a copy of the last appraisal I had done, and have pointed out, that they used an appraiser who did a drive by exterior appraisal, and compared my property to others in the area that are less than 1/2 the size. I am trying to find out if their is a way to file a complaint with XXXX about this, and where I would go, or who I would call to accomplish this.
" " '' I have disputed this Charge off CITY OF XXXX XXXX XXXX for months.XXXX and XXXX have Deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... XXXX XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account )
XXXX XXXX XXXX XXXX. Keepsreneging on an earlier settlement with the CFPB, and states my account was in cghharge off/collections, espite the fact that the account was paid and closed.XXXX   hadrefusedtomprocess my report to the gap coverage that I had earlier paid for ; it thereafter agreed tht I was entitled to gapcoverage and agreed to alter its prior credit report that the account had been charged off and in collection status. 
As of this writing, the report on TransUnion says the account has been charged off and in collection status. These actions are vindictive, wrongful and have impairedny credit.
MASSIVE DATA BREECH! NOTED IN XXXX 2016, CALLED XXXX REGARDING MULTIPLE " ACH WITHDRAWALS '' FROM PERSONAL CHECKING ACCOUNT. 
REPORTED TO CFPB BUT UNABLE TO FOLLOW UP DUE TO GLOBAL ACCOUNT TAKEOVERS. 
NOTED THIS PAST FEW WEEKS MY BE DUE TO FRAUDULENT ELECRICAL WIRING BY A SCAM ARTIST 10 YEARS AGO THAT INVOLVES MY PERSONAL AND PROFESSIONAL PRIVACY AND SECURITY. 
CASE 'DROPPED ' BY XXXX POLICE DUE TO RACIAL PROFILING. 
MASSIVE BANK FRAUD IINVOLVING 5 BANKS, FRAUDULENT TERMINATION OF EMPLOYMENT. UNABLE TO LIVE A NORMAL LIFE DUE TO PHISHING, SPOOFING AND SURROUNDED BY INTERNET THIEVES IN THE NEIGHBORHOOD. 
PLEASE HELP ME! NO ONE CARES OR GIVES A XXXX. 
FRAUDULENT BUSINESS, AWARE OF THE SCAMMERS BUT I AM POWERLESS WITHOUT THE LOCAL POLICE DEPARTMENT. 
XXXX POLICE LAUGHED AND JOKED ME. ABOUT TO WRITE TO THE XXXX XXXX TO EXPOSE THE CITY BUT THOUGHT IT WOULD MAKE ME DISAPPEAR. 
PLEASE, PLEASE HELP ME. NO WAY TO EMAIL ME THAST IS SECURE, NO SECURE PHONES EXCEPT MAYBE MY FLIP PHONE XXXX XXXX. I AM A PHYSICIAN AND DISRESPECTED, DISHONORED AND DISMISSED.
I use a Chase ATM card to withdraw cash from ATM machines at XXXX in XXXX. The machine charges a transaction fee which is disclosed prior to the transaction being completed. Later, the transaction is posted on my Chase statement along with a second transaction for a 3 % currency exchange rate fee.

First, I feel that this fee is extraordinarily excessive based on Chase 's actual costs for the exchange. The banks actual exchange rate costs are probably less than 1/100th of the 3 % fee. A call center representative actually referred to it as an advance fee. My understanding is it is a real-time withdraw backed by actual funds. The transaction is not a cash advance or related to any credit but again a direct withdrawal.

Second, the 3 % fee is not disclosed during the transaction and only shows up later on the statement. My opinion is that a publicly regulated bank as large and sophisticated as Chase, with all the responsibilities and privileges that entails, could easily be transparent at the time of the transaction about what the full costs of the funds will be. Why is it not calculated at the time of the withdrawal to show there is a 3 % cost to receiving funds from a Chase account in a foreign country.

I am concerned that Chase is charging what seems to be an extraordinarily excessive and even abusive fee because consumers are not aware of how little the actual exchange costs are to Chase. Please ask this enormous, systemically important, taxpayer insured, financial institution to justify this less than transparent excessively costly exchange rate fee.

Also ask Chase to make the exchange fee transparent at the time of the transaction. They should be required or at least encouraged to price it aligned more closely with their actual cost. To me this high rate suggests almost discrete usury. Usury and less than transparent costs discourage activity important to our country 's economic growth and inhibits participation in global financial transactions.

A clear direct response is eagerly awaited.
I was told that I was going to be a co-signer for a car loan from XXXX I es informed I was only going to be in a 6 month contract as co signer I ended up being he primary holder on top of it they later told me theirs no such thing as a 6 month co signer they call me demanding payment every month and on top of it all I got screwed by the man who I was co-signing for because the interest is more than theyactual payment if the car a the man I co sign for decided he didnt want it I went to talk to the financial department and the person whom assist us that day we went and was told he didnt work their any more
My previous complaints were delayed, ignored and not addressed by XXXX XXXX. I received a call today and they wanted financial documents ( application and denial letter ) from another mortgage company. These documents are not needed. The criminal sales practices by XXXX XXXX Mortgage are the issues here.
Have called over 20 times. The debt is well past the statute of limitations. I have told them many times to place me on their do not call list and they have told me that they refuse to do so. They have threatened to sue on the phone, and then they sent me a letter that they legally can not sue because of the age of the debt.
I began writing letters to the credit bureaus and specific creditors reflected on my credit report beginning in XXXX of 2017. I believed items on my credit report reported inaccurately an not in compliance with the FCRA and FDCPA. The accounts in question are XXXX XXXX XXXX, XXXX XXXX XXXX and GM Financal.
Hello, I have sent numerous letters to XXXX regarding the accuracy of this charge off appearing on my credit report. Attached is the last XXXX I sent back in XXXX. The company could not find or locate my account nor verify that the account actually belongs to me. I respectfully request the removal of this charge off on your end based on the violation of the FCRA. The account number is XXXX.
I do n't remember the dates but I know this started 3 months ago. I called Navient and was given a number of a company that I was informed I needed to go through to have the paperwork processed on my loan. I had to make 3 payments of XXXX that was debited directly from my account. 
I received an email a couple days ago from Navient saying my payment was going to be double what I was told on the phone. I now have my XXXX. I know school was not a mistake but having Navient might have been ... I can not afford these ridiculous payments. I 'm not making much more as an XXXX than I did as an XXXX. I certainly would have done my own paperwork to save myself more than 700 dollars if I had known that was an option. The paperwork company is XXXX XXXX. Also, I just noticed that my loan at that time was put in forbearance. I might add although Navient initially connected me with this loan processing company, today they said they ca n't tell me the name of the company over the phone.
On XX/XX/XXXX, I filed a dispute with Equifax due to false negative item on my report. The confirmation number for this dispute is : XXXX  for the amount of {$2300.00} ( monies owed to landlord ). I called them on XX/XX/XXXX to check on the status of the dispute. The agent informed me that the company was able to confirm the accuracy of the item ; however, they never contacted me via phone, mail, or email to advise me of this information.I even went online to check on the status, and it had no status pending. To my understanding, they have 30 days to respond and give me the results of the dispute. After speaking with an Equifax representative, they informed me that they can send a copy of the dispute resolution via mail/email ; I never received the documents. I 've been dealing with Equifax for 6-8 months and they never respond to me, unless I report them or call to complain. As Americans, our entire livelihoods somewhat revolve around our credit score. So as of XXXX ( today ) I filed another dispute for the same negative item with Equifax and my new confirmation number is XXXX. If something is wrong or incorrect, it can impact our lives tremendously. The negative item does not belong to me and is not my responsibility. I reached out to XXXX XXXX XXXX ( the debt collecting agency ) and they also said, there 's nothing they can do. I, honestly, do not know what I should do next, which is why I 'm reaching out the the CFPB.
ON XX/XX/2019 I SPOKE WITH EQUIFAX REGARDING A DISPUTE FOR PUBLIC RECORD-BANKRUPTCY THAT CAME BACK AS VERIFIED. EQUIFAX INFORMED ME TO CALL XXXX XXXX WHOM REPORTED THE INFORMATION TO THEM. I CALLED THE DISTRICT COURT AND WAS TOLD THAT MY FILE WAS IN STORAGE AND NOONE COULD RETRIEVE IT. I SPOKE WITH XXXX XXXX ASKED FOR MY DISCLOSURE REPORT # XXXX, INFORMED THEM TO DISPUTE THE PUBLIC RECORD BECAUSE IT IS SHOWING INCORRECT INFORMATION, AGENT CONFIRMED INCORRECT INFORMATION THAT IS REPORTING.
I have had XXXX accounts with Southern Oregon Credit Service for a few years now. The debt collectors have now attempted for the XXXX time to garnish my wages. XXXX accounts have been paid off with them. The XXXX times, I called SOCS to make the delinquent accounts right with them. Each time they have worked with me to fix the problem. This XXXX time was different, I will admit that I did not return their call. however I have never returned their phone calls. I send in my payment of XXXX each month. XXXX is the collector I last talked to who told me that they sent back my XX/XX/2015 Check because my account was expired and that I cannot just send in money and expect them to accept it. I told her this is the arrangement that was made with them. She said they refused the check and sent it back to me. I have yet to receive the check. Today XX/XX/2015 I received the garnishment papers as well as a letter from their attorney that was written on XX/XX/2015 but post marked on XX/XX/2015 The letter states that I have XXXX days to dispute the validity of the account. This leaves me with a week to make any arrangements with them. However When I called to make the necessary arrangements, they refused to help me and told me that the garnishment would stay in place. I need to know what I can do to fight this. I feel that even though I did not make contact they are still contradicting themselves. Their attorney is telling me that I can make payment arrangements but XXXX has refused to help me with anything, as well as refused my monthly checks. I have spoken with my bank institute who has confirmed that my XX/XX/2015 check was in fact cashed and processed.  Is there anything that I can do to fight this Garnishment? This will be processed as of next week. I can use all the help I can get. Legally isn't their something against refusing payments on accounts?
IN REGARDS TO : EQUIFAX XXXX. XXXX XXXX XXXX GA XXXX I HAVE DISPUTED NUMEROUS TIMES WITH EQUIFAX ABOUT THIS FRAUDULENT ADDRESS THAT DOESNT BELONG TO ME. THIS SAME ADDRESS COTINUES TO REAPPEAR ONLY ON MY EQUIFAX CREDIT FILE AND I DON'T KNOW WHY WHEN I HAVE NEVER STAYED NOR RESIDED AT THIS RESIDENCE OF XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I HAVE CALLED INTO EQUIFAX TO HAVE THE FRAUDULENT ADDRESS REMOVED AS WELL AS THIS WILL BE MY SECOND COMPLAINT WITH THE CFPB ABOUT EQUIFAX ALLOWING FICITIOUS INFORMATION TO BE PUT ON CONSUMERS FILES. THEY HAVE REMOVED IT THE ADDRESS AND THEN IT REAPPEARS. I HAVE LIVED IN THE SAME HOME ALL MY LIFE. NOT A FREAKING APARTMENT COMPLEX.
My XXXX credit report has an inquiry from Alliance Data on XX/XX/2018. 

I never applied for any services or credit with Alliance Data and as such Alliance Data is in violation of the FCRA.

Alliance Data had no permissible purposes to my credit report and can not provide any any document showing XXXX XXXX XXXX applied for any credit or service with Alliance Data.
My bank card was used to buy a {$100.00} gift card without my authorization : XX/XX/16 XXXX XXXX- XXXX XX/XX/XXXX # XXXX PURCHASE XXXX XXXX- XXXX XXXX XXXX CA XXXX