WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is regarding the rewards program with XXXX 's XXXX Master Card issued by Synchrony Bank. I have been a customer for approximately 15 years and my rewards check has always been issued on XX/XX/XXXX each year. This year a couple of weeks prior to this, I received a letter stating that : " For your convenience, starting in XXXX, the XXXX XXXX XXXX Mastercard Cash Back Rewards you earned in XXXX will be automatically loaded onto your XXXX XXXX XXXX membership. We will no longer issue you a check. Look for the blue envelope with your Rewards Notification Letter to confirm when your Cash Back Rewards are loaded. Once loaded, you can redeem them at any U.S. or Puerto Rico XXXX XXXX XXXX. '' I waited for the " blue envelope '' delivered in my mail on XX/XX/XXXX. I went to my local XXXX XXXX XXXX and attempted to redeem my points and was told by the customer service agent at the store that the points amount had not been loaded onto my card yet. They called customer service at Synchrony Bank and we were told it could take up to 10 days for the amount to be loaded onto my card and to check back on the XXXX or XXXX. 

I returned to the store on the XXXX to find that the points amount had still not been loaded so we called customer service at Synchrony Bank again and was then told that there was a " glitch '' in the system and some customers funds had not been loaded and I should check back with them in about 14 days from the date of issue of my letter. 

I called again on the XXXX, exactly 14 days after the date of the letter and now they tell me to just keep checking because they don't know when the " glitch '' will be fixed. 

I phoned again today XX/XX/XXXX and was told that the funds are still not loaded to my card and again they tell me to just keep checking. Not that it should matter how big or small, but my reward amount is over {$1400.00}. I asked them if they would be paying me interest ( 25 % ) on my money that they can't seem to release, because this is what they would be charging me on an unpaid balance. I also asked them if they could simply send me the check in the mail as in years past, but they said no they could not do that. 

Surely I am not the only customer this is happening to and I don't care how they resolve it, I just want a resolution soon. Can you please help me?
I am contesting the account with XXXX/XXXX. It is an account that was opened without my consent. It is showing a balance of {$00.00} with a {$3500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 0 % usage. I need Experian and XXXX/XXXX to correct this account on my Experian report. I should not owe XXXX/XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.
To whom it may concern : I am writing because 2 weeks ago I spoke with a Representative who informed me that my late fees ( over {$700.00} ) could not be retracted. The problem is that I was awaiting paperwork that was never sent. After speaking with the representative she informed me that my account was set-up for 'online ' and she apologized. My concern is that I was receiving other correspondences from Navient so how all of a sudden did it stop? She could not answer that. The end result was that I would incur the over {$700.00} in late fees and any other fees deemed to my account. 

I am a part-time working mother who makes {$20000.00} Per year at best. I am currently completing paperwork for an Income-Driven Repayment schedule. I have had difficulties been repaying these loans due largely to my son 's XXXX   XXXX that has caused him to be in the hospital several times and requires me to be readily available to his school. This has hindered my financial capabilities immensely. 

I have worked in the XXXX XXXX XXXX fields my entire career and I have not been able to live and afford these loans .... meaning my degree seems not to have benefitted me a great deal. I have been trying to do the right thing by keeping up with not going into default but for Navient to charge me continuously outrageous fees is unfair especially in this case because I was not at fault. 

It's so hard for working parents and ten times as difficult when you are raising a child with XXXX. I am requesting that ANY and ALL late fees be removed from my account. 

Please let me know of the findings and result after your investigation and decision. 

Thanking you in advance, XXXX XXXX
I prviously filed a compaint # XXXX against AFM Finacial Services for not providing monthly statements reflecting my payments and current balance. AFM responded with an apopogy and stated statements will be provided. I received one statement as a result, for XX/XX/2016 in which the the payment date was changed from XX/XX/XXXX to XX/XX/XXXX. I have not received any statements since despite calling AFM XX/XX/XXXX to point this out.I also reffered them to the original complaint number andtheir response, to which AFM ( XXXX-no last name provided ) claimed to be unaware of stating it must have been their " compliance XXXX '' .The end result is the same, I am not receiving statements although I have continued to make my monthly payments. I have no assurance my account at AFM is being credited correctly.I have no documenatation for IRS purposes since this is a medical debt.I am inclined to stop making payments since there is no acknowledgement from AFM that I have faithfully made payments as agreed. AFM has alternated from being unduly rude to complete indifference when I contact them about this issue.At this point I would consider the debt invalid since AFM will not acknowledge my payments.AFM does deposit my check 's but again without a monthly statement I have no idea, or at this point, any faith my account is being properly credited.
XXXX XXXX credit card ( XXXX XXXX ). was transferred and bought by XXXX XXXX XXXX XXXX phone # XXXX XXXX XXXX to verify paid and settled in full. It was showed as a paid and settled account on XX/XX/18 but on XX/XX/18 they took paid charge off. Off the comments. Its not in dispute other then the dispute should say paid charge off. Settled and paid in full thx. XXXX XXXX
The debt collector and the credit agency are in direct violation of the FCRA. The debt collector did not send proper documentation notifying me of the debt or me right to dispute. Several written notices have been forwarded to both the debt collector and the credit agency. The debt collector and the credit agency have failed to show legally DOCUMENTED proof that a notice was sent. In an effort to continue to falsely collect on a debt I do not owe the debt collector and credit agency are reporting erroneous information. Also, the debt collector has violated the FTRA by not properly reporting valid information.
My name is XXXX XXXX, my former acct # with XXXX is XXXX. I canceled my service end of XXXX of this year. I had XXXX XXXX. I was told I would receive a return box for the XXXX Wireless router. I never received it ... I called on XXXX separate occasions after that to receive a return box. Still never received anything and I then began getting collections calls. I was advised if I go to a XXXX store I can return it and would no longer owe anything. SO I did that, tracking number : XXXX I believe equipID is same as shipping ID which is XXXX ... Package was received on XXXX. I though I was in the clear. Now 3 months later I am receiving collection calls for this same reason. XXXX says to talk to them, they say to talk to XXXX. AND XXXX has reported late payments to my credit bureau effecting my credit score. I need this removed from my bureaus and the debt to be removed as I have satisfied any debt I had with XXXX.
USAA staff advised us on XXXX, in XXXX separate phone calls, that USAA is now permitting all fraud activity on their members ' cards to be handled by a fully automated system. USAA further advised us that this system is completely autonomous and there is no human oversight or control. Therefore members ' cards will be subject to hold and suspension with no known cause or effect. This will cripple business and personal activity of those members who can now not rely on the availability of the credit and purchasing power given to them under the card members contract with USAA. 

This violates the following : USAA card member agreementState lawFederal lawTruth in lending lawFederal law governing internet and on line treansactions Personal civil rightsWe require USAA immediately reinstate a manual control over their fraud alert issues of all card members accounts before serious retribution and/or risk to USAA employees and public safety that could result in loss of life is reached. 

Under this current situation we have been forced to suspend all state to state travel as we can no longer depend on our credit cards being accepted at all locations we use for purchases to conduct our day to day business. As USAA can not know when, or for how long, or for what reason, alleged fraud activity by their automated system would shut our cards down ; we are forced to suspend operations. We can not jeopardize our staff, volunteers, or clients to the risk of an ambiguous automated system that would result in our staff, volunteers, or clients being held hostage by an out of control automated system. USAA 's unwillingness to correct this matter and provide proof of cause and effect is a form of extortion and could be considered an act of terrorism against us - a religious based operation. 

XXXX XXXX, Va.
On behalf of my Client  XXXX   XXXX   XXXX   XXXX  I applied for an SBA guaranteed working capital loan.     On no less than  7 occasions over the past four  months the loan committee has requested additional information, which they already had. These people were too lazy to look for the info they already had.     Additionally after two months they asked for cost of goods sold information when there is NO COST OF GOODS SOLD. This is a company that receives a commission for its sales to customers from a manufacturer. How stupid can these people be.
A credit card I had went to collections and I paid the credit card directly to the credit card company. This happened several years ago. A year ago I received a notice from Gurstel Chargo that I was going to be sued over the debt in XXXX County and they sent me some questions in a legal document. I responded, explaining I had paid the debt and asked them for proof of the debt, as I believed I had completely paid off the debt. I hand delivered the response, so I know they received it. I heard nothing for eleven months. Then I get a letter saying they were asking for summary judgment, since I did n't respond to their request for " interrogatories '', which I had never received. Their interrogatories were to have been answered within 30 days, and if I did n't, the debt was admitted to. They made no attempt to actually show that I owed to the debt. I believe they never even mailed me the interrogatories. This was just a way to avoid to have to prove the debt, a way to avoid the burden of proof of the debt. I answered their letter, explaining just this, saying I thought this was misconduct on part of Gurstel Chargo and requesting summary judgment because of attorney misconduct. I tried to hand deliver this to them, they did n't want to accept this letter, but eventually did. In response, they sent me a letter asking me to send them the settlement papers showing the settlement terms and payment proof when I paid the debt. I once again, sent them a registered letter explaining I had paid the debt directly to the credit card company. Gurstel Chargo has made XXXX attempts to switch the burden of proof of debt to me rather than actually prove the debt. They have had my request to prove the debt for over a year and I have received nothing from them. I believe they never mailed the interrogatories to me in attempt to get an " admission '' without having to prove anything. I think this is probably not the first time they have attempted this. When the paralegal was reading my letter accusing them of such, she did not want to accept the letter and was very upset with it.
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : XXXX XXXX, as shown on two reporting agencies XXXX  and XXXX  and is showing incorrect information. I sent them letters requesting validation that is competent evidence bearing my signature showing that I have or have ever had some contractual obligation to pay them. I sent a letter on XX/XX/2018 that was received by them through certified return receipt on XX/XX/2018 tracking number XXXX. On XX/XX/2018 I received in the mail a letter from XXXX XXXX XXXX a that states that the information they have is correct and sent me copies of a credit card statement. I asked for competent evidence bearing my signature. A copy of a statement does not constitute verification as stated in my letters. On XX/XX/2018 I sent out a second letter I requested for them to provide me with the names addresses and telephone numbers of each person who personally verified the alleged account. So I could follow up on there procedures since on proof bearing my signature was provided. I received from them a second letter on XX/XX/2018 again they said the information is correct. Both letters state they will be marking the account status as disputed with the credit reporting agencies however to this day non of the reporting agencies are showing it marked as disputed. The type of account is listed as OPEN. Please remove this incorrect information. Midland is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. The " Recent Balance '' and " Balance Updated '' Midland has most recently reported is { {$1500.00} }. Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. Midland may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Midland also may not show the account as " Open '' as they are not a creditor and may not list an account as open. Midland also may not report a recent payment history as they are not a creditor. I am requesting that this account be deleted since they are in willful non compliance of not providing me the requested information in a timely manner or any time for that matter. They are also in violation with the Fair Debt Collection Practices Act Sect 807-8 and Nevada Revised Statute 598C.160 Duties of Reporting Agency. Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
I recently received a card in the mail from NetSpend stating that I could receive my paycheck two days sooner if I chose their card and paid a {$9.00} monthly fee for their premium service plan. I am not certain how they got my information or why they would send the offer to me. However, because I live in a relatively low income neighborhood, I fear that NetSpend is preying upon individuals who lack transportation to banks and/or the financial savvy to recognize predatory lenders/finance companies. I was instructed by a member of the XXXX to bring this issue to the attention of the CFPB.
Select Portfolio Servicing Inc is my mortgage company ( this is the XXXX owner of my mortgage in about three years. Two years ago I received help from the federal government through a HOPE grant to avoid loosing my home to foreclosure. They paid my previous mortgage company {$17.00}, XXXX to bring my account out of foreclosure and I was able to resume paying my mortgage after resolving my financial issue. Since this time that SPS purchased my mortgage they are reporting to the credit agencies that I owe them this amount in my payoff amount. I understand by getting this HOPE grant that if I do not keep the home, ( sell it, or loose it ) I will be responsible to repay this grant amount of XXXX if I do n't keep the home for ten years from the grant date, about two years ago. Here is my issue .... SPS received the amount of XXXX ( or at least the companie that owned my mortgage then did ) and I do n't think it 's fair for SPS to calculate my interest on the total amount still owed plus the grant amount daily, and montly and for SPS to report that I owe a debt of the additional amount of the grant money they received of XXXX. This is a loan I got from the federal government and I will owe the federal government if I loose or sell my home within the ten year guideline. SPS is using this amount to charge me additional interest and fees when they received this money, it is an unfair charging system that will never allow me to pay off this loan. SPS has also created a Escrow account that was not part of my original loan agreement and I feel illegal to attach to my mortage and create a extreme amount monthly to force me into foreclosure through extra charges not agreed to in my original loan agreement with the original mortgage company.. see attached documentation.
XX/XX/XXXX - I responded to a promotional credit card offer from Suntrust ( offer attached ). As part of the application process, I provided account information for my XXXX XXXX Credit Card as a card balance I was interested in transferring. This account is currently under a 0 % interest promotional period until XX/XX/XXXX. I was interested in transferring the balance before the promotional period expired. 
XX/XX/XXXX - I received notice via e-mail that my application had been approved for a credit line of {$2300.00} ( see attachment ) XX/XX/XXXX -  I received a letter from Suntrust stating that since my approved credit line was less than the balance I had requested to transfer, Suntrust would transfer {$2300.00} of the approximately {$4500.00} balance from my XXXX XXXX account unless I instructed them otherwise. 
XX/XX/XXXX - I e-mailed Suntrust customer care using the only e-mail contact available on the Suntrust website advising that I was not interested in transferring a partial balance from my XXXX XXXX account and specifying two smaller balance accounts to transfer instead ( see attachment ). 
XX/XX/XXXX - I checked my XXXX XXXX balance and realized that Suntrust had transferred {$2300.00} against my instructions and against their written policies ( see attached disclosure ). After a little more research, I determined that Suntrust had transferred not only the XXXX XXXX balance that I had instructed them not to, but the smaller card balances that I had requested resulting in my having a balance of {$3800.00} ( {$1500.00} over my approved credit limit ). I again e-mailed Suntrust and requested an explanation ( see attachment ). 
After several e-mails and telephone calls to Suntrust 's Customer Comment Line ( which uses a very complicated automated system and has many tiers of CSRs without the authority to resolve the issues ), I received a voicemail message yesterday from XXXX XXXX, a Suntrust representative, advising that they had e-mailed XXXX XXXX and asked them to return the {$2300.00}. XXXX XXXX stated that that was Suntrust 's final resolution to the issue, and they had no intention of taking further action. 
A copy of my Suntrust statement is attached showing that Suntrust charged interest on the entire {$3800.00} balance and is currently showing a minimum payment of {$1500.00} due on XX/XX/XXXX. 
I have worked for years to maintain and improve my credit score.  That is why I applied for this card. Instead, Suntrust 's actions have already caused my credit score to drop 72 points. If they are allowed to require a minimum payment of more than {$1500.00} in two weeks, I will never be able to recover. If their actions were good faith errors, why are they not interested in correcting them?
I want to know why XXXX was hit with a consent order in XXXX and told that employees of the debt collector could not testify in court as custodian of records as to the validity of the documents, and therefore not have the documents submitted into evidence, it is still allowed in XXXX? Specifically by Absolute Resolutions. A debt buyer that uses it 's own employee, XXXX XXXX, to testify as custodian of records for debt that originated with XXXX XXXX.
XXXX XXXX  and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$2000.00}. I don't owe anything.
Experian, XXXX and XXXX after dispute for re-aging of account, XXXX XXXX XXXX # XXXX are allowing the re-aging of this account to continue.The date of 1st delinquency on Experian is XX/XX/XXXX.on XXXX and XXXX  IT IS XX/XX/XXXX.The ORIGINAL creditor is XXXX XXXX XXXX XXXX who provided ambulance service on XX/XX/XXXX, on XXXX.The date of service for the charge and the dates of first delinquency are two years apart.The Fair Credit Reporting Act requires accurate, clear and complete reporting.Multiple disputes with the bureaus are quickly " verified '' falsely.The tool of re-aging is a damaging and illegal tool not permitted with statutory damages attached for collector and bureau.I 'm entitled to accurate reporting by law.
XX/XX/XXXX Our family applied for HARP modification of our 15-year HUD insured loan with Bank of America. This was because our home is underwater since purchase XX/XX/XXXX and we were increasingly unable to afford the payments. 
Our application to modify the loan terms was approved by FHA. However, the HARP modification affected XX/XX/XXXX simply converted our 15-year mortgage to a new 32-year mortgage. While this resulted in lower monthly payments, we will, in the long term, pay a lot more interest. 
As of XX/XX/XXXX, Bank of America has sold off our mortgage to XXXX. We are unsure if the FHA insurance as well as other homeowner protective clauses conveyed to the new lien holder. 
Our understanding of the HARP-process was that the original loan conditions ( XXXX, FHA insured ) and consumer protection clauses would not change with any modification or transfer. 
We respectfully request that this matter be investigated and corrective action taken to safeguard our interests as homeowners. 

OUR LOAN Information : ADDRESS : XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX Original BoA Loan No. : XXXX New XXXX Loan No. : XXXX Phone : XXXX mobile, XXXX work Email : XXXXXXXXXXXX