WillisBack/dataset-financial-user-claim huggingface dataset:
Time of Applicable Cases : Approximately, XX/XX/XXXX -XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX-XX/XX/XXXX ( XXXX XXXX ), and Complaint on potentially deceptive credit card business practice based on corporate policy that is not fairly and properly administered : ( Complaint Below ) CHASE advertises a credit card service that appeals to XXXX XXXX frequent flyers , and I applied and obtained a card for use. After several months of using the card, I received a letter from CHASE that it has " decided to close your [ my ] credit card because we [ they ] are no longer offering personal and business credit card accounts to current or former non-U.S. officials, their immediate families or close associates. '' Not only was this action poorly informed as CHASE did not both to verify my current immigration status in the States, but later action on its part against my family member ( wife ) points to a deceptive business practice under this particular credit card it offers and the promotional materials it disseminates. 

A while after my CHASE credit card account was shut down, after I have accrued over XXXX USD balance I had to pay back to clear the account, which I satisfactorily paid off in respect of my obligation. However, in being not so certain about the soundness of this CHASE action and policy that I called the headquarters to discuss and present my case against, my wife applied for a similar card. She was approved for a card, received it, began using the card ( we did as approved card has option for assigning a secondary card user ), and few months later, my wife received a similar later. Account to be closed on similar ground as was used in my earlier experience. 

CHASE has demonstrated inconsistency in its credit card offering services and practice. While I still doubt the proper application of such policy against me, its approval of my wife 's application presents more reason to doubt CHASE 's seemingly deceptive business practice that seems aimed at putting susceptible customers in depth. 

This practice needs to be scrutinized so that any law or regulations the company is applying will be administered equitably and devoid of what appears to be deceptive features. 

Please assist us address this matter, and please feel free to contact me at my email address or cellular number, XXXX and XXXX. 

Sincerely, XXXX XXXX Disgruntled CHASE Customer ( former )
I have fallen past due on my credit card a couple of months. I have been paying but not the full amount. I am only behind 1 month now and only for {$240.00}. Not a substantial amount but still behind. I have been receiving calls and voicemails daily, literally daily and that includes weekends. Have made payments to prevent myself from falling multiple months behind but I still get calls every day.
Equifax , when requested to allow me to speak with an American, rather than someone in XXXX, repeatedly hung up on me.
LVNV is attempting to levy my bank account on a debt that i have no ideal about. They have added interest, attorney fee to this alleged debt that they have yet to prove and due to the fact that they have not followed proper civil procedures they have obtained a clerical judgment.
I have contacted Transunion, XXXX, and XXXX several times via phone and certified mail in regards to five accounts that were placed in my name that I am not familiar with or did not authorize. I get the same results when attempting to come to a resolution with them. It is negatively reporting on my account and keeping me from being able to obtain credit and ruins my credit profile due to inaccuracies. The companies need to send proof of validation or it should be removed immediately. I have reached out to the FTC regarding the issue and I have reached back out to the credit bureaus and still no luck. The last rep I talked to was XXXX and he stated he had sent the information in for special handling and I still have not had any luck. The following accounts that are reporting are XXXX XXXX XXXX for {$370.00} the other for {$930.00}, XXXX XXXX XXXX for {$0.00} and XXXX XXXX for with no balance. There are also two other accounts for {$630.00} and {$840.00}. All of these accounts listed are listed as derogatory and should be removed.
Over the past few months I have sent correspondence related to  XXXX  different items on my credit file and everytime I receive a generic response saying account update or verifyed but every time the same incorrect info is listed. When correspondence was sent to original creditors I use the address on my file and after a week or so both were returned because of the incorrect address from my research all info on my credit file has to be 100 % correct or the item must be removed. After receiving both certified letters backs as returned I then made photo copies of both returned envelopes along with a letter detailing when I 'm requesting both items have been updated although I 'm for a face that the addresses are incorrect if the letters have been returned from the USPS. The  XXXX  items I 'm referring to are   XXXX    XXXX   XXXX  and  XXXX   XXXX   XXXX .
On XX/XX/XXXX, I received an alert thru my credit monitoring that a Bankruptcy had been removed from my Equifax credit profile. I later received another alert with a Bankruptcy being inserted to my credit profile which plunged my credit score approximately 42 points! I called Equifax and the representative confirmed. Her name unknown ( couldn't understand her accent ). 
According to the Fair Credit Reporting Act, a consumer is supposed to receive notice of this act of Re-insertion of a prior Removed account by the CRA 's within 5 business days. It is XX/XX/XXXX and I still have not received this notice which I believe is a clear violation of federal law & my rights.
i received an email offer from USAA that stated if I setup direct deposit of XXXXand it totals XXXX or more o would receive a XXXX cash incentive XXXX. I accepted the offer prior to the deadline but it would not work correctly on the website. XXXX I called and spoke with several representatives and was told that there were issuew with the website. So I explained to the rep what I called for and I was INFORMED THAT DUE TO ME ALREADY HAVING A SAVING ACCT with them that I do not need to setup a new checking acct I can setup my direct deposit to my current savings acct and I would qualify. The rep assisted me in setting up the direct deposit. I called back a few days later and spoke with a rep and they confirmed that everything was setup correct and I am qualified for the incentive. When I did not see the deposit at the time I was informed it would be in my acct I called the bank that then I was told I do not qualify for the XXXX incentative. 
I have spoke with over XXXX representatives about this issue and no one wants to honr that I was given incorrect information and that they should honor what was told to me. I asked the representative can they pull up the recorded phone conversations and all of them stated that they have no way of retrieving the conversation. I am not the only customer with this issue of being told incorrect information. If you look at there XXXX Service Board there are other individuals that are upset about being given incorrect information and not receiving there XXXX dollar incentive as promised
I filed an dispute with Bank of America XX-XX-2017. Advised, Bank of America to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised Bank of America that they are allotted 30 days to provide disputed results to me. Never received correspondence from Bank of America.
They call up to XXXX times a day, never leave messages. Start calling at XXXX till as late as XXXX at night. XXXX
Experian refused to take or remove an account from my credit. I received a letter stating that it was not removed but did not find out why. I am disputing this because the XXXX account number ( Partial number ) XXXX would not take my money for payment I went in to pay on my bill but they would not accept the money because it was a partial payment and that was all I had. I spoke with the manage and he gave me the run around and spoke very bad to me. I did not know what else to do I. never got resolved with this store now they place it on my account on credit report and added a lots of extra fees on top of the original bill never going to collection to my knowledge. I informed Experian and nothing has been done to resolve this matter. please help me regarding this matter.
Due to unforeseen financial hardship as a result of medical issues and financial losses, I recently contacted  Capital One  to set up a long term hardship payment plan for my credit card balance of over {$13000.00} on my  XXXX  ending in  XXXX . First off, I had to go through their  Executive Offic es, who while initially were somewhat accommodating, provided me with much in the way of misinformation and broken promises. After speaking with an  XXXX  xecutive Representa tive in mid-  XXXX   XXXX    , whom assisted me with some interest fees, I was told to call in regarding my account in early   XXXX   XXXX     and speak with the same  Executive  Representative handling my account who would then waive the   XXXX   interest fees once more, to assist in my current hardship ; however, when I called back in early   XXXX   XXXX    , my request was then denied by the same representative. Ultimately, she did connect me with the Hardship Escalation team who approved me for a long term payment plan at fixed 7.4 % APR and {$280.00} per month for the remaining period of payoff ( and the card would be restricted to further use, which I accepted  ). Ho wever, this is where the situation becomes confusing and misguided, as I was informed by more than  one rep resentative at  Capital One  Customer Service that this would take effect in the next upcoming billing cycle (   XXXX   XXXX   XXXX      ),  and that no additional interest would be charged at the higher rate of over 22 % ; however, this was not the case, as on   XXXX    , I was charged a total of {$260.00} in interest, after being told this would not occur. This, in addition to the interest charged on   XXXX     of {$260.00}, which was told would be waived to assist with my hardship by the  Executive Representative at Capital One, and the re neged on.     Corporate American companies like  Capital One ofte n take great advantage of the consumer on a daily basis, and they change their promises and practices on a whim, and then cite " Terms and Conditions '' as a ploy to cover their broken promises, and any lack of assistance they offer. This is unacceptable and needs investigation, and needs to change to support the  Consumer -- especially those in financial hardship. Capital One provided me a great deal of misinfo rmation, and as of today,  X/X/2017   , I was informed by the  Escalation Hardship Team th at my request for the long term hardship payment plan had been delayed and then started over on   XXXX   XXXX   XXXX    , even though this was originally set up in late   XXXX   XXXX    . This is unacceptable and needs to be rectified immediately, so that I  may commenc e this payment arrangement and keep my account in good standing going forward, as I have never missed a payment with this account. It is my intent to have this issue resolved promptly, and have all interest fees from   XXXX   XXXX     and   XXXX   XXXX   waived in full, as promised by  Capital One staff.
This is the XXXX time SYnc has allowed a credit inquiry on my credit report. Find out who is doing this and stop!!!
The American consumer needs help, please expose the new way banks have suppressed credit. We hear so much about Donald Trump there is no space for consumers. There is always something more important to talk about in the media Who is monitoring credit card and credit score reporters So here is my new realization. The lowering of my credit limit has greatly affected my credit scoring, which in turn has affected the way that my other credit companies are viewing me. So, without me doing anything, my credit scores have plummeted. Because of the falling scores and the balance to available credit limits being forced into a balance to limit ratio by the credit card companies own actions, my credit scores are now below the national average. 
I pay ALL my bills on time and for the right amounts. I kept most of my credit card debt ratios BELOW 30 % and have now been reduced to being classified as a high-risk account holder and am being assessed higher interest rates for my remaining balances. I FOLLOWED ALL THE RULES OF MY CONTRACT WITH THE CREDIT CARD COMPANIES AND THEY REWARD MY LOYALTY BY FORCING MY CREDIT SCORES INTO THE GUTTER. 
If I defaulted on my contract with them, my credit scores would be where they are now. SO, TELL ME WHAT IS THE REWARD IN MY PAYING THEM AT ALL NOW THAT MY CREDIT IS AS IF I HAD BEEN A DEADBEAT?? By the time my credit scores return to where I had them, and paid off with the NEW interest rates that they have given me. Wells Fargo could not give me a satisfactory answer to why they lowered my score.
THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XX/XX/XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX XXXX. I STARTED OR ENROLLED IN XX/XX/XXXX I WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF  SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX XXXX IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XX/XX/XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX XXXX SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS. 5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX XXXX DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XX/XX/XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHSXX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT. 8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND FRAUD.
I have XXXX credit cards from Capial one bank. I requested to upgrade one of them from XXXX to XXXX. I revived XXXX cards. I contacted them and requested to keep the current card they said ok and everything good I can use my current card. When I login to my account I see the XXXX cards are XXXX. So I called back and they told me I have to activate the XXXX card and they ca n't give me the same offer again or make any change before 6 month. 
I refused the changes and they told me they are going to fix it. More than month passed since that happened and no changes happened.
ive been divorced and separated from my ex wife XXXX, since 2007, we were not together and i did not sign or know anything about this debt, it 's been in my credit report for almost a year, ive filed a direct dispute and they did not and could not give me any information on this debt, since the persons name is XXXX, not my name XXXX, i gave them her current business address ( which she is owner of ) as well as her parents address, this is not my debt i 've asked for it to be removed, and it still has n't, i have not received anything in writing or anything stating any information on this, i contacted the hospital, they could n't give me any information because my name was not on this, i need this off my credit because its giving me a bad score and history, i have disputed it with the hospital, with the agency and with CFPB and have not heard anything on this matter, please delete from my credit
Nationstar was sending excessive amounts of marketing materials, sometimes 2 a day, to my home address. On XXXX/XXXX/2016 I called requesting to opt out of all marketing materials, but asked to still receive account servicing updates Agent XXXX assured me she updated my status. To my surprise, I received a letter dated XXXX/XXXX/2016 stating that my account had been put into a 'Cease & Desist ' status and I would no longer receive ANY updates regarding the status of my loan. On XXXX/XXXX/16 I called Nationstar to bring this error to their attention and requested the issue be corrected. Agent XXXX advised he was unable to update the status of my account and directed me to write a letter asking for the Cease & Desist to be lifted. I asked for the call to be escalated to a supervisor, which it was I advised of my intent to file a CFPB compliant on their practice and requested my account be corrected. Agent XXXX reassured me she would personally update the status of my account without the need for a letter, and would contact me within 24-48 hours to advise on the status of the account. The duration of this XXXX/XXXX/2016 phone call was 27min29sec.
I opened a checking account with HSBC online on XX/XX/2018 as a part of he {$350.00} promotion, was able to setup online and mobile app access on the same day. After that I made two {$5000.00} mobile deposits, one on XX/XX/2018 and another one on XX/XX/2018. 

On XX/XX/2018 I received a message from HSBC Fraud Prevention Department, reference number XXXX asking to call back and verify my identity. The message specifically stated that the department is available 24 hours a day, 7 days a week.

On the same day I had called back around XXXX CST and after 15 minutes of wait was told the the Fraud Prevention Department 's hours XXXX XXXX EST and the usual wait time is 30 minutes. 

I called back again at XXXX CST/XXXX EST and after waiting 41 minutes without getting to anyone had to hang up. 

Called back on the same day around XXXX CST/1XXXX EST and after waiting 51 minutes without getting to anyone had to hang up again. 

As I am writing this XX/XX/2018, XXXX CST, I've been waiting for 20 minutes so far. 

My account is disabled and I am unable to access it online or through the mobile app with {$10000.00} sitting there. 

By far, the worst customer service I have experienced.
i received a loan from the XXXX XXXX XXXX XXXX that was not giving to me. 
i never used any of the money personaly.
going into reports for XXXX and Equifax I were asked questions that I answered correctly they did not apply to me and I was told that the information was incorrect and I could not receive my reports but the answers did not correspond to anything about me. I would like to dispute credit items online and can not get any human to speak with to correct information or tell me how to respond to the questions.
Wells Fargo Mortgage Has yet to provide me proof to the on going issues with California All purpose Certificate of acknowledgment. It seems I ask for one thing to be answered and they send documents or some solution that has nothing to do with the issue of a Forged Document that makes the loan legally binding by the instrument to the Deed of Trust. 

I have requested to why some one forged my name or said I appeared before them when I did not nor had any knowledge of the document. I was never informed nor sign nor agreed for Wells Fargo Mortgage/ Notary to act on my behalf to power of attorney or correcting any documents. 

Notary can not notarize His/her own witness signature to execution of documents require both signer and witness personally appeared before the notary where the document is to be sign. 

Signer must be physically present face to face. I did not appear nor sign a California All Purpose Certificate of Acknowledgment as it states on the document. 

Wells Fargo Mortgage not ever informed me to no such document nor did they ever present it to me. If so why would the notary sign as me and say I appeared before her. 

Wells Fargo Mortgage/Notary took it on there behalf to act on my part to make the Instrument being the deed of trust a legal binding contract with out my permission and nor did I give any anyone power of attorney to correct or act for me with out informing me to making the loan legal. 

Wells Fargo Mortgage solutions department does not address this direct issue and there is nothing discuss to the matter of this when requested. It is always the run around to the issue at hand to the document to make the instrument/Deed of trust a legal binding contract The lady name XXXX never address the issue at hand its always the run around with the problem to one fact not a bunch of botch up documents that has nothing to do with the issue at hand. 

Nothing has been solved nor agreed upon by me with with Wells Fargo Mortgage XXXXommitting FRAUD FRAUD I 'm very aware of Wells Fargo Mortgage committing fraud threw out there loan documents and other various practices that Wells Fargo Mortgage does not want to address the issue.

Document is attach that is the issue with no explanation by Wells Fargo Mortgage