WillisBack/dataset-financial-user-claim huggingface dataset:
This is crazy, I received a prepaid debit card as a refund and then I ca n't pull anything up online, ca n't activate it online, there 's a sticker to call to activate it, I 'm sure it 's probably lost it 's value as all these cards do ... These cards are basically yet XXXX more way to XXXX consumers. I am certain they are offered to companies at a discount because they are certain people wo n't use them, wo n't jump through these hoops, and mysteriously, they get to keep money that is not theirs and call it 'fees ' is the bottom line. 

To save a step, the card number is XXXX XXXX XXXX XXXX
At lease end, I turned in my leased XXXX XXXX XXXX, through Ally Bank, to the XXXX dealer. It was a 39 month lease and the car was was is very good condition with leads than XXXX miles on it. Prior to turn in the dealer manager and I throuroughly examined it and estimated repair costs for scratches and I decided to turn it in as is. 
When Ally sent the the repair bill, it included a dent that myself nor the body shop manager saw, I washed waxed and went over the car with extreme care and there was no dent. I called Ally to complain and was told a rep would ( and did ) contact me. The rep said the car was at auction and I would be informed of sale price. That never happened. I returned the last bill with an explanation about this and said I was not going to pay for a non existant dent, and continue to receive the same bill and no info about auction sale.it has been 2 months since turn in. Ally leasing has a policy that gives the leaser no way to dispute the inspection.i want the charge for the non existant dent removed from the bill.
To CFBP, I have been a loyal customer of Wells Fargo since XX/XX/XXXX. I am currently going through the process of fraudulent unauthorized transactions that I did not make. During this process, Wells Fargo cancelled my account and has created a new account ( cut up my card, and will send me a new one within 10 days, gave me a new checking account #, and closed my old account as of XX/XX/XXXX ). I am okay with all of that ( for my protection ). However, In my checking account, I had approximately {$480.00} in my checking account. I was n't able to see this activity online, because they cancelled my online username and password without telling me. I called XXXX this past week and they told me to go into a WF branch to show 1 ID and was asked that a WF banker call a WF # and it would be taken care of. I went to the WF bank in XXXX XXXX XXXX, UT at XXXX this last Monday or Tuesday. Was there 30 minutes and the banker told me that the WF system was down. Told me to come back later. I do n't have a vehicle, so this was a huge inconvenience ( I 'm on Social Security XXXX ). I went to a branch on XXXX in XXXX XXXX XXXX on XX/XX/XXXX. The banker pulled up my account. The female banker said I was - {$63.00}. Was shocked. I had at least over {$400.00} in my checking account. The banker could n't figure why this happened either. So, she called the WF number, gave WF my information. Long story short, the female banker on the phone explained why I was minus ( made no sense to me ). She talked in " lawyer '' talk, I had no idea what she was talking about no matter how she explained it. I kept saying, " But where is my money? MY MONEY? '' She said it had to do with my disputes over the unauthrorized charges. MY MONEY in my checking had nothing to do with this. I receive {$740.00} from Social Security per month. That {$400.00} or more IS MY money ... .not WF. WF ca n't take money away from me or Social Security. Magically the banker on the phone dismissed the negative {$63.00}, and put it to XXXX. No idea how she did that ... .but where was/is my {$400.00} or so? So, WF is going to leave a XXXX person with NO FOOD money for all of the rest of XXXX. That social security money is all that I have. WF did n't mention that or seem to care that I had XXXX money. I feel that WF stole my money and money from social security. I want WF to put MY money back into my account. I want an apology. And, I want restitution for emotional damages and not being able to sustain myself with NO food. I was extremley lucky that I got my medications for my illness earlier in the morning. If later, I would have had to driven to the XXXX XXXX and admitted myself to the psychiatric hospital ( the medications are a life-savers for me ). WF does n't seem to care about loyal customers ( 24 years ). I have NO money ... am starving with no money for food. Their certiain actions do n't seem ethical. WF ... WHERE IS MY {$480.00}???
XXXX XXXX i applied for a capitol one credit card and was approved with a XXXX limit. i recieved and attempted to activate the card by phone was told there was fraudulent activity and i needed to apply for a new acct. I did and was approved at a much lower threshold of XXXX, which means my credit was affected. again i recieve the card attempt to activate it and was told there was fraud on the acct and it was cancelled, I ask what fraud? they cant tell me but advise me to go to a local branch In XXXX XXXX XXXX and XXXX XXXX. I went XXXX and met a gentleman by the name of XXXX XXXX ID # XXXX who copied my IDs and called the fraud dept and faxed them my ID copies to XXXX, a XXXX on the phone by the name of XXXX ID # XXXX advised after 2 hours on the phone there was nothing they could do and advised me to reapply a 3rd time for the same card, We both were agast and I asked why if I was fraudulent why would they want me to apply for a credit card again, her reply was that i was listed as deceased even though i was at the bank with ID and was verifiable .... I left there and contacted XXXX and they called capitalonebank Fraud dept while i was on the phone with them and they verified and corrected this person on the phone several times and stated that there info was incorrect and that i had long since established I was not decedent and that the SS XXXX would contact the bank and notify them of my death, which they had not. again no answer but to reappy ... fastforward to today XXXX/XXXX/XXXX i call the fraud dept to get a disposition and after speaking to the XXXX person who claimed to be managers they advised me that nothing else cpould be done. Yet they accts and inquirires all reflect on my credit report and i still have no answer can you please forward an in quiry thank you XXXX XXXX XXXXXXXXXXXX, cell phone XXXX
This company has called me several times a day almost every day for the past few weeks. I finally received a letter from them onXX/XX/XXXX. I responded, asking for verification of the debt. I also asked that they not contact me until they validated the debt and that once I received their response, I would need 30 days to evaluate it. I sent this letter certified mail. The tracking number says they received the letter on XX/XX/XXXX at XXXX XXXX. However, that same day I received two phone called from them, at XXXX XXXX and XXXX XXXX
At no time have they ever left a voicemail. This makes this more an attempt at harassment than an attempt to collect a debt.
i purchased a snow blower this winter at walmart.com, and was told to pick it up at the walmart at XXXX in XXXX. i went to the walmart to pick it up, with a copy of the reciept but was not allowed to get it. i went to complain to the manager, and i was asked to leave the store. i complained by phone and by email, and asked for my money to be refunded. i was charged interest on the purchace and my credit was damaged, i NEVER got the item, but they are charging me interest on it. i would like to clear this up, but i need the interest to be removed, and all the interest that has accrued durring the time they have refused to straighten this out., my name is XXXX XXXX, i have been hospitalized and sick since XX/XX/XXXX.i am on federal XXXX. i am stayinhg with my parents recvering : XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX
I graduated college and decided to apply for XXXX as a XXXX. I contacted all parties involved in my Student loans and after months of communication and paperwork my loans were deferred and I entered the XXXX XXXX and served in XXXX. The XXXX XXXX has all paperwork that XXXX XXXX and Navient requested. While overseas I was being constantly harassed by Navient stating I needed to make payments. Before leaving I ( borrower ) made sure all was taken care of and covered because I knew I had very little to no communication abilities due to remote locations. Hence the reason I made prior arrangements. My cosigner attempted to resolve matters but one person would say they can not help without my permission and another would tell him appropriate paperwork needed to be done. So payment arrangement were set until borrower could make contact. Then had issues with Navient taking more out of bank account than agreed upon so account was closed after I believe 3 payments but for six months following Navient continued to access account then report payment returned. Reporting nonpayment. Navient notified again borrower who was oversees and deferment arrangements were in place according to XXXX XXXX XXXX. Since returning to United States I set up a payment plan, paid on time and now request another deferment returning to school and unable to continue paying XXXX a month requested different arrangements and told I ca n't only option was apply for a hardship. Rep stated my account would reflect my intentions. Today XXXX/XXXX/16 I received another harassing and threatening call that my account is in default and will be turned over to collections and reported. Yes, I lost my temper because the rep would not allow me to speak just kept threatening. I am so stressed out. I am an XXXX year old who has made all attempts to follow protocol ( adult thing ) by the book. I am in no way skipping out or refusing repayment. Just asking for help. No one at Navient talks except to feed you various stories then have another rep call and contradict previous conversation. When I initially took out my loans with XXXX XXXX I had no issues but since Navient bought my loans I 've had issues since day one. They constantly refuse to work with me, provide me with alternatives or a payment I can afford. Account up to date through XXXX 2016. What else is a young person to do?
Hi, My son had received a {$100.00} gift card from his school XXXX in XX/XX/XXXX. This is a netSpend XXXX Debit card and was bought from XXXX grocery store. The card was activated at the time of purchase. In XX/XX/XXXX when we tried to use the card we were unable to ( which my son wanted to use for XXXX ). So, I decided to register at netSpend.com add the card to see what was happening. I can see that a monthly fee of {$5.00} was being deducted and the card shows balance. However, it also shows the card is expired. When I attempt to call the card issuer on the phone number listed on the back of card, it does not recognize the card and does not allow reaching customer service. I tried reaching the customer service on the website but that does not allow reaching the customer service without completing a security profile. The website does not allow me to setup a security profile without a valid card ( unexpired card ). 

It is frustrating that there is no way to reach this company other than writing to them via mail. By the time my mail reaches them they would have deducted another monthly fee. My son is greatly disappointed that he can not spend a reward he earned from his school. The card shows a balance that is depleting every month, yet it shows it is expired. Attached are the statement from XX/XX/XXXX and also the card activation history and expiration date. This is pure deceit of unsuspecting consumers. 

I hope this company is banned from issuing cards that expire, especially when there is balance. I am sure there are many out there like us.
I have been contacted by a collection agency on behalf of XXXX. I asked for verification of debt to be mailed to me, I was instead placed on hold and told that I had XXXX hour to respond to them or they would file charges. I advised that under federal law it was illegal to threaten me. I was then told they know the law and accused me of not wanting to pay a debt I owe. When I stated I wanted to verify I owe the debt and it was n't fraud, I was asked if I have a police report. Advised I do not because they have not sent me written verification in order to do so. I was then threated again that charges would be filed. 

This is a clear violation of federal law. They would not provide me with the company name, instead the supervisor hung up on me. Another violation. I called back and asked for the company name and was only given SPP.
These loans are duplicately reported along with XXXX and XXXX XXXX XXXX. This account was on an approved deferment and therefore was never late. The unscrupulous practices of student loan companies make it almost impossible to repay and hinders your credit unnecessarily. Please correct this error immediately to paid as agreed never late!
Used XXXX XXXX site that showed me a page with loans that I could be eligible for and said it was n't an application but to put how much I needed and I hit enter and sent told me I 'll be getting info to see what they say. Now I have a copy of my credit report and XXXX XXXX ran my credit to all those loan places that was on that page and I now have 12 inquiries!
On  XX/XX/2017    experian charged me {$21.00} for a credit monitoring service and the following business day I contacted my financial institution. I came in and they stated it needed to be disputed with experian and called them. Experian stated it could not be refunded because it was in the fine print of the {$1.00} fico score I payed for. They also stated they did n't have a customer relations department I could speak to. This all resulted in other auto drafts in my checking to go into overdraft and I the customer am left eating the entire cost. Completely unacceptable.
I wrote to Transunion and   XXXX   ask for it to be remove they its valid, but I went to the bankruptcy court and given me a statement letter saying they do n't provide the credit reporting agencies any information about reporting my bankruptcy, or how they got it.  XXXX  said its not showing on my report from them, but on my credit report under the bankruptcy it show  XXXX  name either they are lying or Transunion and  XXXX  is reporting it wrongly and inaccurately, I have all documents and letter I sent them and the respond letter and letter from bankruptcy court .Also the creditor    XXXX    is  still making inquiries on me and they repo the car years ago, I sent letters, got a response letter they said that they can do please investigate to see if they still pull inquiries on me and on my report after these year s, Im trying repair my credit score  and these to credit reporting agencies are reporting inaccurate information, thank you my contact is  XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX , (  XXXX  )  XXXX , thanks.
Chase offers Price Protection coverage. Upon submitting claims, the processor 's claims staff look for invented reasons to deny claims and use shifting reasons for denial such as : the words " Add to cart '' being cut off ; a copy of physical catalog which shows the available sizes and color inadequately showing which size was " selected, '' something impossible with a physical catalog ; the computer taskbar time not being legible despite the submission also showing XXXX 's stated time, date, and location when searching " time '' ( the claims staff state that only taskbar time is accepted despite that not being in the program terms and a system clock being easily edited compared to XXXX 's clock ). 

It appears that the processor exploits its discretion to invent reasons to request additional information from consumers. It knows that most consumers won't follow-up or can't capture the missing information because the competitive sale offering has already ended. Then after 60 days the claim can be denied for lack of the consumer following up timely to hide the nonsense reasons that led to the claim denial in the first instance. Effectively, this is a consumer fraud because the processor could detail all the information it requires in advance but instead relies on after-the-fact discretion. Further, the processor knows that there are finite pixels on a computer screen and there is only so much information a consumer can capture on a screenshot when webpages are designed for scrolling and information is not clearly requested in advance. Similarly, print catalogs only contain so much information. Ultimately, Chase offers a " benefit '' it knows it will not have to pay on. Chase intentionally uses a claims processor instead of an insurer so that the entity is not licensed by and accountable to any state insurance regulator. The insurance underwriter isnt processing the claims. CFPB is the only avenue for  consumers to get help. 

I spoke with customer service ( XXXX ), a supervisor ( XXXX ), and a manager ( XXXX ). The claims review staff argued many of these points with the manager who himself didnt seem to agree, but is obliged to yield to the XXXXlaims Examiner Management Team. 

I claimed claim numbers : XXXX ( {$7.00} - approved ), XXXX ( {$22.00}, increased to {$38.00} ), XXXX ( {$17.00} ), XXXX ( {$4.00}, increased to {$19.00} ), XXXX ( {$20.00} ), XXXX ( {$42.00} ). I will submit additional claims information if necessary. In total, accounting for increased claims, I claimed {$140.00} of which {$7.00} was approved. I request Chase be made to pay me the {$130.00} on these valid, unpaid claims. 

CFPB should investigate this program as it seems Im not the only consumer who has experienced nonsense reasons for denials and CFBP complaints have been filed by other Chase customers.
I have been disputing XXXX XXXX XXXX aka XXXX XXXX XXXX since XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with XXXX XXXX and XXXX XXXX has never reached out to me. Most recently, I check my credit again and XXXX XXXX still has this debt on all 3 of my credit reports. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to XXXX or any outside vendors that they may have. To add insult to injury, They allege that they sent me letters, I never received any documents or notification for validation for that alleged account. XXXX XXXX has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, XXXX begins to send me stressful threatening letters demanding payment or I will suffer legal action. XXXX also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on XXXX 's part.
I received an email account status alert from American Express about my platinum card that has a XXXX balance demanding payment. Email mentioned below. 

Dear XXXX XXXX : You have another American Express ( R ) Account which is impacting our credit decisions on the account referenced below. 

Please be aware that new charges may be declined on the account ( s ) listed within the Account Summary section and any other card products associated with this account ( s ) ; and ( if applicable ) you should advise any additional Card Member ( s ) that their new charges may also be declined. 

Make a payment on your other American Express ( R ) Account so that the account is paid up-to-date. 

We offer several convenient ways to make a payment : Online - You can make immediate or scheduled payments online at americanexpress.com/pbc By Phone - Call us anytime at XXXX ( XXXX ) AutoPay - To help you pay on time in the future, enroll in AutoPay to schedule ongoing automatic payments at americanexpress.com/autopay Mobile ( Card Products Only ) - Download our mobile app or visit americanexpress.com using your smart phone or tablet Sincerely, American Express Account Services Account Summary Account Ending : Total Due : Platinum Card ( R ) {$0.00} American Express ( R ) online customers may receive this notice at both their mailing and email addresses. 

Contact Customer Service | View Our Privacy Statement | Add Us to Your Address Book This is a customer service e-mail from American Express. Using the spam/junk mail function may not block servicing messages from being sent to your email account. To learn more about e-mail security or report a suspicious e-mail, please visit us at americanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us securely via customer service. 

Copyright 2016 American Express. All rights reserved. 

XXXX
Credit Acceptance not only calls multiple times a day, sometimes even twice within the hour, and from two different numbers! If that isnt harassment, I dont know what it. Just today, XX/XX/18 they called back to back, once at XXXX, and again at XXXX. Theyve done the same XX/XX/XXXX, XXXX XXXX from XXXX and XXXX & XXXX from their XXXX number. XX/XX/XXXX XXXX & XXXX from XXXX. XX/XX/XXXX, XXXX called at XXXX, and XXXX XXXX, & XXXX. This is just from the month of XXXX. This list does not show all the times they called in one day, but only when it was repeated in the same hour my two different numbers. They call numerous times a day.There are several other months this has occurred, but now its getting overwhelming.
I opened a checking account with hunington two months ago on XXXX/XXXX/XXXX i got a alert on my phone stating XXXX was withdrawn I called hunington they stated I had a offset with them from XXXX from a old checking account I stated I did not recall this and how was a able to open a new account if i owed them money they could n't answer my question. My pay was deposited on XXXX/XXXX/XXXX and my sons ssi beneft was deposited on the XXXX/XXXX/XXXX they stated that i would get his ssi back to send proof so i emailed XXXX with proof and she stated spoke with manager and since my check was deposited and his they cant tell which money it came from so no refund??? My account was never froze or i did n't get any notification of this. I do n't understand how they can do this