WillisBack/dataset-financial-user-claim huggingface dataset:
On Saturday, XX/XX/XXXX, my roommate transferred me {$2000.00} using the Chase mobile banking app, as she had done many times before. I have a Chase bank account so the transfer should have gone through immediately, as it is supposed to. About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. We both went into a Chase and they said not to worry and just to wait a few days. After a few days, we contact Chase and they say we have to contact their claims department to get the money back. My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXX XXXX has to do something. For the next two months, we go back and forth between XXXX XXXX XXXX and Chase trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. The transfer was done using XXXX, which is a third party company that Chase and many other banks use so we also contact them after giving up on Chase and XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX say this is a Chase problem since it was done using their app and since we are both Chase customers. Chase refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! )  because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and Chase. Both banks STILL wo n't cooperate even with the police! I even called the Chase Executive Customer Service number and submit a complaint on the XX/XX/XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. Please help!!!!!!!
Started a dispute with Capital One in XX/XX/XXXX to XX/XX/XXXX and I Told them I was having financial hardship at the time ... I contacted capital One already with the goodwill letter and they werent willing to change the status of late payments. I received a letter advising me that they were looking into it and I even contacted the CEO of the company and his assistant advised me that it would take 24 to 48 hours to hear something back still no response.
I want Ocwen a division of XXXX XXXX to pay off the lien on my property with the {$130000.00} I already paid to my duplex. I want IndyMac a division of XXXX XXXX to extinguish {$80000.00} they reported to the IRS and count all of the {$97000.00} paid to the modification. 
I want credit for payments to HOUSE {$720000.00} {$510000.00} = {$200000.00} ESCROW payments {$200000.00} paid to Indymac and {$180000.00} paid to XXXX {$150000.00} paid to fleet {$150000.00} to XXXX XXXX to credit cards ( with {$23000.00} to XXXX of {$38000.00} added to mortgage ) DUPLEX {$350000.00} - {$99000.00} = {$250000.00} escrow payments? 
{$190000.00} paid. XXXX foreclosure ( {$150000.00} to {$33000.00} VA loan XXXX ) -- -- -- -- - ESCROW surplus.? {$39000.00}. 
XXXX - {$88000.00} est 17 years WHERE IS {$120000.00}? 
{$250000.00} - {$17000.00} estimated WHERE IS $ XXXX+XXXX {$370000.00}? 

{$260000.00} + XXXX + {$38000.00} XXXX XXXX fake mortgages? 
{$360000.00} was not paid off. It was ADDED! 
I want to know what is going.on and why these loans were released twice. 
In XX/XX/XXXX and again in XX/XX/XXXX. 

I WANT This FIXED! 
Estimated {$100000.00} disbursed
I received a letter dated   XXXX   XXXX  , from Kohl 's denying my request for a credit line increase on an account that I had not used in at least three years.When contacted, Kohl 's checked the data and clarified that the credit was sought by someone other than me who was using my social security number, address, and Kohl 's account number, to apply for additional credit. After contacting Kohl 's on receipt of the letter on   XXXX   XXXX  , I called  XXXX  to effect a credit freeze. I then got another letter from Kohl 's on   XXXX   XXXX   also stating my request for more credit was denied - again. I contacted them and a service representative and I discussed the matter at length ; the pertinent information matched except for our email addresses. I was told the individual was apprehended when trying to use the card at a store. I also just received a newly issued card, with the same account number, and when prompted by Kohl 's automatic billing system to provide my SS number, a balance of {$800.00} plus was reported with over {$500.00} overdrawn on the account. Again, an extensive phone conversation revealed that an individual had opened the account in PA, where I do not frequent, had ordered merchandise online, which was picked up at a store in  XXXX , CA, on   XXXX   XXXX  . An associate became suspicious and notified authorities at this point. Kohl 's videotapes all transactions so this is also key evidence. A fraud case was opened with Kohl 's, too : #  XXXX .
Not sure how but, I have ended up with over XXXX loans. I feel that I have been " wronged '' when it was XXXX/Navient, I have been over charged with interest and this puts me at a disadvantage in trying to pay back and reflect poorly on my credit.
The company continues to add on fees that I am unaware of. I understand that yes, I get behind on making a payment. But, when I make the payment, I am always told this will take care of what needs to be taken care of for that month. The next thing I know, I am getting other charges saying I have racked up numerous late fees that were never disclosed to me. When the company went under another company, all of a sudden these fees were always there. 

The most recent instance took place in XX/XX/XXXX where I talked with one of the lenders, and he clearly stated the amount I am paying will satisfy what I owe for the month. Then I get a letter in the mail stating the amount I paid did not satisfy that month and they needed more money.
I was looking over my TransUnion and XXXX credit reports on XXXX XXXX when I realized that I had 2 hard inquiries on my TransUnion credit report. One of the hard inquiries that is on my credit report ( XXXX/XXXX Inquiry XX/XX/2017 ) should not be on there and I have no idea what it is in regards to or about. It was not me. I have enough negative things on my credit report and would like to have good credit one day. I am sending the company 's name and address below that has given my name a hard inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Dear XXXX When I was purchasing items at TJ Maxx store back in XXXX XXXX, I opened the account for TJX Rewards Platinum Mastercard, which is a part of Synchrony bank. And few weeks later I returned some items for refund. I had a credit of {$170.00} in my TJX Reward Master card account. In XXXX XXXX I received a check of {$170.00} and I deposited it to my XXXX XXXX XXXX Account but the check was returned. As of XXXX XXXX my TJX Reward Mastercard statement balance is {$0.00} and I still have not received my money back.I have all the documents regarding this matter. I talked to TJX customer service manager many times in last 12 months. I faxed all the documents regarding the returned check. But only answers I received was that they were investigating this matter. They were investigating this for more than 10 months. Finally last XXXX XXXX when I spoke to XXXX of their customer service manager again, she said this matter was resolved and they will mail my check within 15 days.It has been more than 2 month past and I still have not received my check.It feels like they just do n't want to pay me Can you please advise me what process I can take to get my refund. It has been more than 12 month since this happened. 

Sincerely Yours
I opened a Citigold checking account pursuant to a CitiBank offer that promised a bonus award of XXXX XXXX Aadvantage points provided I made a certain amount of online bill pay payments debit card uses within a two month time period. A copy of the offer is attached. I do not recall where I received the offer, whether through CitiBank ( I am an existing credit card customer ) or other place. 

In any event, after opening the account I called CitiBank customer service and confirmed I was enrolled in the bonus offer program. After hearing that other participants in this bonus offer were denied bonuses, I contacted CitiBank again regarding this issue and received an email letter, stating that I was not eligible for the offer. A copy of this letter is attached. 

I signed up using the offer code and was approved by CitiBank, a process that included a credit check from the bank as well as funding the account properly on my part. I have been using the account and have now met the program requirements. 
Nonetheless, CitiBank has denied me the bonus. I believe this accounts to a bait and switch tactic designed to get me open my account, deposit money into the bank and not provide me with a promised reward. 

Can the Consumer Financial Protection Bureau assist me with this complaint so that Citibank provides me the promised XXXX Aadvantage points?
XXXX   XXXX   XXXX   XXXX  has been calling my employer in an attempt to collect a debt. When I spoke with them and informed them that this was not an appropriate number to call. I asked what company they were calling from and a phone number so I can call them back on a private line. They refused to answer and give me any information. After about 5-10 minutes of the man aggressively talking over me, interrupting me and threatening legal action, he told me the company name,  XXXX   XXXX   XXXX   XXXX , but the man on the phone would not give me his name or a phone number. I had mailed a letter requesting verification a few weeks ago and had n't received anything back. In the letter I specifically requested that all communication be done through mail.
Experian continues to include inaccurate information on my credit report. In 2017 I filed a complaint regarding the reporting of a tax lien from the XXXX XXXX register of deeds. I asked them to verify the validity of this tax lien. XXXX has complied and removed the erroneous information from my credit report. Experian refuses to do so. I am requesting that the tax lien from the XXXX XXXX register of deeds be removed immediately.
On  XX/XX/XXXX  I returned a  Mazda CX 5  at end of lease term. Virginia title #  XXXX , last  4 digits of VIN  are  XXXX . Lease terminated on  XX/XX/XXXX . On  XX/XX/XXXX  I received a letter to pay a lease termination fee of {$610.00}. Of that amount, {$290.00} was for " Excess Wear & Use. '' The 3 year lease allowed  XXXX  miles a year or  XXXX  total miles. When the car was returned, the total mileage was approximately  XXXX  miles. On  XX/XX/XXXX  I paid an additional {$800.00} for alleged additional repairs to the car. This was paid to  XXXX   XXXX  's  Leasing Agent,   XXXX   XXXX  who advanced the {$800.00} as a courtesy. On  XX/XX/XXXX , I received a second letter asking for payment of the {$610.00}. I paid the {$610.00} by check on  XX/XX/XXXX , check #  XXXX . This check cleared the bank on  XX/XX/XXXX .   I have received notices after lease end to pay personal property taxes on the vehicle. The first one was for {$290.00} which was paid on  XX/XX/XXXX , Check #  XXXX . I included a note asking that they send me a copy of th e Tax Bill they  would have received from  XXXX  County, VA. They have not. This check cleared the bank on  XX/XX/XXXX . Then on  XX/XX/XXXX , I received another notice to pay PP taxes of {$140.00}. Which I have not paid given the foregoing circumstances. In addition, the Mazda Capital Services  Auto Lease Acc ount Statement of  XX/XX/XXXX  shows a billing of {$25.00} for property tax assessed  XX/XX/XXXX . The Statement for  XX/XX/XXXX  shows a PP tax billing of {$310.00}.
My wife and I have a mortgage on our property and the loan is serviced by Ocwen. We received a notice from Ocwen stating that by law they are required to cancel PMI payments when the amount we owe reaches 79 % of the value of the home. We started paying off our loan on XX/XX/XXXX. We put down an additional {$10000.00} on XX/XX/XXXX and the amount we owed on our home was {$130000.00}, original value of our home was {$170000.00}. We owed 77 % of the original value of our home on XX/XX/XXXX. Since then Ocwen has been charging us PMI payments of {$29.00} every month. Ocwen refuses not to remove PMI from our loan and refuses to return the 19 months of payments we have made which total {$550.00}. We need help getting our money back and also getting Ocwen not to charge us PMI when we don't owe it anymore.
JP Morgan Chase Bank decided to end the relationship with me and will not give me any reason as to why. They will not tell me anything at all. They are going to close my account in 10 days. They have frozen my account and will not release my funds.
XX/XX/XXXX, I received my XX/XX/XXXX Macy 's statement and the only charge on the card was a purchase I did not make. I did n't even recognize the location ( I live in XXXX and the purchase was made in XXXX, XXXX XXXX. I spent over 35 minutes on the phone on XXXX/XXXX/XXXX trying to report the fraud and close my account. In spite of that effort, I received a new card in the mail the following week. Then my XX/XX/XXXX statement arrived in the mail, and the fraudulent purchase had been transferred to the new account along with a late fee and interest charge. I called again on XXXX/XXXX/XXXX and this time it took me over an hour to speak with XXXX different people in an effort to resolve this issue. I was told I would receive paperwork in the mail within 10 business days that needed to be signed and returned, but as of today, XXXX/XXXX/XXXX, I have not received anything. I also asked about the late fee and interest charge, and I was told that would take 2-3 billing cycles to resolve. I mentioned my concern that this would negatively impact my credit, but I was told there was nothing that could be done. On XXXX/XXXX/XXXX I paid the fraudulent charge, interest and late fee in full.
Applied to XXXX for their credit card. Received a reply from XXXX XXXX XXXX, that, using XXXX XXXX my credit app was denied because I am DECEASED. Most assuredly I am not. I have called XXXX, left a message and no reply. 

This is sloppy credit investigation, poor scrutiny and lousy fact checking. This company needs to be closed.
XXXX XXXX/XXXX paid in full and agreed to removal from all 3 credit bureaus. XXXX XXXX charged off but reporting twice XXXX paid in full never late agreed to removal from all 3 credit bureaus.
Hello, I consolidated my loans through DOE and XXXX 's XXXX, most recently in 2009. I also enrolled in the Income-Based Repayment Plan and submitted an Employer Certification Form. This moved my loans from DOE/XXXX/XXXX to PHEAA/FedLoans. I am applying for the National Institutes of Health Loan Repayment Program, and I need the completed Master Promissory Note including the application pages 1 and 2. Since I applied online, all I got was pages 3-10. However, PHEAA does not seem to have the forms, since the consolidation technically occurred through XXXX XXXX. Since XXXX XXXX is now defunct, there is no one there to call to get the record of the consolidation. I will not qualify for the NIH LRP if I ca n't show that all the loans that went into the consolidation were eligible loans, and thus I need a copy of the application. I 've tried talking to the NIH LRP, PHEAA, and StudentLoans.gov, all to no avail. I was hoping you could help me locate these missing pages of the consolidation application, so that I can continue my NIH LRP application.
We were contacted by this company in the summer about a medical bill that was unpaid. When the representative reviewed the bill it was discovered to have been filed under the wrong insurance. We gave the representative the correct insurance information and she assured us she would refile. We did not hear from them again until XXXX XXXX, 2016. On XXXX XXXX Nationwide called my husband multiple times during the day. When he explained to the representative that the insurance needed to be refiled she became belligerent with him and began insisting that he MUST pay the debt right then. He tried explaining to her that the insurance needed to be filed with the correct patient and number but she did not listen.
I disputed a collection account by XXXX XXXX XXXX XXXX and was told by Experian that the information was correct. I sent XXXX 2 letters, beginning in XXXX 2016, disputing the claim and demanding validation that the account in fact belonged to me. I received a response saying they received my letter, but I never received validation or agreement to remove it from my credit report. My understanding is that if they ca n't validate the account they must remove the information from my credit report.
XXXX is not providing me approriate verifying information in an investigation provided by a company by the name of XXXX XXXX. They are reporting on my credit report a bill from Cornerstone services without supporting documentation that it was me, ex. signature, procedure, etc.. I have sent three seperate letters asking XXXX to remove from my report if they can not provide me supporting documentation into the investigation verifying that this said bill is me. Under FCRA I have a right for supporting documentation of an investigation. It is also stated on their reply letter of that request, stated ( Notice to Consumers ) Dates are XXXX and amount is {$420.00}. Thank you.
Over the past 12 days I have received 5 calls from Van Ru Collections at XXXX XXXX. They are calling my number because the purported debtor has the same first initial and last name as me, although the person they are trying to contact is a female, I am a male. Other than sharing the same initial and last name there is no reason to believe that person is at my number. Most calls were recordings, one was from a person. All went to voice mail. I have not called them back.
Hi, I want to dispute the Credit check. 
I recently opened a new XXXX account. I never applied for credit or filled out any application with my SSN. Ofcourse, I did accept the terms and conditions to open the XXXX account. When I created the account, XXXX forced me to link my bank account to XXXX. I tried to check if I can delete the XXXX credit that I noticed on my XXXX account. But there were no options. I did not suspect that a credit check was run by XXXX because I did not key in my full SSN anywhere, did not fill out an application for line of credit and did not accept anything that prompted my permission to run a credit check. I had been very careful not to apply for any credit to retain good credit. 
Please can you help me to get this credit inquiry removed from my credit account. 

PS - I was asked to select company 's name but XXXX 's name was not in the list. So i selected some random company name in order to submit my complaint. The name of the company this complaint is against is XXXX. 

Thanks, XXXX
I purchased a freezer from sears on XX/XX/XXXX for XXXX with a 0 % interest payments for 3 years. 
I setup the account and set it up to use the make the minimum payment to pay off the account. 

Every month i was sent an email with the amount paid and left. 
amount bill date payment due date {$690.00} XX/XX/XXXX first bill {$6.00} XX/XX/XXXX {$600.00} XX/XX/XXXX 1 year bill {$6.00} XX/XX/XXXX {$530.00} XX/XX/XXXX 2 year bill {$5.00} XX/XX/XXXX {$480.00} XX/XX/XXXX last normal bill {$4.00} XX/XX/XXXX on the last month of the 3 year term instead of the minimum payment required being the lump sum left on the account, it charged me an additional {$710.00} in interest. 

None of the automated statement emails contained any mention that the remaining lump sum was not going to be auto paid as I expected with a balloon loan. Nor did the email contain any mention of an accrued {$710.00} in interest. Nor did they mention the end of the promotional term. Nor did they mention that an additional interest charge had been applied. 

After several years of watching the auto payments I got complacent and stupidly trusted that their software would just handle making the necessary payments to payoff this purchase. 

All of my credit cards are set to auto pay of the entire balance every month.

This sears  ( citibank ) card is the only one that was setup to pay off the minimum amount. 
I only did it to take advantage of the 0 % interest for the purchase. 

After I spoke with several people at citibank, I was told there was nothing they could do about it. They would have helped me if it was within a month of the scam ( my words ) deploying on me. but not a year later. 

Its now XX/XX/XXXX and I am doing my annual review of the statements and I just realized what happened. 

I owe {$1000.00} on this card Since stepping willingly into this trap I have paid {$210.00} in first 3 years. 
{$400.00} in last year And I just paid had to pay {$1000.00} additionally to extricate myself from this outrageous scam. 

so in order to benefit from a 0 % interest payment plan I paid a total of {$1600.00} for a {$690.00} freezer from sears. 

In summary : These 0 % plans are an intentional trap laid to snare the unwary to garner huge interest payments. 
their auto pay feature online is deceptive. 
It does not make clear that the minimum payment will not charge the remaining balance at the end of the term ( balloon payment ) It does not auto calculate the amount necessary to pay off the balance in the time window necessary to avoid the outrageous " accrued interest '' The email statements do not include any mention of the terms of the 0 % interest plan : No time remaining on the 0 % window No mention of accrued interest No mention of last month Nothing. Same as every other statement. 
You have to login to their app to see that. 
Unfortunately, I can't even see that now because they don't even allow me to see it after a year.
I wanted to recieve my free yearly credit report with Equifax and I could n't do it on the website. They asked me to send them a copy of my driver 's license and social security card. I did that and they sent me a letter stating that I did not send them to proper identification needed to get the credit report. I tried to call and could n't get a person. Instead, I got some kind of voice prompt that never sent me to a person. That was my attempt to get the situation settled with them.
In mid-XX/XX/XXXX, I called Ocwen directly to discuss a possible modification to my loan. I was informed that I qualified to apply for a modification because of my increase in income and was instructed on where to obtain the application and provided a fax number to send all documentation. I believe Ocwen miscalculated my income My monthly gross is {$4.00}, XXXX My monthly expenses are {$870.00}, leaving me with a {$3300.00} surplus! 
When I fell behind, it was due to a financial blow, since then my income has increased substantially and I provided that proof to Ocwen. 
The denial letter stated two reasons of denial : 1. Account is greater than 90 days delinquent 2. Could not be offered a payment that is within the guidelines of modification Ocwens modification program They also provided projected terms but stated is " was not affordable ''. 
I agree I am behind, but I am willing to keep my home, I WILL TAKE THE PROJECTED TERMS BECAUSE I CAN AFFORD IT. 
I sent Ocwen a letter requesting to postpone the sale date for XX/XX/XXXX and review my application. I have attached a copy of that letter here along with the denial letter. 
I fell behind a year ago on my payments because my daughter was having XXXX XXXX which turned into XXXX. As a single mother, I had to take time off work to take my child to her appointments. Why am I being treated like a criminal? 
I thank XXXX all that has passed ; all I need is to save my home. 
I intend to pay back Ocwen what I owe.