WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I opened an HSBC Advance Checking account with a bonus promotion code of XXXX. This bonus promotion code stipulates that I would receive {$350.00} after meeting some conditions which include : Deposit {$10000.00} within 30 days of account opening and maintain {$10000.00} for 90 days. Also included in terms is that HSBC customers who held an account between XX/XX/XXXX and XX/XX/XXXX would not be eligible for this promotion. I can confirm that my previous HSBC checking account ( Choice Checking ) was closed on XX/XX/XXXX, which makes me eligible for this offer. I can also confirm that the initial {$10000.00} deposit was completed on XX/XX/XXXX and was kept for 90 days, well past XX/XX/XXXX. I have not yet received this {$350.00} bonus promotion. I have attached the terms of the offer. 

After contacting HSBC, they can not determine why I have not yet received the promotion. I have contacted them multiple times and each time no representative will escalate the call and constantly say " They have opened a ticket and will follow up '' with no follow up calls. Extremely poor customer service.
THIS IS A CONTINUING COMPLAINT ABOUT RESPONSES BY CITI CARD CONCERNING Complaint number : XXXX WHICH HAS BEEN DEEMED TO HAVE ENDED. THE RESPONSES RECEIVED FROM CITI ARE FALSE IN MANY WAYS. IN A LETTER TO ME FROM CITI, DATED XXXX/17, THEY HAVE DISMISSED MY CLAIM OF 2 CHARGES WHICH WERE DISPUTED BY ME. FIRST IN THEIR LETTER THEY HAVE SAID THAT THEY TRIED TO REACH ME BY PHONE. I HAVE A FULL TIME RECORDER ON MY PHONE, & IT SHOWS THAT NO SUCH CONTACT WAS ATTEMPTED. FURTHER A PHONE CALL IS NOT A LEGAL DOCUMENT. THEY HAVE RECEIVED ALL OF MY DOCUMENTS BY FAX, WHICH IS A LEGAL DOCUMENT. THEY ARE NOW REACHING ME BY LETTER, & TELLING A STORY WHICH IS " NOT TRUE '' IN MANY ASPECTS!
ON THE DISPUT OF 2 CHARGES, EACH FOR {$99.00} I REQUESTED WITHIN 2 DAYS OF THE CHARGES APPEARING ON MY BILL TO DISPUTE THESE CHARGES. I NOTIFIED CITI THAT I RECEIVES 2 ITEMS FOR A SHIPPING CHARGE OF {$5.00}, & {$6.00} FROM A COMPANY FOR TAKING A SURVEY. I NVER DALT WITH THE COMANY AGREEING TO PAY ANY OTHER FEES. I EXPECTED CITI TO ACT AS MY AGENT IN DISPUTE OF THESE FEES. CITI ISSUED A TEMPORARY CREDIT, & THEN MORE THEN 2 MONTHS LATER TOLD ME I HAD 14 DAYS TO CANCEL A FREE TRIAL FROM THE COMPANY. I DID NOT TAKE 2 WEEKS TO DO SO AS BY THEY BEING MY AGENT I DID SO WITHI9N 2 DAYS OF THE POSTING OF THE CHARGES. WHY DID CITI WAIT FOR THIS LENGTH OF TIME TO NOTIFY ME OF CONDITIONS THAT I HAD TO CANCEL THE CHARGES. THIS ACTION IS WRONG DOING & NEGLIGANCE ON THE PART OF CITI & I REQUEST THAT CFPB TAKE ACTION AGAINSTN CITI TO CORRECT THE SITUATION.
XXXX XXXX
Trying to impose XXXX dollars in fees which is against fait debt collections practices act a serious violation and US Government Does nothing About this type of fraud I have tried numerous disputes with XXXX XXXX and have gotten on where Date of account opening XXXX XXXX 2015 that will have to checked also for accuracy PARTNERS FINANCIAL/XXXX XXXX XXXX XXXX, MO XXXX Somehow has added these fees and falsey reported it to XXXX as a collection account
The loans amount I currently owe is in excess. I wrote to XXXX XXXX about tthe problems with my loans, and the lack of forms that were supposedly signed aka promissory note. I did not receive any promissory notes. Also, I was suppose to be refunded by XXXX XXXX ; 's and the other schools for lack of justification for the amount which is currently showing on my credit report. I have been charged un-farily and as a result, I had to seek private loans to pay for my XXXX degree. I wrote to them about this issue about 6 years ago and nothing was resolved or done.
WELLS FARGO business credit card Violation of the Card Act Misappropriation of payments made in excess of minimum payment required The Card Act requires issuers to apply excess part of your payment to the highest-interest balance first. 
I have SIGNIFICANTLY paid over the minimum to eliminate this balance, and I can prove that it has not reduced by much at all. 
You can get the idea in the simple notes included below : XX/XX/2018 statement XX/XX/2018 Overdraft protection for business debit card transaction. 
Protected using a cash advance applied to business credit card. 
{$1700.00} + {$68.00} fee = {$1700.00} total advance XX/XX/2018 statement shows cash advance total as {$1700.00} Min. payment due : {$92.00} Actual payment : {$110.00} Excess payment : {$27.00} XX/XX/2018 statement shows cash advance total as {$1700.00} Min. payment due : {$92.00} Actual payment : {$1500.00} Excess payment : {$1400.00} XX/XX/2018 statement shows cash advance total as {$1700.00} ( WHAT?! ) Min. payment due : {$100.00} Actual payment : {$700.00} Excess payment : {$590.00} XX/XX/2018 statement shows cash advance total as {$1700.00} ( DOUBLE WHAT?! Went up?! ) Min. payment due : {$120.00} Actual payment : {$1200.00} Excess payment : {$1000.00} XX/XX/2018 statement shows cash advance total as {$1700.00} ( DUDE, no way! ) Min. payment due : {$140.00} Actual payment : {$400.00} Excess payment : {$250.00} XX/XX/2018 statement shows cash advance total as {$1700.00} ( constant violations! ) Min. payment due : {$150.00} Actual payment : {$500.00} Excess payment : {$340.00} XX/XX/2018 statement shows cash advance total as {$1700.00} Min. payment due : {$160.00} Actual payment : {$1000.00} Excess payment : {$830.00} XX/XX/2018 statement shows cash advance total as {$1700.00} ( up AGAIN?! this is highly illegal ) Min. payment due : {$160.00} Actual payment : {$200.00} Excess payment : {$37.00} Upon multiple calls to the credit department, I've received different explanations. One manager told me that I can have excess payments ( once the minimum is met ) applied to the higher interest rate balance. I said that supposed to happen automatically. He told me to go into a branch and make a direct payment to that balance. ( But you can clearly see that I've paid in excess of what is due on the " advance '' ... but I'm charged an incredibly high interest rate for cash advances, as we all are. ) So they're not doing what's required by law ... and they're charging ME for it. 

I called back later that same night, and a different manager told me that I'd have to pay the balance off in total to remove that part of the bill. NO. No, I don't. I quoted the Card Act directly, and explained that this has been a violation perpetuated by WELLS FARGO since XX/XX/2018. ( 7 months ago! ) At this point, the credit card manager said I'd have to take this issue up directly with the WELLS FARGO customer service team, and she would file for them to call me directly with the next 2 business days. I'm still waiting for that call.
Had a storm loss on our home, received a check from Insurance carrier to us and bank. 
Bank is stating we have to endorse and send to them, hire a contractor, get proof of his insurance and have him sign a w-9 ( for each contractor ) than have bank send out inspectors before they will release $ .I want to do allot of the repair work myself, as I am skilled in construction. They said I can not!!???? I asked to speak with a manager, they would not let me, I had a XXXX send them a letter, they have ignored so far with no response to the XXXX.
Chase without my authorization or " hacking '' method redeemed from my Rewards account of XXXX points to give me a statement credit. 

Attempts to get feedback from Chase XXXX Customer Service were met with run around and pass to different focals with no answers. 

" We expect your statement credit to be applied to your account by XXXX/XXXX/17. 

Statement credits will reduce your balance but you are still required to make at least your minimum payment. 

Here 's your order confirmation : Chase previous FAILED to give me {$50.00} credit on chase XXXX XXXX - XXXX which I was pre-authorized to use. 

Order date : XXXX/XXXX/17 Order # : XXXX Total Rewards Used : XXXX Points ''
American Honda Finance Corporation deducted two monthly automobile payments from my payment account for XX/XX/XXXX. They blamed this on their newly re-designed web site. No means to email complaint to company. Contact us tab on website has no mailing address of Corporation. Only an XXXX number to call. Upon calling, and listening to numerous canned prompts, and being told expected wait time would be two minutes, but turned out to be 19 minutes.
AT & T SOLD TO XXXX XXXX XXXX XXXX CASE XXXX, CLIENT XXXX IN THE AMOUNT OF {$340.00} AND SENT TO 9 OTHER AGENCIES ALL COLLECTING A FRAUDULENT ACCOUNT. 

YOU ARE IN VIOLATION OF THE DODD-FRANK ACT S.O.L. EXPIRED
I have a credit card with Wells Fargo. On this account I have a promotional balance ( for a transfer balance at a 0 % interest rate ) however my statements does n't inform me of when the promotional balance will end and how much interest I will be charged if not paid of by that date. All my other accounts with a promotional balance provide a separate line for a promotional balance and tells me the balance for the transfer and the amount of interest to be paid of not paid with the agreed upon time period. I think Wells Fargo is n't being transparent with these current practices and given their past history they should be providing services to customers to create trust and transparency. their current practices elude that they are trying to make money off interest that will be paid if customers do n't pay of promotional balances in a time period that customers are required to track.
Over the years I have been financially unable to repay this loan. My income tax refunds have been taken from me twice in the amounts totaling between 12 and 13K all together. Once in for the XX/XX/XXXX tax yr and once for the XX/XX/XXXX tax year. The moneys that was withheld was not applied to my student loans according to my credit reports, even though I was told by the IRS this was the reason I never received my refunds. My question is where is the money that was taken from me supposedly for this loan. Why is the loan on my credit reports multiple times totaling the same amount as day one as if they have received nothing. I can not get any loans, credit cards, or apply for a mortgage because this continues to hang over my head. It has literally been years and I am asking for help removing these inaccurate numbers from all my credit reports immediately. The credit reporting agencies have not verified any of this info to be true by sending me the original loan records minus the tax refund dollars. There for under the law they must remove the false information.
I have sent several letters to XXXX XXXX XXXX to fix the issues on my credit bureaus even to verify that the accounts are mines and they write me back talking about that I did not provide enough information about the disputes for them to work with. Either they have my signature or contract or they don't. That just tells me that they report incorrect information to the credit bureaus and think you suppose to accept it. I want all of there information off of all 3 credit bureaus if they don't have the verification then the accounts should be deleted don't know if I got the loan or not. They will not respond to a simple verification letter, with all the information that they needed was highlighted in red. The steps was in a 123 format. Then write back talking about not enough information, If you have my name, social security number, account number, and address what else information do you need to see if I ever have an account with the company but they can take a loan out in your name if a thief gave them your information though.
Trans Union is reporting that I am late on child support every month. That is not true. My child support is drafted out of my check every month. I have disputed this error with Trans Union, but they are still reporting it on my credit. I contacted the Attorney Generals office and they confirmed that I am not late on any child support
XXXX, had a " system error '' and request that I contact XXXX with no other recourse. 
and Equifax simply refuse to use the information provided, despite my verifying them, requesting instead for me to send by mail ALL my personal details, this is the second year they have done this, I let it slide in XXXX, I will not let it slide in XXXX, I think they are a corrupt organization trying to get me to pay for the information that they are supposed to provide free. I am not asking for credit score, I am requesting a document that by LAW I must receive. please investigate Thanks
On XXXX XXXX, 2016, I sent in a monthly mortgage payment of XXXX. XXXX. I also sent a letter stating why I was sending additional funds over my normal monthly payment amount of {$600.00}. I stated in my letter that I was sending in a payment of {$620.00} and {$600.00} should be taken out for the month of XXXX 2016 payment leaving {$15.00}. However, addition payments will be sent for the months of XXXX and XXXX in the amount of {$1200.00}. Combining my {$15.00} previous payment with this latter payment will total {$1200.00} and this amount is to be applied for following two months of XXXX and XXXX. Therefore, I will not need to send another payment in until XXXX 2016. On XXXX XXXX, 2016, I sent in the funds of {$1200.00} with another letter reiterating my previous instructions : My name is XXXX XXXX and I sent in a payment of {$620.00} for XXXX 's mortgage payment. {$600.00} should be taken out for the month of XXXX 2016 payment leaving {$14.00}. However, this is a check for the next XXXX mortgage payments of XXXX and XXXX in the amount of {$1200.00}. Combining my {$15.00} previous payment with this latter payment will total {$1200.00} and this amount is to be applied for following two months of XXXX and XXXX. Therefore, I will not need to send another payment in until XXXX 2016. If there are any questions I can be contacted at XXXX. 

My XXXX mortgage payment was paid out the {$1200.00} check I sent in, but I am having a very difficult time getting the XXXX payment applied to my mortgage monthly payment. When I initially spoke to customer service at the beginning of XXXX, I was told it would take XXXX to 7 business days to get the funds reallocated to my XXXX payment. Now XXXX XXXX, the funds have not been applied to my XXXX 2016 payment and it has been over 30 days since I requested it. I need this situation resolves immediately because my XXXX mortgage payment will be due in XXXX days.
XXXX XXXX claims date of first delinquency is XX/XX/2011. Statute of limitations is 6 years in Nevada. This debt is too old and needs to be removed from all of my credit reports.
I went to XXXX Bank to apply for a mortgage on XXXX 2017 and when the mortgage officer ran my credit, he said there was a charge off/negative collection account on my report that I did not open. I realized it had been a result of ID theft so I started the process of filing a police report and disputing it with the credit bureaus but nothing has been done yet and this is still damaging my credit!
Received phone calls collecting on a debt. I notified Portfolio Recovery that the debt was past California Statue of Limitations and that the negative comment on my credit report with XXXX must be removed. 

Accounts : 1. ending in numbers XXXX amount {$1600.00} 2. ending in numbers XXXX amount {$1400.00}
I contacted Equifax to remove items from report they have done nothing, they did not advise me in time and they keep sending me messages but can ; t open up to their site to get my report. They DID NOT advise me in time of 30 days of required response. I have tried to chat, go on line, call and get no responses within the required 30 days. I want to file report against Equifax. They only sent me a message AFTER i made my complaint to you. They did not meet the 30 day deadline.
This debt was with XXXX I had XX/XX/XXXX. I became XXXX and lost my job so I could no longer pay this account. My bill was {$280.00}. I pulled my credit report bacause I want to try and fix what I can. I saw this account was sold to XXXX and now they reported that I opened this account XX/XX/XXXX which is false and that I owe them {$460.00}. It also resets the clock on this old debt and will stay on my credit report for another 7 years. This is wrong and affects me terribly.
Hello I bank with US bank. 
Lately was scammed through a resale site to transfer money for merchandise. I never got the merchandise and the individual used XXXX through US bank to collect money from me. 
I had never heard of XXXX and I trusted it because it appears on my US bank home menue. 
After complaining, US bank is not doing anything to protect me as a client and neither they have any warning or disclosures stated upon opening XXXX feature to only use this feature to send money to friends and family. Anyone automatically can trust this for the bank to stay behind any complains and disputes down the line. 
I further noticed that XXXX is not even yet affiliated with Consumer Financial Protection Bureau which makes it even worse to appear right along major banks and making it ok with out any disclaimer to transfer money. 
US bank should either remove these unknown features for money transfer or make it very clear as how they operate individually with out banks interference, in case of future disputes and issues. 
I am asking from the bank to take responsibility and issue me {$250.00} refund and also pay closer attention to making it clear for their customers about this.
I applied for the Making Home Affordable program ( 2 % interest rate ) HAMP Tier 1 and/or Tier 2 through my mortgage lender, SPS. For the last few months, I 've been having a difficult time paying my mortgage and been trying my best to stay afloat. My expenses have increased. To make ends meet, I exhausted all my reserves and looked for help from SPS. I want to be evaluated for every loan modification alternative including the HAMP program which is the lowest and most affordable mortgage payment. I also want a decreased interest rate to 2 % through the HAMP program as well as any incentives. SPS has been delaying consideration of my mortgage application, losing documents, constantly requiring additional items, making me submit new documents because the documents I previously sent to them are now outdated ( the lender dragged their feet ), dual-tracking ( filing a foreclosure complaint while a modification is pending review ).
I recently found out that Oklahoma  Motor Company h as sued me after selling my car for far less than what I owed, the car broke down and I took it to their shop as they instructed me, after weeks of calling with no call back or answers, I assumed the car was getting fixed, I then received a letter that the car was sold for {$1000.00} dollars in auction and I owed like {$19000.00}. Then I come to find out that i was sued and then it was dismissed due to lack of service, come to find out that some scandalous process server lied and said he served me, although I was never served, judge dismissed the case and then magically as attorneys do, they got the judgement against me, which in turn will cause me to file bankruptcy.
Was told that after I sent money through XXXX that I would receive the concert tickets I was purchasing. Once sent, the other person never responded and never sent tickets. Felt secure sending through XXXX because someone has to link their email, bank account information, name and phone number. Was given all of this information so how is there no way to reverse the transaction. Have reached out to chase within 5 minutes of money transfer, my bank, and was told that they will file a claim but that they can not reverse the transaction.
Hello, I have been trying to short sale my home with my Broker XXXX XXXX from XXXX XXXX XXXX and XXXX XXXX. We have had the home on the market for 4 months and have had offers. The home is not worth the asking price that was set by my Lender Plant Home Lending. It is XXXX over the market value and nobody is looking at the house. The bank asset manager claims that the private investor will not take less than the XXXX value but the home is only worth XXXX. I have repeatedly asked for copies of the appraisal and was told no, they do not give them out. I feel I have been treated unfair by this lender because they are forcing me to do a Deed In Lieu because the home is in fairly good condition and they can turn around and resell it for a profit. My husband and I are elderly and are on SSI and that is the reason we got behind in our payments. If we do a DIL and not a short sale, we might not be eligible for low income housing. Can you please help me? My bank contact was XXXX XXXX XXXX
I have hard inquiries form XXXX, XXXX and XXXX that were deleted but I notice they were reinserted. My social security number was listed in the Security Breach and they should n't have been reinserted without sending me a 5 day notice.
I was sent to the hospital on XX/XX/XXXX. I was held for five hours and released. I later got a bill from XXXX that was very high so I called and told them I had insurance and they sent me the new amount owed which was {$120.00}. At the time I was struggling because I was leaving an abusive relationship and I had lost my well paying job because of this abusive partner. I fell behind with bills since the new job I had gotten was not as well paying as my previous one. I  needed to use what money I earned to catch up on my car payments and my auto insurance so I could still get to work. In XXXX of this year ( XX/XX/XXXX ) I paid the bill. In the pictures, it shows the amount owed. I had to tear the top portion off because since the hospital billing would not answer, I had to physically write my credit card information in and send it to them in the mail. I payed {$120.00} which was the amount sent to me by XXXX. It was the most recent bill and it said EXACTLY {$120.00}. I have received two collection notices from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and I have spoken to them twice and emailed them proof of payment TWICE that I paid! I have a credit card statement PROVING I paid. Another debt collector is now harassing me for payment. Americollect sent me a bill yesterday ( XX/XX/XXXX ) billing me for {$660.00}! Im being harassed by TWO companies over a debt I paid THREE months ago! Im very upset and its stressing me out.
Several years ago my long term partner XXXX. After unsuccessfully trying to collect from the estate the company transfered the debt onto me and tried to collect against me saying I was the only person on the account since my partner XXXX. This was not a debt I was part of, I did n't know it existed, I do n't live in an area that would make this collectable against me and these collection activities are quite frankly unfair and unethical. After providing the requested XXXX certificate they simply removed his name and replaced it with mine saying it was my debt. My credit report shows XXXX seperate acounts for a similar amount they are now also saying are XXXX seperate debts
My mortgage loan was illegally sold by GMAC mortgage to Ocwen Loan Servicing to attach credit card default judgement debt without my consent. My interest rate and insurance remains too high though I continued to pay regularly for more than five years. I receive offers to refinance to lower monthly payments but I do not want to refinance because I do not want additional debt. Rather, I want my mortgage loan to be paid down much faster.