WillisBack/dataset-financial-user-claim huggingface dataset:
I am a 12 years customer and a US citizen, US Bank Closed my 2 savings and a checking account on the XX/XX/XXXX and XX/XX/XXXX After I realized that I did have not money I called customer service on the XXXX, they could not help me and I went to the branch, After phones call from the Manager XXXX XXXX XXXX in XXXX XXXX branch in XXXX Oregon, she said that were closed for missing information that I did not provided in my direct deposit, they said I work for XXXX XXXX and get paid by XXXX XXXX, I showed her my work ID card and she wrote and email to the main office. I get some letter from US bank asking for those information and I called on time I have probe of that in my phone statement. 
She also told me that my check from my saving account will be mailed overnighted because the amount and the others will be regular mails. I went back to the branch Friday XXXX to ask about my money and a new manager told me after check in the computer that my money was shipped regular mail but could n't tell me why the accounts were closed. 
Wednesday XXXX I returned to the branch and another Manager did the same research but with no solution for me because no checks or letter has arrived by mail, I told them that I will place a complaint against Us bank and they gave me a brochure with the term and conditions, they can close my account for any reason or no reason but letter and checks has to be mailed to me in 10 days, I went back on XXXX but no luck. 
Saturday XXXX I received 2 letters from US bank credit cards telling me that they have elected to close my 2 credit cars that I have in good standing, the day to be closed is XXXX, Today I have received and offer from US bank online and they have increased my line of credit because my high credit score. 
As today XX/XX/XXXX, I have n't received any letter from US bank letting me know the reason for the closure and I do n't have my 2 savings account checks yet. 
I have been struggling with finances, all my bills were paid by friends, I have n't support my family in XXXX since the XXXX XXXX hit the city where my family live. 
US bank have a really bad customer support because no one can tell me what happened, they now will also destroy my credit because they are closing my credit cards. 
I feel very helpless and I would like someone help me in this matter. 
It is ok to close any body account but they have to provide information and the money that is all my life saving. 
I am 15 days with not money because a really bad work at US bank corporation. 
Please any help will be gladly appreciated.
XXXX is the worst company I've ever dealt with. 

Since XX/XX/2014 I have had my student loans serviced through XXXX, and have been making qualifying payments toward PSLF. Each year I re-certify my employment and electronically upload this form to their site. At this point I should have around 40 ( out of 120 ) qualifying payments, and yet, my account says I've made only 7. 

I've tried emailing and calling XXXX. They do not return emails. Their phone service providers are not helpful. I can't get any answers. 

They have also consistently raised my IBR payment each year. I have requested switching to REPAYEE for a lower payment, and have received no response. 

How does a company this large with so many people 's financial lives at stake get away with simply ignoring their customers? They provide inaccurate, harmful information. They do all they can to keep you in debt.
Amex advertised that I can get {$75.00} reward per refer up to {$550.00} a year if I refer my friends using the referral link.

There were 109 clicks through my referral link, which means at least 10 successful refers through my link between XX/XX/2018 to XX/XX/2018. However Amex is not giving me any referral bonus as advertised. 
My referral link : XXXX XXXX XXXX
I submitted a complaint few months ago about my lender. I was contacted by an executive representative at PNC, XXXX XXXX. I was informed by XXXX that everything was a misunderstanding with my lender. XXXX advice not to worry that she was going to help with the mortgage. In exchange I was to dropped the complaint with the CFPB. Which I did n't do nor I agreed. On XXXX XXXX, XXXX informed me that my loan modification was approved for a trial payment in the amount of {$1800.00} with 2 %. On XXXX I was informed that the loan modification was denied because of title issues. XXXX advised to fax the requested document ( a letter changing the vesting on title ) once the that was received they were going to lease the trial documents. I faxed the requested documents to XXXX. A month of false information by an EXECUTIVE at PNC, I received a denial letter. This letter stated that my loan modification has been denied for all options. I 'm requesting for someone to PLEASE HELP ME. How can lenders play around with homeowners like that? This is not just a house its my life investment. They have played me as fool. I have spend so much money faxing everything that they have asked for. They misled me on wrong information. I am asking for you assistance. This cant end like this. I 'm trying to stay in my house and pay what I owe. Please help, I do n't want lose my home. 

Thank you in Advance, XXXX XXXX
XX/XX/XXXX I signed up for XXXX DSL Internet service. I choose to pay for my equipment XXXX the XXXX router ) at the beginning of my service. When self installing the service, I discovered that the DSL service did not properly work and called XXXX to which they decided to dispatch a technician. An XXXX technician, named XXXX, came to my house and acted in a very professional manner to resolve the issue. He ran a line up the side of my house because he said the earlier connections were not properly installed. My service worked and I continued until XX/XX/XXXX, paying all bills on my personal XXXX card. XX/XX/XXXX I decided to cancel my service for a competitor 's better connection speed. I called XXXX customer service around XX/XX/XXXX to cancel to which I was told " please keep your XXXX router if you ever decide to come back ''. This was my understanding, as earlier stated, because I had paid for the equipment at the beginning of the service. XX/XX/XXXX my XXXX card was charged for {$160.00}. Upon inquiry XXXX, I was made aware that the charge was for unreturned equipment XXXX. I disputed this charge XXXX and was instructed, XXXX to call XXXX. I spoke with a customer service representative XXXX who told me that " multiple emails had been sent '' ( these emails were sent to my XXXX email address that I no longer used because I no longer had the service ) about me owing. I asked this rep to check my bills to confirm that I had paid for the equipment at the beginning of my service. He did confirm that I had paid at the beginning and that they could refund me one of two ways, either by credit to my XXXX card or via paper check. I choose to have a credit to my XXXX card which I was told would take up to two weeks. After two weeks upon non-receipt of the refund, I disputed the charge XXXX and explained to them the process I had been through with regards to dealing with XXXX customer service. XXXX let me know, via XXXX mail about 2 weeks later, that they had found in my favor as the merchant XXXX had not responded to my dispute. On the XX/XX/XXXX I received a letter XXXX about the {$160.00} dollar debt still being owed. I reached out to XXXX customer service to explain the situation. Again I was told that I owed the money until the rep reviewed the notes and account to find that I had been mistakenly billed. She let me know that her manager would reach out to me within 1-2 business days. As it stands, XX/XX/XXXX, I still have not been contacted XXXX. I have since been contacted by a Credence Resource Management about the collection of a debt owed XXXX. I have been called XXXX every day for the last 5 days. The gentleman I spoke to from the company took an unprofessional tone with me and let me know to file a written complaint to resolve the issue. I took issue with his tone of voice and aggressive tactics. I have chosen to ignore the phone calls I am continuing to received from Credence Resource Management.
I was taken out of work due to mefical reasons and contacted my loan servicing company for options prior to falling behind on payments XXXX 2015 I 've exhausted all funds and now have fallen behind because I only receive a fraction of my pay. Wells Fargo is refusing workout options due to my previously having a loan modification. This is added stress the fear of losing my home with no options. I ca n't return back to a normal state of health not able to sleep I need help, asked for workout options, forbearance, repayment plan but they refuse there is no foreclosure sale date so there is time to review me but they refuse
I have been trying to receive a credit card from citibank since XX/XX/2018. Unfortunately, the two times they have tried sending my card since then have not been successful. I tried to cancel my card afterwards but despite being able to answer all my personal questions, they refused to do so on the grounds they could not send a message to my personal phone. They have sent a letter that would allow for my identity to be verified, except I have until now received no mail from them, so I am not confident this will work either and when I pressed them as to what will happen if the letter does not arrive, I was told that they are not sure. I am uncomfortable that I have an open account that I can not use and can not close.
Credit Collection XXXX informed me that I owe XXXX XXXX XXXX {$210.00}, but in my communication with XXXX XXXX, I do not owe them because I already settled and closed the account, and also the account is already under a different name and a different address and that person is the one who have an unpaid balance in the amount of {$110.00}. I emailed and fax them to let them know about it and explain to me why they think I owe XXXX XXXX, but I do not receive any answer from them, and probably they are the one who always call me and put me on hold every time I answer the call ( XXXX )
My credit report is showing an amount of {$58.00} due to XXXX. It was reported on XXXX. I have spoken at length with XXXX, they have no records of any past due balance on my account. I have also contacted XXXX collection agencies associated with the account ( XXXX XXXX XXXX : XXXX and XXXX, and they, too, have no record at all of this amount due. The abbreviations/source listed afterwards are XXXX/XXXX/EF - I 'm not sure what that means but perhaps that will help. I 'm willing to pay the amount due if it can be confirmed I owe it, and I 'd like to have it removed from my credit report regardless.
I have submitted multiple complaints against Specialized Loan Services, LLC ( SLS ). My account has been grossly mismanaged since they assumed responsibility for servicing it. I am told one moment my account is current and then I receive past due notifications. I have spoken with multiple people at SLS over the course of over 2 1/2 years and today again ( XX/XX/XXXX ) spoke with multiple SLS representatives and was told different scenarios about my account ... I 'm current, I 'm past due, they need to do more research. I was told on XX/XX/XXXX by XXXX in SLS 's Executive Branch that my 'missing funds ' were found and a letter was mailed to me on XX/XX/XXXX explaining everything and verifying my account is current. However, to date, I have not received any such letter but continue to receive weekly past due notices. I have paid {$520.00} toward extra principle and never have those funds been acknowledged or applied to my account. SLS is not transparent in the handling of my mortgage payments. In addition, due to their mishandling of my account, my credit report has been affected negatively. This has been going on for over 2 1/2 years and I need SLS to be transparent and be held accountable for what they are doing ( or NOT doing in this case ).
This account was listed under the bankruptcy ; however its still being reported separately on my credit reporting. Basically, I am being penalized twice. 

The bankruptcy was filed on XX/XX/XXXX. This was reported XX/XX/XXXX. 

Also, I believe this debt was due to identity theft/fraud. I have recently gained knowledge of fraud using my social security number. I have attached the bankruptcy filing which will list Optimum Outcomes on page 15, column 2, 5th row. 

The police report has also been attached.
My husband and I have mortgage with Astoria Savings. In XXXX, we received a notice from Astoria stating that our mortgage would be increasing due to our 10 ARM. This doubled our mortgage form {$2500.00} to about {$4800.00}. Needless to say, we are unable to make our payments, so we asked for assistance. We were instructed to complete a loan modification application, and submit all of the appropriate documents ( hardship letter, financial information, paystubs, checking and saving acct statements, XXXX statements, etc ). The initial case was being handled by one person, and then we started dealing with another lady ( who requested the same information ). Meanwhile collections is calling us because they want to know when will be making a payment -- oh, did i forget to tell you that because we are now more than 120 days behind, they have accelerated our mortgage, which means they want at least XXXX payments ( that 's about $ XXXX ). It is now XXXX 2016, and they are still requesting information and at no point in time has our file been reviewed to see if and what kind of assistance we would be eligible for. We have reached out to HUD, but they said all they will do is provide the documents ( that Astoria already has ) to the mortgage servicer. We are concerned because we do n't have family that will be able to give us money, and if Astoria does n't grant our loan modification, we will have to file bankruptcy because they will want at least $ XXXX to stop foreclosure proceedings. I think their business practices are deceptive and that they do this to every customer that seeks assistance with no intention of ever helping out the customer. Any assistance that you could provide and if you could share this information with others to they are not subject to the same deceptive practices as we have been dealing with.
On XX/XX/18, a check ( # XXXX ) for {$420.00} was issued from my XXXX cash management account to service provider. I had issued checks to this service provider successfully via XXXX 's online bill payment feature before this. 

The check was cashed by an unknown and unintended party. XXXX obtained the cashed check from their bank vendor ( XXXX XXXX  ). The  check was endorsed with a stamp that reflects " Santander Bank ''. However, the account and account name are not legible on the back of the check. 

Per XXXX 's instruction, I submitted a notarized fraud affidavit in XX/XX/XXXX to XXXX. I received a confirmation letter from XXXX stating the remediation process could take up to 10 weeks. I have called XXXX periodically to obtain an update and request a provisional credit. XXXX has consistently stated that they are awaiting confirmation that XXXX XXXX  has received confirmation from the bank that cashed the check ( Santander ) and they can not provide a provisional credit or " make me whole '' until then. 

My complaint is regarding Santander 's untimely processing of a fraudulent claim.
Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX
Wellsfargo hit me with over XXXX overdraft fees and excess account fees within XXXX months. I called to see if they would be able to reimburse any of the fees back to me and was unsuccessful. They could n't help me. I even asked to close my bank accounts and customer service told me to call back tomorrow.
Equifax still isnt reporting all of my accounts that are in good standing! I have filed a complaint against them and they responded saying they were working on it and yet THEY HAVE NOT DONE ANYTHING!
I was shocked when I reviewed my credit report and found late payment and derogatory marks on my credit which is negatively affecting my ability to help my that's going to hard time financially and medical reasons. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I 've had an account on Coinbase / XXXX for about a year now. 83 days ago, they restricted access to my account. Locking in it XXXX Litecoin ( cryptocurrency ). 

I submitted a help ticket to Coinbase and XXXX immediately after receiving the notice. Its now been almost 3 months of back and forth emails ( mostly automated responses ), without any ability to tell me why my account is restricted. Responses can take typically more than a week to receive from them. It has been 2 weeks since the last response. I 'm not sure what else I can do.
I received a letter from Quicken Loans dated XXXX/XXXX/15 indicating we were eligible for refinance through HARP. The letter had my loan number provided by XXXX. 
When I called the XXXX number, I spoke with a fast talking representative who told me several lies, including,1. Quicken was the sole provider who was authorized to refinance this particular type of loan. 
2. He would not be able to provide a quote for the refinance without pulling a hard credit pull - doing so he said would be meaningless. 

When I indicated I had gotten a quote from XXXX 2 months ago, he told me that was impossible - that Quicken Loans was the ONLY provider who was able to do this refi, and they were working with XXXX in a new partnership so they were the only provider authorized to do this type of loan. 
When he would n't provide a quote without a hard credit pull, I hung up. I received a call from XXXX, a few minutes later. When I googled the number, it shows to be a Quicken Loans number in XXXX, AZ.
My credit card company arbitrarily duplicated many of the monthly payments I made on my account but has failed to reflect any of the extra payments that were made on my account and continue to not show these credits to my account for all of these extra payments. It is nearly 2 years worth of extra payments and almost every month. A total of over {$6000.00} dollars of payments they continue to fail to reflect on my account. I have documentation of all payments taken from my bank account and I even have copies of all payments using the credit card companys online history. Even with al of this, they still have failed to issue the credits for all of the payments that were made and reflect them on my credit card account.
On XXXX/XXXX/XXXX, I attempted to deposit a check for {$380.00} into a Chase Bank atm located at XXXX XXXX XXXX XXXX, XXXX, IL. The atm took my check and spit out a receipt saying the atm has experienced a technical problem and I need to call Chase to file a claim, which I did. In the meantime, Chase deposited temporary funds into my account. Nearly 2 months later, I learn that Chase is removing the temporary funds because the check has indeed been cashed -- BY ANOTHER CHASE CUSTOMER -- and deposited into THEIR account, not mine. The agent I spoke with on the phone suspected the atm spit my check out at some point and somebody else cashed it! Chase is taking zero responsibility for this and has completely put the burden on me, saying that I need to contact the issuer of the check ( XXXX XXXX XXXX XXXX of IL ) and ask that they contact their bank and submit a fraud claim. Meanwhile, they are removing the funds from my account and I 'm left to deal with this situation completely on my own. 

I ca n't get any status updates from XXXX and Chase says they ca n't do anything either. I feel like I am never going to get my money and my only wrongdoing was attempting to cash my check. Chase 's atm malfunctioned, Chase allowed another customer to deposit a check that clearly belonged to someone else, and this other user is a Chase customer, yet Chase refuses to take the money out of their account and put it into mine. It 's been almost 3 months and I feel like I 've hit a total brick wall and am no longer making progress in resolving this issue. They have been incredibly unhelpful and have put the burden completely on me and the issuer of the check, which, unfortunately is a huge insurance corporation that probably does n't have the time or interest in helping me. I hope you can help me. I do n't understand why they wo n't just assume responsibility for their malfunctioning atm and for the fact that they allowed a stranger to deposit my check. I just want my money. I have given over 15 hours of my life to resolving this -- between being on the phone with Chase and XXXX XXXX XXXX XXXX and speaking with a banker at the branch. I 'm tired. I want it to be over.
Kay jeweler has contacted family and called in to my companies call center to get information. They have called me up to XXXX times a day from different phone No. I have asked them to stop contacting me several times and have made small payments on my account but they still harass me.
TOYOTA MOTOR CREDIT - PURPOSELY MAKE IT DIFFICULT TO PAY DOWN PRINCIPAL OF LOAN BY : NOT DESIGNING IN A PRINCIPAL PAYMENT OPTION INTO THEIR LOAN PAYMENT INTERFACE WHEN CONFRONTED BY EXTRA PAYMENTS BEING SENT IN, THEY SAY THEY ARE APPLIED TOTHE NORMAL PAYMENTS DETERMINED BY THE INTEREST RATE AND THE LOAN - SO YOU CAN NOT DEFINE ANY AMOUNT OVER THE REGULAR PAYMENT TOWARDS THE PRINCIPAL ON PURPOSE. 

WHEN YOU KEEP QUESTIONING ( AND THEY DO MAKE YOU KEEP QUESTIONING ) YOU FINALLY GET AN ANSWER OF WHERE TO SEND A DIRECT PRINCIPAL PAYMENT - IT IS OLD SCHOOL, NOT ONLINE AND HAS TO BE MAILED TO A COMPLETELY DIFFERENT LOCATION. MAKING IT SHADY BUSINESS PROACTICE.
log of recent calls : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company calls many times weekly to collect a debt for someone i do NOT knowthis is my cell number i have had for over 2yrs i have asked numerous times to remove and stop calling me and they hang up on me and continue to call, the name of the company is cambridge assest management they say that this debt is being properly served for someone named XXXX XXXX? spelling and they give a case number as XXXX