WillisBack/dataset-financial-user-claim huggingface dataset:
For 8 weeks, I have been entering my ID and password CORRECTLY. 
But, Capital One WebSite, keeps flashing " sending to your account '' then a web page announces " We have hit a snag '' please try again later. 
This has been going on for 8 weeks on all XXXX of my accounts. 
5 weeks ago, someone from the tech department very ignorantly deleted all my security questions. The tech department would not reverse their actions. 
Three weeks ago, I entered all new questions and answers. 
Today, the same problem occurred and the tech department demanded that I change the security questions again INSTEAD of Capital One fixing the REAL PROBLEM. 
I called Capital One 's Headquarters and requested a vice-president of the credit card department but ignorantly as Capital One is ; the secretary sent me back to the very doofus customer service department. 
I WILL ONLY COMMUNICATE WITHA VICE-PRESIDENT AND NO OTHER STAFF. 
If not acceptable by Capital One, I want a {$30000.00} payment from Capital One just to have me communicate with me.
I was issued a new card due to security breach in the company. I have paid on time and the checks have been cashed by the company but they are being credited to the inactive account, not the new number. Bank refuses to resolve this situation and the card has been placed on hold.
This is in follow-up to my complaint XXXX Experian 's XXXX/XXXX/15 response to my CFPB dispute, Experian specifically states " ... To request a security freeze, log on to www.experian.com/freeze ... ... " But after trying online several times over the past month, Experian instead continues to not accept my security freeze request - UNLIKE EVERY OTHER CREDIT REPORTING AGENCY. Experian apparently is continuing to make the process as burdensome as possible to discourage implementation, and maximize their profit opportunities. 
. 
Once again, by way of this complaint, and as a likely victim in the XXXX XXXX XXXX XXXX breach, I am notifying Experian that I will hold them strictly liable for any damages I incur from their failure to implement a timely Security Freeze, including their lack of a clear, concise problem resolution.
In XXXX of 2014 I moved out of state and put my home up for sale. After almost a year of not receiving any offers, my realtor suggested that we do a short sale. In XXXX of this year, we received an offer and I filed an application with Quicken in XXXX for them to give approval for selling the home below the loan amount. I was told that I would first have to go through the application process to see if I can stay in the home. I told them I had already moved out of state and had no interest in keeping the home. They insisted that there is no way to skip this step and that I would have to wait a month for that portion of the application process to be completed. After submitting documents to them on several occasions, I was finally given an answer two months later in XXXX that my application was rejected. In the meantime, the buyer for the short sale walked away from the sale. They then asked me to submit the same exact application to be considered for a short sale. I resubmitted the application in XXXX. I was told that it would be another month to process. Then, if they accept to short sale the home, I would have to put the home on the market for another 120 days. If, in that time, I receive an offer that is below the acceptable amount, I would have to wait for them to do another review to consider accepting the offer with could take another month. In the meantime, I am still expected to pay for a mortgage I can not afford. In all, I would have waited almost 9 months for them to make a decision. Also, I could still be rejected for the short sale of the home, I would still be expected to pay the mortgage after waiting so many months to get some help, which this company is obviously in no hurry to provide. Every time I ask when the process will be completed, they refuse to give me a date, so I am waiting in limbo with no end in sight. There is no urgency by this company to help its customers. This process almost guarantees that the homeowner will face foreclosure. If I had known this, I would have stop paying the mortgage over a year ago and saved myself the time and effort of trying to submit all the documents and expecting a decent response from the company. It would have saved me thousands of dollars and all the headaches since they are going to force a foreclosure anyway.
I requested a payoff statement on XXXX XXXX, XXXX from a representative at Bank of America which I never received. On XXXX XXXX I called Bank of America and spoke with Senior Customer Representative, XXXX XXXX at Bank of America who provided me with my pay off statement in the amount of {$300000.00}. At this time I sent my presentment and negotiable instrument to Bank of America certified receipt number XXXX. I then received a call from XXXX XXXX who informed me that my paperwork had been process and that I would receive my letter on reconveyance within 7 to 10 business days and that all the other related documents will be sent within the next 60 to 90 days. On XXXX XXXX, XXXX I received my letter of satisfaction ( XXXX Pay Off- LetterOfSatifaction XXXX XXXX/XXXX/XXXX ). Then on XXXX XXXX, XXXX I received my G/L Transaction ( XXXX LNHIST XXXX XXXX/XXXX/XXXX ). On XXXX XXXX, XXXX I went to the XXXX Registry of Deeds with the documents that Bank of America sent to me and the informed me that they sent me incomplete paperwork and they would not be able to process my request. I immediately contact Bank of American on XXXX XXXX, XXXX and spoke with XXXX who informed me that she will forward this request Pay off Department and I would receive a follow-up call from that Department. I then called again on XXXX XXXX, XXXX I was informed that they are still investigating. I also called Bank of America on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and was informed that they are still investigating. I then called on XXXX XXXX and XXXX XXXX of XXXX which the phone went to voice mail, left voice mail with no return call. Then on XXXX XXXX, XXXX I received a bill from Bank of America and called them immediately and I spoke with XXXX who escalated to her supervisor. She then asked me " who told me to send those documents " and I responded it 's the law. I then asked her to refer to the XXXX and The Fair Debt Collection Act. She then said that Bank of America will require additional time. On XXXX XXXX, XXXX I spoke with XXXX from the Payoff Department who informed me that Bank of America would respond to me via mail on XXXX XXXX, XXXX. I did not receive anything and called XXXX who informed me that she would require additional time and that I would receive a response via mail on XXXX XXXX, XXXX which again I did not receive. I called XXXX on XXXX XXXX and XXXX of XXXX I had to leave a voice mail but did not receive a call back. Finally on XXXX XXXX, XXXX I received a letter from Bank of America with their false statement of fact which I have included. I have been forthright during this process and have been more that patient. Bank of America has violated my right according to the XXXX, Fair Debt Collection Act, Chapter 63, Emergency Economic Act of XXXX and Joint House Resolution Act of XXXX and they need to held liable.
I have a credit card issued by Independent Bank. I have never had a late payment with the bank. Some months ago they said that the card was under a fraud alert - I could not then access the account through the internet. And when I called the company to resolve the issue they would put me through a whole host of security questions before condescending even to tell me the current balance. They would not tell me what the fraud issue was and would not remove the fraud alert. I have called their customer service 3 times already and still I have no resolution - the fraud alert is not removed and I have not been told what was the cause. 
I have never had this issue with any other bank. Whenever there is a fraud alert or a bad charge with other banks they contact me and the issue is resolved right away with XXXX call. The customer service at Independent Bank is terrible and I would not recommend that anyone use their products or services.
To Whom it may concern : From XX/XX/2017 through XXXX XXXX I was on Medical Leave through FMLA, I was receiving sick pay I had accumulated over the 25 years I had been teaching for a public school system. My doctor would not release me to return to my job as a teacher so, I had to resign. When you are on FMLA you CAN NOT APPLY or INTERVIEW for other jobs. I had to wait for legal documentation my resignation was accepted. I knew once my money ran out we would have to live on one income. I called each of my creditors and sent a note to each of them through my online account. Which I kept copies of. I was told by some they would wok with me. When I started my job I had to go through job training. I was NOT PAID. I did not start receiving income until XX/XX/XXXX for which I paid our house note and took care of basics. I told them once I could make payments again I would go on line and do so ( The third week of XX/XX/XXXX ). From XX/XX/XXXX to present I have received phone calls CONSTANTLY at home on my land line, personal cell phone and my work phone. I am still within my 90 days, and the new company is a fire at will employer. If I keep getting phone calls at work I won't have a job to pay any debt. I was told I needed to call weekly to update, by people who can not understand or speak English. If you add up the weekly calls per creditor, it's a work day, that is just a repeat of the same exact information repeated. It takes an hour per call. If I don't get paid until the end of XX/XX/XXXX, a weekly call in XX/XX/XXXX and XX/XX/XXXX isn't going to change me getting money to pay. I DID NOT chose to not pay my bills. I am not paying on purpose. I CAN'T! I followed what the State of Michigan told me to do and how to handle my debt. I offered copies of the FMLA papers, and my resignation acceptance to prove I am not lying. They did not want the information. I have also had some of the people want my FULL Social Security Number or Credit Card Number, and Birthdate. I hang up. Why do you ask for information you already have on a screen in front of you?
my daughter received a pre-approved credit card offer 24.65 % interest {$35.00} late fees {$75.00} menbership fee really? {$19.00} user participation fee really? apr will never be greater than 29.90 % ( that is disgusting ) she is a college student and has no income ... no wonder these kids are so in debt you are aggressively predatory ... disgusting ..take her off your list and do n't tell me you do n't tell me you do n't have the correct information to do so ..so have enough information to prey on her so you have enough to take her off you list and do not tell me you are giving her an opportunity to establish credit because that is deceptive and disgusting
THIS DEBT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX AND ALL COMMUNICATION HAVE CONTINUED AND CREDIT REPORT REFLECTS DELINQUENT.
on XX/XX/2016 at XXXX mountain time I went to XXXX and used the ATM to withdraw XXXX dollars. I input all the information that was required to get funds. The ATM went into a mode as if it was going to release the funds. The screen went blank before the money came out. The screen came back on in a red background with error message that ATM was down. I called the American Express Serve and was told I had to file a complaint which could take 10 to 45 days. I contacted the bank and was told they knew about it and since I did not have a account with the bank that they would have to go by my bank. I sent all the information in to dispute the charge and also had the bank manager call in to see if they could expedite this matters. They could n't explain to us how to contact the owner of the ATM and that on XX/XX/2016 will be the next update and that they will then issue a provisional credit. I called in everyday asking that they email the dispute department asking them to give me the contact information to the owner of the ATM so that I can contact them to see if I could get this issues resolved quick. They never contacted me until XX/XX/2016 when I was told in a email that the ATM provider confirmed the funds was dispensed. I called American Express Serve and was told it was closed and that they will only reopen if I can get new information. I called XXXX who the bank said was the contact as owner. I called them and was told they only services them. They did not have the owner information. The video will show that no money came out at the time I made my request. My money was taken and there is no way to get owner information and I have only 10 days to get new information or my money is taken away from me.
I keep getting letters from XXXX companies trying to collect a debt that is not mine. I have written to them several times telling them it is not my debt.
I saw in my credit report that there is an alledge debt for a company called XXXX XXXX XXXX. There is no proof this alledge debt is mine there for this is a violation. I have never done commercial transactions with XXXX XXXX XXXX and never signed an agreement of contract with them.
Citi  Costco Anywhere   XXXX   Card   Billing Dispute Depart ment is not doing its job of resolving my issues.  Citi is favoring the merchant instead of me, its customer ( consumer ). I did not even receive an acknowledgment letter from Citi to indicate that the supporting documents have been received and that my dispute is being reviewed. I do n't know what their mind-set is, but Citi employees have to clean up their acts and do a better job. Perhaps, the Billing Dispute Specialist did not even read the whole dispute and all the attachments. How ironic that the employee 's title is " Specialist '' which means he/she is highly skilled and is expected to know ho w to resolve disputes.
we keep getting calls from a company called portfolio recovery. they say there looking for a person who does not have this number. i have told them many times and they say ok we will take care of that yet they will call another XXXX times the next day they call at all times even on early sunday mornings. tell them stop calling and check my number and see who it comes up to i told them i am on the do not call list.and they still call some times after XXXX at night
A CAR DEALER DID XXXX INQUIREIES WHEN I WAS JUST LOOKING. XXXX IN XXXX NEW MEXICO THEY BATCHED MY IMFORMATION TO XXXX FINANCIAL INSTITUTIONS WITHOUT MY PERMISSION. ALL I WAS DOING WAS LOOKING AT AUTOS
THIS COMPLAINT WAS FORWARDED TO YOU BY THE OCC BUT CFPB DID NOT RESPOND TO ME. 
JC Penney card was in dispute because they did not apply a credit for returned merchandise. They reported my card as delinquent to credit bureau. On XX/XX/XXXX and XX/XX/XXXX, they credited my account properly and recredit interest accrued. However, they lowered my credit line because of the alleged delinquency and they did not forward me a copy of my corrected credit report. I disputed the line reduction and they did not respond to me except to ask me to complete a new application. 
By my count, there are at least three federal violations of the Truth in Lending Act and the Fair Credit Reporting Act and these are continuing offenses. They should be 1 ) fined for non-compliance 2 ) ordered to repair my credit report and 3 ) restore my 30 year old credit line.
XXXX has installed chip readers at its checkouts. If your credit card has a chip the device will not allow you to swipe the card. Once you insert the chip the device asks for your pin. There is no way to process the transaction as a credit card. You are forced to use your debit card. This deprives the consumer of the customary protections credit cards provide and unfairly enriches XXXX by eliminating swipe fees.
I have disputed the following inquiries with Experian and have not received an acknowledgement about doing so. I 've called experian to see if they received it and they do not see my dispute for the following inquiries. The following inquiries were disputed using experian.comXXXX. 

Disputed Inquiries : XXXX XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX XXXX - XXXX/XXXX/16 I did not authorize any of these inquiries to be run nor did they have permissible purpose. I 've called each company and they were not able to find any reason as to why they ran my credit. I asked about deletion with all XXXX companies and no one knew what process to take to resolve this.
We opened an account with PNC earlier this week and they turned around and closed our account. My wife got a check from XXXX XXXX fro money that was left to her from her Dad. We went to the PNC in XXXX NJ to open an account. We told them up front we think we owe money and if we do we want to take care of that and open a new account. 
The opening of the account was approved b y the branch manager. with {$100.00} of the {$20000.00} check being clearded right away. then two days later Yesterday the entire check was cleared. Then they took out what was owed to them. then turned around and closed the account. they said corporate looked at the account and decieded to close it because of activities from past accounts. I said well what was owed was paid so I do n't understand what your talking about
I deposited a {$600.00} check from my husband 's XXXX XXXX checking account into my Bank of America checking account using the BOA ATM machine on XX/XX/2018. When I got the receipt, it said there was a two-week hold placed on the check because of the likelihood of it being returned. I have no idea why ; I have deposited my husband 's checks into my account without issues for years. The check cleared his account on XX/XX/XXXX. I have called BOA twice and they refuse to release the hold and insist the funds will not be available until XX/XX/XXXX. I can easily show proof the check has cleared. They told me it is impossible to release the hold while the Connecticut Department of Banking confirmed to me that they have the discretion to release it at any time. So in effect BOA has free use of my {$600.00} for eight days and in the meantime they have bounced at least two items in my account. This should be illegal. If there is proof the check has  cleared they should have to make the funds available. But why should they when they get free use of the money?
Diversified Consultants out of XXXX has called me repeatedly on a 6 year old debt at least XXXX a day after I have asked multiple times to not contact me on my cell as it is used for work. I have asked repeatedly for them to correspond with me through mail.
I have made multiple payments on a payday loan that I took with Big Picture Oans out for {$700.00}. Since I 've been paying none of the money has went toward the loan or fees, it 's only been going towards interest which does n't lower the amount that 's owed. The interest rate is ridiculous.
My ex-husband and I owned real property. In our divorce, he was awarded the real property. I signed a QuitClaim Deed to him for my interest in the property. He failed to pay the condo association dues for the real property. The dues were sent to a collection agency. I only learned about this when I saw an account in collections on my credit report. I contacted the collections agency via telephone and certified mail and informed them that I did not own the property and was not responsible for payment. I also sent them XXXX the recorded QuitClaim Deed and the divorce decree. My ex-husband has since paid the dues, however the collection agency refuses to remove the account from my credit report.
Wells fargo has harassed me by calling me at home at least XXXX times a day and at work at least XXXX times a day, They take payments and place them in " unapplied funds '' for extended periods of time allowing the mortgage to become late and charge me a late fee. 

after several demands to stop calling and a cease and desist letter they are still calling several years later even when the loan is current
PHH Mortgage Services  took over my loan in   XXXX   XXXX  . I have an escrow account set up with them with the expectation that they would pay all of my property taxes as my previous loan servicing company did. My payments for my home have remained the same since I bought my house over 2 years ago. In   XXXX   XXXX   I received a delinquent tax bill from my   XXXX   district in the amount of {$3400.00}. I immediately alerted  PHH Mo rtgage to the situation and they paid the late tax bill. However, on   XXXX   XXXX   XXXX   I received an escrow reanalysis that states that due to their oversight, I must either pay them {$4900.00} or my monthly payment will increase by {$410.00}. Neither of those are viable options for me. I also no longer trust their ability to properly service my tax/insurance money and requested to have my escrow account removed so I can make sure my taxes get paid in a timely manner from now on. They agreed to remove my escrow account but only if I pay a {$420.00} escrow waiver fee. I do not feel it is right for them to charge me to monitor my ability to pay my taxes when clearly they ca n't even take care of their own business. I brought this to their attention and was told they would not waive the {$420.00} escrow waiver fee, sightin g it 's in the loan documents ( which I never signed with them ). I am pretty sure those same documents state th ey have the duty to pay my taxes in a timely manner. Their mistake is causing an undue financial hardship for me. I now have 7 months to come up with a years worth of taxes. I feel I should have the money I have contributed to my escrow account so far this year ( approximately {$3500.00} ) refunded to me, however, all I have requested from them is to have the {$420.00} escrow waiver fee removed. They refuse to work with me on this and are unwilling to accept responsibility for their mistake.
Chase/JP Morgan  is the worst bank I have ever used. I have been a customer of the bank in my local area since   XXXX  . I have my business account there. Recently I deposited a Cashiers Check to bring my account up in order to pay some bills. The deposit funds were from another bank in the area that I also use for my business account..     I was informed that the bank would place a hold on the check for 10 days. When I explained that it was for bill payment, I was met with indifference, rudeness, and complete lack of concern. Of course, if my account had non sufficient funds due to their " policies '', I would be subject to fees and penalties.     I have had many other instances of this type with Chase Bank, and have not ever sent in a complaint before. But I am so angry over their intransigence and lack of customer support, I am closing my account and taking my business elsewhere. The large banks, the ones " too big to fail '' have become the small custo mers enemy.
My son has a student loan with navient he requested a forbearance which was granted. However we continue to received threatening letters. My husband and I have suffered serious setbacks since I sign for this loan. We lost our home, my husband lost his job and I have had a XXXX but yet they continue to harass us. We are lucky to meet our bills and XXXX bills let alone having to worry about our low wages being garnished. Phone calls are constant to my husbands phone and he is not even on the loan. They also continue to threaten him and are reporting XXXX us to the credit bureaus which made it difficult for him getting a new job beside his age. Everytime I get XXXX of these letters my XXXX XXXX goes up. I 'm not sure what is allowed and not allowed but this harassment seems excessive. It technical in XXXX Ohio is the name of the school. Navient is the loan co. What are my options? How do I make them stop?
I had already disputed this collection about a month ago because XXXX XXXX  is using a threatening tactic when it comes to collecting. i was contacted several times by different people saying they were lawyers working with XXXX XXXX  and were ready to take me to court.They said to just pay them off and not waste my time hiring a lawyers because i was going to spend more money hiring a lawyer and court fees, i was better off just paying them the money and if not they would start to garnish my wages.