WillisBack/dataset-financial-user-claim huggingface dataset:
I have called Citibank several times regarding disputes XXXX and XXXX against XXXX, in addition to providing all the information they have requested in an incredibly timely manner. Three times I have been told that someone from Billing Disputes will call me within 24 hours, three times NO ONE called me. That is incredibly unprofessional. Furthermore, I still have not heard anything about the billing dispute in the amount of XXXX. 
When I look at my Citi statement, I see they provided a conditional credit of XXXX which makes no sense given that the amount in question is XXXX. It ca n't be because of the XXXX dollar XXXX credit that the store claims they gave me because in my first response to this dispute I shared that a XXXX dollar store credit is useless to me as that forces me to shop at the store and I might not need to shop there, and I am not going to buy textbooks I do n't need just to use a credit. That is not an acceptable. Also, if they read my communications I told Citi that XXXX will not let me make any purchases through their website while these disputes are pending, so even if I wanted to use the XXXX credit, I actually ca n't. Had they read my communications, that would all be evident, and they would realize that the XXXX credit is useless and the conditional credit should be in the amount of XXXX. 

I am really disturbed at the lack of attention to detail in these disputes, the lack of response despite Citibank promising several times someone will call me, and no one has and the repeated errors. I spent a lot of time gathering the information their request, I expect you will take the necessary time to read it. 

I gave Citi until Friday XX/XX/XXXX to respond to my last email in writing, either via email or by mail ( but i expect the letter to arrive by XX/XX/XXXX ) to address everything in my letter. No one responded in writing and the amount on the statement continues to be incorrect.
I have asked Navient numerous times to explain the loans attached to my account as I do not think they are accurate -- it 's impossible to get someone on the phone.
I believe that my personal information on Equifax, XXXX and XXXX was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.
Over the past few years I have attempted to get a credit increase from Bank of America - I started with the card back in XXXX as a secured {$300.00} card which after 2 years was released from the security deposit. I have incurred a number of inquiries over the years from just BOFA - I ca n't get anyone to actually look at my account. I keep getting stellar credit reference letters but no one will look at my history with BOFA rather they keep pulling Credit Reports. I am not telling BOFA how to manage their business - it 's obviously an internal decision on their part - but I can not seem to reason with a human being to actually " review '' my account - always results in a hard pull which I can not afford anymore. My other credit card issuers have no issues giving more credit limit and at this point I do n't understand why I even bank at BofA anymore - they do not do anything for me - I 've been a customer since XXXX and I get nothing. I 'm at the point where I will most likely close out all my accounts and bank with a company that actually values my business - I ca n't even rent a car with a {$300.00} credit limit.
I was authorized to speak for a co signer. However, the Debt Collector Trans World Collecting on behalf of XXXX ( rep. XXXX ) keeps calling me. I am not on the loan but they wo n't stop calling me. Despite the fact she keeps calling me, she will not fax or mail the original contract to me. She refuses to make a counter offer and has lied several times about the negotiations.
On XXXX XXXX, 2016, I contacted Nationwide Southeast LLC to inquire about a letter I received over the past weekend from Nationwide Southeast LLC about my payment being past due. They informed me my {$210.00} payment was due XXXX XXXX, 2016 and now I owed $ XXXX.+ due to a past due amount. I informed them the car I purchased XXXX XXXX, 2016 was involved in an accident around XXXX XXXX, 2016 and the car was a total loss. I paid the payment in XX/XX/XXXX knowing the insurance claim would not have been processed by the payment due date. The insurance company sent a payment of $ XXXX.+ They confirmed they received that payment on XXXX XXXX, 2016 and it " went towards the balance, '' however, I still owed for the " payment due. '' I asked why the insurance payment was not used for a payment that would have been due XXXX XXXX, 2016. They stated it went towards the balance, but I still owed the payment due amount. I asked again why the insurance payment would not go towards both a balance and payment due. Of course it was a circular conversation at that point. 
I am filing a complaint because they are concrete in their explanation and it does not make sense to have a very much reduced balance that is not considered to have sufficed for the XXXX XXXX, 2016 payment. I called today to ask for a breakdown of how my payments have been used to pay against the balance. They stated they had to mail it to me because it is not their policy to email or fax that information. This will cause more interest to accrue against me. I do not mind paying the payment, however by the end of the month the GAP claim should provide the remaining balance to be paid and I am concerned that if I over pay, I may not get a refund in a timely manner or in the amount that would actually be due back to me. 
My view is that a reasonable resolution would be for this to not reflect negatively against my credit, and for the payment due on XXXX XXXX, 2016 to be considered the $ XXXX.+ amount sent by the insurance company.
XX/XX/XXXX or XX/XX/2015, I referred my mother XXXX XXXX to apply for a personal loan at OneMain Financial in XXXX XXXX, MD. There telephone number is XXXX.My mom 's loan was approved. Also, I have been a customer with this company for approximately 3 years and have referred others to the company. My mother called to inform me that I can be rewarded for referring people and I would receive {$100.00}. When my mother informed me of this, in XX/XX/XXXX or XX/XX/XXXX, I contacted the company and spoke to XXXX XXXX. I asked XXXX XXXX if I could be reward for my mother 's referral. XXXX XXXX stated that normally it has to be done at the time the customer completes the receives the funds. However, XXXX XXXX said that she would contact her manager to see if they could give me the offer. XXXX XXXX called by back to say that she was going to do it this time but in the future I would have to give my clients a number ( she provided me a number ) so that I could receive the {$100.00} for referring them. On XX/XX/XXXX, I contacted XXXX XXXX asking the status of my {$100.00}. XXXX XXXX told that that since it was too late she could not do it. HOWEVER, IN XX/XX/XXXX SHE TOLD ME THAT SHE DID IT AND IT WILL TAKE 6 TO 8 WEEKS TO RECEIVE THE CHECK. THIS IS FALSE LIES TO A CUSTOMER AND POOR CUSTOMER SERVICE. WHY XXXX XXXX NEVER CALLED ME BACK TO SAY THAT THE DECISON HAD CHANGED. YOU MEAN TO TELL ME THAT {$100.00} WILL HURT THIS COMPANY MUCH AS I HAVE BEEN AN CUSTOMER AND MY FAMILY. I FEEL THAT ONEMAIN SHOULD AWARD ME THE {$100.00} SINCE XXXX XXXX STATED THAT SHE PROCESSED THE ACTION. IT IS UNPROFESSIONAL TO RUN A BUSINESS TELLING CUSTOMER FALSE INFORMATION. IT IS NOT GOOD CUSTOMER SERVICE FOR ME NOT RECEIVING A FOLLOW-UP CALL TO INFORM ME THAT THE ACTION WAS REVERSED.
My bill was due XX/XX/2015. I have received exactly XXXX calls in the last XXXX days, most with less than 1 hour between calls and today is ONLY XX/XX/2015. They were advised it would be taken care of as soon as possible yet I am getting phone calls some just minutes apart. I usually pay XXXX days ahead of time and I also pay more than my required monthly payment. This is harassment and I have advised them of that. I have also requested them not to contact me at my place of employment nor on my cell phone during business hours as it could ultimately cause me to have issue with my employer and if I get fired I wo n't have any means to pay the balances on my accounts. I do n't know if this call center is regulated by the FDCPA or the CFPB but they should be. I have never experienced a " customer service '' call center as rude or senseless as this and I have not done anything to be disrespected the way I have been, nor harassed for the last XXXX days consistently. I am outraged at the lack of compassion and reasonable reaction from these agents. There are many types of there are laws and regulations that protect us as consumers and I acknowledge that I have an obligation but harassing me is not going to resolve any issue, ESPECIALLY when it 's not even XXXX days delinquent. Due to daycare expenses for a single mother of XXXX during the summer months being double what they are during the school year a small amount of understanding should be shown. I have a perfect payment history with this company up to this month and they have n't even asked if they can " help '' me or what the under lying issue might be. I 'm not even certain if it is customer service or collection I have had to deal with. Regardless, they are harassing and abusing me as a consumer. I have not been this afraid to contact a company and work out a bill in a very long time. It is unreasonable and unnecessary phone Harassment.
This is the claim regarding Citibank checking account sign up offer which says if I deposit {$15000.00} within the first month and keep the amount in the account for 90 days, I will get {$400.00} deposited into my account within 60 days. 

I applied online for a checking account using a promotional link from Citibank web page. I was not asked for any code or coupon during the process. I was worried about it but since it's a link from Citibank and the page does mention the offer, I trusted Citibank that would honor the offer if I meet the requirement. 

I applied back in XX/XX/2018 and deposited {$15000.00} into the account right after. I waited until XX/XX/2018 but still didn't see the {$400.00} bonus deposited into my account so I called Citibank customer service over the phone. The representative was very rude and saying I didn't not apply any code when opening the account. I explained that I open the account online and there was no place for me to enter any code. At the end there's nothing they could do and suggested me to close the account if the bonus is all I want. 

Later on I went to a Citibank branch. I spoke with a manager in the branch. After examination of my account, she determined that I should qualify for the offer but she has to submit a claim to the headquarter in order to get the {$400.00} deposited into my account. She also suggested that since I have already met the requirement, I could withdraw my money out and only keep {$200.00} in the account just to keep it open and active. I followed her suggestion. 

Almost 2 months have passed and I still don't hear from Citibank and the {$400.00} is not deposited. I am tired of playing games with Citibank and I am submitting a case here.
I had a debit card transaction on XX/XX/XXXX that posted on XX/XX/XXXX that I am disputing for {$290.00}. This was for a service I never received, but SunTrust is not issuing a provisional credit after 10 business days. I have contacted SunTrust twice about this. First time they said after 10 business days they would issue a provisional credit. Today they are stating that they do not issue provisional credits.
This is another follow up complaint against Bank of America. This complaint is continual and linked to CFPB # XXXX, XXXX, and XXXX. To date, Bank of America has not accurately updated the status of these loans, which were settled via Short Sale XX/XX/XXXX. I have attached a copy of a portion of my XXXX credit report showing the misleading and confusing status of these loans. It also shows incorrect High Credit Balance for the second mortgage of over XXXX dollars which is not only incorrect, it is outrageous. I need Bank of America to update their credit reporting of these loans to reflect that the loans were settled in full and there is no balance. I also need them to reflect an accurate High Credit Balance. I need them to update these information with all Credit Reporting Bureaus asap.
I have been getting offers to refinance every couple month for the last 2-3 years and has been unsuccessful to unsubscribe from those. I get a run around between different teams who promise that would be the last time but in a couple month, I get a new offer. 

I want those offers to stop. 

Offer Reference number XXXX offer code XXXX
Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with XXXX XXXX XXXX which began reporting on XX/XX/XXXX, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XX/XX/XXXX. This debt is from XX/XX/XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to XXXX XXXX system on XX/XX/XXXX if all debts were discharged on XX/XX/XXXX. Thus XXXX XXXX XXXX has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and XXXX and they are refusing to delete.
I financed a XXXX XXXX from XXXX XXXX in XXXX, CT between XXXX and XXXX. The car was eventually repossed but I 've still been unable to get my plates and I 'm being charged state taxes on a car I no longer have. The XXXX company I leased from has since gone out of business I 've tried contacting Wells Fargo and they claim to have no knowledge of it.
TD Bank is doing a true disservice to me and I am owed a remedy. They drag out the processing of my transactions and make it appear as though my transaction happened a different day then they did. On top of that travesty, they then keep overdrawing my account to collect bank fees. They have my account as being overdrawn when it should not be. Someone at TD Bank doesn't know how to do math. My account Balance should be {$54.00} not negative {$140.00}. Now I demand TD Bank not discriminate against me for reporting their misbehaving and close down my checking or savings accounts. I also demand TD Bank credit my account and make my balance what it should be {$54.00}. I also demand that TD Bank stop dragging out the processing of my transaction, trying to overdraw my account.
On XX/XX/XXXX, I applied for a Bank of America XXXX XXXX Signature edition credit card. I did so because I wanted to receive the benefits that were outlined in the offer ( e.g., miles, companion ticket, etc. ). I was immediately approved and was informed I could begin using the card, which I did ( spent over {$1000.00} ) to meet the requirements for the miles. <P/>Upon receiving the credit card in the mail, I called Bank of America to ensure that I would be receiving the airline benefits, because they ( miles, ticket info ) were NOT outlined in the paperwork I received with the card. They told me I needed to contact the airline to find out that information. I called the airline, and they told me they did not have access to that information and that the awards would be issued after my first statement ( since I already spent the required amount ). <P/>Approximately one month from when I applied for the card, the first statement was issued, I checked my account online. In reviewing my account, I noted that I did not receive the miles I was expecting, but rather only a small portion of that amount and no companion ticket. XX/XX/XXXX I called both the airlines and Bank of America, and was informed that I was not approved for the " signature card '', even though I have a excellent credit score ( about XXXX ) and my $ XXXX mortgage has been with Bank of American for the past 7 years ( always paid on time, no issues ). I was approved for a different credit card, 'platinum ', that was not eligible for the same benefits. <P/>I requested that they change my account to the 'signature ' edition, but they told me that even though I would be eligible for the signature card, I was no longer eligible for the airline benefits that came with that card because I was already issued the 'platinum '. <P/>Bank of America needs to be more up front about their different card options, which one someone is receiving and benefit differences, and people should be able to apply only for the Visa Signature edition. If this is not resolved, I am going to cancel my credit card with Bank of America and change my  mortgage to another institution.
I have a Auto loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, TransUnion and XXXX XXXX with no successful resolution. XXXX, XXXX and TransUnion reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
For about the last 6 to 8 months Discover Bank/Discover XXXX XXXX  has been calling me stating that they own my mortgage ( They DO NOT) and if I do not pay their credit cards the XXXX that they claim that I own them they will take my home!  This is the second complaint I am making about them calling me all the tie with their lies< the did stop for one month!  Also they are still setting up fake accounts using my email one was for a porn site!
They have also taken over $XXXX from my other credit cards!
A state tax lien on my record does not show my full social security number nor my date of birth. It also does not contain my address. As it does not contain the mandatory information required by law, I respectfully request that it immediately be removed from my credit report. I have filed XXXX disputes in the past with both credit reporting agencies.
Equifax /I do not remember authorized this company to obtain a copy of my credit report. This inquiry need to be removed immediately : Creditor Name : ( XXXX XXXX XXXX ) I want to see the application signed by me which should be on file. I want Name of person and their phone number of person you talk to verify credit inquiry.
There was inquires from JPMorgan Chase Bank on XX/XX/2017 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
In response to my first complaint (  XXXX  )  XXXX   XXXX  sent information to an address that does not belong to me, never has belong to me, and to which has been a disputed address on my credit reports. Whether mail was returned via the post office is not for me to find ou t, 1.  How would I know mail was sent if the address is not mine?     If mail such as this was sent via certified mail with signature requested then we would n't be going through this right now. Santander nor  XXXX   XXXX  sent me validation of this debt or the notice it was going to be reported, nor did either of them send me the notice of sale after repossession until this complaint was filed then  XXXX  sent notification and documentation. This is against laws, and part of a repossession is to provide a date and time of sale in case the consumer would like to gain ownership of the car again and that 's was never received until after complaint through the CFPB.
In XXXX of XXXX, I opened a XXXX checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by the end of XXXX. During this time I was charged a monthly service fee of {$30.00}. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$30.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 've done google searches and found forums full of people or are recently having this same problem with citibank. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. I have documenation through a secure message where citibank told me I had met all qualifications for the offer and would recieve the points by XXXX XXXX. Here is a copy/paste of the secure message : " From : XXXX XXXX Date : XXXX Account Number : Interest Checking XXXX Subject : XXXX : Promotional Offer Reference : XXXX Dear XXXX XXXX, Thank you for choosing Citigold. We appreciate your business and the opportunity to serve you. My name is XXXX and I am pleased to assist with your message regarding the promotional offer for your checking account ending in XXXX. 

After reviewing your account, I found that you have completed the offer requirements for the XXXX ThankYou Points. 
As stated in the offer terms and conditions, the bonus ThankYou Points will be credited to your existing ThankYou Member Account after 90 days from the end of the statement cycle in which you completed all of the offer requirements. Please expect to see the credit on XXXX/XXXX/XXXX. ''