WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB : On XX/XX/XXXX, I clicked through the promotion link inside the advertising email from American Express . I upgraded my XXXX XXXX everyday card into XXXX XXXX XXXX card. Inside this offer, it clearly states that I can earn a {$250.00} statement credit after spending {$2000.00} in purchases on my new card within three months. 

From XX/XX/XXXX to XX/XX/XXXX, the amount of my total purchases is {$2700.00}, which has met the expense requirement. The prorated charge of the upgraded card annual fee was {$15.00} and my membership fee ( {$95.00} ) was renewed on XX/XX/XXXX. 

After I had waited for a while, I still didn't receive the {$250.00} credit. I reached out to the customer service over online chat. I was told that I didn't meet the expense requirement from XX/XX/XXXX to XX/XX/XXXX, therefore I am not qualified for promotion bonus. 

Either 1. the information provided by this customer representative or American Express system is wrong by mistake, or 2. American express intentionally provides the wrong date to avoid issuing promotion bonus. 

No matter either 1 or 2, without a shadow of a doubt, this error is made by American Express. Two reasons are listed below : 1. I have double checked and confirmed with the customer representative that my upgraded membership prorated charge covers from start day of the upgrade to the annual renewal date. I have also confirmed with the customer representative that my renewal date is XX/XX/XXXX and the prorates was calculated as per month- in my case : two months. Known the fact, American Express is in no position to neglect the fact that my upgrade date is XX/XX/XXXX. 

Online chat records are pasted below : " Now the {$95.00} fee is charged fromXX/XX/XXXXtoXX/XX/XXXX. '' XXXX- XX/XX/XXXX XXXX XXXX " So the next fee will going to charge onXX/XX/XXXX. '' XXXX- XX/XX/XXXX XXXX XXXX  " yes, We calculate the prorated fee as per month. So you were charged of {$15.00} for 2 months. '' XXXX- XX/XX/XXXX XXXX XXXX 2. The customer representative claimed that I called on day XX/XX/XXXX to upgrade the card, which is a complete lie. I asked for a copy of a chat or call script record or signature or verbal consent on upgrading my card on that date, the customer representative immediately took back his false claim and provided a simple apology for his untrustworthy and irresponsible behaviors : " My sincere apology for the fact that I mentioned the conversion done the phone, I overlooked the notes. Sorry for that. '' - XX/XX/XXXX XXXX XXXX I would appreciate CFPB to weigh in to enforce the correction of this error made by American Express. Because the customer representative refused to correct this error.
I made a large payment of {$49000.00} in XX/XX/XXXXwhich Discover applied incorrectly to my account. Suddenly in XXXX I started getting bills saying {$0.00} due next payment due in XX/XX/XXXX. Then this year I get bill saying that my payment of {$320.00} is due. I contacted Discover and asked for a full review of my account and why I now m owe {$320.00} a month. Discover sent me an amortization of w.hat I owe them. I called again and they said they would look into it and call me back, no call. I finally got a supervisor who told me that my account had a problem due to a system upgrade that triggered the new payment. I was also told a team was working on my account and would get me definite answers. 
I received a letter this week saying info was posted online for me to see, nothing there but an incorrect bill. Additionally, both my son and I are receiving phone calls and threats to turn us over to Credit Bureau as delinquent. This saga has now been going on for five months, and I still cant get the info on how my payment was applied, how much I have left to pay ( number has changed at least three times ).
Macy 's has adopted a " minimum interest charge '' of $ XXXX/month - regardless of the balance due at the time interest is calculated. If the balance due is {$0.00}, for instance, the {$2.00} minimum would reflect a??? insane rate of interest. Does n't seem fair.
XXXX XXXX sold my debt to Suttell, Hammer, & White. The debt is legitimate. I asked, as per attached letters, Suttell, Hammer & White to cease all collection attempts and to stop ALL contact with me. The company has not only ignored my requests, but has been threatening me with legal action, mailing make lawsuits, tormenting, oppressing, and engaging in false, misleading, unlawful, unfair, and fraudulent practices. I am perfectly fine it this company wants to sue me. If they do, I 'll reply, but they can not continue to act with impunity by violating, blatantly, the XXXX Fair Debt Collection Practices Act, and the Fair Debt Collection Practices Act.
PayPal payments to international persons not fully provided as indicated by receipt. Recipient get deducted an amount that is not what I paid. XXXX instances, first : sent XXXX XXXX XXXX in XXXX but recipient was not given full XXXX XXXX, instead recipient received XXXX XXXX. I was charged the full exchange rate and had to make up the difference to the recipient. Today, I sent XXXX XXXX to recipient for a receipt showing a total of XXXX XXXX XXXX ( which is what I wanted to send ) at today 's exchange rate. The recipient did not receive XXXX but instead was given XXXX XXXX XXXX. I was charged fee for exchange rate and the recipient was shorted approx XXXX XXXX that I now have to again send. PayPal says they paid the full amounts each time to recipient. Not sure what is really going on but something is not right.
I have spoken several times with Nationstar Mortgage, XXXX XXXX XXXX XXXX, XXXX Tx, XXXX. It has been over the accumulation of late charges and fees portion of the statements they have sent to us. Our Loan has been passed on to XXXX morgage companies in the past ten years. The last being XXXX XXXX. We had an agreement that a {$50.00} late fee would be applied to our monthly payments if we were late. When the transition took place Nationstar automatically said we owed XXXX in late charges and fees in a category included in our statement. I contacted them and told them to please get this corrected. That we have records showing all late charges/fees were up to date. With XXXX. Since that conversation XX/XX/XXXX the first month Nationstar took over. We have sent our {$50.00} late fee when applicable for being late. I have called them several more times about this issue in the last year. I got so frustrated trying to get someone to correct the problem I sent the fees along with my XXXX XXXX payment to balance this account. I sent my XXXX XXXX payment in with the {$50.00} late charge also since it was XX/XX/XXXX. Which should have balanced my account. I received a letter XXXX XXXX indicating that the money I have sent them. An accrued amount of XXXX for those fees real or added on has been put in suspense and they still are adding fees to my late charges when they are holding that money and telling me if I do n't sent another payment of XXXX for my XX/XX/XXXX payment they will send the XXXX back and add it to this XXXX. Making it look like I owe them XXXX for XX/XX/XXXX Plus more late charges/fees. My monthly payment is XXXX plus {$50.00} late fees. And that is it. I spoke with them today and asked why they keep accruing this Late/fee and keep charging me more charges and fees when they have this extra money that was sent along with my payments to clear these charges up. They said as long as I pay late at any time they are not going to apply these funds to my late charges fee to clear this up. I only owe XX/XX/XXXX payment right now. I estimated that if they pull this on a half a XXXX accounts out there ( which is probably a low estimate on the amount of mortgages they handle every month. ) and just XXXX dollars is tacked on to each loan in fees like this. They could be raking in XXXX XXXX dollars a month and no one would be the wiser. They keep asking me to send the money in and they keep accruing more charges on money they already have. I asked them again to put that money where they ask for it to be paid on and they refuse. These are the kind of things that XXXX, XXXX XXXX XXXX, XXXX XXXX pulled back in the trouble period with the congressional hearings and Dept of Treasury situation to make it look like people are behind for foreclosure attempts. This worries me that this company is using these tactics also to liquidate loans. Should I be concerned.
I was purchasing a vehicle back in XXXX and Ally Financial ran my credit 7 times, there is no reason why it should put 7 inquiries on my credit report. I sent a verified letter to the dealership and to ally financial, and I got a response back that it was " factual ''. I am trying to purchase a home for my family right now and this is damaging my credit.
I opened my checking account with Santander bank in I believe XX/XX/XXXX. I didnt use it very often due to the fact that I was waiting to be approved for XXXX. On XX/XX/XXXX, I bought 2 money orders from XXXX XXXX XXXX for the amount of {$990.00} each. I bought them for first months rent and security deposit for a new apartment. When I bought them to the management company to pay them and they said they had to be cashiers checks. I called Santanders XXXX number and told them what happened. I was told that I could make the money orders out to myself and deposit them to my checking account. On XX/XX/XXXX I deposited the money orders through the mobile app. When I checked my account on XXXX, {$200.00} was available. When I tried to check on XX/XX/XXXX my account had been blocked for access. I called Santander and I was transferred to the fraud unit. I spoke with a man named XXXX and I was told to bring the receipts showing that I purchased the money orders to the nearest Santander branch. I did this the same day, XX/XX/XXXX. I went to the branch in XXXX, CT on XXXX XXXX XXXX. The representative took copies of the money orders and the XXXX & XXXX receipts and emailed them to someone in the fraud unit. She told me to call the next day to check the status. I called on XX/XX/XXXX and was told that the funds were on a 5 day hold. I called on XX/XX/XXXX and I was told the funds would be released the next day. I called on XX/XX/XXXX and I was transfered to the fraud unit and I again spoke to XXXX. He told me I had to go back to the branch and talk to a manager. I go back to the branch and the associate was very confused as to why I was still having issues. She looked at my account history and didnt see any issues at all. She called the fraud unit and spoke with a XXXX and he told her to terminate the relationship with me. She argued with him in a nice way because she saw no reason and I had showed everything they needed. I even offered to get a letter from the apartment management company saying that they had denied the money orders but he said no. She didnt agree but she did what she was told. She closed out the account and gave me my funds. She didnt say but I assume he thought it was some kind of fraud goin on which it wasnt. She was very bewildered because she saw where I had made a deposit in XX/XX/XXXX and in XX/XX/XXXX. I used those funds to pay bills. Those were the only times I really used the account. She said if I had deposited them through the ATM or in the branch they wouldnt have triggered any kind of fraud alert. 

I know the bank can terminate a relationship at any time, thats not the problem. I just think the communication should have been better, it doesnt really bother me. My brother in law has had Santander since I think it was XXXX XXXX and I only joined to give him a referral. Because of this, Santander has lost 6 additional customers due to family members closing their accounts after this happened to them. One of them was my brother in law, this was the final thing to make him sever ties with Santander after so many years. 

I dont really want anything in return, I just wanted to let people know about this issue.
On XX/XX/XXXX, I sent letters to the credit bureaus. I had discovered errors that I wanted them to investigate, and this letter requested that. I was supposed to hear back from them within thirty days, but I have not.
XXXX XXXX XXXX {$3200.00} and client disagrees. She reports that she does not owe XXXX. 
Creditor is XXXX, XXXX Account Card number : XXXX XXXX Global Credit and Collection Corp. Global ID XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Illinois XXXX XXXX XXXX Credit Card Account number ... ... XXXX XXXX XXXX issued a refund check {$110.00} on XX/XX/XXXX but she was not able to cash it. Check XXXX Phone number : XXXX. The client was informed by her bank, XXXX XXXX, that the refund check was returned unpaid. A stop payment was done onXX/XX/XXXX # XXXX. 
Client reports that she had a Life policy insurance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Policy Number : XXXX and XXXX Toll free Number XXXX.Client was informed that the cash value {$4000.00} for each and on XX/XX/XXXX,  the company sent you paperwork to fill out to cash the value. The client filled out the paperwork and she had it notarized by XXXX ... XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , California . The client sent in all the paperwork that was requested and the company sent her a letter stating that the insurance policies had lapsed.
I have been disputing inaccurate names, addresses, phone numbers, employment, inquiries as well as public records since XXXX of 2017. I have never received an updated report from XXXX or XXXX concerning these matters as of XXXX. 
All 3 has told me to contact the companies of the inquires and have them to delete, I did that at least XXXX with all and was told that it 's up to the bureau to remove. I 'm not saying all are not mine but MOST of them are not and I have sent in a list to all 3 bureaus multiple times over the past several months. I have requested from all 3 bureaus to provide me proof as I am entitle to have, that was provided to them from there investigation for my public record, I have not received any documentations from either bureau as of XXXX. I also have a identity theft police report on file with all 3 bureaus. 

Hear is a list of the inquiries that are not authorized : 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 XX/XX/XXXX - XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX- XXXX Experian : 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 -XX/XX/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 INACCURATE PERSONAL INFORAMTION : NAME- XXXX XXXX EMPLOYEMENT- XXXX XXXX XXXX XXXX : NAME : XXXX, XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX EXPERIAN : ADDRESS : XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX XXXX XXXX XXXX , XXXX XXXX
My XX/XX/XXXX statement arrived and upon review I had noticed charges that I did not make. Futhermore, I only made XXXX purchase. Second, I contacted the company and they stated they would dispute the Item. I made only XXXX purchase at XXXX time. Then stored the card. I made the XXXX purchase to help build my credit. This has been a on going problem with many different companies, That is why I am tell you about this to maybe stop this trend or whom ever is doing this.
Hi I decide to write this letter because recently I 've been doing research and is appalled by what I discovered. The more I read on about the SCAM that Wells Fargo and American Services Company is responsible for pulling off its amazing how a XXXX dollar company is allowed to take advantage of the citizens of this country. 

The problem started when I had trouble paying my mortgage that I had with Wells Fargo. I had family problems which caused me to fall in default on my loan. My monthly payments at that time were about {$1800.00}. After speaking with Wells Fargo the solution I chose was to refinance the mortgage with a company called American Services Company. My new payment every month will now be about {$2000.00} every month. 

Now this is where the SCAM comes in. American Services Company now told me I did n't have enough money in my escrow so the following month my mortgage payment would be raise to {$3500.00}. ASC and Wells Fargo were well aware of my financial capabilities as well as my financial vulnerabilities. They chose to exploit the vulnerabilities. 

Numerous times I called ASC and tried speaking to customer service reps and every time they told me that there was nothing that can be done. I just refinanced an {$1800.00} a month mortgage to a {$2000.00} mortgage by making a few budget cuts and financial sacrifices. 
Unfortunately the problem still did n't stop there. My mortgage was now {$3500.00}. I was able to get {$3200.00} and sent ASC a check. ASC sent the check back and responded they would n't accept any partial payments and charged me with late fees and interest. The following month it was the same thing. Now if I did n't have {$7000.00} plus the late fees and interest ASC was n't interested in negotiating or accepting any partial payments. So overtime these charges just accumulated. 

This same story happened to citizens all over America. I read before that the attorney general had a settlement with Wells Fargo. Why are they still allowed to foreclose on people 's home
Filed a dispute with the XXXX credit agencies ( XXXX, XXXX and Experian ) about a current mortgage that was wrongly reported as a closed account- Chapter XXXX bankruptcy. Mortgage is a current account and is been paying on time during the last 12 months. Account was opened on XXXX XXXX and was never closed. On XXXX XXXX was transferred from the original bank to another bank as the original bank closed operations. Agencies closed and eliminate the account from my credit history. They claimed that bank is not reporting the current payment because mortgage was involved in a previous Chapter XXXX which has discharged positively on XXXX XXXX. Bank mistakenly claimed that they do n't have to inform that the account is current and been paying on time to the credit agencies because it was involved in a discharged Chapter XXXX.
On XX/XX/2016 all of my inquiries were deleted. I logged in today and now they are back and my credit score has gone down
on XX/XX/XXXX there were charges made to my XXXX XXXX Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due until XX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from XXXX XXXX in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with XXXX XXXX and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.
I have tried unsuccessfully with Bank Of America ( BA ) to resolve this issue. 

I must have been online in my BA account ( I have BA checking and a credit card ) on XX/XX/2016. I was paying bills. I noticed that my BA credit card showed my minimum payment due for XX/XX/2016. I went ahead and set up a transfer from my checking account of more than enough to cover the minimum payment. MY BA checking account shows that money coming out on XX/XX/XXXX. My BA credit card statement shows that money being credited on XX/XX/XXXX. 

I was paying bills on the night of XX/XX/XXXX. I noticed my BA credit card was still showing the minimum payment due on XX/XX/XXXX. I called the number on my credit card and talked to a reprehensive at BA. She told me that she saw what happened and did not understand why it was not showing the payment due being paid. She noted my file. 

I was on my PC paying bills again on XX/XX/XXXX and decided to pay an additional payment, because I had charged more than I wanted to so far that month. When I got back on after XX/XX/XXXX, around XX/XX/XXXX, my BA account showed my account as past due. 

BA credit card is saying since I set up the transaction on XX/XX/XXXX, It was applied to my previous statement! How can that be when it shows coming out and going in on XX/XX/XXXX? BA has a XXXX system. 

I have called BA, sent a letter to BA credit card dept. and went into the local branch. All I get out of BA is tough luck that is our system and it ca n't be fixed. They will supposedly waive the late fee, but I have no idea how this will affect my credit. They want me to pay an additional payment. Is this any way to run a major bank?
XXXX I started repaying my student loans, I am a XXXX and used the income based repayment plan, I payed on them from XXXX - XXXX, every year they made me do a new income based repayment plan request and send tax documents, which I did. In XXXX, they asked for paycheck stubs also, I sent those, then they asked for a letter from the company I work for, I sent that. During this time, I had automatic payments coming out. Suddenly I received a letter with a message " your request for a deferral has been approved '' then no payments. in XXXX, I tried finding the loans, but the company had sent them off and told me to go to the default loan service, I tried finding them to who they sent me to, they had no information. Now XX/XX/XXXX, I get a letter that my XXXX original loans is now XXXX dollars and it is with some other contracted company. I had auto payments set up and the company stopped taking money out, then could not find the loans even though I was looking and contacting the company. How do I fix this and get back to the income based repayment plan I had been on for 3 years, when they suddenly deferred it and then moved everything around.