WillisBack/dataset-financial-user-claim huggingface dataset:
v Exit XXXX XXXX : CustomerXXXX : Initial Question/Comment : Hello ... My account is closed, yet I earned {$20.00} in cash back rewards ... how can this be rectified? 

XXXX XXXX : SystemSystem : Welcome to XXXX XXXX Card Live Chat. Your chat may be monitored and recorded for quality purposes. A chat agent will be with you momentarily. 

XXXX XXXX : SystemSystem : XXXX XXXX has joined this session! 

XXXX XXXX : SystemSystem : Connected with XXXX XXXX. Your Reference Number for this chat is XXXX. 

XXXX XXXX : AgentXXXX XXXX : Hello, XXXX. Thank you for contacting Synchrony Bank regarding the XXXX Store Card! 

XXXX XXXX : AgentXXXX XXXX : Let me check this for you. 

XXXX XXXX : AgentXXXX XXXX : I do see the account was closed on XX/XX/XXXX. 

XXXX XXXX : AgentXXXX XXXX : These are the previous rewards earned which are not active now as the account is closed. 

XXXX XXXX : CustomerXXXX : I understand this. However, I am making payments and earned that moeny. why is my account closed? 

XXXX XXXX : AgentXXXX XXXX : The account is closed due to returned payments on XX/XX/XXXX, XX/XX/XXXX due to insufficient funds. 

XXXX XXXX : CustomerXXXX : even though the account is now current? hmm ... I will be reporting this to the CFPB XXXX XXXX : AgentXXXX XXXX : Please allow me a minute here, please. 

XXXX XXXX : AgentXXXX XXXX : XXXX, please wait while I transfer this chat to my manager to assist you further. 

XXXX XXXX : SystemSystem : You are being transferred to another Agent. Please stand by ... 

XXXX XXXX : SystemSystem : XXXX XXXX has left this session! 

XXXX XXXX : SystemSystem : XXXX XXXX Operations Manager has joined this session! 

XXXX XXXX : SystemSystem : Connected with XXXX XXXX Operations Manager. Your Reference Number for this chat is XXXX. 

XXXX XXXX : CustomerXXXX : I really do n't need any further assistance. 

XXXX XXXX : AgentXXXX XXXX Operations Manager : Hello XXXX. 

XXXX XXXX : CustomerXXXX : I asked a question, it was answered, and now I am going to escalate the matter XXXX XXXX : AgentXXXX XXXX Operations Manager : I understand. 

XXXX XXXX : XXXX XXXX XXXX Manager : However I can explain this further. 

XXXX XXXX : XXXX XXXX XXXX Manager : XXXX, as explained that account can not be reopen to use the rewards. 

XXXX XXXX : CustomerXXXX : You as a company stated I would earn cash back, I made a payment that was returned, but was later rectified. However, not only was my account denied for a limit increase due to a collection that was fraudulent that has since been deleted from my credit report, but now my account is closed and you as a company are withholding the offer for the cash back that could have been placed on my account to assist with lowering the balance ... did I miss anything? 

XXXX XXXX : CustomerXXXX : Thank you, XXXX. I will no longer need your assistance.
XXXX XXXX will not properly give me credit for qualifying payments for PSLF. I have provided them with the proper documentation from my previous lender and they still haven't updated the records correctly. I had to submit the documentation 3 times, once by certified mail, once by fax, and once by document upload to even get them to acknowledge that they had received a communication from me. Then, they didn't calculate the correct number of qualifying payments made on the subsidized and the non-subsidized loans. I am a XXXX employee who has been making payments under one of the income driven repayment plans since XXXX of 2009. I should have an equal number of qualifying payments on the subsidized and the non-subsidized loans, just over 100 qualifying payments on each. I submitted documentation from my previous lender to show them the qualifying payments and authorized XXXX to pull records from my previous lender. They sent me a letter which only counted the payments made in the last year. XXXX seems determined to not acknowledge and give credit for the bulk of my qualifying paments made while being serviced by a different company ( XXXX ). I need help getting them to accurately document my qualifying payments.
I received several calls from a company name legal support services, I then Received a voice mail stating that I needed to be home to sign for a legal letter, a phone number was left from the phone number XXXX to call XXXX if I needed to reschedule the delivery of these documents. Curious to what these documents were, I called the XXXX number. Someone named XXXX answered the phone, and said she worked for the legal support services for Chase. She informed me that the documents being sent were a notice of legal action taken against me by Chase for a credit card from 2004 that I had no memory of. I told her that I would not be home to accept these documents. She then informed me that if I am not home at the time of delivery, they would send someone to my job to deliver these documents about a court case that is now pending against me. She then said that they were also going to take garnishments from my wages. Still unclear of this credit card she is referring to, I began to ask questions in which she responded that she is not obligated to disclose this info. She could only tell me that I was going to have to pay the credit balance of XXXX XXXX and something dollars, in addition to court and legal fees. She then placed me on hold, came back to the phone and said Chase was willing to settle this credit card debt for the amount of {$990.00} if I can agree to pay it in full. If I agreed to pay the {$990.00}, the legal documents that I had to sign for would not be sent, no one would come to my job, and no garnishments would be taken, and I would not have to appear in court or have any legal actions taken against me. Scared from all of the threats, I agreed to pay the {$990.00} over the phone, even though I have no memory of a Chase card from 2004. She then gave me a confirmation number XXXX and said I would now receive documents in the mail, with all the details of our transactions, and a letter of XXXX balance that I would have to reference if I get called again. I have yet to receive anything in the mail. I just received my statement from the bank and noticed that the description for that payment says XXXX XXXX XXXX, a company I never heard of, again they told me they were legal support services for Chase. Please assist. I believe I was scammed, fool, tricked, and misled and forced to pay something that I did n't have to, but was forced out of fear.
When I view a " XXXX '' report, I see XXXX conflicting records, which shows that these agencies do not actually know how to process or merge their data in a consistant way, and should not be trusted authorities. If the data could be soundly joined, we would not have XXXX separate commercial entities, and we would not get XXXX separate results. 

As a consumer, I should not have to reconcile XXXX different systems, each which represents a massive company. Why should I have to inquire to each of these XXXX different businesses? They are just data integrator, and they each have their own programming systems and approaches to data integration. Yet, still none of the XXXX of them can agree upon basics facts about me, so if they ca n't do that, why would we trust them at all? 

This XXXX reporting is the information that is trusted. But it should not be. The fact that these XXXX bureaus do n't give the same results shows that we can not trust their reports. I 've had online identity certification denied because XXXX of these bureaus published at some point that I am related to a person I do not know, and by their data, they think I should know her birth month ... But I do n't know her. She shares a last name with me, and she might know someone I know, so I can see that an over-reaching data-integration effort might think we are connected, but this is n't playing around - it 's not suggesting XXXX connections. This data aggregator is claiming to give valid information about finance and credit, and it is leading to restrictive practices regarding online identification. In this case, to get a wire transfer, I was told I either needed to know this person I did n't know, because XXXX of these data collectors said I should know them, or I would have to supply photo-copies of my social security card and driver 's license, just to assert my identity. Remember, this is because a data aggregator company put together my name with someone I do n't know. 

I should not have to lose my ability to sign for online services because the XXXX suite of companies does n't properly integrate data. And they should not be able to enjoy and continue to profit from the reputation that they are the only companies who are trusted. They give widely disparate accounts, so how are they still trusted, and how do they remain the ones who we rely upon for identity verification for credit reporting? Consumers should not be asked to reconcile the data when XXXX companies listed as authorities produce very different information from what we are told is the same data. Consumers should be able to say : Your data is wrong. Where did you get it, and how was it combined? Their representatives seem to be happy to say " it 's just public data.. we 're just combining public data '' ... without realizing that they maybe do n't have great experts in charge of combining it, so wind up with very wrong combinations. And typical consumers would not know enough to be able to complain. But I do know that the data is being combined incorrectly, I have evidence of it, and this is a huge consumer issue.
This debt was not mine, I had it removed from XXXX credit reports while it was under the name of a different collections agency. Now, I am getting harassed by a new company called Phoenix financial regarding this previously deleted account. I feel very uneasy about this issue. I was yelled at over the phone, and was told that I am basically a bad person for not paying my " debt '' by the collector. I do not deserve to be treated this way, especially for a debt that I had been cleared of already.
Transunion fails to remove the XXXX XXXX XXXX account.. Transunion reports incorrectly that this account has a credit limit of {$5000.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency. Transunion reports incorrectly that this account has a current balance of {$25000.00}. This account has issued a XXXX cancellation of debt .Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I have been contacted by the General Revenue Corporation no less than 4 times and have called each time to request they stop contacting me. The last time a great deal of information was given and I was told they would stop contacting me. The debt they are trying to collect is not my own. It is for a person with the same first and last name as me. This has been said to them at each time of contact and each time I have been assured they would stop contacting me. I have received yet another letter today to collect a debt in full for a debt that is not my own.
While XXXX on XXXX XXXX in Puerto Rico, my roommate stole my laptop, cell phone, and credit cards. She access multiple accounts, including online banking, XXXX, XXXX, XXXX, XXXX, and multiple other accounts. I have contacted the banks and the website accounts via email or private messaging. Most companies were quick to recognize the abnormal purchasing pattern and locked my accounts down to prevent further use or attempted fraud. Unfortunately, XXXX does not engage in preventative measures, and allowed a stolen credit card to be used on my account to make approximately {$1900.00} in unauthorized purchases. Investigation is completed by XXXX did indicate that the charges were abnormal and likely to be fraud. Regardless of this discovery, XXXX is refusing to issue a refund because of a few minor and singular accidental purchases over the previous four years. 

Other Banks involved, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, recognize that the credit cards were being used on websites rarely visited and purchases not normally attempted. XXXX, XXXX, and XXXX also recognized that attempted purchases were outside my normal pattern. Each of these Banks and companies froze my cards and my online accounts to prevent further fraud or attempted fraud. Upon recognizing the fraud after returning from Puerto Rico, these Banks and companies were quick to resolve the issues XXXX issue re-establish my accounts. XXXX and Navy Federal Credit Union failed to recognize and prevent the fraud that was so blatantly obvious to every other company.

In addition, multiple attempts to contact Navy Federal Credit Union VIA mail has resulted in no response regarding the fraud or investigation.
I am writing in regards to Citi Bank offering me a balance transfer at one offer, but fulfilling it under different terms than offered. I was offered a balance transfer ( Balance Transfer Offer 4 )  under the terms of 0 % until paid in full with no transaction fee. I took advantage of this offer and completed four ( 4 ) balance transfers, and I have attached screen shots of the offer on my account and screen shots of the completed transfers on the Citibank website. I first completed a Balance transfer in the amount of {$2000.00} on XXXX XXXX. ( Attachment BT Citi ). As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. On XXXX XXXX I completed a balance transfer in the amount of {$4200.00}. ( Attachment BT Citi XXXX ) As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. On XXXX XXXX, I also completed a balance transfer for {$8000.00} under the same terms On XXXX XXXX, I completed another transfer in the amount of {$5000.00}. Attachment BT Citi XXXX. As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. The offer was made available to me upon logging in to my account online and I took advantage of this several times. However, upon receipt of my statement, the balances were not fulfilled as offered. The Balance transfers did post with no fee and did post at 0 % however, the term of the balance transfer is listed as expiring in XXXX of XXXX. Clearly, this is not the offer I agreed to and is not what was offered and is evidenced by the enclosed screen shots. I have attached evidence of this. I should have a balance of XXXX at 0 % until paid in full as marketed and agreed to by me when completing the transaction. I would never have taken advantage of an offer as posted to my account, as I currently have a 0 % rate on my account until XXXX of XXXX. Citi Bank continues to harass me. This is just another instance of false and misleading statements and marketing lies perpetrated by CitiBank. Citibank should be required to honor the 0 % rate on all of my balance transfers until paid in full as offered to me and as agreed to by me.
My issue involves XXXX XXXX XXXX ; I have previously filed a complaint. I have contacted Ocwen Ombudsman but got a generic response. One thing they continue to ignore is the inaccurate information they are now reporting. The term of the loan is reported as 38 years. This is false. The term was 15 years with a balloon note. This is why they were able to take my home. CFPB recently filed a suit against this company : Case No. XXXX CONSUMER FINANCIAL PROTECTION BUREAU, I want to add any information I can to this suit if possible. If not, I want someone to help me determine if anything can be done. I began trying to go through the modification process in XX/XX/XXXX 2010. They refused me at every turn. First, because I was not in default and had not missed 3 payments. When they received that 3rd payment they sent it back and my nightmare began. They told me that NPV was the reason, or the 31 % rule, they lost paperwork, they stalled and  stalled and then finally sent me a 2 year in-house modification agreement because they said the " investor '' would n't allow this loan to qualify for the HAMP. I made every payment on time and applied for another modification which was turned down. They claimed the loan owner would not allow modification and demanded the balloon payment of {$75000.00}. Help me. Please. ________________
I am in bankruptcy as of XX/XX/XXXX. As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. This account is reporting that it is included in my bankruptcy, as well as is reporting me as late. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of lates has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me late. THIS REPORTING OF LATES IS ILLEGAL. Not to mention, it 's reporting me as late for XX/XX/XXXX when XXXX is n't even over!!
XXXX reported my account late wrongfully on XXXX. They removed it and put it on XXXX then removed it and now they put it on XXXX. Every time they say they will fix the problem they then add it to a different credit bureau.
This complaint is part of complaint number XXXX. To clarify some bad types plus that this company is reporting me delinquent when I should not. 
I have being having an issue with CitiMortgage. My husband and I filed for bankruptcy on XXXX XXXX due to several medical bills When filling the bankruptcy a Reaffirmation Agreement with CitiMortgage was done and sent to the bank. My husband passed away on XXXX XXXX. Because his dead I got a small life Insurance which I used to pay the bankruptcy amount and Paid Off the mortgage on XXXX/XXXX/XXXX based upon a CitiMortgage Pay Off letter I had in that time where my principal balance was XXXX. When I did the pay off according to CitiMortgage I was short on the amount of XXXX. 
When I called the bank after the money was deliver to the bank, they told me because I was in bankruptcy they could not apply the pay off. I talked then to my Bankruptcy lawyer and he started talking with CitiMortgage and in XXXX/XXXX/XXXX he found out that the bank did not record the Reaffirmation agreement, so that date my lawyer sent again the document. 
The pay off was not applied not even then, I had to go out of the country and when I came back on XXXX Then again I talked to CitiMortgage because still my loan was not Paid Off but I did not get any satisfactory answer ; so I asked to my bankruptcy lawyer to speak to CitiMortgage attorneys. After my lawyer call I was requested by him to send a letter to the bank with the copy of my Paid off. This was done XXXX XXXX, XXXX. 
I have been now trying to talk with CitiMortgage and is really impossible to get a straight answer from them. The last thing they told me is that now I need to pay interest over the {$1100.00} remaining balance so my debt now rose to XXXX which I do not agree since the bank was at fault for not recording the Reaffirmation Agreement. 
I finally contacted the Executive Office and I was assigned to a person. First she took all the time of the world and finally she contacted me on XXXX with no resolution. Nobody wants to understand that the bank is at fault for no recording the document. I had all the emails that my lawyer had with a person in CitiMortgage. The person that was my lawyer he now is a teacher in a school and busy with lot of kids so I was left alone to deal with the bank. I came out from bankruptcy in XXXX XXXX. 
I sent the pay off with the interest applied on XX/XX/XXXX by the amount of XXXX because I did not want to carry out this issue to XXXX otherwise the interest will go to the roof. 
The XXXX for the pay off principal balance correspond to XXXX my original remaining principal balance after I paid XXXX. So I paid XXXX in interest that is not justified because this was all CitiMortgage fault And now in top of all I just realized CitiMortgage reported delinquencies on my mortgage on XXXX, XXXX, XXXX and XXXX which is ruining my credit scores. 
Citi Mortgage has been heartless unprofessional and causing me a grieving in top of the my personal one and everybody need to know how unprofessional this company is
The loan servicer Bayview failed to prove that an alleged corp advance balance was left from the previous servicer XXXX of {$1300.00}, in addition according to loan terms these charges are not payable together with monthly payments, but at any time. Furthermore, Bayview has not rights to collect any monies from this loan. As Bayview stated in its response from my former complaint indicating that he is collecting in behalf of a XXXX XXXX that supposedly is the lender/creditor, but the mbs trust was dissolved on XX/XX/2008 and the investors were several times paid. Bayview is not the original lender neither the servicer to a loan that doesn't exist. Bayview as XXXX XXXX XXXX and XXXX XXXX have been and still are illegally collecting payments from a loan that they do not own. Bayview has not responded to my QWR and XXXX   XXXX XXXX has sent me a false fabricated mortgage note with robo signing which I'm sure also Bayview is planing to use if they finally respond to my QWR. As they did with the fabricated bills of the former so called servicer XXXX who also collected and charged a lot of money from us by playing tricks like XXXX  XXXX XXXX of stopping drafting the payments from my bank and then, charging us a lot of money in fees. Bayview had the auducity in sending today a bill of the illegal monthly payment and the so call corp advancement from XXXX calling it as, '' past due '' and payable next month as a total of {$2000.00}. I'm fed up with these people committing fraud by taking advantage of responsible elderly people.
As POA for my father ( who suffers from XXXX XXXX XXXX ), I am attempting to pay and close his overdue account at Citi. 
I've been given multiple fax numbers and mailing addresses, and after sending my POA docs a total of SIX different times, I am still not listed on the account, nobody will speak to me, and I can not get a final invoice to pay. 
Citi is making it impossible to pay a bill.
RE : Nationstar MortgageNationstar purchased my loan from XXXX XXXX XXXX and I have been nothing but unhappy. They are charging unnecessary late fees, that keep accruing because they will not accept any of my payments. I have requested a loan modification and I have to repeatedly resend documents I know they have received. When I call customer service they keep transferring me and I have left several messages for them to call me back. They have sent foreclosure letters but I can not get any one to answer my questions as to why. My home insurance company has stated they have n't received any payments from Nationstar.