WillisBack/dataset-financial-user-claim huggingface dataset:
I have been receiving on average 15 calls a day from a number XXXX, which is a company called Diversified Consultants. I finally answered to see who was calling. The person stated only my first name and said they did not need to state my last. They informed me I owed XXXX for a XXXX XXXX XXXX bill. I informed them that I have never had an account with XXXX  XXXX or XXXX, and the only time I lived in a region that may have offered that service was in XX/XX/XXXX,  although I know I selected XXXX XXXX and I had paid all of those bills. They stated no matter they wanted my SS # and Banking Information to resolve the issue. I stated it is not my debt and if by pure chance I did have an account with them in XX/XX/XXXX, I filed BK in XX/XX/XXXX so it would have be captured during that process, which was completed in XXXX, TX. 
They stated they wanted to be paid, I asked for them to verify the date of service, and to mail me verification of debt, which they hung up. I continue to get calls from this place, they have stated on another call that they will start placing credit reporting on other accounts ( do n't know of what that means ) on my credit report unless I agree to pay the 900 plus fees. I blocked the number as of now since they continue to call.
I opened a Bank of the the West account. The account came with a promotion. The promotion was get {$100.00} for setting up a qualifying direct deposit. I have received that promotion. The other promotion was, " get {$50.00} for making XXXX debit card purchases each month for 2 months. '' I have met the terms for the {$50.00} promotion and have not received the promotion that I am entitled to. I want the {$50.00} that I am entitled to that Bank of the West has not given me.
After I returned my leased car with US Bank on XX/XX/2018, I was charged {$370.00} for a missing key fob. It's for a XXXX XXXX XXXX XXXX contacted XXXX and was told that it'd cost {$230.00} to replace a key fob including programming. I then contacted US Bank to ask them to explain the discrepancy. The representative told me that's the " market pricing '' for key fob replacement but couldn't explain what exactly the market pricing was based on. It sounds to me they are making a profit of {$140.00} off that single key fob, assuming they are paying the the price that XXXX quoted me.
On XXXX XXXX 2015 @ approx. XXXX pst, I went to the XXXX located on XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX for an ATM withdrawal. The ATM gave me an error message of " unable to process request '' and gave me XXXX options- try new transaction or give back card, knowing what my true balance was I knew this was a mistake so I opted to try new transaction and received the same message " unable to process request '', so I decided to press the " give back card '' option and go to the XXXX XXXX on XXXX XXXX XXXX XXXX XXXX , NV ( Note : My Bluebird American Express Prepaid Credit Card is through XXXX ). I went to the ATM machine at the XXXX XXXX and it was out of service so I then asked a XXXX employee if the Bluebird card allows me to do cash withdrawals at the XXXX XXXX, the XXXX employee stated yes, so I swiped my bluebird card on the keypad at the register and the XXXX employee asked how much I would like, I stated " XXXX '', the XXXX associate received an error message of unable to process transaction error message, so she asked me to swipe my card again, so I swiped my card per the XXXX associate request and received the same error message " unable to process the request '' so I asked can we do a balance inquiry, she said yes and balance inquiry stated I had XXXX, prior to going to the ATM I had just checked my account and had a balance of XXXX, so I went back to work since I was on my lunch hour, logged into my account and it showed I had a ATM withdrawal of XXXX on XXXX XXXX 2015 Transaction ID # XXXX, I grew very concerned with this information since I cane to work at XXXX and work nights and sleep during the day and I am VERY detailed and diligent with my finances, I contacted American Express at their Customer Service # ( XXXX ) and spoke with " XXXX '' at approx. XXXX PST on Tuesday XXXX XXXX 2015 who confirmed that they had showed in their system that the ATM did NOT give me the funds and that " I '' the customer would need to to write a letter to an address that she was going to provide ( which is also can be found at bluebird.com ) and American Express would investigate further. I then requested to speak with a supervisor who left me on hold for an obnoxious period of time which at that point I disconnected the call because I was at work and decided to file a complaint.
I have a very old debt from 2012., was very sick., XXXX XXXX XXXX in and out of hospital. my roomate used my credit card and Id while I was in the hospital., XXXXXXXX XXXX card XXXX, I filed a fraud alert., Winn Law group in XXXX Ca . wants to sue me I am on XXXX low income. Winn Law group keep sending me nasty letters
Effective XXXX/XXXX/16, XXXX XXXX XXXX XXXX XXXX XXXX ) sold my mortgage to BSI Financial Services.I made my XXXX 2016 payment of {$880.00} to XXXX and they notified me that my loan adjusted effective XXXX/XXXX/16 to 3.50 % and the new payment would be {$980.00}. As of XXXX/XXXX/16 BSI is charging me {$1500.00} ( with the 3.50 % adjusted rate ). I have contacted XXXX who said that the {$980.00} amount is correct. I have contacted BSI repeatedly and they said that they are working on the paperwork and the correct loan payment amount. My concern is that I will be charged late fees and that the interest rate will change. Today is XXXX/XXXX/16 and BSI has still not resolved this issue.
I was in the process of a refinance with Freedom Mortgage and did not receive my Closing Disclosure within the required waiting period. Rather, received a back dated CD the day before I was supposed to sign my loan docs. The impound account, monthly payment and credits applied to my " no cost loan '' were all incorrect. I did not have enough time to get this resolved before my signing, so while signing loan docs, I made the handwritten corrections and initialed my docs. Also at the time of signing I receive a disclosure dated XXXX/XXXX/16 which I had never seen before, but no corrections were made to this XXXX either. ( This document is attached to the complaint ) I was advised to sign a disclosure that I had 3 days to review my CD, when I had n't. When I called to follow up and make sure the corrections were made to the file on their end, they advised me that they would just fund at the wrong amount, even though my docs contractually agreed to a different amount. After I finally spoke with someone who was able to make the corrections and void out the signing, I did not receive any follow up disclosures to review before my other signing was scheduled. Rather, again, a signing was scheduled before I had any CD to review. Again, terms of the loan were wrong when I would call in to check status of my CD. Loan amount was wrong and they were applying an escrow credit from my current loan to closing costs, which I repeatedly advised I DID NOT WANT. Rather than using money I had already paid to my money from my escrow account to credit this loan, I wanted a higher loan amount so I would have that escrow money available to pay my supplemental taxes when those were assessed by XXXX XXXX ( new construction home not yet assessed ). Long story shorter, the day before my signing I was again promised a revised XXXX but before I received anything I got a call from the processing manager advising the closing would not happen due to a subordination agreement that had not yet been received or even ordered. They had found out the information one week prior and had not brought it to my attention. I requested to cancel my loan on XXXX/XXXX/16 and that was never done. I received a phone call on XXXX/XXXX/16 requesting to reschedule my signing. My request was never submitted and my account remained open despite my very clear request to cancel all proceedings. 

Also, whenever I tried to contact my LO ( XXXX XXXX, XXXX ID XXXX ) I was never able to get in touch with him. I would get an automated response when I emailed and transferred to different departments with different customer service reps, none of which could answer my questions. .I was completely out of the loop and would have like to have a contact to assist in this process, which I thought the Loan Officer was supposed to do. Horrible customer service and completely out of compliance.
I have been a victim of the Equifax hack. I went through their site to see if I was affected, and it said I may have been.
I understand that Equifax was also a victim in this attack, but there is only one way that over 140 million people could have been affected : negligence in regards to security and storage of highly sensitive personal data.
As an additional layer of negligence, they should have informed the public much more quickly instead of waiting more than a month after the breach happened.
Dear officer, First of all, thank you for your time on this issue. I got a mail-in offer from Citi bank XX/XX/XXXX with a promo code " XXXX '' to get XXXX XXXX XXXX miles. Then I went to one of the Citi local branch to open a Citi gold checking and saving account with that mail-in offer presented to the banker, but I am still having issue to get the promotional XXXX XXXX XXXX miles. 

I have communicated back and forth to more than XXXX different customer service reps at Citi bank, all of them confirmed that I will receive it by XX/XX/XXXX statement billing cycle, and I even got charged the monthly fee for waiting this long. Meanwhile, XXXX of the reps helped me to do a promotional investigation. On the first investigation on XXXX/XXXX/2016, it says " We have confirmed that your account has met the necessary requirements to qualify for Promotion XXXX. '' Which will get me the XXXX XXXX XXXX miles. But the XXXX investigation on XXXX/XXXX/2016 says " After reviewing the account records, we have confirmed your account is eligible for Promotion XXXX. A credit of XXXX ThankYou ( R ) Points will be applied directly to your ThankYou ( R ) Member account within 30 days. '' It was very unprofessional of Citi Bank and disappointed to see the XXXX research have a different promotion code other than the one " XXXX '', which I presented the promotion mail offer to the banker when I first opened the account. 

Then I contacted Citi back and forth for another 3 or 4 times and the case is still not resolved. I did see there is a XXXX thank you points deposited into my account. BUT, this is not my problem, my problem is I used the mailed in promo code " XXXX '' I got from Citi in my mailbox to open my Citi gold account in order to get XXXX XXXX XXXX miles. It was very unprofessional of Citi Bank to use the wrong promo code. The first research result I got on XXXX/XXXX/2016 and several customer service reps ' notes on my account confirm that I use promo code " XXXX '' to open the account and has met all the requirement. 

I have been waiting for Citi to give me results as the customer service rep filed another internal case for me. But somehow, my entire checking account got closed on XX/XX/XXXX without any notice from Citi bank. I found it out because that I have a foreign wire came in but got returned, I got a call from the sender to let me know the wire was got rejected due to the account was closed. Then I called Citi bank to ask why my account was closed, the rep told me it was inactive and got closed, which does n't make any sense. I even got charged for the return wire fee. 

And I am running out of patience to wait for another investigation since I really need to use the XXXX XXXX miles to book a family trip. I just want to write to express my deep frustration and concern about the customer service and marketing team 's quality at Citi bank. 

Thanks again for your time and have a great day! 
XXXX
My loan was sold ( again ) and serviced by Loan Care. This company is a nightmare, it is supposed to be a servicing company but they do n't provide any service. Recently I tried to log into my account to retrieve my statement ( I had signed up for online delivery ). Password resets and emails did not work so I called during the day. After significant attempts to reach someone ( there 's no option to talk to anyone ) I find out that their recent update made their website incompatible with XXXX. All the customer service rep would say is that I have to access through a PC. And his only solution was to email me my statement through unsecure email. He hung up before I could have the delivery changed to mail instead of a website I ca n't access. There was no mention of when it will be fixed nor any genuine concern or apology for their errors.
Please I need help. I do not know what more to do with this creditor. I have sent numerous letters to them, also to all XXXX credit firms asking for a VALID DATED SIGNED PROOF that this account belongs to me. Since last year I found this on my credit report. So since XXXX of 2015 I have been asking them for a copy of a signed contract by me and dated. all they do is send me only once a little letter stating " yes this account is yours '' that 's it. I go back to them again and again telling them enough is enough, send me the valid proof of my signature dated of when they opened this account. NOTHING! I am tired of spending countless hours - paper, money on this. My last line of defense are you guys, please help me. Ask them to send me a copy of the " SO CALLED CONTRACT SIGNED BY ME '' who I did not authorize this account. And if they say I did where is my signature opening this account???? NOW!!!
I was making donations on-line on Giving Tuesday, XX/XX/XXXX, from my Bank of America checking account. Bank of America put a lock on my account for " suspicious activity. '' I then unlocked the account to make further donations. I just noticed today, XX/XX/XXXX, that Bank of America deleted some of my donations ( they deleted the transactions from my account ) with my authorization or knowledge. I had more than sufficient funds to cover the donations ( my checking account balance after all donations would have been in excess of {$2500.00} ). What the bank is is illegal.
I was working with " relationship manager '' to see what options, besides forclosure, we qualify for. We Qualified for a Short Sale or Cash for keys. After My wife and I received promotions and pay raises, my " manager '' recommended we resubmit for Modification. He told me if we did not qualify for Modification, we would still get the same XXXX offers ( Short sale etc ). I have since been working with an Authorized 3rd Party and have been reassigned to a new " manager ''. My Authorized Party has a direct contact with Ocwen ... I Have been sending in ALL items they have requested, and was told by 3rd Party my case is under review ... meanwhile, they have set a sale date for XX/XX/XXXX ( XXXX Weeks ). In addition, now my " manager '' will not respond back to my Authorized 3rd Party. According to her, They have everything they need ... she and I are very frustrated ... She ( XXXX party ) said they are not following procedure by not contacting her back and/or including her in this process. She recommended i file a complaint ... i have also had other situations with them. I have sent in multiple items such as pay stubs for myself and my wife, along with P & L statements for my self employment ... I had written letters of clarification for each of those items, only to find out XXXX weeks later, when i have a scheduled follow up call, that they need clarification on the items ... I would resubmit clarification, only to find out XXXX weeks later, they still need clarification ... .I have felt like they are just trying to make me give up and lose my home ... If this happened to less tenacious people they would have given up ... They have wasted time multiple times, when I do n't have time ... now I only have XXXX weeks left and they are playing this " not contacting my 3rd party '' game that could cost me my family 's home ...
I have XXXX private loans with Discover Student Loans, I am scheduled to go on XXXX leave next month, and will be on leave for XXXX weeks. I asked that my payments be temporarily placed on deferment due to the change in my pay. Unfortunately, I was told there were no options to be offered. That I would continue to be responsible for the monthly payments. I have consistently made my payments on time for the last six years. This situation will create an unnecessary burden and stress to an already difficult situation. DSL failed to provide any options and their customer service was subpar. I have never encountered such an impossible situation with a lender. This is an extremely difficult lender to deal with. My experience with them has been plagued with issues.
I have received numerous calls from this company and they never left a message until today. I returned their call as at this point I was curious as to how they had my phone number.They were inquiring about my neighbor ( which we do not speak to ) saying it was a personal business matter. I have n't spoke to my neighbors in over a decade. they said they had me listed as an associate i.e. living with them. This is Pioneer Recovery and they DID NOT and DO NOT HAVE BUSINESS WITH ME! I am on the DO NOT CALL REGISTRY. They were just fishing for information and they made it sound like she was in dire trouble and that her husband could n't know. Well, they did n't get any information this time. This is deceitful and quite frankly a waste of my time. This has nothing to do with me.
I checked my credit report on transunion and had An unauthorized hard inquiry from XXXX XXXX on XXXX XXXX, 2015. 
Their address and phone number is : XXXX, MN XXXX XXXX
Stated that it was correct, even though I called the original creditor and they said that it was never suppose to be on my credit report. I am lost and confused. I just do not know what to do.
After working unsuccessfully with my mortgage company, GMFS, to resolve an unexpected increase on my monthly bill, I filed a complaint with the CFPB. The response from the Chief Compliance Officer at GMFS was inaccurate. When I called SXXXX XXXX XXXX, the GMFS partner servicing my loan, to try and resolve the issue that way, I was provided with more completely inaccurate information.

1 ) In the attached response from GMFS Chief Compliance Officer, a monthly increase of {$270.00} is noted. The actual monthly increase is {$470.00}. The previous monthly billing statements were for {$1200.00}. The attached billing statement provided to me via CFPB complaint response is for {$1700.00}.

Further, when I called XXXX XXXX XXXX to inquire, today they told me over the phone that my XX/XX/XXXX statement is for {$1200.00}.

2 ) My local property taxes have increased by {$1000.00} annually. Even with a XX/XX/XXXX escrow shortfall of {$600.00} and XX/XX/XXXX escrow projections to account for the {$1000.00} increase, that should not equal {$470.00} per month for 12 months.

3 ) The attached CFPB complaint response letter shows an increase in my mortgage insurance. I have repeatedly requested -- in writing and via telephone -- for documentation from GMFS and XXXX XXXX XXXX  showing why mortgage insurance is required. This loan closed previous toXX/XX/XXXX I have greater than 22 % equity in my home, and all payments have been made on time. I do not believe GMFS should be charging me mortgage insurance at all, and would definitely want documentation to substantiate an increase.
This company representing XXXX XXXX XXXX allowed a fraudulent renter continue to live I need a unit using my SSN ... even though I called them to ask ( several times ) if my SSN was being used. They ( XXXX XXXX reps ) told me several times that the SSN I was giving them was not the one they had on file. A year later I was applying for a pre approval for a home loan and Hunter Warfield ( the collection company ) had placed the apartment on my credit for $ XXXX. It was on my credit report for 6 months before I found out!
I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX XXXX, the account is also reported duplicate. The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Bank of America closed my account on XXXX/XXXX/2015 and never informed me. My statements, both paper and electronic, do not reflect a closed status, and clearly indicate that I have available credit. If an account is closed, then there is no credit available, and the statement should list {$0.00} as the available credit. I would like the CFPB to either force BofA to issue accurate statements, or reinstate my card to a status that matches the statement.
On XX/XX/2018, I received a XXXX title loan from Lenco Finance. Extra charges were applied for credit life and accidental death insurance ... I asked if the loan was paid out early if I would be penalized. The answer was no and I would get credit for the unused portion of insurance. On XX/XX/18, 5 days later, I called for a payoff. They gave me a total of XXXX. I questioned the amount being so high and asked if I was getting credit for the 2 insurances they added to the loan and was told I was getting credit. I called the insurance company to inquire on what the refund would be and was told that I had to request a cancellation through the loan company and they would reimburse me the money. I called Lenco and asked for a printout that showed a breakdown on how they were calculating the payoff amount and was sent a printout that only showed the amount of XXXX as payoff. No indication of how this amount was calculated. I know it was a high interest loan but I knew I would be paying the loan off early to avoid the high interest charges. I understand that I incurred some fees but do not understand how they calculate that I owed them XXXX for a XXXX loan that I paid off in 5 days.
i am XXXX XXXX, XXXX claim on my account {$3000.00} and inform the credit bureaus long time before and after i call in XXXX /2017 regarding this is a false claim, then they respond me that the claim will resolve and it is a false claim in your account, so we will remove in 30 days and informed the credit bureaus and remove from your account.but as of today they did not remove from my account.and when i call they says again to wait 30 days from today. but i cant beleave that they can do that. they are playing with my credit from last one year. the claim no on XXXX # XXXX.
Tried to get a loan modification with OCWEN. They assigned me to a " Relationship Manager '' outsourced to XXXX. Could n't speak/understand English. He ( apparently ) wrote that I denied the loan mod. Spoke to someone in USA, he gave me " Ombudsman '' number & that someone was always there. He said I was n't allowed to request one person handle my case and that they be in my country of origin, the USA, that " it 's their rules and they follow them. '' Called Ombudsman dept, got recording, left message. Called " Escalation office '', left 4 messages. I have until Friday XX/XX/2016 to decide if I accept their terms for loan mod ( which is more than double what I 'm paying monthly now ), without which would be triple what I 'm paying monthly now. I 'm XXXX on SSI and can barely afford what I 'm paying now. OCWEN is the company that took over my home equity line of credit from IndyMac when they went under, and they are calling it a XXXX mortgage, which it is not. They 've already threatened foreclosure, even though I 'm not behind on payments. I ca n't believe they outsource all their loan officers to XXXX, with poor telephone connections and no callbacks.