WillisBack/dataset-financial-user-claim huggingface dataset:
Citi Bank partners with concerts that come up whereby you can purchase the concert tickets pre-sale if you have a Citi card. If you do not have a Citi card they direct you to an " Apply Now '' button which leads you to believe that if you are approved you will be able to then purchase the pre-sale tickets. Just to make sure I was n't mistaken on anything I went through the entire online process twice ... No where does Citi indicate that you will NOT be able to purchase the pre-sale tickets if you are approved until you receive their credit card which will take 7 to 10 business days. This in many instances is after the presale offer and then the entire transaction is moot if you have to purchase the tickets when they go on sale to the general public. I applied for the Citi card and delightfully I was approved. I searched and searched for a code or temporary credit card number so I could purchase the presale tickets. Much to my dismay ... I received nothing. I spent several hours on the phone with Citi to see if they could assist me through this process but the XXXX different people I spoke with could NOT help and said I must wait for the card in order to make the purchase. I believe that Citi should conspicuously display on the Apply section when trying to purchase presale tickets ... that IF YOU ARE APPROVED YOU WILL NOT BE ABLE TO BUY PRESALE TICKETS UNTIL YOUR CREDIT CARD ARRIVES WHICH WILL AT A MINIMUM TAKE 7 TO 10 BUSINESS DAYS. I feel this was very misleading and now I am unable to buy the tickets.
I have file a couple of dispute against a collection company, that were collecting for XXXX and won my disputes and it was remove off my credit report in collection. I do n't understand why is Enhanced Recovery Corp. is trying to collect on something that have already been investigated, solve and remove off of all XXXX credit bureaus. I have no agreement with Enhanced Recovery Corp or spoken to them on this issue. I like would them to remove this collection off my credit report or I will pursue a civil suit for harassment and for reporting false information on my credit report.
I disputed items on my report that were due to fraud and identity theft. The items were deleted and reinstated by a new collection agency months later after investigation concluded.
I was struggling to pay my student loans with Navient. I paid two payments to Navient with one being {$260.00} a month. I applied for some different repayment plans through Navient onXX/XX/XXXX I received a quote for a much lower payment plan and put in an application. On XX/XX/XXXX I got a bill for {$360.00} a month. I never signed anything agreeing to a new cost nor did I confirm I wanted that new monthly payment. Navient was incredibly vague and purposefully confusing on the phone. Navient said that the quote I received online is just an estimate and actual payments would vary. I asked why I was n't able to approve this change before they asked for higher monthly payments and never received a direct answer. I am baffled at the fact that I put in an application to lower my payments and they raised my payment without permission. had to spend a month trying to get my monthly payment back down closer to what it was. I got it down to {$280.00} a month and had to accept that was the best I was going to get.
I also received a correspondence saying : Unpaid principal balance {$40000.00} Unpaid interest to be added to the principal {$0.00} Estimated interest over the life of the loan {$44000.00} Estimated total loan amount {$85000.00} The fact that I will end up paying twice the amount of my loans by the time I finish my payment schedule is appalling, and I have two batches of loans with Navient.
I have been on forbearance several times but was never told about income-driven plans. I have missed important updates such as late fees and missed payments from previous ordeal due to Navient 's vague wording during communication and voicemails. These struggles are just the beginning of the issues I have had with Navient.
I still struggle to pay my student loans and now i 'm afraid to try to lower my bill again due to the sneaky way they raised my bill. Since then I have defaulted on my loans and we had to take out a home equity loan to pay our student loans. We hope to pursue legal action against Navient.
I was sent an alert from the credit reporting service that I possess stating that a change had been made on my report. I contacted both my attorney staff and the Consumer Financial Protection Agency and wanted to get the correct amount of money that I owed agreed upon to pay and this collection agency sent an incorrect amount to settle of {$270.00} approximately and I did respond until I receive a comply today with my attorney. The credit reporting from XXXX stated that {$400.00} was due yet not document proving the breakdown of this amount was ever provided upon my request and the attorney 's request. This collections agency Amsher has falsified my correct balance due. Today I actually the Amsher Collections Agency and they hung up on me XXXX times. I was trying to get an account number from them and I mentioned that the previous disrespectful agent hung up on me and then a male hung up on me because he did not give me his name.
I tried to make a payment on my XXXX 's credit card balance XX/XX/XXXX ( Due date ), but their system was not working. Finally, I was able to make a payment after a technician took a payment over the phone after the due date. And he confirmed me that they will take care of the the late fee since this is their website issue. 

But I still see a balance on my account and when I tried to solve it over the phone they were not able to solve it, instead they refer me me back ab forth with different agent and several minutes without any issue. 

Even till this day when i tried to see the statement I'm see a black screen with a busy sign ( please see attached )
Our complaint is that Wells Fargo did XXXX appraisals of our home, but have only shown us the second appraisal. We believe that the first appraisal reflects the true market value of our home. And, the second appraisal was used to support their inflated counter offer. Wells Fargo claims they can not find the first appraisal, even though this first appraisal was done at approx. XXXX on XXXX XXXX, 2015, by an XXXX named XXXX, who was hired by Wells Fargo. We find it highly unusual that they are unable to locate the first appraisal done XXXX/XXXX/15, and are only able to locate & share with us the second ( inflated ) appraisal done XXXX/XXXX/15. 
Here is the timeline : In XXXX of 2015, we made a request to Wells Fargo ( WF ) to do a short sale. 
XXXX XXXX, 2015-WF requested to schedule an appraisal of our house ( see screen shots of cell phone text messages ) XXXX XXXX, 2015 - XXXX did an onsite appraisal for WF at our house. Our agent XXXX was there with him ( see screen shots of cell phone text messages ) XXXX XXXX, 2015 - We submitted a $ XXXX cash offer to WFAfter WF saw this $ XXXX cash offer, they ordered a second appraisal of our home. 
XXXX XXXX, 2015 - WF did a second appraisal of our homeThis second appraisal produced a home value of $ XXXX believe this value to be significantly higher than the true value of our home. 
XXXX XXXX, 2015 - WF denied the approval of the $ XXXX cash offer & countered at $ XXXX this counter offer was made, the buyers pulled out of the transaction. 
We have requested to see all appraisals done by WFWF gave us a copy of the second appraisal only, of $ XXXX ( which was done after they saw the $ XXXX cash offer ). 
WF can not locate the first appraisal. 
We believe that WF is using the second appraisal to support both their denial of the $ XXXX cash offer & their counter offer of $ XXXX believe the first appraisal would be significantly lower than $ XXXX, and more accurate for the true value of our home. And, therefore, we would have multiple offers to submit as adequate back-up offers.
EOS CCA calls me every single day, sometimes multiple times a day. They claim I owe roughly {$35.00} and that they are collecting on behalf of XXXX. 

I did not trust it to be true at first, so spoke with XXXX and they have no record of ever passing my account on to this agency, especially since I am still a paying customer of theirs on auto-debit. 

I have asked them to stop calling me and continually block every number they call from, but still call from different numbers like I mentioned every day. 

They open the call by telling me that it will be recorded, and then say my name and try to confirm my address. I do not confirm my address with them, but it is very troubling that they have it.
I applied for a loan at springleaf finance and received an email that I was approved for {$5000.00}. Per the email approval it was only dependent in employment verification, income verification and identity. 
I delivered everything they asked for then was told I was denied based on credit. The email they sent was deceptive. As obviously they was some other criteria it was dependent upon. I am happy to provide the email approval and the other they email they sent stating it was based on credit. 
They were specific in their approval letter and I was denied based on something else. I find their actions deception and misleading.
there are XXXX bankrupties on my credit report. None which had been completed. I never went bankrupt. My house was foreclosed on. I filed but never completed the bankruptcy. They need to be removed from my credit report. It is ruining my credit.
Hello - I was directed here from XXXX to resolve this matter, though I 'm not sure I 'm supposed to be contacting you regarding any of this.. so I 'm sorry for wasting your time if this is not who I should be contacting. 

I recently made a purchase on Coinbase for the cryptocurrency ETH, and just a few minutes later I got an email saying my account was closed. After 4-5 days of emailing them to find out why, they finally responded saying that it was XXXX 's decision and they would not be supplying information as to why my account was closed. They also said they would help withdraw my ETH into a new wallet, but now have stopped responding to those emails. 

In a nutshell.. I originally tried to buy {$150.00} in ETH and {$150.00} in BTC from my XXXX XXXX Checking. Shortly after I got two separate emails cancelling both transactions. My friend told me the same thing happened to him, so he switched to try his savings account, and then it worked. So, I verified my driver 's license with the website, so my savings purchase limit would be raised from {$50.00} to {$250.00}. I then got verified, and bought {$250.00} in XXXX. Minutes later I received an email saying my account had been closed, and now here we are 5 days later, I have no access to my funds, and no one from Coinbase will contact me to explain any of this to me. All they said in a generic email, was that the decision was yours. 
my Coinbase account is under XXXX XXXX XXXX - XXXX - XXXX Please, help me if you can, thank you so much. 
XXXX
Mom ( XXXX ) has me transfer all her banking to XXXX XXXX  ( XX/XX/XXXX ) from Wells Fargo which include an IRA account With a maturity date of XX/XX/XXXX. My branch manager @ XXXX  & I filled out all paperwork, including POA verification- it was sent to Wells Fargo address on XX/XX/XXXX. 
XX/XX/XXXX, notified by XXXX that Wells Fargo sent paperwork back- transfer request had to be made on WF forms. Papers resubmitted. 
XX/XX/XXXX : still no word about IRA. Called XXXX IRA number on statement. On hold total of 2 hours. Agent explained problem was they did not have my POA. They never ask requested my POA, which is 12 pages long. Agent said no problem- Go into my local WF with my POA in hand & they would cut a check to XXXX  right there on behalf on mom. 
XX/XX/XXXX : Next day, went to local WF- told them why I was there. Branch manager wouldnt see me- sent me to employee who informed me that everything agent said was wrong. WF policy would not allow. Immediately sent copy of my POA via registered mail to XXXX XXXX- WF investment center . 
XX/XX/XXXX : confirmed POA was received @ XXXX XXXX via USPS tracking. waited ... .. no word. 
XX/XX/XXXX : Called local WF employee. He confirmed they had received my POA & check should be cut in 3 days. 
XX/XX/XXXX : I went to WF to find out why 3 weeks later my moms IRA was not at XXXX. 
Employee once again calls XXXX XXXX- gets run around- he has to escalate. No resolution. 
XX/XX/XXXX : went back to WF, now they say check cut in 5-10 working day. Totally unacceptable. Mom needs her money & we are tired of being taken advantage of. She is a very independent XXXX & I have just had to start helping her with her finances. Unfortunately I found out too late she was one of seniors that credit account opened for her by WF. That is why her WF bank employees were all new every time I took her there. 
I have just received word via phone that they have cut the check & MAILING it from XXXX XXXX to XXXX in Georgia. This is ridiculous that they can not transfer via wire immediately. Mom & I are both very upset. She is so glad she has moved her money out of WF. I dont  believe a word they say & its really scary to think of those seniors that bank with them that Dont have someone to look out for them.
I had XXXX XXXX XXXX with XXXX XXXX. On XX/XX/2017, I noticed an errors on my payment history and has not yet be resolved. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.
I along with my Realtor have been working with Green Tree Sercicing LLC ( " Green Tree '' ). now Ditech Financial LLC effective XXXX XXXX 2015. My house located at XXXX XXXX XXXX has been on the market several months, we requested and was granted permission to conduct a short sale. My Realtor presented seveal offers to Green Tree but they refused each saying they did not provide the level of funds they desired. My Realtor discussed options with me and I decided to pursue the Deed in lui of Sale if the final offer was refused by Green Tree. My Realtor conveyed this to the Green Tree representative, who did her best to support us. We then received word that Green Tree would pursue foreclousure procedings on XXXX XXXX and a decision was needed atleast 30 days prior to allow for the deed in lui of sale to be processed. My Realtor attempted several times to contact Green Tree to advise them of the decision to pursue the dead in lieu of sale but could not contact anyone ; she final got through on XXXX XXXX, XXXX day after XXXX ) and was told it was now to late to request a deed in lieu since it was inside the 30 day window. I spoke with the Green Tree representative and requested they reconsider since attempts were made to contact them prior to XXXX XXXX and they were closed on XXXX XXXX for the holiday. 
It is unreasonable that Green Tree would refuse to accept my request for a Deed in Lui with the rational that it was XXXX date late given the prevailing circumstance. I have made every effort to resolve this mortgage issue, I informed Green Tree that my hands have been tied and mitigation processes were not an option since I have a court order mandating the house been put on the market and any proceeds shared with my former spouse. I continued making payments on the house and maintaned the insurance even though I would not recoup any profits from its sale. I explained to Green Tree it did not make sense to foreclose on the property and they reap pennies on the dollar versus accepting the offers submitted or now the deed in lieu of sale. The Green Tree representative told me her hands were tied and the final decision rest with her leadership. I am sending a letter/email to her leadership asking them to reconsider but also need the foreclousure process to be pushed back to allow time for us to reconsider the options and come to some common level of understanding and agreement on the way forward. 
I am currently vigorously involved in yearend closeout with the United States XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina and have scarce amounts of available time to make personal phone calls regarding this matter. I need the foreclosure proceeding pushed back to allow me and my Realtor to work out reasonable options with the Green Tree/Ditech representatives. 

I can be contacted at XXXX from XXXX to XXXX daily and XXXX in the envenings. 

XXXX XXXX XXXX XXXX, XXXX
LOANCARE withheld an excessive amount in escrow for property taxes and has not refunded the overage to me despite numerous written and verbal complaints. After the purchase of my home XXXX XXXX, XXXX, an amount for estimated property taxes was withheld that did not include exemptions for XXXX, school tax and state age. I provided LOANCARE with a copy of the approved exemptions XXXX XXXX, XXXX requested a review and update of the amount withheld in escrow. They acknowledged receipt of my " inquiry XXXX but submitted no other response. Verbal follow-ups produced no results. I submitted a copy of the tax bill of {$850.00} to LOANCARE via their complaint portal for timely payment, an escrow review and the amount withheld in escrow updated. XXXX XXXX, XXXX LOANCARE acknowledged receipt of my inquiry. XXXX XXXX, XXXX LOANCARE notified my they disbursed {$3200.00} for property taxes. I called XXXX XXXX, XXXX and spoke to XXXX XXXX XXXX, provided my inquiry number and requested immediate correction. She apologized for the errors, explained the incorrect check was sent but they would submit a correct one, review and update my escrow and refund the {$3200.00}. She accomplished everything but the refund. I have been unable to reach her nor anyone in the customer service department.
I opened an account with Bank of America ( credit card with deposit\o of {$99.00}. I did a charge for {$40.00} dlls and statement showed additional {$39.00} for fees. I called them to cancel that account and thet only returned {$17.00} dlls ( check XXXX from their account : XXXX XXXX XXXX XXXX. 
I will appreciate to aske them to return my complete money back
First, the problem was not with XXXX XXXX XXXX, it was the seller ( Altisource ) and the Title Agency ( XXXX XXXX XXXX ). From the beginning I felt it was like a shell gave, every email was from a different person, based in XXXX, and the company name was different. I was scheduled to close on XXXX XXXX, 2015. Due to lack of response from the title company ( which I was forced to use due to the online foreclosure purchase process ) the settlement statement to XXXX for final approval was sent late thus missing the scheduled close date. The Close of Escrow was XXXX/XXXX/15 they did n't get the statement to XXXX till late on the XXXX. Then the loan docs were not received by the notary for my signing till XXXX on the XXXX. In the meantime I had wired my closing funds and XXXX wired the remainder of funds the same day. By the time they actually recorded the deed and closed the transaction it was XXXX/XXXX/15 six days late. Then they did not return my excess closing funds for another five days. Lastly, the costs the Title Company charged were significantly higher than the local companies charge. The inability of the title company cost me, they delayed my ability to move in on time, causing me to stay in a hotel since I had packed my belongings and was out of my apartment and I had to pay interest from the XXXX to the XXXX on the loan on a home that I did not own at the time.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
BMW financial services is reporting me 30 days delinquent for my  XXXX   XXXX    XXXX   payment. I made this payment and it withdrew from my account on  XXXX . Less than  XXXX  calendar days later. It was due on  XXXX  and posted to their account on  XXXX . There should not have been any credit reporting. This has dropped my  FICO  score significantly.
As of XX/XX/XXXX, my mortgage was transferred from XXXX XXXX ( " XXXX '' ) to Mr. Cooper ( " Cooper '' ) ( f/k/a Nationstar Mortgage ). Both XXXX and Cooper informed me that there would not be any changes to my account, including autopayment. That is, my mortgage with Cooper would be automatically paid on the same day as it would have with XXXX. My mortgage was always paid on the first of the month. However, when I logged onto XXXX 's website, it said that I would not have an autopayment until XX/XX/XXXX.  When I called, a representative was unable to tell me why this had happened, but said that I would not have to pay twice if I paid. When I attempted to pay online, it said that I was paying twice. However, no records of payment appear on either XXXX 's website or my checking account 's website. I am unable to pay my mortgage due to a glitch in XXXX 's system.