WillisBack/dataset-financial-user-claim huggingface dataset:
I bought a laptop from Conn 's in XXXX Texas in XXXX, with installments of {$47.00} a month. I went to their website to pay in XXXX and tendered the current payoff amount listed listed. About 6 months later A deluge of robo call and letters from Conn 's occurred, which continues to this day, saying that I owe {$60.00} + dollars further on the note. I call repeatedly to find out what this remaining balance is due to. I have sent the e-mail confirmation of my payment to the company as requested and no explaination is ever given. The harrassment continues. since I tendered the payoff amount for this note given by their website, I consider this purchase concluded.
DEBIT FOR CHECKCARD XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX NY Uncategorized - {$2700.00} {$280.00} I made a trip to XXXX, my homeland on XX/XX/XXXX. 
I was supposed to land in XXXX at XXXX XX/XX/XXXX. Due to a faulty plane on my correspondence in XXXX. i didn't make it until XXXX on XX/XX/XXXX. I made it home that day at around XXXX. 
On top of that, The luggage i received where all lost. I never got them. 
The luggage included toys for kids. 
I called the Airline company but didn't get any help. 
Given the fact that i had to pay extra for transportation and that XXXX was ruined. 
I demand a full refund and a letter of apology.
Navient is hiring part time employees and giving them access to sensitive information. These part time employees are then copying customers personal information and using it as a tool to threatened their customers. Navient have an employee by the name of XXXX XXXX who gained access to my information and informed me by reciting the last 4 numbers of my social that she knows my information. She also said that I do n't know what she is capable of. I have XXXX XXXX who lives with me and being that this person has gained access to my personal information I know feel that my safety and my daughters safety is in Jeopardy. I spoke to a police officer about my concern and was told that since does not fall under the domestic violence umbrella there is really nothing I can do which explains why I am reaching out to you for your assistance. Please help put a stop to this.
They mail some photo copies of some bill statements and i have ask more then once for them to send any sign paperwork to show that i owe the debt or that they even have any sign agreement with any creditor i still have n't received anything yet in 30 days.
I am a member of XXXX. On Equifax it states that I have an open account and XXXX closed account. I had only XXXX loan with them and it is now closed since 2013. Its showing on my Equifax that I have an open account. I want to dispute it but unfortunately the system can not find my file. Please help
On XX/XX/XXXX I faxed the property tax statement to Amerihome as requested loan XXXX, I was told they will adjust the escrow for the XX/XX/XXXX payment and I would get a call in 3 days about the change. I did not get a call. However I never get the accurate information from XXXX  since they took over the mortgage, it has been a poor relationship.

On XX/XX/XXXX I get my updated mortgage statement, and the escrow was increased. not decreased as expected they have {$2400.00} for property tax when the tax statement is {$970.00} for the XX/XX/XXXX year. I called and they showed no record of the statement, until I gave them a date when the fax was sent, and received. Then they located the information, again I was told they will do the correction and give me a call in 3 days. I told them I will not expect a call because I was told that in the past and it does not happen, I can not get any correct information in any matter with this company since XX/XX/XXXX of last year. There service and trust is very poor and disgusting.
I recently checked my credit report to see accounts that were fraudulent, and are reporting to my credit report as if they are mines. I reached out to XXXX, they placed a fraud alert on my report and stated that they would get them removed haven't seen any improvement, XXXX has inquiries and accounts that aren't mines as stated on my identity theft report like XXXX, XXXX XXXX, and XXXX XXXX, and 3 hard inquiries that I didn't inquire about. Experian has the same info reporting to their bureau as well.
I need to get a fraud alert -- that had been placed on my credit file by Equifax 4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 w eeks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my Equifax credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.  XXXX   XXXX  gave me the phone number to contact Equifax to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit repo rt ( not make any edits/remove fraud alert ). I called 3 other   Equifax phone numbers -- all went to automated systems with no option to speak with an Equifax representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for Equifax. I would like to get this Equifax fraud alert removed so that  XXXX   XXXX  can process my credit card application.
back in late  XXXX  early  XXXX  my wife and applied to refinance a home @ wells fargo in   XXXX   ohio. we were told all was approved and we had to just come and sign the papers, so we did. after we did the bank employee told us she would contact us the next day.we heard nothing and after several calls were told that we were not approved. after pulling my credit report several years later i found that a {$5000.00} credit card had been opened up in my name. it seems to have been paid for a few months and then not paid for a long time. now at is on my credit as pays as agreed but has been damaged my credit .i have just sent this info  XXXX  and i am waiting to hear back. i have not heard from wells fargo and i can not find the name of the legal team tacking care of this. any info on this would be appreciated. thank you.
request denied on XX/XX/XXXX by navient, I have balance of XXXX to pay I told them I can't they are not willing to help they say I have opened one credit card or excuses such as you cosigner didn't respond last year when I was approved for a year to pay XXXX a mont ratter than XXXX per month only because I threaten to sue them and told them I just won't pay now they give run around and tell me that I am denied I can't afford XXXX per month please help me or students like me
This complaint refers to the checking account with Wells Fargo opened on XX/XX/2016. This account was opened with the understanding that it is eligible to receive {$100.00} bonus after all qualifying transactions were made ( please see scans for details ). 
As pr requirement of this bonus offer terms and conditions, all qualifying transactions were made shortly after the account was opened. As of XX/XX/2016, no bonus offer was received despite the fact that I have tried to discuss this problem with various customer service representatives including from online department. 
Thank you for your help
I sent them a letter agreeing to a payment offer of {$110.00}. On XX/XX/XXXX, I received a letter saying they have sold the debt on XX/XX/XXXX to a collection agency named " XXXX XXXX XXXX ''. To top of it all, the debt has been sold for {$400.00}, which is almost 4 times their initial offer. This is the second time they sell this debt to agencies that have shown patterns of violating FCDPA rules. I need a clear answer as to how to settle this debt based on their initial offer.
my problems with phh mortgage corporation started over a year ago with them not being able to process late payments in a timely manner, giving me incorrect information on what was do and when, accepting phone payments that should have been credited to my account to then turn around and say sorry we sent a check back to you the XXXX check took 2 months to be returned to me the XXXX time it happened it took 4 months after them telling me on a monthly basis it was resubmitted and I should receive it soon. during this terrible time of dealing with their customer service and all the inaccurate information received from them I found my home in a active foreclosure status. in XXXX with the help of the great people at the Minnesota XXXX I was able to make a large payment to phh mortgage corporation that according to their customer service rep put my account completely up to date and that my next payment was due in febuary.even though my payment was much larger then what was due even after late fees were removed ect. I have requested a actual breakdown of what they credited the money towards but have not yet received a response. if it was not for the Minnesota XXXX contacting phh mortgage on my behalf none of this mess would have had a positive outcome. but my struggle with them is not over when I received my bill for febuary it was double what my normal monthly payment should be.i then discovered back in XXXX when I informed phh mortgage corporation that I was paying my property taxes myself the customer service rep told me not to do so I am sure what happened is they were planning to foreclose on the house so they paid everything because it served their needs best.i was given a phone number to liason to the president of XXXX mortgage who uses phh mortgage as their servicing agent to call her if I have any more problems, i have left her XXXX messages in the past 3 weeks and received no response. I do not trust them when customer service tells you different that what comes in the mail, when they tell you your account is current and up to date but its not, they tell you a check is in the mail and it takes 4 months to arrive and your given a number to contact to help make things right and she answers and never responds to a message
Bank of America solicits you for overdraft protection. Which costs me {$10.00} per month or so. Then, if Bank of America utilizes the overdraft protection from my savings to my checking account. They will charge me {$3.00} per transaction. So, they offer this service that we have to pay for and then they charge me to transfer the money. I have been charged for this service. How is this servicing the customers? This is ridiculous. We are losing money we do n't already have. This is a serious issue and I am not sure who all knows about this rip off.
Dear CFPB Officers, At XX/XX/2018, I received an official email from PNC bank, stating if I make two bill pays, I will receive a {$15.00} bonus afterward. I made the two bill pays at XX/XX/2018, but I still didn't receive the {$15.00} bonus until today. I have contact PNC bank multiple times, but the representatives only told me that I would receive the bonus soon, but they refused to investigate this issue from their end for me. So I sincerely request you to contact PNC bank to send me the {$15.00} bonus as I have completed the bonus requirement. I have attached the original email for your review.

Thank you very much, XXXX XXXX
Prior to the start of my loan repayment period I began to research repayment options knowing that I was not making enough money to repay my loans at the price it was stated for. Navient platforms themselves on their " plentiful repayment options '' to help to ease the process of student loans. Their website rather than provide facts suggests a phone call to the company. I called navient in XXXX 2016 to discuss my options. I was told that there was no discussion to be had about repayment options until after I became delinquent on payments. The representative then proceeded to imply that the only thing to fix the problem was to not pay the first repayment fee. Once I became delinquent I called the company again to discuss repayment options. I had been charged a late-fee. I was then asked to give my income/expenses and my co-signers income/expenses. I explained that my co-signer signed with the intention that I would be the XXXX repaying the loan as I was able to. Once the information was collected the representative told me that they were sorry that there is nothing that I could do and that I would have to come up with the payments or that they would begin to bill my co-signer ( who is retired ). I called the same representative back with my mother, who persist that we come up with some sort of option came up empty handed. When she asked to speak to his manager he said " Ma'am, our manager has directed us not to direct calls with this concern to her ''. For the past seven months I have made the payments with the assistance of my parents ( who are unable to assist and are not the co-signers ). I am at a loss of words for the lack of customer service and options available to young adults like myself that are trying to survive in an ever-evolving world that requires such expenses to make ends meet.
I am a very active XXXX XXXX XXXX XXXX widow who competes in national and international swim competitions with state and national records, paints, dances, does powerlifting, plays the piano and attends live performances of classical and contemporary music or opera about twice a week. 

In the interest of meeting a single XXXX with similar interests I met with XXXX of XXXX XXXX XXXX XXXX ( hereafter XXXX ) on XXXX XXXX, XXXX. After being assured that XXXX could do that I paid {$3300.00} to XXXX. That sum was charged to my XXXX XXXX card and appeared on that account on XXXX XXXX, XXXX. 

Sometime after that XXXX called and offered XXXX as a match. He was described as retired, educated and a good match for me as he likes to exercise and enjoys music. 

On XXXX XXXX, XXXX I met XXXX for coffee. I was shocked to learned that he was still married, is XXXX, likes solitude, his only exercise is walking and for music he had attended XXXX live jazz performances during the past year. XXXX spends most of his time babysitting a grandchild. 

None of this was disclosed to me before I agreed to meet XXXX. I do not date married men. XXXX holds itself out as a XXXX matchmaking service. I have in the past not dated anyone XXXX. This should have been disclosed to me in advance. XXXX interests and level of activity are no where close to anything that interests me. 

Since XXXX failed to perform I contacted it to cancel our agreement and request a full refund. XXXX refused. 

On XXXX XXXX, XXXX I sent a letter to Chase XXXX disputing the {$3300.00} charge on the basis that XXXX had not performed its obligations under the agreement. 

On XXXX XXXX, XXXX XXXX XXXX sent me a letter refusing to reverse the charge saying that XXXX had not promised a refund. I never claimed that XXXX had promised a refund. 

On XXXX XXXX, XXXX I sent another letter to XXXX XXXX pointing out, among other things, that I had never claimed that XXXX had promised a refund. I asked XXXX XXXX to reconsider its original decision and reverse the charge. 

On XXXX XXXX, XXXX XXXX XXXX sent a letter to me saying saying the charge was valid because we are unable to support that a billing error has occurred on your account. I never claimed that a billing error had occurred.
alittle over one month ago received a promotional offer from Bank of America to transfer money to my checking accoount at an annual  interest of 3.99 %. I called and spoke to representative who confirmed same and offered to trransfer money on the spot. I was required to listen to a confusing message and agreed. When I received my statement there was a charge of 13.49 % on the purchases that I had made the previous period. I called and they affirmed same ; I indicated that this charge was never explained to me by the rep I spoke to. They retorted essentially too bad. I then re read the offering flyer and it says that interest would be charged on purchases but not what the amount of the interest would be. Since I like many people pay their statement in full each month it would not be unreasonable to assume that this charge would not apply!! Wrong!! I believe this practice is tantamount to a predatory lending scheme to entice people to borrow money and be charged more than the offering rate of 3..99 %. Since I have another card I wil pay off early the current balance with money that I will borrow from my IRA and not use the B of A credit card ; however many people may not have another card to use and will be stuck paying this exorbitant amount!!
Problem : XX/XX/XXXX Wells Fargo took a full mortgage payment from my payment schedule to pay for {$40.00} short on my mortgage payment. WF kept that going until I was notified by mail my yearly escrow payment schedule and the payment to WF was adjusted on my end to pay WF the full payment. Once my Ch13 was discharged XX/XX/XXXX I was contacted by WF with a letter informing me I had funds that could not be released until I brought the account to full. WF began a full assult of phone calls asking for the balance be paid in full. WF stated on a phone call they would send me all the info of when this short fall happened and for how long ... papers never arrived. The other form of documentation she said she would send is a Cease and Desist for me to file against WF ... never arrived. I have since stopped taking calls from WF. Last month I went on line to find the start of the shortfall and did find the date and was going to download all the documentation however I was called to work and sad to say forgotten. Last week I attempted to log into my account and was unable to I attempted several times and still I was unable to log into it. I contacted WF directly and was told they have blocked my account due to this issue of non-payment. WF does not have the right to block me from my own documents.
In XX/XX/XXXX I received a promotional offer by mail from American Express for a Gold Delta Skymiles card. The promotion offered 60,000 bonus miles and was to end by XX/XX/XXXX.  The flyer I received was directed to me personally, as it contained my name and my Delta Skymiles number. Given that I was a frequent flyer on Delta, I responded to the offer and received my card in XX/XX/XXXX. 
The requirement to earn the bonus miles was to spend {$1000.00} within the first 90 days. I had done that by the end of XX/XX/XXXX. I have my XXXX statements that confirm this. By late XX/XX/XXXX, when I had not received my bonus miles I called XXXX  customer service. They assured me I would be credited with the miles, but it would take 6-8 weeks. I called again in mid-XX/XX/XXXX, well past the 6-8 week estimate and was again assured that I would get my bonus miles, but there was a problem between XXXX and Delta getting the data entered. I called In XX/XX/XXXX and got, essentially the same message. I was told at that time that a number of people were having the same problem with this promotion. 
In late XX/XX/XXXX, I called Delta and they connected me with XXXX   customer service. I was told that their records showed no promotion associated with my account, but they saw a note that detailed an inquiry they had made to marketing or some back office group in XX/XX/XXXX. The XXXX customer service rep said there was no record of any reply to that inquiry. He also said that all he could do would be to put in another inquiry. In XX/XX/XXXX, I sent a letter to XXXX  headquarters in XXXX XXXX, TX with most of this information, to include a copy of the promotional mailing I had received. I've had no response.
I have been in contact with the mortgager, LoanCare. I had a loan modification and lost it because the XXXX took a double payment in XX/XX/XXXX causing my bank account to be overdrawn through no fault of my own. The mortgage payment bounced and I was taken out of modification. I re-applied and was denied on XX/XX/XXXX. I did not receive notification until XX/XX/XXXX. In the meantime my home was placed in foreclosure on the day of denial. 

I have been in constant contact with them. Never refusing phone calls or messages. I have since gotten a part-time job to supplement my Social Security and able to make the loan modification payments. I want to retain my home. My children grew up hare and I want to keep their place, They occasionally visit
This debt collector is calling my father and other family multipme times, whom I do n't have a relationship with and is disclosing embarrassing and defaming debt information as well as personal information about me. They are making it clear to my family that they are trying to collect a debt. I also just checked all XXXX of my credit reports and I do not have any Admin Recovery accounts on any of them. I do n't know who they are or why they are harassing me and my family. In the attachment that I added is a voice mail from one of their many phone calls which makes it clear that they are collecting a debt and they are also disclosing personal information about me in the phone call.. They can be calling anyone and disclosing my information. This is unlawful and unacceptable
On XX/XX/2017 my credit was reflecting this item was removed from my credit report. It has recently been added again after being removed.
I was at my XXXX was XXXX and my bill was high, they offered me carecredit company they said to me it 0 interest for 6 month and i did signed up. 
I was making payments every month but wasnt enough to finish all the amount i took from the card. 
After the 6 month 0 interest pormotion finished the company has charged me over XXXX dollars almost XXXX for the first 6 month which is the pormotion period. 
How come its pormotion and 0 interest and now they say cause i didnt pay in full before 6 month they charge me past 6 month which should be 0 interest. 
They scame they didnt explain this when i signed up for this card.
Ref : Fifth Third Bank Auto Loan Discrimination I financed a XXXX Chevrolet Impala from XXXX XXXX XXXX XXXX through Fifth Third Bank on XXXX XXXX. I felt at the time that the fair market price was not accurate but I needed a car. I felt victimized until I saw this story : XXXX
I was recently set up on a repayment plan for my loans. I was paying {$340.00} a month. This amount was evenly distributed throughout all of my loans. For the months of XXXX, XXXX, XXXX and XXXX my payments were not processed. I had the money to pay the loans every month. I did not recieve not one call from sallie mae in these four months stating my payment was being rejected. On XXXX XXXX I recieved a call from a woman who informed me of this. She said if i didnt pay the months that were not processed which was about {$1000.00} by the end of XXXX I would be kicked off of the program. I was not given a second option. I set up a payment for XXXX XXXX, for the {$340.00} amount. She informed me if i didnt pay an additonal {$340.00} in XXXX I will no longer be under the program. I called this morning XXXX to resolve this issue. I was transfered twice spent 27 minutes on the phone and most of which my time was spent on hold. People kept transfering me to someone who can " help '' and I didnt get any answers. I need to resolve this as soon as possible.
Western Union took { $540.00} out of my bank account via debit card hack by a scammer/hacker under the name of "  XXXX   XXXX  '' ( that 's not suspicious!! ) even though this name in no way is similar to my own name. And then upon being notified that it was a fraudulent charge and was still pending on my bank account, they refused to cancel it or reverse it.     {$540.00} on  XXXX / XXXX / 17