WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed a merchant charge on XX/XX/XXXX for {$1900.00} transaction date XX/XX/XXXX. The merchant failed to honor the contract to install a custom sliding glass door, leaving it installed incorrectly, incomplete, and unwarrantable. The merchant 's would only agree to fix and " reinstall '' the door, which is not warrantable based on the manufacturer 's warranty. I submitted ample documentation supporting this fact, and that the door is completely worthless to me and the amount should be charged back. I received a letter from Chase dated XX/XX/XXXX stating that their investigation learned that the merchant provided the product/service for which I was billed ( which is not true ) and that they considered the charge valid. This was the only explanation provided. I contacted Chase Cardmember Services and spoke with employees and supervisors for about 45 minutes. They could not answer any of my questions about the reasons that they did not advocate for their customer ( me ) over the merchant. All they could say is that the dispute had been closed, could not be reopened, and I could resubmit another dispute. I explained that resubmitting the same dispute would be counterproductive and could result in the same outcome. I told them I needed them to provide more specifics so I could understand why they did not advocate for my position, and provide any additional information to support my case if I had to open a new dispute. I also told them that I was dumfounded that they did not give me an opportunity to rebut any information they received from the merchant ( who has a history of lying ) before they closed the dispute against their good customer ( me ). The supervisor told me that they would send me a letter outlining the specific reasons that they did not advocate for me, along with any information received verbally or in writing from the merchant. It has been 4 weeks and I have not received anything. I also went to my local branch manager and they could not help me. They told me they reported this to the Chase executive office in NY, but I have not heard anything from them. I 'm hoping that a CFPB complaint will compel Chase to respond to their customer 's concerns.
I applied for a personal loan through LendingPoint LLC. I was notified via email and phone by their employees that I was approved for the loan and I was instructed to send in a paystub, bank statement, voided check for direct deposit, and a copy of my ID. After I submitted these items I received an automated email shortly after stating that they would not be able to grant me the loan that they stated that I was already approved for. 

I called the employee whom I was working with directly and they gave what may be a valid point about some negative items in my bank statement. But I was told that I was approved for the loan, not that I had to submit further paperwork to be approved. 

This to me is deceptive and misleading, and I was caught by surprise. I had already begun to make plans to use the funds that I was told that I was approved for, only to be told by them that they would n't grant me the loan. Maybe they tell customers that they are approved, when really they are n't yet, so that the customer will stop shopping for loans and go through them for the loan. Either was I feel like I was mislead, and I gave this company all of my personal information.
This account is mine and all XXXX reporting companies took my good standing credit off. 
Without my permission so please could you have them to put it back. XXXX.
XXXX has almost {$1700.00} on my account but has no idea what address ( es ) it came from nor can they give me a time period due to them " switching over '' to a new system. This issue has been going on for 5+ years and no one from the company has attempted to help me with the issue and it is messing up my credit because Solomon and Solomon ( collection agency ) is constantly reporting me to the credit bureaus. I 've only had an account with them for 3 months and those 3 months was paid off 3 years ago.
Have received Notice fr om Municipal Services Bureau rega rding a claimed amount owed for a parking ticket for vehicle that does not belong to me. The earlier debt collector was advised that the ticket did not belong to me and  now Municipal Services Bureau is  attempting to collect {$220.00 } (  Claimed date -    XXXX   XXXX  2016     ) from me for a debt that I do not owe. And, in the Noti ce, Municipal Services Bureau fails  to advise of my full rights as a consumer.
On XXXX separate occasions with fedloan I was granted a retro forebearance however they have continued to report late payments to all XXXX credit companies which is destroying my credit and making it impossible for me to gain access to lines of credit and housing.
I Mailed A Mult iple Inquiry re moval letter to Equifax on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They Received my letter on   XXXX   XXXX   XXXX   and " completed '' my request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  hard inquiries That are NOT factual, Unauthorized and fraudulent ( as I have now placed a fraud alert and security freeze on my report for unauthorized use of my info ) and yet I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access, if you believe this was unauthorized contact the creditor ''. According to the FCRA rule s, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, The credit reporting agency must delete the disputed information from its files. The fact that I received a response 2 days after their receipt of my certified letter, you can assume no that they did not actually investigate the matter as required by LAW from them under the Fair Credit Reporting Act. I plan to purchase a home this year and having this many hard inquiries on my credit report displays as a sign of financial trouble and that is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the hard inquiries that DO NOT belong to me. I did not sign for anything and I do not have accounts with these creditors. This is unfair practice by Equifax with no concern for my credit worthiness as a consumer and a clear violation of my legal rights under the FCRA. The following inquiries are the ones being disputed.        XXXX   XXXX     XXXX     XXXX   XXXX      XXXX      XXXX   XXXX   XXXX     XXXX     XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX     XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX    XXXX   XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX     XXXX
I have had problems with this company before, trying to collect and debt they say I owe to XXXX XXXX but XXXX tells me I do not owe, I have {$0.00} balance due. I filed a complaint with CFPB before, and Midland responded via CFPB that they did not contact me, and that they do not collect medical debts. But I had proof of phone calls from XXXX on my cell phone from their company. Sometimes they call 2-3 times a day.
I have requested my mortgage company, Stonegate Mortgage, terminate my PMI multiple times as we are below the 78 % LTV that is required. 
Everytime I call, they tell me they will the next month and it does n't happen. 
We hit 78 % LTV in XXXX 2017.
Hello, I currently hold a Chase Freedom XXXX card, which offers rewards on general purchases at a rate of 1 %. Sometimes, though, Chase offers a 5 % reward on certain categorical purchases. From the months of XX/XX/XXXXthrough XX/XX/XXXX, it offered 5 % cash-back on gas-station purchases. 

On XX/XX/XXXX, I purchased a {$200.00} gift card at XXXX, whose primary form of business is the sale of gasolines. Indeed, I have earned 5 % rewards at XXXX through Chase Freedom before, when Ive purchased gasoline at their pumps. This time, however, Chase assigned me only 1 % for the purchase. 

When I asked Chase to explain why I earned the lower amount ( rather than 5 % ), several Chase customer service agents told me that gift cards are not included. That would be sensible, except that they have been unable to point to any language in the credit card agreement that would support their conclusion. When I pressed them, they repeatedly quoted policy and ultimately shared with me the following : What types of merchants are in the 'gas stations ' category? 
A. Merchants in the gas stations category sell automotive gasoline that can be paid for either at the pump or inside the station, and may or may not sell other goods or services at their location. Please note that some merchants that do not specialize in selling automotive gasoline are not included in this category ; for example, truck stops, boat marinas, oil and propane distributors, and home heating companies. 

The language is available at : https : //www.chase.com/index.jsp? pg_name=ccpmapp/shared/assets/page/Online_Rewards_FAQ The above language, however, does not dispose of the matter. It merely defines merchant, which would include XXXX as a gas station. When I wrote back and explained that to them, I added that that I was frustrated by their inability to show me any language that supports their position. I then was told not to write them again. Instead, they want me to begin the process over again by calling into customer service ( despite that I had already spent time writing and responding to several emails ). 

At this point, my main complaint is that Chase is not fulfilling its promises regarding my card. If it has legitimate reason for not applying the 5 % cash-back rewards, it should point to the appropriate policy language. It has not done so. I fear it is engaging in a bait and switch tactic. Perhaps they are doing this to many other unsuspecting customers. 

Please help. 

Thank you, XXXX-XXXX XXXX XXXX-XXXX-XXXX
My complaint is on Experian. My husband and I have been working on our credit for awhile now. We have spoken with credit experts and have been doing all of the things we can to help our score go up. We are trying to buy a house we have been since before the housing bubble popped. Our credit took a nose dive after 2009. But we 've been working on it, like I said. My husband 's score has been going Slowly up for months now. Mine have also Except for Experian 's. I called and spoke to Experian for 3 HOURS trying to find out what I could do to raise my score even ONE point. They explained to me that they do n't have any type of record in what my score has been. That the only way they could help me is to buy their membership. I did and they still would n't tell me things like what can be done to help my score. They would n't tell me or send me information on the formulae to which is used to come to my score. 
Now I used more than 30 % this past month for XXXX and I 'm still paying everything, yet Experian sent me an email stating my score had DROPPED 29 point, ..29 POINTS?!?! When I worked for months monitoring and paying and keeping low balances and my score did n't move a SINGLE point! 
FICO is supposed to be a part of the FAIR Credit Act are they not?! How is it FAIR credit scoring when there is NOTHING I could do to make my score jump UP 29 points in a single month but it 's completely possible to jump DOWN 29 points in a single month ... and Did?? 
That is NOT Fair Credit Scoring! 
As Americans we trust that our governtment, especially when they are supposedly monitoring for fairness, that they ensure that Fairness! 
My husband and I are good people. We do n't mind playing by the rules. We are hardworking American citizens and we deserve to just be treated fairly to the rules we follow, ourselves. 
I am sending a copy of this to my state representative, as well.
Wells Fargo Home Mortgage has not provided any reason to why an California All Purpose Document why it was sign by a notary that states I personally appeared and as self but a Notary sign my signature. Wells Fargo Home Mortgage has not explained to why the document was sign by a notary but Wells Fargo Home Mortgage has not explained to why they state that's my signature when in fact it is not my signature nor was anything give to me prior to the Document being the all purpose that stated anything about power of attorney or corrections. There was nothing that has any other document that I gave any notary or wells fargo home mortgage permission to make any consent to a such document to make the instrument a legal binding agreement.

wells fargo home mortgage has not or want justify my signature and why some one forged my signature. Wells fargo mortgage has yet to get any document company to certify that it is or not my signature legally. its been nothing but fraud committed by wells fargo home mortgage.
Have been actively trying to work out a loan modification with Select Portfolio Servicing since XX/XX/2017. Submitted the initial package and have been sending required information as and when requested. The issues are that this information is sent over and over. We recently received notice that the property was scheduled for foreclosure auction. We immediately called and were told not to worry, that due to us being in the process for a loan modification that the auction would not proceed on the day stated. More requests came in form information ( that had been supplied several times, and receipt acknowledged by their website and via representatives we spoke to ) and this information was sent. Again the representatives of SPS said they had received the requested information. We then received a letter that the loan modification request would not proceed as they had not received the requested information, in spite of their representatives stating they had received everything that was requested.
Hello, I filed a complaint XXXX/XXXX/XXXX in regards to incorrect information on my credit report. 
XXXX XXXX 's is showing a 30 day late payment XXXX of XXXX. I have never been late and have disputed this error thru Equifax. Equifax has not removed this error even after filing a dispute with CFPB. XXXX Bank has already made contact with Equifax and provided them an updated AUD to correct this error and they have not. It has been over 30 days and this information has not been updated.
I have tried multiple times to discuss with Navient to lower my payment reqirements. They refuse. They constantly report me to the credit bureau and have two charged off items on my report. I am attempting to get another loan to pay my student loans off and no bank will speak with me. my credit score is now XXXX. I have been paying on the loan for 10 years and the balance has never decreased.
XX/XX/2018 purchase {$24.00} XX/XX/2018 Payment made {$24.00} XX/XX/2018 Late fee assessed {$24.00} XX/XX/2018 purchase {$24.00} XX/XX/2018 late fee assessed {$27.00} XX/XX/2018 Finance charge {$1.00} I contacted the company today XX/XX/2018 about the late fees assessed on the account. I contacted the company because I was unaware of the late fees an especially them being {$27.00} for 1 day late. I called to make a payment an I was trying to explain to them that I am a XXXX XXXX XXXX an their was no way I could pay {$78.00} before XX/XX/2018. The 1st person I talked to I asked could I speak to a manager she told me she could just send me over to hardship so they could help me before she transferred my called she did a credit for {$15.00} on my account knowing that would be all they would credit me. Once the hardship rep got on the phone she told me she couldnt credit me nothing else because they had already did that one she was being a little rude so I asked to speak to a manager again. Once I got on the phone with the manager he took a look at my account then put me on hold an a woman returned I explained to all of the reps managers an associates that I am a XXXX XXXX XXXX I dont have a job an I know there is no way I could pay {$78.00} before XXXX. I told them I have the purchase payment of {$24.00} to pay right now an they told me I needed a minimum of {$32.00}. I told them that I could possibly beg someone for the other {$6.00} an pay it so I could have at least the minimum payment. I was sent to 4 different reps in which no one really helped me and 2 belittled me asking about my finances, how I pay my bills an how I get by, an do I think I could get a job. I tried explaining to them that I dont want the late charges to continue accruing because I cant pay the ones I have now. They wouldnt even set me a plan to pay what I have now all they said was I got to pay it in full by the due date or they gone continue charging late fees. I also explained to them that no one explained the late fees to me an I have not received a statement. I told them when I got the card I was out of town on vacation an I visited a store an they cashier told me that she could put all the information in on the computer So I did not fill out anything. Instead they told me I should have been aware of the the fees an due dates.
I received a call from XXXX ( sp? ) at XXXX XXXX XXXX XXXX last Thursday XX/XX/XXXX regarding a past due balance of {$670.00} with XXXX XXXX on XX/XX/XXXX ( 3  1/2 years ). I have spoken with XXXX ( XXXX ) to try to come up with a resolution regarding this balance with no avail. 
I had not received a bill, a call or any notification to this amount due until now. So its been discussed and determined with XXXX ( XXXX ) on how it came about why the amount due was not paid and the reasons are as follows. 
1. In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX was my current Insurance along with XXXX. 
2. XX/XX/XXXX my insurance switch to XXXX ( XXXX ) and XXXX. 
3. In XX/XX/XXXX is when XXXX XXXX decided to submitted a bill. It went to XXXX ( because billing office asked XXXX who my current insurance was and not who I had in XX/XX/XXXX ) and it was rejected. Then supposedly the billing office sent the bill to me at a previous address that I had moved from in XX/XX/XXXX. My new address on the backside of my drivers license that was not marked down by the XXXX 's. 
4. I never received a phone call even though the phone number on records has always been correct. I could have resolved the matter in XX/XX/XXXX if I had received a phone call. 
5. The outstanding invoice sat in limbo from XX/XX/XXXX to XX/XX/XXXX when a supervisor decided to send to collection agency Merchants Medical for payment. 

The {$670.00} would have been covered by XXXX XXXX and XXXX if your they would have received the bill in time. I am not going to be held responsible for the {$670.00} or this to be on my credit report. I have had 2 conversations with XXXX and 1 email from XXXX XXXX  Director of XXXX XXXX and cc 'd XXXX XXXX, CEO XXXX XXXX to try to have this invoice taken care of and I spoke to XXXX XXXX to get billing information to resubmit. This information was then given to XXXX.
XXXX reports to credit report that the amount written off as {$6000.00}. The ending principal balance after accounting for all fees was {$5400.00}. I have attached XXXX 's payment history as verification of the discrepancy as well as how it appears on my credit report. I also attached a copy of a letter they recently provided me that said the blance should have been {$7000.00}. There are so many discrepancies with this account. The information XXXX is reporting there is no way it can be correct as they have sent me different letters stating different things, and none of it matches. There is not one item that matches on the explination of fees page with the transaction history or my credit report. This account must be removed as it is not 100 % accurate, and I'm not even sure we can trust thier validation of anything, since they cant even decide what the balance was or should be at the time of charge off.
I called Wells Fargo XXXX X XXXX and attempted to get information regarding " how to remove myself from the FHA Caivrs reporting system ''? I Filed XXXX BK in 2009 and WF has not foreclosed on the property nor has a foreclosure date to note. My info should not be associated with the FHA CAIVRS reporting as I was relieved from the obligation of debt via BK in 2009. I had the pleasure of speaking with XXXX in the Home Preservation Dept who engaged XXXX/Mgr to assist. XXXX informed me that they were going to set up a call back for tomorrow as the dept i needed was closed. XXXX/mgr then gets on the phone ( nasty tone ) to say no, you can send in a written request via fax # XXXX of your dispute ( as if my verbal is not being recorded ) and someone will get back to you in 7-10 days. He also attempted to give me a mailing address ( really in this day and age )? So I proceeded to call back and speak with XXXX, my original target who was nice at first, said he would give me the number to call in the morning, puts me on hold and then comes back with the same nasty script that XXXX/Mgr had clearly given him. I thanked him for his non assistance and hung up. Wells Fargo needs to be held accountable for damaging the economy and for simply being rude to their consumers.
I had a return check that resulted in a over draft return fee. Then i forgot to remove my auto pay billing and got hit with another overdraft return ach fee. They never paid any of those payments and now i owe the bank XXXX just in fees. I called and tried to talk to them & gave them my situation. Im a poor college student and I didnt plan on all this happening. No help
I applied and received a carecredit card back in XXXX. My XXXX almost died, unknowingly had XXXX and I used it to pay for vet bills that totated over {$6000.00}. I paid the card down to about {$3500.00} and then the XXXX rate was over and since I could n't pay the card off in 6 months I incurred the interest charges for the previous 6 months, which brought the balance up over XXXX. I continued to pay and then realized that I would never use the card with such a high rate and I called CareCredit to close the entire account. I told them I wanted to close the account and pay it off. At the time it was at about XXXX in XXXX. Fast forward to XXXX. I have paid more than the XXXX a month minimum payment in order to pay this debt off. The interest rate is a whopping 29 %. In XXXX of XXXX my card had a balance of XXXX. This is a card I 've not used since XXXX and have made payments above the minimum for XXXX years. I just checked the balance last week and it is at XXXX???!!!! I lost my mind and called Care Credit. I said how is this happening, it should be going down slowly? Come to find out they did cancel my card but did n't cancel security protection which charges me around XXXX. A profit they receive each month in addition to the 29 % interest they are charging me which is around XXXX. A total of {$170.00} a month plus the incurred interest on the compounded security charge. So I 'm not even hitting the principle. I lost my mind to say the least. When I told them I requested the entire account be closed and not to incur any more charges than my balance and the interest rate. The security charge should have been canceled back in XXXX. They told me it would take several pay cycles to go into affect. This company is criminal and I want my bill to be adjusted to remove the security charges dating back to XXXX, when the account was closed. I 'm floored that this company is allowed to exist. Their behavior is absolutely criminal.
I set up a repayment plan for my student loans. When I talked to a representative, in the beginning, they reassured me that all my loans were out of default and into the repayment program. I received a letter in the mail later that month letting me know that my biggest loan was about to be delinquent. I called Sallie Mae right away to resolve the matter and a lady representative reassured me that all of my loans were up to date and that my loan was n't in the negative. 2 months pass and I receive a third letter letting me know that my loan was in default and that I would have to put XXXX down to get my loan back in good graces. Needless to say, since the lawsuit, they have n't called me about the matter but they were very disrespectful about having me repay. Also, they told me that an income based payment plan did n't exist and that I would have to put at least XXXX down to fix my loan.