WillisBack/dataset-financial-user-claim huggingface dataset:
This is a complaint about Capital One 's unconscionable practice of closing accounts when there are outstanding rewards and telling the card holder that their rewards are forfeited. On XXXX XXXX, 2016, I received a letter from Capital One closing my GM credit card account because they " observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family or household purposes '' Cardholders received 5 % of annual purchases up to {$500.00} annually as a reduction toward the cost of a GM car for up to 5 or 7 years. At the time of the cancellation, I had a balance of {$1000.00}. 
Capital One refused to provide any further information as to why my account was closed and advised me that my balance was forfeited. I spent many hours with Capital One and had many phone calls with representatives who were essentially robots. They would not provide any information other than what was in the letter and telling me that I had forfeited my rewards. 
I subsequently learned from GM that my card was cancelled while in good standing and they would honor my rewards for 90 days. In other words unless I bought a car within 90 days I had lost my rewards that I had in good faith amassed over the last two years. 
I have held this card for more than 20 years and believe this is a fraudulent practice. Capital One promised to provide me the agreement showing that they can do this, a copy of the letter and a copy of my last statement which I misplaced. This was about a month ago and they have not fulfilled their promise. In other words, contacting Capital One is like banging your head against a wall. 
Capital One should be sanctioned by fine or by other means for this clearly unconscionable practice. Pressure through formal action or otherwise should be placed upon Capital One to stop this practice.
Barclay cards is a company of thieves and and false advertising. They promised to open a credit card in 3 days with express delivery. However, then they say 7-10 days when I speak with them. Opening and closing credit cards destroy one credit report. Please ask them to delete the credit card ending in XXXX for all credit bureaus ( XXXX ). I will not stand to have open and closed accounts, with false advertising from representative and websites. This destroys credit score with fallacious information.
I am disputing the total amount outstanding on a home equity loan written by XXXX and serviced by Specialized Loan Servicing ( SLS ). I have been trying unsuccessfully to get a transactions history on this account and a copy of the original note for more than two weeks now. My understanding is that XXXX still holds the home equity loan ( I receive my tax documents from XXXX ) but that SLS handles payment, customer service and account inquiries for XXXX. I called XXXX regarding the account history and original loan documentation, I was informed that they could not help me and I would have to contact SLS. When I contacted SLS more than XXXX weeks ago, the representative I spoke with said that she placed an order for the account history and original note paperwork, and I could expect to receive it via USPS within a week. When I called SLS back today to inquire as to the status of the history and the copy of the note, I was informed by a different representative that the initial request made two weeks ago was " invalid '' and nothing had been ordered. When I asked why I was not notified, she indicated that it was not their policy to advise customers of invalid orders, she was sorry for the delay, but there was nothing she could do except try and submit the request again, which could take an additional two weeks for processing and delivery. I explained to her that the loan was coming due in 45 days and I needed this history, along with a copy of the original note from 10 years ago, as soon as possible because I was disputing the amount outstanding. She reviewed my account, and provided a verbal history of the account : when the home equity loan was originated, the initial draw amount, the interest rate, etc. The original draw amount and interest rate did not align with my recollection, and I indicated this to her. She responded by saying that she was " not in the business of falsifying documents '' ( I never suggested that she falsified any documents - I simply requested information about the account ) and my recollection must be incorrect and my records were incomplete, otherwise I would not be requesting a copy of the note and the history in the first place. 
I do not dispute that there is a balance on this home equity account. I do, however, dispute the total amount outstanding, the adjustable rate ( my recollection is that the original note was for a fixed rate ), and the fact that SLS is characterizing the loan as a HELOC - my original understanding was that this was NOT a line of credit, and I would like to see all transactions ( payments and draws against the line of credit ) to verify the amount outstanding to pay off and close this account. I am simply asking for information about my account, and SLS is making it extremely difficult to obtain this information.
After numerous attempts to have the debt collector to remove my name from their files, and reporting negative information to the reporting credit bureaus, such as XXXX, XXXX and XXXX XXXX. The collection company named AFNI has harmed my reputation and harmed my credit worthiness. After the mutual agreement with the original company XXXX, I had established many years ago, concerning the equipment use and the incurring fees and charges, would be established by tenants who remained in use of XXXX 's services and use of their equipment. XXXX was fully in compliance with such agreement. Years later I 've been notified, by AFNI that I owe them in a disclosed amount. I have repeatedly with unsuccessful attempts to dispute these claims by AFNI, with not positive results. I am therefore ; calling for a thorough investigation into the practices of the company named in this complaint.
My loans were incorrectly serviced and has ruined my life, my credit report, and my childrens lives. I began receiving loans in XX/XX/XXXX. Now i have a ridiculous loan amount of {$74000.00}!! Account numbers are even wrong. Balances are wrong. Navient has even had debt collectors call and mail me about the same account! 11 years? Then start a new account just to kill my credit? Every loan has a rate over 3.4 %
I applied and was approved for an XXXX XXXX credit card, but the company failed to honor the solicited promotion. The company offered a bonus membership points reward to new members who spend {$1000.00} or more with in the first 92 days of the membership. Before I applied for the card, I called the company and asked them specifically about how to qualify for the award, and I was told that all I have to do is to make {$1000.00} on my account within the first XXXX days of the membership. The company did not tell me that a transaction on the XXXX day would not be applied to {$1000.00}. Then, I applied for the card online after relying on what the representative told me over the phone. During the first XXXX days, I have made in the total of {$15000.00} on my account which is more than {$1000.00} miminum to qualify for the bonus. Later, I spoke with the representative on a recorded line and she said that a transaction on the 92nd day would not count toward {$1000.00} minimum because that transaction would not be posted on the account on the same day. Therefore, I will not be qualified for bonus membership reward for new customer/card member as originally advertised and solicited. The company did not make it clear in the first place about the transaction on the last offering day. I applied for the card because I wanted to get new customer bonus points. I did everything as the representative said, and I should get the bonus but the company said no because the transaction that I made on the XXXX will not count toward the {$1000.00}.
Well first off thank God we have the XXXX Many consumers and i have no nice way saying this but ar egetting XXXX by these large comonaies that think they cann walk all vover the consumer wrong I sued two large compnaies in Federal Court. It need to end here and for companys to take responsibility for their own mistakes  I will poest supporting eamils in here since they dont seem to upload through other complaint. My Loan now is being held up for weeks yes weekes because the last title company that did my loan titel did not do there job and left a lien on the house with another lender. This shoudl have been done by the titale company that was hired for XXXX dollers. Well they didnt do there Job so now Im stuclk hiring people to do it with my own money  which has caused problems in my life. I can pay my bills now and get my medication. And honestly been sick over this with my XXXX being in the high XXXX. They refuse to correct this mistake . I ask them over and over to please fix it they do not knwo what to do who to go to because they dropped the ball a year ago. So. now the bill just get larger. In talking with my atoturney  XXXX XXXX  XXXX XXXX the number 1 and number 2 mortgage lender sin the COuntry all agree the titele company that was hired by my mortage company should have fixed this and will not so they can pay me and the people I hired to clean this mess up. How sad you would do this to a client that did ahve trust in you . I understand u made a mistake wer ehuan however u refuse to fix it I have asked you seeral times  and i been running my XXXX off to get this clloan closed  but have a hold up because you never did proper title work on my previous loan shame on you, SHame on you.

 RE: XXXX - XXXX XXXX XXXX XXXX 


  Reply|
Thu XX/XX/XXXX, XXXX XXXX  
You 
You replied on XX/XX/XXXX XXXX XXXX.
XXXX XXXX,
 
Yes, the previous title company, that we do not have any affiliation with, made a mistake when drafting the title work.
 
Thank you,  
 

XXXX XXXX
Loan Assistant
Home Point Financial Corporation 
Branch NMLS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Work Phone: (XXXX) XXXX Ext: XXXX
Fax: (XXXX) XXXX 
Email: XXXX

I appreciate your help in getting this resolved.  The old title company has been giving us push back all week and hasnt been moving this along because they havent wanted to admit fault.
  

XXXX XXXX
Sales Manager
Home Point Financial Corporation 
NMLS: XXXX
Branch NMLS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Work Phone: (XXXX) XXXX 
Fax: XXXX 
Work Mobile: (XXXX) XXXX
Email: XXXX
TCF Bank Charged me several overdraft fees on my account. The problem is that multiple transactions had been fraudulent. I attempted to call and file fraud alerts on my account on several occasions. Each occasion TCF refused to work with me or co-operate. I filed a XXXX case against TCF. In this case I requested that TCF provide proof that i authorized, signed for, initiated and or requested the transactions that caused the account overdraft. 

XXXX {$9.00} XX/XX/2018. 
XXXX {$9.00} XX/XX/2018. 

TCF refused to provide proof. They provided no supporting documentation, validation, or verification that said transactions were done by me and not fraud. I again requested proof as i had on multiple occasions advised TCF these transactions were fraud and TCF refused to act and expected me to be responsible for paying the fees directly resulting from the fraud accounts. TCF again refused to provide any proof other than a flimsy written statement that the transactions were valid. I called TCF yet again and spoke with a manager advising them this was FRAUD and that I DID NOT AUTHORIZE the transactions and that i demanded proof since they at this point sent the balance to collections, harming my credit over a fraud transactions i should not have to pay. TCF again refused. According to law if they can not provide sufficient evidence or proof validating ownership of debt and or authorization of transactions then they must comply and remove the debt. TCF has refused, going so far as to say that i have to prove it was fraud. Which isn't possible because i have no access to whoever initiated these transactions without my consent.
after viewing my credit report  in XXX 2017 i noticed their were a few items on my file in which i did not apply for nor authorized. i reached out to the companies as well as the credit bureau to dispute them. i obtained a police report and sent to the collection agencies as well as a dispute letter asking for verification bearing my signature. they did not send the verification but in XX/XX/XXXX sent a bill and a letter asking me to send in 2 utility bills and my identification. this is strange to me considering the fact that i sent them a dispute asking for verification in XXX 2017. It has now been well over 30 days and i have not received the verification and the incorrect information is still on my file. This is totally against the law and against FCRA rules. I also reached out to XXXX whom is the original creditors but  there was no resolution
I 'm writing once again because once again my inquires were n't removed off my report. I did n't authorize for my credit to be ran and I want these inquires removed immediately. I feel like I 'm getting the run around and I 'm tired of it. I also placed a fraud alert on my credit because of this matter.      XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX     XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX     XXXX       XXXX   XXXX   XXXX ,  XXXX
I took advantage of this agencies advise, and sent the attached letter to Navient, snail mail, this morning, along with copies of my paystubs etc. At the age of XXXX, I was pretty lost with no goals or direction as to what I would do with my life. Then someone suggested trade school. I have always been very creative/artistic and it sounded like quite the solution to my dilemma. I attended the " Missouri XXXX XXXX XXXX '' for their 6 month XXXX program. Which was paid for with a private student loan, recommended by the school, and co-signed by my parents who were anxious for me to find my way in life. We were all ( not the school ) extremely nave as to the predatory nature of these loans, and applied and signed off in good faith, thinking this was a legitimate student loan, with all of the benefits etc. Obviously, that is not the case, and after paying on this thing for 8 years, have not made a dent in the principal, and although circumstances change through the years, there is absolutely no flexibility with these institutions, no understanding, and great difficulty in even being allowed to speak to anyone with real information, or the power to assist in any way. I realize that unfortunately, this is a legal enterprise, but, I wanted to join the many voices begging for assistance, and crying out for help to get out from under this place.
XXXX XXXX fails to update my credit report as per court settlement agreement. Have made numerous attempts to rectify this matter and no one will correct this matter. I won the Law Suit, have a settlement agreement and yet NOTHING. XXXX did not follow the Laws of the XXXX or XXXX Commercial Code and has forfeited their rights to a deficiency balance among deceptive practices in the repossession in which they did not follow the Law as well.
XXXX XXXX XXXX, ACCT XXXX IS FRAUDULENTLY APPEARING ON XXXX , EXPERIAN AND XXXX REPORTS. 

XXXX XXXX IS THE THIRD COLLECTOR IN A ROW FOR THE SAME XXXX DEBT, THE ORIGINAL CREDITOR. 
THE PREVIOUS TWO COLLECTORS XXXX XXXX AND XXXX XXXX   WERE DISPOSED OF PREVIOUSLY BY CFPB COMPLAINT AGAINST ALL 3 BUREAUS.I HAVE ATTACHED EXPERIANS CFPB COMPLAINTS BUT ALL 3 BUREAUS RECEIVED THE SAME COMPLAINT AT THE SAME TIME AND ALL 3 BUREAUS DELETED
On the XX/XX/XXXX. I 've made a deposit over 1000via SEPA to Coinbase 's bank. It stated that my money will be available after 3 business days, but even today I have n't received my money. 

I 've contacted the support multiple times, but never got a really helpful reply. Except " wait for a specialist ''. After browsing through multiple communities online, I 've seen that there are many more, having the same issues.
I am a victim of identity theft and have filed a police report about this matter back in XXXX. I have been disputing the fraudulent information for awhile and have been told that my police report was not good enough. I have been spoken to very rudely by customer service representatives as well as when I tried to contact someone at corporate the operated was rude. I have been disputing the fraudulent accounts such as XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and my personal cu. This all started back in 2012 until current and have been told to keep disputing. Equifax is refusing to remove this information even with the documents that I have sent in.
Equifax is reporting inaccurate information on my credit report. I received a letter from equifax stating that XXXX XXXX XXXX   account # XXXX is reporting never late never repossessed. Well I checked my credit report and they are reporting late payments and the remarks says redeemed repossession. This information is incorrect and equifax is in violation of the FCRA federal law. This account is an installment loan equifax is reporting the account as a credit card account that is inaccurate and proves they have not verified this account, they are also reporting that I owe {$15000.00} the correct amount is {$14000.00} and the account is reporting as closed when its an open active car loan! If this issue isnt resolved and updated I will file a lawsuit against equifax for illegally reporting inaccurate information!
I worked with a Wells Fargo loan officer to purchase a investment property. I was told I would need XXXX % down. They were aware that the property was duplex. 5 days before my closing I was told I needed XXXX % down. Since it was there mistake they stated they would reduce some of my fees. In fact they increased my fees. 
I do n't know if this other complaint goes to you but my closing title company did not provide anyone to close with me to explain the documents I signed. They just told me to go to any notary since I lived out the state ( even through they knew this and did n't make arraignments ). Also I have not received a copy of the signed closing documents I signs and I was not provided keys and the XX/XX/XXXX rent to the address and lease agreements. They told me I have to contact the owners realtor to get that even through it was in my contact. They realtor told me they ca n't give me a copy and to ask the renters. Also I have received the rents.
XXXX XXXX I purchased my XXXX Phantom XXXX XXXX XXXX from XXXX XXXX located at in XXXX NY. It was brought to my attention that Fifth Third Bank was the only bank willing to provide me with an auto loan at the time of purchase. I was concerned with the high 14.25 % interest rate. 
XXXX XXXX I was informed that the CFPB and DOJ are both bringing forward a class action Auto Lending discrimination suit against Fifth Third Bank. I followed protocal provided to me by the CFPB staff and made several attempts ( XXXX XXXX, XXXX XXXX & XXXX XXXX ) to resolve this matter with Fifth Third Bank which resulted in several staff members that there in no record of my auto loan in there system. I have provided my social security number, previous address etc ... and have been unsuccessful.
RMB Inc has posted an account on my credit report in the amount of {$5400.00}. I was covered under Alabama XXXX XXXX at the time of the service due to pregnancy. I believe that RMB should be pursuing Alabama XXXX instead of me for payment of this bill. The account number is XXXX.
I received a the first notice from Credit Collections Bureau dated    XX/XX/XXXX . Upon receipt of the notification, I called and left a message for a return call. I never received the return call. One week later I had a notice for certified mail. Within the certified mail was a notice of a small claims lawsuit. The deadline to respond to the denial is   XXXX   XXXX   2017, which I intend to do.
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I was not given enough time to respond and dispute the debt ( 15 ) days from the first notice received to the date of the Notice of the small claims lawsuit being served.
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The amount of interest that has been charged is {$440.00} and the total amount of debt was {$530.00}. How long has this been in there office without trying to reach me? I believe this could be from an surgical operation back in  XX/XX/XXXX , How long is the statute of limitations on these debts within my state?
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I am aware of the collection practices of this firm and to my knowledge this is a collections tactic they use. Placing a small claims judgment against a consumer whereby it is entered and then they place a wage order on the consumer.
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How is this practice not a violation of UDAPP?
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, Equifax, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( XXXX ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX - Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX - Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX XXXX # XXXX - Reported bal {$390.00}
I reviewed my XXXX  credit report that indicated that I owed {$35.00} XXXX Hospital toward a copayment from a XX/XX/2012 hospital visit. This attempt to collect was initiated by XXXX XXXX XXXX approximately six years ago. I've attached an invoice from XXXX Hospital regarding the debt in question which indicated a XXXX balance. Inaddtion I've attached a copy of the credit report that has Midwest Recovery System attempting to collect the same debt. Please see attached.
Company Name : XXXX A few days ago, I purchased a new line for my business, for the phone number listed. Almost immediately, I received a call. When I answered, it remained connected for about 6 seconds, then hung up.

Since then, I've received multiple phone calls each day. I finally connected with the company and they said they were trying to connect with another person.

My concern is that if they're doing this to my number, they're clearly violating consumer rights due to " Repeated or Continuous Calls ''.

They're using repeated calls in hopes that the person being harassed will call their number to provide info for a lead on collections. I'll post the call transcripts below. I can also provide screenshots or call my mobile company to collect records.

XX/XX/XXXX - XXXX - Incoming call from XXXX  ( Duration : 7 seconds ) XX/XX/XXXX - XXXX - Incoming call from XXXX ( Duration : 5 seconds )XX/XX/XXXX- XXXX  - Incoming call from XXXX ( Duration : 7 seconds ) XX/XX/XXXX - XXXX  - Incoming call from XXXX ( Duration : 6 seconds )
PACUF is reporting " Settled '' on my credit report and it should show PAID as Agreed.
This MCM Midland Credit Management called me several times per week for over a years time. I was afraid to answer the phone. I did make them one payment and arranged for a second payment. I called the MCM phone number I had from a previous debt I just paid off. They said my account was clear and I did not owe anything. So this MCM or supposed MCM from XXXX XXXX kept calling me and would sometimes offer me a settlement. I am suspicious if they are even real. This does not show up on my credit report. I still continue to get letters and they add to my " balance ''. Not to sure what to do with these people. Is this a scam?