WillisBack/dataset-financial-user-claim huggingface dataset:
Actually not trying to close the card, American Express Travel Services, issuer of my XXXX XXXX XXXX XXXX XXXX, closed it without warning several months ago. I 'm actually trying to get the card re-activated, or at least get my balance returned. 

One day a few months ago I went to log in to the account, which I had been using trouble free for some time, to find a message saying my account was suspended. I immediately called customer service, and was told that there was an investigation going on regarding " possible fraudulent activity '', and while I was n't being directly accused of anything, my card may have been involved, and so the account had to be suspended. I inquired as to how long this " investigation '' was going to take, and was told it could be several weeks to a month or more. 

Well, in the months following I have placed numerous followup calls to customer service, only to be told the same story, with no resolution or end date given for their investigation. When I asked how I could escalate my issue, as I need the card, I was told I would have to write to their fraud department, was n't given an option to call them. 

This has gone on way too long with no resolution, so someone mentioneed I could contact this office for possible relief. I was in no way conducting any sort of fraudulent activity, and doubt that anyone I conducted bill-paying or any other activities were engaged in anything fraudulent whatsoever. 

Thanks very much for anything you can do, XXXX XXXX
Ditech Sent the Complainants a Fraudulent Foreclosure Notice Complainants lodged routine inquiries about late charges and HAMP program performance irregularities with Ditech. Instead of responding subtantively, Ditech retaliated in a hostile manner and threatened the Complainants with foreclosure. 
Complaints received a certified letter on XXXX XXXX, 2016 ( dated XXXX XXXX, 2016 ) that was styled as " Texas Notice of Default and Right to Cure. '' The notice purports Complainants are two months behind on their lien payment. In fact, on the day this letter was mailed by Ditech, the Complainants were only 17 days past a XXXX XXXX, 2016 due date on ONE SINGLE payment. 
Full Text of Complaint is Attached.
I requested deferment from XXXX, my loan servicer, through my graduate school, the XXXX XXXX XXXX at XXXX XXXX. I knew I was graduating in XX/XX/XXXX, and requested multiple times to be placed off of deferment ( there are records of this ), in XXXX and XXXX ( XXXX I believe based on attached form ). I called and spoke to representatives asking what I was to do to avoid capitalization of my loans and the best thing to do with my interest since XX/XX/XXXX ( I ended up just paying the outstanding portion of my interest in case ). The problem then became that, I was stuck in deferment from the months of XX/XX/XXXX toXX/XX/XXXX which was AFTER I graduated. I then requested again out of deferment, and signed a deferment waiver form, in XX/XX/XXXX, to be placed out of deferment. Oddly enough, the XXXX XXXX XXXX finally fixed my enrollment status and reported it to XXXX. Little did I know I was charged {$180.00} in capitalized interest, with NO notice whatsoever, based on the interest that should have been accruing during those two to three months. They stated this was a " forbearance '' and there was nothing they could do about it. 

My point is A ) My school and the loan company knew full well this would happen, and told me nothing about it in writing or online communication and B ) I received no notice about the late money. C ) Finally I was unaware, and STILL am, of how I could have, or done anything to prevent that {$180.00} from capitalizing, and ending my deferment any sooner. In other words, because of another person 's mistake, I am charged {$180.00} ( this is obviously not about being " fair, '' it's about allocation of interest and where it should go. ). I have never been in default and always pay my loans on time. In fact I've paid down my first loan already. So paying extra interest which was was unknown to me is startling and an unfair business practice. 

Please see attached forms, as I was in repayment not only in XXXX, but also in XXXX, as seen in the form.
I received a copy of my credit report and noticed something from Pro Collect, I sent a debt validation letter via certified mail. The response received did not properly validate the debt. Instead what was received was a final bill showing a XXXX amount due.
My TransUnion credit bureau was pulled by  XXXX  on   XXXX    . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
I applied under a XXXX bonus for the Mileage Plus Chase Visa Card. Within an hour I received an email offer from XXXX about a XXXX bonus ( email attached ) for the same card. I emailed XXXX ( email attached ) and they said they could n't do anything that I had to contact Chase. I called Chase and the agent told me that I could get the XXXX bonus by cancelling the card with the XXXX bonus and reapplying under the XXXX bonus. ( Unfortunately, this was a phone call with no documentation. ) I did what the rep said which held up the XXXX bonus card for two weeks while they cancelled the XXXX card and issued the XXXX. When it came time for the bonus, I only receive XXXX miles. After writing XXXX emails and speaking to XXXX reps, despite the fact that I forwarded a copy of the XXXX bonus email and the XXXX XXXX email, Chase will only give me the XXXX bonus. If the original agent had told me she could n't do anything, I would have been unhappy but I would have understood. I also would not have had to wait for the credit card or have had my credit rating affected because I applied for and canceled a card within a small window. Instead I did what the Chase representative told me to do and was greatly inconvenienced. Unfortunately, crediting less than the bonus offer is a common Chase practice which I found out by searching on line after my unhappy experience.
Credit bureaus are showing a bankruptcy on my credit report which was reported by US Bankruptcy Court. I contacted the court and received a letter that states the do not report to the bureaus. I also have a security freeze on my personal file with  XXXX , a private third party company, to prevent them from giving my information to anyone.     The credit bureaus have refused to remove this from my credit report.
I took out an advanced payday loan in the amount of {$500.00} while struggling through college in "  XXXX   XXXX  ''. At the time I was working part time in between classes and was soon getting ready to graduate in  XXXX   XXXX . I anticipated paying the loan back a fter two  weeks, however, I was not able to fulfill that obligation. Graduating meant that I needed to focus on my grades to assure completion, so I left my job and lived on bare minimum funds. Thus not being able to pay the loan back immediately or agree to payment arrangements.     Fast forward to  XXXX   XXXX  -- This debt has gone way over my head!! I 've had so many things going on in life that I totally missed this and by the time I tried to reach out to the original company, they had already sold it! I receive a phone call from my mother-in-law stating that someone left her a voicemail detailing this debt and warned her that they would take legal action if I did n't respond. They stated that they needed to get documents to me right away but have not been able to get in contact with me.     I reached out to them to get more information, ( I have not idea what this is about at this point. I do n't even live in the state and it 's been well over a year, all my debts are paid! ) about this debt and find that it is the pay day loan that was taken out over a year and a half ago. I am currently unemployed, so I tried to reason with her on a date that I could call back to pay it off ( giving me time to accumulate the money ). The representative was very argumentative and aggressive in her approach. She told me that my compromise was " unacceptable ''. She repeatedly told me that they would file a case against me in court. I continued to tell her that I do not have a job. I DO NOT HAVE A JOB!!! What am I to do besides try now to make an arrangement? This conversation ended with her hanging up or accidentally ending the call. * I want to insert that this is my first time speaking with this company. I do n't even know if they are legit. * I understand that we all have jobs and rules that we have to follow, but were is the humanity? If a brother or sister owes me money, I will not continue to hound them or make them feel pressured/threatened in that moment if they can not pay me right then/lost their job. This is what drives people into doing things that we all regret after it 's done. This is how people lose their way. This is a huge stressor and I am writing this to let them know that they WILL NOT break me! I was able to work with another creditor who was more than willing to set up a payment arrangements with me and I am done with my payments to them.
I have submitted so many complaints to you about my problems with this company they have made both you and I promises which they never kept. I have attached the most recent one you handled with them. I would have filed a complaint with the XXXX but from my research they already have over 1400 complaints filed with them with about the same things stated that I have said to you. The reason I am writing you today is because of what they reflected to the credit reporting agencies and its effect it had on me. I had applied for a bill consolidation loan it would have allowed me to not only pay this company off but also to catch up on my overdue medical bills and continue to get the needed urgeant medical care I needed. At the time I applied for the loan my credit score was XXXX   which was good enough for the loan to go thru all the paperwork was submitted and the loan was going to be approved untill Barclaycard reported my account as late and past due i was informed by the loan company I no longer could get the needed money now with this being the only negative mark on my credit report it did talke and make a large impact on my score it fell from XXXX to XXXX because of barclaycard actions they have now caused extreame and great hardship on me.This company is out of control and someone needs to do something to stop them from actions such as this. By doing what they did they have decided what my future health will be I dont know what to do now. They should be sued.
I was in the middle of a medical crisis due to my  XXXX  before   XXXX   XXXX   and after   XXXX   XXXX  . I have made late payment twice this year due to my medical complications. Capital One gave me hard time waiving both late fees in both instances, they ended up waiving them. I made my most recent payment on the due date of   XXXX    XXXX , 2017, however it got processed on Capital one 's end the next business day, and was considered late since according to Capital one I did n't make it by the cutoff time of   XXXX   XXXX   ET. The disclaimer regarding the late fee on my statement clearly states the following : " LATE PAYMENT WARNING : If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to {$35.00}. '' I have a screen shot for this part of the statement, where the late fee mentioned once in that one statement only, exactly as stated above.
If the statement said [ If we do not receive your minimum payment by your due date & the deadline of   XXXX   ET., you may have to pay a late fee of up to {$35.00}. ] Then I have no excuse to get the fee waived and I am responsible for it in that scenario.
 XXXX 
Their statement regarding the deadline of  XXXX  ET is located above the new balance amount and the payment due date, separated from the LATE PAYMENT WARNING statement.        
In  XXXX  vocabulary, when we specify date it means day of the month & year excluding the " time '' of day.
 XXXX 
Capital one refused to waive it even though me and my husband offered to send them the PDF document that has the time stamp that proves the payment was made on the due date.
I sent two pay-to-delete letters to National Credit Sytems to settle my debt of {$2400.00}. I sent my first pay-to-delete letter on XX/XX/XXXX, and requested a written correspondence letter of acceptance or denial of my offer. I received two letters from National Credit Systems dated XX/XX/XXXX and XXXX of XXXX stating that a settlement can only be made if I contact the office. I followed up with a pay to delete letter on XX/XX/XXXX and didn't receive a response. I also specifically stated in my second letter that I did not wish to be contacted via phone nor contact via phone. As of XX/XX/XXXX. I still have not received a letter in response to my second letter. Today, XX/XX/XXXX. I received 6 phone calls at XXXX XXXX after specifically stating no phone communication for this very reason. Not only are they disregarding my wishes not to be contacted, but they are not trying to settle my account in writing. I also notified them via email today to make them aware that their harassing tactics will be reported.
I have applied for a modification with my servicer XXXX XXXX multiple times. Their only response is that the " investor will not allow a modification ''. When I ask who the investor is, ocwen says it 's a " pool '' of investors. The address ocwen gives me as the pool is a fake address the phone # that they give me is a recorded line that has nothing to do with the pool of investors on my loan. Ocwen states they are not capable of reaching the investors. Ocwen states the cooperate with the Hamp program but has rejected my multiple attempts to modify my loan that is currently at a 6.75 %. Ocwen will not work with me other than a repayment plan which literally triples my normal monthly payment. My loan was sold to these mysterious pool of investors who have absolutely no way of contacting them. I opened my loan in 2004 when all the preditory lending was going on. I need help locating this " pool '' or to force ocwen into offering me a fair modification on my loan that everyone was supposed to be offered due to the fair lending, preditory lending laws.
I was being charged {$2.00} for 3 consecutive months with no balance on my Macys ' account. I did not check my account thinking I have no balance but because of the interest charges, I have a balance of {$6.00}. I contacted Macys on XX/XX/XXXX and they informed me that my account was delinquent because of the {$6.00} balance that I have not paid for several months, which subsequently impacted my credit scores. I did not understand why I was being charged every month with no balance but I did not want to argue with them so I paid the {$6.00} interest charge in the desire to bring my account back to normal. After I paid they ensured me I had no more balance and this will not happen again. Yet, on XX/XX/XXXX when I checked my account, I saw the same {$2.00} interest charge. I contacted them again, they told me the same thing and made me pay another {$2.00} and said my balance is now XXXX. I checked my account again on XX/XX/XXXX and there it was, another {$2.00} interest charge. This time I called them and they said my account was not adjusted for the interest charges ; they will credit me a total of {$10.00} and this will not happen again. At this point, even if they credited me {$100.00}, it would not make a difference. As a consumer, I feel cheated and lied to. They charged me interest fees when I had no balance on the account as I always paid it off. They XXXX up my credit scores, which has been in very good standing until this happened.
Equifax mishandled my information and allowed it to be exposed publicly through a cybersecurity breach. Then, their so called " Solution '' is a free year of their own monitoring service, after which you have to pay THEM to monitor their own XXXX up. They also have the gall to add in an arbitration clause to this offer, in a blatant attempt to cover their own XXXX from getting sued like they rightly deserve.
Payment is not properly applied. Payment should apply first to principal and interest only. 
Previously complained. They corrected it. It happened again. In addition, the bank statement doesn't show how they came to the final regular payment. If there is a late fee, it doesn't show in the statement. I complained again today and the complaint # XXXX. The bank associate agreed there is a problem and is very helpful. There is either a problem with bank on line payment system and printed statements or Bank of America deliberately adopting financial malpractice.
In mid XXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I've since received notice that my investigation was closed with all accounts verified from ONLY Experian, but didn't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that Experian has incorrect information on my file, and this is prohibiting me from acquiring credit for life necessities. EXPERIAN IS REPORTING INFORMATION WHICH WAS REMOVED FROM THE OTHER CREDIT BUREAUS.
Equifax will not supply my annual online credit report. I 've been tossed around multiple times. 

In addition, the XXXX website will not verify my identity properly.
I was a victim of XXXX 's inquiry issue. I called and tried to explain this to them. I have reached out to them in writing and via phone and the companies via in writing to no avail. 

Inquiries I did not authorize : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And this month I had multiple inquiries in a one/two day span in which I DID NOT authorize. The salesman at a dealer had me sign a form allowing them to pull credit. I did not authorize them to allow anyone else but THEM to pull my credit. XXXX XXXX XXXX. I had over 13 inquiries over all 3 bureaus pulled. They financed me thru XXXX XXXX. This is criminal. 
XXXX XX/XX/XXXX BB & T XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I have one loan in my 28 years of living giving me the same issue. Whats happening is the loan is being sold over and over and over again. Upon my research in fact Nelnet have two different account numbers for the same loan making it look like more than what it is. I also reached out to them because this loan was established in XXXX! Its XXXX and Im still fighting to have this removed! I currently got in touch with the creditor that have the loan today to work to get it in rehab status. My issue is I also reached out to the credit agencies all 3 major ones to despute all inaccuracies and try to get stuff of my credit. So far only one has succeeded in one account! The others will not budge! So nelnet, then XXXX/Nelnet then nelnet/XXXX and last XXXX are all reporting that one loan. Please help!
I filed a claim with Bank Of America regarding an individual stealing my cards and making transactions on my cards. XXXX card was approved while the other was investigated, upon speaking to the representative they went into my other account where it was proved that fraudulent charges were made and she overrode the decision on it when I did not authorize her to even investigate that account. She was very rude and condescending as well as extremely unhelpful. I kept asking for specific documents I would need to provide to show that these transactions were not mine and she was very vague. Now she 's going to re-bill my accounts and force me to make payments on transactions that I did not make nor authorize. It 's upsetting that all my other banks were very helpful while Bank Of America has been horrible. I got upset and hung up the phone on her because it was very obvious that she was not interested in helping me and kept making attempts to get me off of the phone. Terrible service and employee from Bank Of America.
The collection company ic system has me on collection for the amount of {$110.00} this amount was settled for the amount of {$87.00} I believe, when I call att they say I do n't owe nothing, so I do n't understand why this still shows in my credit report?
I had been disputing a charge on my credit report with experian every chance it would let me because the account from the start just hasn't been handled properly. XXXX ( fair credit and outsourcing ) put a debt on my credit that they gave me no chance to dispute before they did. And I have proof of that. I finally got them taken off after experian investigation and waiting the 30 days. I was thrilled to see it come off and my credit went up like it should have been this whole time without them on it. XXXX days later I get an alert that they " found '' more information and put it back on. 30 days is the allotted legal time. There should not have been any more time to look into it and shouldn't for sure went back on to my credit report from anything else that was found because the 30 days was given and it was deleted.
In response to a bonus offer of { {$400.00} } for opening a new checking account and funding with { {$15000.00} } and opening a savings account within 30 days of opening the account and then maintaining the balances for 60 days, within 90 days of these terms being met, the deposit of { {$400.00} } was to be released to the checking account. He ultimately was able to get them to review the account AFTER 12 phone calls and numerous threats of filing legal action against Citibank, and they finally released the bonus. He said to give them 5 business days and it should be in the account. I was out of the country for most of XXXX and when I returned, still no bonus or communications from this terrible deceitful organization. The customer service agent mentioned my checking account was closed and therefore the bonus was not valid. How does this make any sense? You close the checking without sending me any notifications and then tell me the XXXX that was deposited in the savings was all for not. This is very dishonest. All terms were met for the bonus! Pay the bonus! XXXX XXXX is a very rude customer service agent! 

I called yet again for the XXXX time on XX/XX/XXXX. Immediately upon the customer service agent answering I demanded to speak to a manager. I was transferred to XXXX. I went through the issue again with all details. XXXX looks at the account and tells me all the agents before me told me the wrong information. He now said that I needed to meet the requirements within 30 days of opening the account - which I did. He then said I needed to maintain the balances for 60 days - which I did. He then said Citibank has the option to wait the full 90 days after that before they had to pay the bonus, but usually pay it sooner - apparently not in my case. He now told me that the bonus was due, according to his " math '', on XX/XX/18. After that he said they were definitely out of terms. I was absolutely fed up and demanded to open a case dispute. He refused. He said, sorry but since Citibank is not out terms yet, I can't open a dispute. So I waited until XX/XX/XXXX - no bonus. It is now XX/XX/XXXX - no bonus. I can not continue to waste my valuable time trying to get this awful company to live up to their published offer. I am not interested in speaking with them again, banking with them, or quite frankly ever seeing the name Citibank ever again either. I want my bonus as I met the contractual requirements of their published offer and then I will be immediately closing my account and NEVER bank with them again.
I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Santander autho consumer USA XX/XX/XXXX