WillisBack/dataset-financial-user-claim huggingface dataset:
I am missing XXXX points for my successful referral of the Amex Delta golden credit card in XX/XX/2017. I have contacted the customs service for serval times about this issue but still not resolved. They just closed my case. After I have submitted the first complaint through their customer service and they asked me to provide additional information about referral individuals. Then, I gave those to them and after several weeks they said they could not find a clue. After I submitted the second complaint from CFPB, they asked me to provide these individual referrals information again. I just could not understand. 

This is my third complaint and I attached their names, addresses and even card numbers. I think they should locate their application by those information. If this time they just simply said they could not validate the referrals. I will think this is a fraud approach to cheat customers. My friends have already had their open account bonus which is XXXX through my referral. why could not I get my successful referral bonus? 

I want to mention again the two XXXX bonus points already shown in my account should come from two people since they applied for the card on the same date and not as the custom said which two XXXX points were from one person.
The credit card company, Chase, closed my account and I can not longer use it. 
At the time is was closed the interest rate was 8.49 %. I have been making payments to pay off the balance that was due when they closed the account. 
Now I see they have raised my interest to 9.49 %. Now on this statement I see it has raised again to 9.74 %. Isn't there a law that says if they close the account I can pay off the balance that I owe under the same terms? ( 8.49 % ) I called them and talked to them and they said they can raise my interest rate even tho they closed my account.
Today I received a call from a company in Ohio that processes payments for a company that sells drones. The man who called said he wanted to verify I had authorized {$3000.00} in purchases for drones to my credit card issued by Barclays Bank Delaware. I had not. When I logged onto my Barclay card account to see if the charges were there, I saw XXXX temporary charges for {$1500.00} each to XXXX. I immediately attempted to contact Barclays. After being on hold for more than 5 minutes, a representative finally comes on the line and says quickly " We are currently updating our system. Please call back in 24-36 hours '' and then HANGS UP! I thought there must have been a mistake so I called back. THREE MORE TIMES. The same thing happens every time. So now, not only is my identity compromised and my credit card being used fraudulently, but I ca n't even talk with someone at the credit card company to find out why they did n't put a stop to the charge ( On XXXX XXXX, 2015 they refused to allow me to charge {$130.00} XXXX until I spoke with their fraud department ) as suspicious and what I 'm supposed to do about it.
It first started in XX/XX/XXXX when I made three payments that month. We had been paying $ XXXX/ every two weeks, so in XX/XX/XXXX it worked out that we made 3 payments. They took the XXXX XXXX payment and applied it to principal and escrow. This was supposed to be for part of XX/XX/XXXX 's payment. Since then we have been considered a half a month behind. The in XX/XX/XXXX we had a returned ACH transaction on XXXX XXXX. We call on XXXX XXXX to notify the bank and they tell us it should go through twice. So we make a half of payment for XXXX and on XXXX XXXX we see another withdrawal labeled DiTech retry payment. We assume that this is the XXXX XXXX payment that was rejected. Now they are saying that they did n't get any money XXXX XXXX, only the over phone payment from XXXX XXXX. We faced them XX/XX/XXXX with bank statements and a letter from the bank showing the XXXX transactions. They came back and said our letter was n't legal enough and our bank statements were altered. We submitted again XXXX XXXX and have n't heard anything. I call and leave messages speak to agents all with no turn out or answers.
I applied and got approved for USAA XXXX World MasterCard. It came with a {$200.00} statement credit offer if I make XXXX purchases by XXXX XXXX, 2016. After I made XXXX purchases, I called USAA customer service to check when the statement credit will be issued. USAA denied the existence of this offer
I received a call from a Home Point Financial Representative on Monday, XX/XX/2018. The representative called to inform me that my XX/XX/2018 mortgage payment had not been received, but it still was not considered late as it was not the XXXX of the month. I quickly looked at my on-line banking and saw that it had been sent out on XX/XX/XXXX. I did not see any possible red flag on my banking register. 

After further investigation, I discovered that it was my XX/XX/2018 that had not been paid and was indeed past due. In XX/XX/2018, I INCREASED my automatic withdrawal mortgage payment to {$2000.00}, with the extra amount to be applied to my principle ; which was noted on my check memo line of payment. As a result of this change, my XXXX payment was inadvertently deleted, causing me to miss my XXXX payment. Thus Home Points representative was mistaken when she told me that my XXXX payment was not yet late because I had until the XXXX of the month. Please conduct a review of my account and the telephone call and review the servicing recording to corroborate this information. 

In addition, I recently received a refund amount of {$51.00}, notwithstanding the fact that I wanted the extra amount to be applied towards PRINCIPLE REDUCTION. It appears that Home Point is attempting to avoid my principle reduction. 

In over 20 years of having a mortgage I have NEVER missed a single payment. 
I never received any information or notification from Home Point Financial about a missed XXXX payment- until mid-XXXX, and even then, the communication was incorrect as the representative indicated XXXX was late. 
My contact information was up to date at Home Point. I  personally spoke to a representative on the phone in XX/XX/2018 to ensure all contact information was correct. Why no courtesy call or correspondence in XXXX? Home Point Financial refused to look into this matter, and simply rejected all discussion.
I have been stonewalled twice for a loan modification. I got injured and was out for 6 months. I tried a loan mod with Wells Fargo and got denied the XXXX time due to non participation from the investor. The investor did not participate in any loan mods. The XXXX time I tried, property values went up, and was turned down as my net present value ratio went up. I have equity in my property ... no good. I tried filing chapter XXXX and case was dismissed and I am barred for filing bk for 180 days. I have a sale date coming up XXXX/XXXX/2015.
On Wednesday XX/XX/XXXX ; Rausch, Sturm, Israel, Enerson and Hornik filed a debt claim lawsuit on me in XXXX County, Tx ( Case XXXX ). The claim stated that it was made on behalf of XXXX XXXX  and XXXX on a credit card that I previously owned. It wasn't until I began to receive solicitations via United States Postal Service offering their services to represent me did I find out about the lawsuit. 

On Wednesday XX/XX/XXXX at XXXX CST, I contacted XXXX XXXX XXXX at XXXX. During this phone conversation, I was advised that XXXX  was no longer in control of the debt and that it had been turned over to debt collection offices of Rausch, Sturm, Israel, Enerson and Hornik.

Rausch, Sturm, Israel, Enerson and Hornik has never advised me that they were assigned, purchased, or otherwise took over this debt. At no time did Rausch, Sturm, Israel, Enerson and Hornik provide me with : The amount of the debt. 

The name of the creditor to whom the debt is owed. 

A statement that, unless I dispute the validity of the debt, or any portion thereof, within 30 days after receiving the notice, the debt will be assumed to be valid by the debt collector. 

A statement that, if I notify the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer. The debt collector must mail a copy of this verification or judgment to the consumer.

A statement that, upon my written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

It is my belief that Rausch, Sturm, Israel, Enerson and Hornik violated section 809 of the Fair Debt Collection Practices Act.
On XXXX XXXX, 2015, I requested an increase on my Bank of America credit card from {$2500.00} to {$3000.00}. Buried in the fine print, however, was an authorization to perform a hard pull on my credit report. This hard pull has adversely affected my credit score. On XXXX XXXX, 2015, I chatted Bank of America to request a reversal of this hard pull. My representative, XXXX, informed me the hard pull is required by federal law, which is not true, especially since XXXX XXXX, XXXX, and XXXX have all granted me credit increases via soft pulls of my credit report. Upon further questions, XXXX admitted the hard pull requirement was an internal Bank of America policy and NOT a federal regulation. When I then questioned her on why she gave me false information, she acted as if she did not understand my question and then prematurely disconnected the chat session. I can forward the pdf of this entire interaction to you if necessary. 
I would prefer my credit report be fixed and the inquiry deleted, but, most importantly, Bank of America should not be permitted to systematically lie to their customers about why they perform hard pulls ( a quick XXXX search reveals on the myFICO forums that the " this is a federal requirement '' line is a frequently used Bank of America customer service tactic ).
In XX/XX/XXXX I leased a XX/XX/XXXX XXXX XXXX for a term of 39 months. On XX/XX/XXXX I traded in the XXXX  early with a promotion the dealership was offering. The agreement was that the remaining lease obligation would be paid off and I would lease a new vehicle. On XX/XX/XXXX the saleperson requested and received a payoff quote for the amount of XXXX. The quote states " the maximum amount the lease will owe, assuming no excess wear charges ''. This quote amount was valid until XX/XX/2018. The dealership paid the XXXX on XX/XX/2018, before the expiration date of said quote. In XXXX I received a letter from Ally stating that I owed XXXX??? ( I do not have the statement available to me right now to verify exact amount ) that wasn't covered. I immediately called the dealership and was originally told that the dealership did not pay the correct payoff amount and that I should either pay the amount to Ally or I should ask the dealership to pay the remaining balance on my behalf. 
After speaking to the dealership, I was advised that this was a mistake on the part of Ally and documentation was provided to me showing the payoff amount and that amount paid out to Ally. When I called back to Ally to resolve the issue I was then told that I missed the payment sue on XX/XX/2018. I informed them at that time that the car was turned into the dealership before that payment and that was to be included in the final payoff that was submitted by them to the bank. Why would I pay a payment for a car I do not have and had already been closed out based on their quote? Upon further phone calls they then changed their story to I missed the XX/XX/2018 payment. At that time I asked  them to send me a list of all the payments that they had received from me. After numerous requests for this information I was finally emailed this information. A few days later after the receipt of this email, I called back and asked to speak with the department head. I was placed on hold and was never transferred. I then emailed asking that I receive a return call from the department supervisor, which did not happen. The documentation that they provided to me shows that they in fact acknowledge receiving EVERY SINGLE PAYMENT up until the lease turn in date of XX/XX/2018.  According to their own records I did not miss any payments. In a collection call that I received last night, I was informed that they will be reporting this small amount to the credit agencies. I need resolution to this problem since Ally refuses to review their own records. The payoff they provided was paid as they asked for. Their was wear and tear insurance on this vehicle, so their was no charges for that. I do not appreciate how their story keeps changing instead of finding the true mistake. The dealership has even tried to resolve this issue on my behalf without success. They argue that they have never seen this situation. Even if I did owe a missed payment that should have been included in the final lease payoff amount. I do stress I never missed a payment.
Company calls continually, yet wont tell me what this is about unless I disclose a ton of private information. I am certain this is about a paid doctor bill, that another company tried to collect on until I sent them my paid statement. It appears that company sold the debt to this company once they knew there was nothing to it. This company wont even attempt to let me prove I do not owe the debt.
A credit card was opened up in my name with numerous purchases. I was not aware of this until I seen the card on my credit report. I filed Bankruptcy in XXXX so I know my credit was n't great and had no need to check my report, but when I did and made the dispute with XXXX, Capitol One states I waited too long to report it to them. I then contacted Capitol one to report this fraudulent credit card. Capitol one will only issue credit for partial amount as fraud, this they say was because I waited too long to report it.. How was I to report credit card fraud for a credit card I knew nothing about? So my complaint is with Capitol One since they are making me responsible for the majority of the charges. I asked Capitol one for a copy of the statements from the time the card was opened in XX/XX/XXXX. This request was made in XXXX and I still have not receive them after calling numerous times for a request. In order to file the police report they said I needed proof of the fraud like the statements with the address where they were originally being mailed to. Capitol one will not even tell me if this was an online application or paper. How was this approved with my recent Bankruptcy?
Plain green loans broken fair debt collection practices. And trick me into this loan with unjustifiable interests. They keep sending different amount to transunion credit when I check my credit report falsely accusing me of owing then XXXX and then XXXX this pay day lender slash loan sharks. XXXX. But now sold debt to XXXX, KS XXXX XXXX XXXX XXXX National credit adjusters XXXX XXXX XXXX and to mention this trying to collect a debt through a email. And never have they validate this debt.
Prove to me that the inclusion of this complies with this ferdersl law, or remove it. Correct?
Ive been receiving harassment calls for almost a year and tried disputing this fraudulent account Im not liable for several times. Now Im being threatened to be exposed on local newspapers also posting documents regarding this debt in 3 public places. They are now stalking me to job and home also left a paper stating its from a XXXX XXXX XXXX on XX/XX/2018. Its not my debt! Its scaring my family that random people are filling us trying to serve us documents. The debt collector is XXXX XXXX XXXX and contact information on the letter posted on my door is XXXX @ ( XXXX ) XXXX
I make monthly payments to PayPal Credit. They claim I am past due and assessed a late charge on my account and raised my payment. In the pay history it is clear that I pay every month as I see all my payments posted. They are not helping me through their customer service channels.
In 2013 I applied for mortgage refinancing under the HARP program with Wells Fargo. After submitting the proper paperwork the loan was apparently approved, as I was assigned a closing date. Two days before the assigned closing date I was told the loan was denied.After several inquiries and receiving no information I called my Mortgage Consultant at the local NH office and finally received a letter indicating the reasons for denial, which read ( " Underwriting researched your request and due to Agency requirements and our investor ( XXXX ) the following has been determined. There is aproperty type discrepancy. The subject property is an age restricted community of manufactured homes. The original loan to purchase the property was produced as a Single Family non-manufactured home with no mentioned of the age restriction in the file or the fact it was in a PUD. If underwritten properly at the onset, the loan would not have been approved and can not be approved now since the combination is not acceptable to the Agencies ( XXXX ). All of the above information is inaccurate and false as proven by the information on the recorded properly on the registered deed involved with the original loan. The refinancing rate would have been 3.75 % while my then existing mortgage rare was 6.65 % and still is 6. 6..65 %
phone number XXXX calling early morning around XXXX. thought there was a law that collection calls can not be made before a certain time.
THE VEHICLE IN QUESTION WAS A LEMON TO START. IT NEEDED A MOTOR AND A TRANSMISSION WITHIN THE FIRST 6 MONTHS OF BEING SOLD. IT WAS A JOINT SIGNATURE WHICH I DISCHARGED TO MY HUSBAND DURING THE DIVORCE. I DON'T HAVE ANY CURRENT INFORMATION ON MY EX HUBAND. I HAVE BEEN SUED IN REGARDS TO THIS LEMON OF A TRUCK AND HAD MULTIPLE THREATS AND NOW THEY REFUSE TO TAKE IT OFF MY CREDIT REPORT AS WELL, IF I HAD KNOWN THE LEMON LAW AT THE TIME I WOULD HAVE FILED A LAWSUIT AGAINST THEM. I HAVE NOT WORKED IN OVER 3 YEARS DUE TO XXXX AND THEY REFUSE TO TRY TO ASSIST ME ON THIS DEBT THAT IS ALMOST 8 YEARS OLD.
I believe Wells Fargo has used predatory practices concerning my XXXX. I acquired this loan XX/XX/XXXX I was not told by Wells Fargo that the second mortgage I acquired would be XXXX % rate at the time of purchase and I ca n't find any supporting documentations associated with this loan embedded in my loan document. 

My loan has been sold several times and they cant find the trail of my original document. The outstanding balance is XXXX due XX/XX/XXXX. I will not be able to pay this amount and risk loosing my home. I have been in contact with Wells Fargo several times since to help me resolve this problem and ask for help. I contacted XXXX in XX/XX/XXXX and they helped me contact Well Fargo. This was the first time I got an expedient response and I was told my application was declined due to my Loan to Debit Ratio. 

I am currently upside down on my home and the value has plummeted. I tried the Obama option, but was told again that my Debit to Ratio is too high. I was told that if I was not currently in debit they ca n't help. When I asked Wells Fargo again about my options, I was told I had to wait to closer when the loan matured. I was concerned that this would not be the best decision. I was told my only option would be a Home Line Of Credit at XXXX % interest pending an application.. 
I would like to roll the remaining balance into my first mortgage. 
I 'm currently afraid of loosing my home. 

Can you help in resolving this matter or have any advice? Thank-You for taking the time to read this correspondence.
Hard inquiries where made on my account that i did not authorize. I have called both Transunion, XXXX  and creditors all parties have been unwilling to resolve my issues 1 ) XXXX XXXX XX/XX/XXXX 2 )  XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XX/XX/XXXX 8 ) XXXX  XX/XX/XXXX 9 ) XXXX XX/XX/XXXX
Asset Acceptnce, LLC has re-aged the debt on several accounts they hold in my name. They are reporting in accurate earliest delinquency information to the credit agencies.I have sent letters to them to verify the debt and to send me confirmation of the first delinquency date. They failed to do that and sent me only a letter saying they will note my account as disputed. Each of the debts they hold was first delinquent in 2009. They are all scheduled to fall off my credit files this year after the 71/2 time frame elapses. The re-aging of debt is illegal and Asset Acceptance , LLC is doing this to purposely scar my credit beyond the 7/12 year limit. The accounts as of now that I am referring are : XXXX : # XXXX XXXX XXXX # XXXX XXXX # XXXX
To whom it may concern. 
McCarthy, Burgess & Wolff keep sending collection letters saying that XXXX XXXX owes money to XXXX XXXX XXXX. 
XXXX XXXX has had payroll deductions for workers compensation insurance since XXXX, never used XXXX XXXX XXXX. The account number does not match either. They have been sending these letters since XXXX. We would like this to stop if they can't provide correct information.
I.Q DATA INTERNATIONAL dba : XXXX XXXX XXXX, VIOLATED STATE OF ARKANSAS CONSUMER LAWS. ATTACHED PLEASE FIND LAWSUIT BEING SERVE TO YOUR FIRM VIA CFPB PORTAL. SEE YOU IN COURT.
I logged onto my Nationstar Mortgage account online, and noticed a new loan on my account. This new loan does not belong to me. The personal information associated of the borrower for this loan is available to me when I log in to my personal account. I believed this to be a significant failure of Nationstar Mortgage to safeguard the personal information of the mentioned borrower. I contacted Nationstar Mortgage customer service to notify them of this issue. The representative told me to simply delete the loan from my account. I agreed to do this, but told the representative that this was not an acceptable solution. I told him that I was concerned that there systems allowed for this borrowers information to be available to me, and that my information could be available to others. The representative did n't seem to care about the significance of this issue, and told me that I could file a complaint with Nationstar Mortgage. I then tried to delete the loan from my account, and the website failed to remove it. This loan and the other borrower 's personal information remain on my account today. I have duly notified Nationstar Mortgage of the failure to safeguard the personal information of the borrower, and they have failed to take any action to protect this information.
I have on many occasions reached out to First Guaranty Mortgage Corporation ( FGMC ) to resolve the mortgage issue. I had my mortgage refinanced through FGMC. I even contacted the representative from the company XXXX XXXX to assist me in the process of trying to get help for my mortgage, but he couldnt help me even though he was the person that got my loan refinanced. FGMC is very confusing. FGMC did not service my loan. They had another company by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX to be in charge of my loan. At first I was working with XXXX XXXX XXXX and then out of nowhere XXXX XXXX was taking over my mortgage. I contacted XXXX XXXX on 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, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I never had a chance to work directly with FGMC. Even on the first court document XXXX XXXX was the Plaintiff and I am the defendant. This stayed on until I contacted the courts and to find out why I am being tried on the same case by 2 different organizations. Now the court document has First Guaranty Mortgage Corporation as the Plaintiff and I am the defendant. The house that I have is an underwater property. When I applied for a forbearance and loan modification with XXXX and XXXX XXXX I never received feedback as to if I was not accepted nor did I receive any options before foreclosure. I was constantly being given the run around without giving me an answer and the next thing you know I am receiving court notices. I was transferred from XXXX to XXXX XXXX without even being notified of my status with XXXX. This is very frustrating and the lack of communication is not professional as well.