WillisBack/dataset-financial-user-claim huggingface dataset:
Citibank closed 3 of my credit cards onXX/XX/XXXX, I did not request the closing of any of these cards. 

XXXX XXXX XXXX, Best Buy, and Citi DoubleCash. 

This complaint is regarding my Citi Double cash. 

I never been late on payments for any of these cards and I always paid them in full, except for Best Buy card that I had purchased products with free interested finance. 

My CitDouble cash also had about U {$30.00} dollars in cash back that they say ill not get it since my account was closed. 

They sent me a letter saying if I want a explanation I should call a number and ask or send a letter. I called the specific number put people cant tell me the reason why my cards got canceled, customer service keeps saying I need to send a letter requesting information. Why does it mention to call the number on the letter if I need to find out the reason why my account was closed? 

I really don't care about the cards cancelation since I have others. What is unfair is that they kept and won't pay for my rewards / cash back. Thats robbery, scam like. 

I cant access my information regarding my rewards online since they don't make it available anymore due the closing. Luckily I requested my last statements where I can see rewards amount. 

I just want what is mine since I earned it using my credit cards.
I deposited a {$5200.00} check at the branch on XXXX/XXXX/2016. The Branch manager that came to sign off on the check told me that it 's asking for a 7 day hold due to negative balance and past overdraw charges. The issuing bank for the check for the insurance company was XXXX XXXX and I told her I can go to XXXX and cash the check at the bank and deposit the cash do do n't have to wait 7 days, and then she said she would sign off for the funds to be available on XXXX/XXXX/2016. I asked her if she is sure, since I need to write bills and she said yes. On Monday XXXX/XXXX/2016 I called the Bank and asked why the hold was not released I was advised they are unable to release the hold until 5 business days after the deposit date and to call back Tuesday the XXXX/XXXX/2016. I called on Tuesday and was told to call back on Wednesday, so I called today on XXXX/XXXX/2016 and was still advised the hold will not be released until Friday XXXX/XXXX/2016. It has been already 7 days since the deposit and 5 business days and hold has not been released after I have been promised it would. I got another check from the insurance company and had to go to XXXX XXXX to cash the check and make a cash deposit of {$2800.00} on Monday XXXX/XXXX/2016 to cover the negative balance since the hold was not released on XX/XX/XXXX as I was promised and the account went negative and I was charged fees. The insurance checks were a payoff for my motorcycle and I 'm purchasing a new one with the proceeds I got. I want a refund for all overdraft charges on the account from XXXX/XXXX/2016, the date I deposited the check and I need at least XXXX of the funds to be available on Thursday XXXX/XXXX/2016 for my down payment. Otherwise, I 'm going to miss the incentive promotion that the dealer has going, XXXX off the value.
I spoke with XXXX XXXX, formerly known as XXXX XXXX and their affiliates XX/XX/XXXX about a discharged debt from XX/XX/XXXX that was placed in collections. This debt was filed in Chapter XXXX Bankruptcy as of XX/XX/XXXX, and discharged XX/XX/XXXX. I spoke to them and was advised to speak to the collections agency, and attorney that it was placed with, after speaking to the collection agency, i was advised that the debt was reporting correctly as discharged. I called them back and was advised that the supervisor would be assisting me in taking care of this situation. I tried to call her after a missed call, and never received another call. I received my consumer report from Microbilt and never received a response in regard to why this showing on my credit as well as why it still showing as a debt with XXXX XXXX ( better known as XXXX XXXX ). I 've recently spoken to XXXX XXXX who stated that they were not aware of this account being in bankruptcy, which is incorrect information they were informed months ago, as well as by me last month, and then blamed my attorney stating that they were n't able to contact him regarding the debt. Everyone received a letter from the court advising them of the discharged debt. XXXX XXXX aka XXXX XXXX is no exception. The person i spoke with the manager ( XXXX ) who had a very distasteful attitude with me, because i was upset about her disregard for the fact that the company was very aware of the CHXXXX and been given time between my call early last month, as well as my dispute, still i have not received a solution.
Our PMI dropped off of our mortgage payment changing the amount owed for XXXX 2015. I was waiting for our payment coupon book to be sent to make the payment. This is how I have always paid our mortgage for the two plus years we have been with Provident Funding. When I did n't receive the coupon book I call Provident Funding on XX/XX/XXXX, to ask what was happening. The customer service rep. informed me that the new book was ordered XXXX XXXX and I should receive it in the mail by the end of the week. That was all he told me. I finally received the coupon book XX/XX/XXXX ( Sat. ). I mailed the payment in on XX/XX/XXXX ( Tues ), due to the XXXX XXXX on Monday. I knew the grace period was up on Friday XX/XX/XXXX, but I hoped the check would make it in time and since they had sent the coupon book late I felt reassured that they would n't charge me a late fee, since the delay was caused by Provident Funding not issuing my new payment book in time. Provident Funding did not receive the check by XX/XX/XXXX ( they cashed it on XX/XX/XXXX ) and have since charged me a late fee. I called several times to explain that it was n't my fault it was late, but they refuse to wave the late fee and say I should have paid online. I explained that I was never advised to do that. I always pay with the monthly coupon book. I was treated poorly by all the costumer service reps. One supervisor even suggested I was lying about calling on XXXX, even though I called from my cell phone at XXXX XXXX ( EST ) and have a record of that and provided them with that information. They say they ca n't locate that call. They told me they could n't wave the fee, then admitted they could. When I asked under what circumstances would they wave the fee, they replied " When Provident Funding is found to be at fault. '' I pointed out that they were at fault when they ordered me my payment book the day after my payment was due. They were forcing me to pay late. I got no where with them and am complaining because of the terrible way I was treated.
I called into Americash customer service line to inquire about a notice I received on my loan. The notice was a " Notice of Adverse Action '' sent on my account XXXX times ( latest being dated XXXX XXXX ), but payment was made on time. Called into customer service and spoke to " XXXX ''. XXXX was extremely rude telling me to just disregard the letter. I seemed to be annoying XXXX when I continued to try to get an understanding of what was going on. I asked XXXX could I speak to a supervisor. He came back 1 min later and said no one was available. I told him I would just hold until XXXX was available and he says " just call back! ". I said fine.. my intentions were to call back to speak to another representative. I asked for his name again and he said " XXXX ''. Then I asked for an additional way to ID him. I asked for ID number and he says " It does n't work like that and just call back! ''
I have a revolving credit card with Citibank. I have had an account there since XX/XX/XXXX. The maximum limit on that account is XXXX. The current balance is {$12000.00}. I used it to travel with a year ago and I have been paying it off monthly. I am not using it until I pay off the balance and I have not missed a payment, in fact I usually pay more than the minimum required payment. As of XX/XX/XXXX I received notice that my interest rate had been increased from 18 % to a punitive 29 %. I have never had a late payment and there is no reason for them to jack up the interest rate to a punitive level.
On XX/XX/XXXX I, XXXX XXXX, filed CFPB complaint number XXXX. The complaint involved Bank of America not responding to a Qualified Written Request for loan documents related a HELOC we have with Bank of America. XXXX XXXXnformation : Lendees : XXXX XXXX and XXXX XXXX Lender : Bank of America Loan Number : XXXX As a result of the complaint Bank of America provided the signed documents. However, Bank of America claims that {$160000.00} is the maximum amount that was available for borrowing on the HELOC and that my wife and I owe approximately {$160000.00} of that amount. The signed documents only indicate an amount of {$130000.00} as the maximum that can be borrowed against the equity of the home we own. They have not provided any signed documents that the maximum amount of the HELOC is {$160000.00}.
This was from XXXX I called and cancled XXXX the person I talked to said there was no problem Just send a piece of the XXXX back. They even sent me a box for it. I dont try to cheat anybody so i feel that Idont owe anything to XXXX XXXX
Ocwen loan servicing, llc Ocwen has failed to credit my my loan payment. on XX/XX/XXXX my bi weekly payment was paid through XXXX XXXX my Bank statement shows it was paid Ocwen contacted me on XX/XX/XXXX to tell me they have not received my payment The amount is XXXX XXXX XXXX dollars XXXX XXXX cents. Ocwen told me the payments were handled by pay map phone XXXX That I should call pay map will do so Monday XX/XX/XXXX Can Ocwen charge me with late fee as I did my part, thank you
I filed bankruptcy. Bankruptcy was paid in full 6 months ago. Now my mortgage company says it did not cover the deficit. I do not know how. They well fargo got XXXX From a lawsuit from the bankruptcy. Now they are putting me on a payment plan. Which raises me up to a full 30 years. They are raising my intrest rate. Not offering me the tha plans that are out there. Loan number XXXX. What can I do or get done about this. They have already don illegal stuff as is. I am now getting somewhat reimbursed from a class action lawsuit.
SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short sale was started on XXXX/XXXX/XXXX. SPS spent 3 months using purposeful miscommunication and 'misplacing ' documents as a way to delay decisioning on the file in an attempt to defraud their investor in order to collect their 'double-fee ' for servicing a defaulted loan. 

On XXXX we were told the value came back at XXXX and refused to give a counter amount. 

On XXXX we sent a counter offer and contractor bids for the value dispute. 

On XXXX SPS decided they will no longer accept contractor bids for the value dispute and they require a BPO or appraisal for value disputes. 

SPS then started their second round of delaying tactics - purposeful miscommunication and 'misplacing ' documents. Requesting XXXX version of a form, and then the next week requiring something different. They also started requesting documents that had been sent to them over 4 months prior. 

These delay tactics have been going on for FOUR MONTHS. 
Today, we found out that the file was closed out on XXXX/XXXX/XXXX. NO ONE INFORMED US WHEN WE TALKED TO THEM ON XXXX/XXXX/XXXX. 

This is nothing but gross incompetence and delay tactics on SPS 's part.
Citibank had offered a modification on my equity loan and I agreed that it would certainly help however I was not delinquent at all. My loan was current and I was never late. They told me not to make the XXXX payment and to follow the new schedule and make to start making the payments XXXX/XXXX/2016. Well they completed the modification and reported to the credit agencies that the loan was late! This has now serious affected my ability to purchase a new home. The lender was all set to move forward with my mortgage until they saw the XXXX late payment. I have the 20 % to put down, enough in reserves, was per-approved, never missed a payment on my mortgage or equity loan in twelve years! I need Citibank to remove the " late '' report so the lender will process the loan. Please help!
i WAS CONTACTED 6 MONTHS AGO BY VAN RU CREDIT CORP TO COLLECT ON A DEFAULTED STUDENT LOAN THROUGH XXXX XXXX. VAN RU HAD STARTED GARNISHING MY CHECK AND TOLD ME THAT IF I PAID XXXX A MONTH FOR 5 MONTHS THEY WOULD SUSPEND THE GARNISHMENT. i FULFILLED MY END OF THE AGREEMENT AND THEY ARE STILL GARNISHING MY WAGES. i HAVE CALLE DAND SPOKEN WITH REPS AND TWO SUPERVISORS ABOUT THE SITUATION. tHE FIRST TIME I WAS TOLD THAT IT TAKES 7-10 BUSINESS DAYS. i WAITED THE 7-10 BUSINESS DAYS AND CALLED BACK THEN I WAS TOLD THAT THEY HAD TO TALK TO XXXX XXXX IN ORDER TO SUSPEND THE GARNISHMENT. i WAITED ANOTHER WEEK ONLT TO BE TOLD THIS TIME THAT XXXX XXXX HAD NOT RESPONDED TO EMAILS. i CALLED BACK 3 DAYS LATER AND WAS TOLD THE SAME THING. MEANWHILE THEY ARE STILL GARNISHING MY CHECK.
I received an alert from Experian on XX/XX/XXXX decreasing my score and my credit rating. There were no new inquiries or information stating why. Can not speak to a live representative with Experian.
I have attempted to sell my property through a short sale and have a qualified buyer, but my lender Bank Of America will not allow it. They are telling me there is not enough time to evaluate even though I started the request in XXXX, received the approval to participate in the XXXX short sale and an appraisal was even completed. Bank Of American is saying there is not enough time and I feel that this is not fair! This is ridiculous! I understand I have not been the most responsible with my payments, but I could n't help losing my job and dealing with the hardships has been a challenge to get back on my feet. Everyone goes through ups and downs and I want to do what I can to resolve my debt with my mortgage company. This is why I am trying to short sale the home and avoid foreclosure so I can put this past me and grow. My credit has already taken a huge hit and I would like to save it as much as possible from the foreclosure and close with the buyer we have the home under contract with. Bank Of America has wasted so much of my time with a loan modification and never provided updates or other options to help us. It has been extremely frustrating! They set us up to think they were working on the loan modification and in reality they were ignoring us. Every time I would call for updates, I would get the same response that the file was still under review and that a retention manager would get back to me. Next thing I know my home is on the foreclosure list for the following month. Due to the lack of communication and returned calls, I am filing this complaint with Bank Of America. I feel it is because of THEM that I " do not have enough time '', to complete the short sale. If they would of gave me other options I could of started this process a lot sooner. Now I am against a deadline and desperately trying to save my home. I feel that I have been taken advantage of by my mortgage company and feel that this is a wrongful foreclosure. I have always been on time until I lost my job. I want to escalate this to a manager and will continue emailing and calling everyone up the chain at Bank Of America until I am provided with fairness. For XXXX sake, I have a buyer that is ready to close if Bank Of America will just allow it.
My county tax office had not received the data to change the tax rate of my residence. I rectified this issue and sent the refund check to Wells Fargo to put in the escrow account. I went down there with the receipt of this check and explained that my escrow account needed to be adjusted for this tax change. They assured me that in the mass re-analysis on XXXX XXXX that this would be reflected. While the re-analysis has been done, and my mortgage decreased by XXXX dollars, it did not reflect that change in expected real estate taxes. This means that for 1.5 months I paid XXXX dollars more per month on my mortgage, and with this change I still pay XXXX dollars more per month on my mortgage ( the only change reflected was the refund check going into the escrow account ). I did everything within my power to give them all relevant information regarding the updated tax rate, and it is still not being reflected. This is undue hardship to expect me to pay more mortgage when I have evidence and presented it to a wells fargo office which indicates that their real estate tax expectation is incorrect. Furthermore, Wells Fargo has now twice changed my mortgage without notifying me in any way of my account needing attention or my payment being changed. They should give consumers as much warning as possible that a change is going into affect and give them options as to how to mitigate this ( i.e. one time payment, or mortgage payments increased ). It also causes un-due hardship for the lender to postpone a re-analysis of all mortgage accounts until XX/XX/XXXX. They received the updated real estate taxes in XX/XX/XXXX. If they are n't going to alert the consumer to the potential need for a one time payment, then there is no reason to wait 4 months into the new year, with the account being behind, to re analyze the payment. Now the payment increases even more because it has to make up for the negative balance in addition to the increased expectation of the escrow account. Wells Fargo should take steps to ensure that the consumer is aware that their mortgage will change, and also to ensure that they make changes at the most appropriate times in order to affect consumers the least. How Wells Fargo handled this situation could definitely cause a less sophisticated consumer to default on their loan payments, and even when I brought all relevant documentation, they have still failed to rectify the situation.
On XX/XX/2018 I called my mortgage company Ditech due to my bill payment. After they resolved my bill payment problem, they solicit me and told me about refinancing my mortgage. The representative told me about the program and asked a few questions and asked me if I would be interested. I said yes. They sent me papers to sign electronically, didn't disclose the interest rate or anything in detail, just general questions. Next think I receive a credit report in the mail. Ditech pulled my credit without my knowledge. The representative did not ask me if it was OK to pull my credit. They had all my personal information and I guess they felt it was not necessary to ask. I would have told the representative not to pull my credit. He sent me paperwork to sign a refinance and if I would have gone through the paperwork, I would have done something I did not authorize. They continue to send me paperwork with urgency to sign. This is not the way to treat consumers.
I even have on my greeting that if it is a solicitation to remove me from whatever list, yet I continue to get a call from them AT LEAST once a day, sometimes several times per day. They never leave a message.
In XXXX and XX/XX/XXXX XXXX did not post payments to my XXXX 's account in a timely manner. I have repeatedly provided documents from XXXX XXXX   to prove those payments were made, in full and on time. XXXX charged late fees for bills paid in full and on time. Then they repeatedly charged additional late fees for the unpaid late fees until they got to {$290.00}. They stopped charging the late fees when they " ACKNOWLEDGED '' that they had in fact received both payments on time and in full : XX/XX/XXXX paid in full {$370.00} XX/XX/XXXX paid in full {$170.00} In spite of the fact that XXXX provided the documentation proof, XXXX did not remove the charge for late fees of {$290.00}. Several collection agencies call and harass me and my family trying to get ILLEGAL FRAUDULENT late fees paid. They continual add these late fees to my credit reports as NEW items hoping that I will just pay them anyway.
Applied for and approved for Capital One credit card. Received card and account was restricted pending additional documents because of suspected identity theft. Called Capital one on XX/XX/XXXX or XX/XX/XXXX to help get ID submitted. They provided a new link via email and instructed me to take a picture with case number by picture. Submitted picture and called on XX/XX/XXXX to check on status at which point was told account was permanently restricted. Offered to send any other document they needed to verify identity such as a bill or W-2 and they refused to help any further. I originally submitted a state issued Alabama driver 's license as requested. They said the account would remain on my credit regardless of whether the account could be used. In my opinion, they should not have issued and sent the card if they suspected identity theft and also should have allowed me to send additional documentation to prove identity, which I would have gladly done. They should remove account from my credit report if they are going to refuse to help me clear this up.
back in 1985 my father win the XXXX lotto for XXXX XXXX XXXX XXXX XXXX u.s dollars he was getting us XXXX a year XXXX taken out income tax plus all is money was going direct deposit electronically deposited to wells fargo bank when my father die my lawyer rite the bank to fine out how much money he had in the bank rite back to us .dollar fixed deposit of {$490000.00} us dollar savings of us XXXX XXXX regular savings {$XXXX} XXXX tt dollars and a XXXX XXXX of {$19000.00} tt dollars when we when to the bank to get the money they said that the XXXX us account is not there that they made a mistake that is not true. The banks are stealing us government dollar and people are suffering my sister have XXXX and this money will help.
All of a sudden on XXXX XXXX, XXXX Equifax STOPPED reporting to XXXX XXXX therefore preventing me from accessing my credit score. I reached out to XXXX XXXX and this is what I was told ... XXXX '' I can see that we are receiving an error when your account attempts to receive updated information from Equifax XXXX Unfortunately since this is an error generated by the Bureau we are unable to bypass it on our end and have limited insight to it, please contact Equifax. '' Bc of Equifax throwing that security freeze on my account numerous times w/o my permission this is what I have to go through. I never asked for it and when she said its one of the two either information updated or a freeze was placed I knew exactly it was bc you kept throwing that freeze. PLEASE DONT RESPOND AND SAY THERE IS NO FREEZE BC I AM AWARE OF THAT. Just please get with XXXX XXXX and resolve this. 

Thats what I was told. I was told it could be bc my information has changed or there was a security freeze on my account. I advised as of today there are no freezes or alerts and information is the same. Even contacted Equifax spoke to Supervisors was on phone for 45 minutes TO NO AVAIL. They had no clue what I was talking about and kept saying " we dont do anything with XXXX XXXX '' um DUH I know that they are just lazy. Please get this corrected so that my information can get sent to XXXX XXXX and I can receive my score. I ', m done calling Equifax I called 12 different numbers I AM DONE WITH EQUIFAX. XXXX updates fine its only Equifax. XXXX XXXX cant to anything.
CapitalOne is blocking 3rd party apps from downloading data. This makes XXXX impossible to use as well as services like XXXX. I have a right to my data.