WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for a promotion through Citigold ( promotion # XXXX ) to receive XXXX bonus XXXX XXXX miles when I opened a new checking account. I was given misinformation about the details of the promotion via chat, and thought that it had been corrected after I received a letter from Citi following up from a previous CFPB complaint ; that letter clearly stated that they had extended the deadline during which I needed to make certain types of transactions for the purposes of the promotion. However, when I followed up to ask why I had n't received the miles, I received a form letter stating that I had n't made the qualifying transactions within the 60 days ( it did not acknowledge the extension ). I contacted Citi again and faxed a copy of the extension letter. I received a virtually identical response from Citi yet again. I just spoke with a manager on the phone who said that she would submit my request again but it was unlikely to change. She was unable to give me specific reasons beyond that letter for why I had been rejected. I believe I met the requirements of the promotion within the extended window of time and that Citi is not honoring its promotion and communications with me. 

I have actually wanted to close my Citibank checking account due to this abysmal customer service, however, I have been waiting until I receive the miles since I need to have an open account to receive them. However, I am being charged $ XXXX/month as the monthly fee for having this checking account! Meanwhile, it generally takes them about two weeks to get back to any of my requests. I would like the fees to be refunded for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as I should have received the miles in XX/XX/XXXX at which point I would have closed the account.
I applied for a XXXX credit card on XXXX/XXXX/XXXX and was denied by XXXX XXXX. The reporting agency Sagestream , LLC whom I 've never heard of gave them my credit score of XXXX which is XXXX points lower according to credit karma. I 'm in the process of rebuilding my credit after my divorce and check my score daily. This information is wrong and this company Sagestream LLC has many complaints logged against them.
A check was deposited by myself and the joint owner navy federal placed a hold on the check the hold was then took off and i have other payment providers through my online buisness navy federal then restricted my account due to activies that my online automated account modification programs automatically adjust payments posted from sales comission etc.since navy federal does not seem to understand the nature of my buisness a restriction was placed on my account and adjustments can not be made causing major financial losses of over {$1.00} a week. Furthermore a check deposited to my account appeared to be potentially to have negative status to my account navy federal reviewed this check placed a hold on the check even though myself or the joint owner hasnt attempted to access funds from that check until the institution clears or deems the check no good than its the banks responsibility to remove adjust or disregard a non valued payment instrument not the account holder this check was payment for a vessel that the bank has to my knowledge didnt honor or to my knowledge already adjusted this bank has violated also discriminated the nature of my buisness i am a XXXX also i XXXX XXXX XXXX XXXX XXXX XXXX the banks lack of knowledge of these ventures i believe the bank made an assumption of my character based soley on appearance made judgement and acted on a unprofessional way that caused my income to deteroirate also i still have account restrictions that i cant access certain things
There are XXXX separate accounts listed on my credit report. XXXX is a loan issued by XXXX and the other is a medical credit card issued by XXXX Bank. I have disputed both of these accounts. I never received a loan & the medical card was issued to my mother. Both accounts have now been sold to a Midland Funding , LLC & they call at all hours of the day & night and start yelling as soon as I answer. They call while I 'm in school. I 've told them the accounts are not mine and I 'm not sure how they got my phone number as I 've never applied for them. I was in High School when the loan was issued & I 've never had more than a part time job between semesters. I 've tried to explain this to them but they wo n't listen.
I had a credit card with first XXXX XXXX  where I had remained steady on payment s up to a few months ago I had noticed a credit card from XXXX XXXX that had over a XXXX charges. I had never opened the card and we had tried calling to dispute but they would hang up. I ended up paying in full and on my credit reports both accounts were listed as account closed by them. Now they are listing these accounts as open and with balances. How can they add money to cards closed. I never once seen a bill from them and I tore up the credit card. I can sow you bank statements and my old credit report which shows accounts closed and written off. Please I need help since they are ruing my life
I received a payday loan in XXXX of 2016. I borrowed {$200.00}. I was sent a contract ostating I had to payback {$68.00} every two weeks. I called a month ago asking about my loan amount and they told I had a second loan which I have no record of and there is no record when I login on their website. They have been charging {$120.00} every two weeks since XXXX. When I asked them to send me a contract where I had borrowed from them injure they sent me a XXXX contract again. I feel I have been taken advantage of because high interest payday loans have been prohibited in North Carolina. I am paying 708.08 % interest. Not to mention they have failed to provide me with a contract and there is no record of a XXXX contract on their site. There is no way you should be making on time payments to accompany and your payment amount is not decreasing nor is your principal decreasing over a years time.
On XX/XX/XXXX I purchased a bike from XXXX XXXX XXXX in california. On XX/XX/XXXX I contacted XXXX  XXXX XXXX and requested a full refund. They told me by email that it would take 24 to 48 business hours to process. Than I got another email saying that it will be 7 to 10 days. I waited than I co tacted netspend and they informed me that they didnt receive the right information to release my funds. So I got what they needed and contacted XXXX  XXXX XXXX. They said we have sent numerous emails and faxs to the company. Finally on XX/XX/XXXX my fiance called netspend and spoke to a supervisor and did a three way call to XXXX XXXX XXXX and had a supervisor on the line ... the netspend people told XXXX  exactly what to do. XXXX said they have done this so many times and will do it one last time. Unfortantley, i received an email that says the documents we received was not an approved document. My fiance called netspend today, 3 weeks later and netspend customer service said the document is being reviewed ... .I ont understand why they just cant contact each other via phone and take care of this matter once and for all.
Carrington Mortgage took over servicing my loan effective as of XXXX XXXX, 2015. Prior to the transfer, on a monthly basis, I was able to make my regular payment and an additional principal only payment electronically each month. However, with Carrington I currently do not have that option because they are taking exceedingly long to process my request for automatic debit from my checking account. I faxed the request on or about XXXX XXXX, 2015. My request has not been processed nor have I received any type of confirmation from Carrington that they received my fax and are working on my request. 

Since they have not processed my auto draft request, I am forced to make payments online. However, their online system is not equipped to accept my extra principal only payment electronically which is causing me undue stress. I travel Sunday through Friday of the work week. It 's very time consuming to go to the post office to purchase a stamp and envelope. However, I did purchase the stamp and envelope and mailed Carrington my extra payment on XXXX XXXX, 2015. I specifically waited until the online payment was confirmed before mailing the extra payment. I checked the principal only line on the payment coupon as well as wrote in large letters on top that the payment was " principal only ''. I even wrote on my check principal only. Even with the directions on the payment coupon and my check, Carrington still processed the payment incorrectly. They treated my funds as a regular payment and took interest and escrow out. I need help getting them to correct their mistake.
I am writing in reference to a released XXXX XXXX that is reporting on my XXXX and Equifax credit report as XXXX # XXXX. The XXXX is released and the documentation is attached to this complaint. I have filed numerous investigations in efforts to having this public record removed both by letter and phone most recentlyXX/XX/XXXX and the receptionist at Equifax stated that she could not remove it although it did not meet the current guidelines under the new law effective XX/XX/XXXX that any public record data must include Name/Address as well as Social Security Number or DOB in order for it to appear in your credit file. This is the same XXXX XXXX that XXXX removed from one investigation. XXXX or Equifax has not updated their information and per the new law the Released XXXX XXXX listed does not include all the required information and should be deleted from my credit report.
this is the copy of the voicemail the company left me ... lThis is an urgent message. We are trying to contact XXXX XXXX in regards to an active filing and delivery information packet. Your immediate return response is requested to XXXX. Failure to respond will result in immediate expedition of the case in decisions being made on your behalf without your knowledge or consent. Again you must contact us by XXXX at XXXX or press XXXX now to be connected.
I placed a fraud alert on my credit file on or about XX/XX/XXXX with the XXXX Credit Reporting company. I received an acknowledgement from the credit reporting company TransUnion on or about XX/XX/XXXX of the receipt of the fraud alert and it provided accompanying information on the method of receiving the free report associated with this status from the url fraud.transunion.com. This website was unable to process the request. A written request for the free report associated with the fraud alert was sent to TransUnion with the same documentary attachments requested of the free annual report. On or about XX/XX/XXXX TransUnion delivered another acknowledgement of the fraud alert on the account and its intent to inform the other two credit reporting companies of this alert. It has failed and refuses to meet its regulatory obligation of providing the free credit report. Please compel this company to meet its obligations and deliver the credit report.
I have worked and am still working in the XXXX for 42 years been married for 37 years and lived in and paid for this home 28 years. One day in the local paper is a notice stating our home is foreclosing. The judicial sale is taking place this Thursday XXXX XXXX. We are losing our home even though we did all the right things paid our taxes-paid our bills. Right now we have NO outstanding debt except this loan and a student loan. Our credit is excellent. So why would we stop paying on this mortgage? For what purpose? We got an attorney XXXX XXXX and we never met with an attorney. Even in court they did n't introduce themselves. Now we are out {$7000.00}. Please even tho it 's tempting do n't go with pop ups on the computer. They are just stealing from you. There is NO ONE that will help you They will steal from you and you will still have no where to live. This loan started with XXXX XXXX XXXX went to XXXX then to many others. I do n't even know all of the lenders that have changed hands over the 28 years. We paid off credit cards to XXXX and XXXX XXXX and they will not report the XXXX balances to the credit bureaus. Why are we being hurt this way? Why?
My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX, Texas XXXX. I have been in a pre-loan modification status with XXXX Mortgage for approximately two years with No resolution. My account number is # XXXX. I have been transferred to XXXX different representatives over this time period. My home has been in pre-foreclosure status twice. I have not been able to make payments on the account because of the modification process. Citi-Mortgage representatives have constantly requested and have received documents from me but has not made a decision on whether the modification has been approved or disapproved. On several different occasions I was informed that my file was with the underwriter only to XXXX that the underwriter did not have my file in review at anytime. I am sending this complaint requesting assistance with this situation. My home is my primary residence and I do desire to keep it. Thank you in advance for your assistance in this matter.
Over a ago I was working for   XXXX   XXXX   XXXX   XXXX   of  XXXX , Pa. and I found out that the owner   XXXX   XXXX   had my Social Security Card in his possession.   I believe he used it to apply for credit under my name. As a result I now have several bogus accounts in my name under collections by  XXXX  for   XXXX  ,   XXXX   XXXX  ,  XXXX  and  XXXX . None of these accounts I applied for myself.
Equifax has inserted an account onto my file that was previously deleted because it was a part of an identity theft affidavit years back. This account could never be verified properly and does not belong to me.
XXXX XXXX XXXX refuses to remove collection reporting on my account regarding an collection account previously with XXXX XXXX XXXX. Not only is the XXXX collection account a negative impact on my credit but there is also still another account of the original creditor XXXX XXXX XXXX listed as well. Both of these reports with both XXXX  and XXXX are severely impacting my credit score which I am in the process of rebuilding. I have opened a new secured account with XXXX XXXX and have come to agreements with several past creditors and collection agencies to remove negative information so I can better my credit profile. I am making regular payments and no longer have delinquent accounts. I would appreciate it XXXX XXXX XXXX and XXXX XXXX XXXX would show the same courtesy as all of the other companies have in my efforts to improve.
I attended XXXX in XXXX, GA from XX/XX/XXXX until XX/XX/XXXX and the school I attended closed down.
I recently checked my XXXX  Report. The credit report showed a credit inquiry by US BANK ( DATE : XX/XX/2019 ) that I did not recall authorizing. I am a victim of identity theft. Please help me to resolve this problem
TransUnion has XXXX XXXX Bank on my Credit Report and XXXX XXXX Bank has been paid in full and on time. TransUnion is still showing I owe XXXX XXXX bank {$260.00} and I should have a Zero Balance. I have informed TransUnion about this matter to no avail. I want an Investigation into TransUnion because only are also Guilty of Discrimination in Reporting of their Credit Score.
On or about XXXX XXXX, my information was improperly used to attempt to open a line of credit with XXXX XXXX XXXX. I had made no application with them and I contacted them to notify them that this was fraud. 

I was advised to place fraud alerts onto the 3 major credit reporting agencies. Equifax, XXXX XXXX XXXX. When I contacted each of them to place this alert, only Equifax then redirected me to sales to attempt to sell me credit protection services for over $ XXXX. I wo n't even go into how tone deaf the person was and their attempt to trick me via standard telemarketing tactics. I will say it does n't surprise me that at all that they would resort to the same slimy tactics as fake vacation voucher reps. 

I then placed freezes on all 3 reporting agencies. For the privilege of not having my identity stolen through a service they provide without my consent, I was charged {$10.00} by each of them and will be charged more to have it removed. 

Fast forward to yesterday XXXX/XXXX/XXXX when Equifax announces they had a major data breach in XXXX. I am very careful with my information and find it more than a little likely that chain of events went a little something like this. 

Equifax provides negligent stewardship of high value personal information for millions of people. Hackers steal it. Equifax then tries to sell me the privilege of having them protect me from the situation they themselves caused. When I want to tell them to not provide this information without my advanced consent, Equifax charges me {$10.00} to freeze it and I can pay to have it unfrozen later if I need it. Then to make sure no one has used my identity for any other fraudulent activity, I can either wait 6 weeks for them to send me a report or I can pay them more money. 

Equifax should not be permitted to sell services that protects from their own negligence and the extremely poor security around the core consumer credit market. Identity theft is trivial because the brunt of the damage and liability is not borne by the companies whose duty it is to protect. 

Legislation should be introduced that requires real security on credit portfolios and proper identification of the borrower before credit lines can be opened. The credit card companies finally figured out that they have to do something about the fraud because they were on the hook for it. It 's time for the credit reporting companies to feel the same pain or this will never end.
My original mortgage was by a bank in XXXX Ohio. Apparently, this bank sold my mortgage to PNC Mortgage. I was offered a better loan rate if I opened a PNC bank account. I opened the account because I was told that there was no fee on the account. PNC encouraged me to sign up for paperless billing, which I did as I thought it would be eco-friendly as well as cut down on mail to my home. I recently received a letter from PNC Bank stating that my bank account was overdrawn and they had tried to contact me previously. I know this is not the case as I recently refinanced my PNC Mortgage, which involved detailed discussions with all levels of staff within PNC and no one ever mentioned that PNC started charging a monthly fee for my bank account. When I called the PNC customer service number in the letter, I was told that PNC changed the policy XXXX years ago and that I had been incurring monthly fees ever since then. I was told that I would have to go to a branch and speak to a manager. I went to the nearest branch and told the manager that monthly fees had been charged against my account for XXXX years without me ever being given notice. I further explained that I only opened the bank account to get favorable loan terms and had no reason to further engage the account as it was a secondary account that had no activity since its inception ( other than the fees ). I did n't receive any statements because I opted out of postal mailings and I never established an online view because I was told there was no fees and I had no activity on the account. The branch manager said that she could only request a few months reimbursement for the fees and that I would have to make a complaint in order to receive my money back. My request was denied and the manager stated she could not override the reimbursement denial. I was told that the fees are assessed on any bank account with less than {$500.00}. I was paying a mortgage of {$3000.00} monthly with PNC.
In late XX/XX/XXXX, i went to XXXX to cash a money order in the amount of {$200.00} USD  from a friend in XXXX that was issued by XXXX XXXX. XXXX waits one month later and lies to me by telling me that XXXX XXXX money orders were no good in the USA and are now trying to extort {$230.00} from me. I contacted their corporate office and they were rude and vulgar towards me, despite me giving them the number to XXXX XXXX and for XXXX to contact them directly. XXXX persistently calls me up every day despite me telling them to quit calling me and to work with XXXX XXXX. I blocked their number on my phone and they use another number to call me and continue their harassment. I'm now at the point of having my number changed. They already charged me {$20.00} to cash a {$200.00} money order, whereas I received {$180.00}. Now, they want me to pay them {$230.00}. There's no excuse for them to wait one month and now contact me when they could talk directly to XXXX XXXX as they had 45 days to cash it before it becomes invalid. When they cashed the money order, they called XXXX XXXX, verified the money order and even received an authorization number, proving that it's good and valid. Now, a month later, they're harassing me with phone calls and trying to extort money out of me that I don't have as I have no income due to fighting with XXXX XXXX and trying to get my temporary total XXXX payments reinstated. My friend sent that money order to help me with paying rent and utilities. Please help put an end to this harassment, even if that means filing a lawsuit against XXXX? Thank you!
I have a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their  executive  level. After a review and despite the amount was in dispute and finally corrected they continue to report it as a negatively on my credit report.
I have attempted several times to figure out why the interest and principle amortization has not been adding in correctly. I get several vague answers that dont make financial sense, i have requested a copy of my original contract and the company claims that 2 times they mailed me the contract, but i never received it. But in the time in between requesting it and now, i have received physical copies of my actual billing statement. They claim the only way to receive the contract is by fax or mail. I requested by email and they have said they would ask but at this point i do not believe them. The business practice has been less than above board. They are over charging me from interest owed.
On XX/XX/XXXX, we sold a property and my title company wired the loan payoff funds in the amount of {$200000.00} to my mortgage company on that very day. The loan was not credited until 20 days later, on XX/XX/XXXX by XXXX XXXX XXXX. As a result, my mortgage company is currently reporting my loan as delinquent for the month of XX/XX/XXXX, even though it was paid in full. I have disputed this with my mortgage company and they are blaming their bank, XXXX XXXX for the delay in processing. I have spoken with my Title Company and they provided me with the proof of wire and transaction that shows the money was wired to my lender on XX/XX/XXXX. They also confirmed with their bank, XXXX, that the funds were wired. XXXX XXXX refuses to run a trace on the funds in order for us to determine why there was a 20 day delay in processing the payoff. In the meantime, my credit has been ruined because of the 30-day late currently being reported by my lender. I am a XXXX XXXX XXXX and having a blemish on my credit report because of another agency 's negligence is very unfair and can prevent me from being able to secure funding in the future.