WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, MI XXXX ( XXXX ) Attention : XXXX XXXX XXXX XXXX XXXX XXXX Chief Compliance Officer Reference to : CFPB Complaints # XXXX # XXXX # XXXX plus This complaint! 
plus Attached 4 documents to this Complaint. 

As of XX/XX/2018 I have yet to receive the refund check that XXXX XXXX XXXX has several times now has stated that the refund check " has been placed in the mail '' as agreed, but has failed to actually comply with! 

XXXX of XX/XX/2018 states a refund has been issued on XX/XX/2018! As I have informed you that I have not received this refund and the address listed on this letter is almost 2 years old and the home has been foreclosed and vacant for the past year! 

Letter of XX/XX/2018 then states that a refund was issued on XX/XX/2018! Again I informed XXXX XXXX XXXX via email on XX/XX/2018 that I have not received the refund and also due to a change of address error with the USPS that all mail is being forwarded to my son 's home! Since every piece of mail received  from XXXX XXXX XXXX has been with the USPS service of " Return Receipt Requested '' this mailing would have been returned to the sender! 

Also, an email sent to XXXX XXXX XXXX general email along with an email to XXXX XXXX, the Chief Compliance Officer, both on XX/XX/2018. To which there has not been any response from either XXXX XXXX XXXX or the Chief Compliance Officer, even though I requested them to email me a response.

I also subscribe to the USPS Informed Delivery Service that emails me a photo of all first class and traceable items each day, in either case no such mailing has been recorded from XXXX XXXX XXXX. 
It's now been 46 days and 4 Consumer Financial Protection Bureau ( CFPB ) complaints and still do not have XXXX XXXX XXXX 's refund as stated they would provide in CFPB complaint # XXXX response XX/XX/2018 and their letter if XX/XX/2018! Also CFPB complaint # XXXX response XX/XX/2018 and their corresponding letter. 

It's apparent that XXXX XXXX XXXX has not actually mailed a refund check for this issue since ALL other correspondence has not had any problems being mailed and delivered in a couple of days. Yet after 7 weeks their refund check has seemed to consistently get " lost '' in the 40 miles or so journey to my mailing address! Why? 

RESOLUTION EXPECTED That a certified check in the agreed amount of {$520.00} USD be IMMEDIATELY mailed by certified mail with tracking or hand delivered to me! Sufficient notice and all tracking information be given prior to mailing for certified mail or sufficient notice for hand delivery. To ONLY this address! 

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Also a photo copy of certified check and all delivery information be attached to XXXX XXXX XXXX 's and Capital One 's response to this CFPB complaint.
on or about XXXX XXXX 2017 I received a brochure from XXXX XXXX Master card ( Barclaycard ) Offering me to Upgrade my present XXXX XXXX Master card to a new XXXX XXXX Master card Plus foe an annual fee of {$99.00}. When i called i was told that i did not qualify at this time and to call back in 24 to 48 hours. I called every two days for almost three weeks and was told the same, that i did not qualify. No one could give me a reason why i did not qualify. Frustrated i filled out an application for this new card and a few days later i received the new card. I called Barclaycard to have my balance transfered to my new card and was told i had to pay off this balance of {$1700.00} and would not transfer it to my New XXXX XXXX XXXX. I explained to this manager that i had received a Brochure for an upgrade and was told i did not qualify. My complaint is that if i was able to upgrade all balances would have been transferd with no problem. My FICO is XXXX.My credit is excellent. I still have this brochure with my last four digits printed on it. This is deceptive advertising
I received an inquiry on my credit report on XX/XX/2018. I am not applying for anything. I called the Allstate Credit bureau which is listed and they indicated I should call a XXXX XXXX I did not authorize this inquiry and it should be illegal to pull someones credit. Allstate Credit bureau also not not have a valid license to collect in the state of Michigan. I have no clue what is going on. My credit was pulled without approval by an unlicensed or bonded company in the state of Michigan.

Their inquiry or attempts to collect on anything that has not been verified or validated while they are not licensed must be cease and deleted from my reports. I am not in any way acknowledging anything because I dont know whats going on but they are not licensed if bonded. Michigan requires the license as well.

If the need is present to go to my attorney general and XXXX I will Thai is wrong Im so many levels.
Dear Madam/Sir, Chase Bank cancelled my credit card then reinstated it via your help ( please see docs ). after reinstating, they are not sending my credit card statement hence creating a scenario of me defaulting. This is not a way to retaliate. Please help as I am becoming a victim here. Card # XXXX. 
Very Sincerely, XXXX XXXXc.c. XXXX XXXX Chase Executive Office
I am a victim of a deceptive unfair trade practice of two car dealers and two banks who sold me vehicles with liens on each and made me liable for two car notes that exceeds my current income. Both vehicles were sold on an as is basis with over 100,000 miles and older models. Both dealers took down payments financing the vehicles for more than what they were worth. I was never shown these vehicles before any loans was finalized.
On XXXX/XXXX/2015 my bank card was lost and someone began using my card right away, making purchases that I did not authorize. I immediately contacted US bank and informed them of what was occurring. While on the phone with the representative I identified transactions that occurred throughout the day of " my '' spending. The representative then identified transactions that he say occurred and I was able to inform him of transactions that I did and did not make. He stopped the card and while on the phone he indicated that he could see transactions occurring that where coming back as declined. Before we ended our conversation I learned that XXXX of the transactions was reversed for some reason, ( I later learned from the store that the individual that was trying to make the purchase with my card ran out the store when asked for my signature, the manager of the store was able to show me the receipt ). I have been monitoring my account and did not see anything else reversed on my account nor money added. I received a letter in the mail a few weeks ago indicating that the investigation was complete and that they were charging my account for some of the purchases that I had already made and initially told the representative that I had made. Also the purchases that I did n't make I was being told that they were authorized and would be charged back for them as well. I began calling US bank for several days requesting to speak with the agent that handled my claim only to speak with their voicemail. I have provided XXXX different numbers to be contacted at and as of today I have still not received a call from the agent.
I have not received a final response, and it 's has been months since I mailed the attachment dispute and demand. My attachment provides detail information and the law violated by the credit reporting agency. In fact, I have complained to XXXX and XXXX are all practising the same scheme of reporting the same false information and I have complained to them as well. I have also learned that this practice of update consumers report with on time payment to avoid deletion of accounts is being done to my daughter XXXX and my Friend XXXX. I am of the belief this scheme is being done to thousands of consumers.
applied for CareCredit for my dog 's XXXX and the XXXX charge XXXX/XXXX/16 and I guess I was on a " deferred credit '' plan that I understood as they would charge interest back to the beginning but calculate it base off the monthly balance deferred not the whole balance even amounts they were not carrying. My deferred credit deadline was XXXX/XXXX/16 and my balance was less that XXXX and I was charged {$380.00} interest and was told that was calculated carrying the full balance even though they did n't the full 6 months. 
I understand calculating deferred interest based on what the balance would have been but on a balance they did not carry seems wrong. I would like to understand how these charges can be lawfully calculated and find out if I was overcharged. I would like my account reviewed to verify my charges are " legally calculated ''.
First let me make clear that I am not using ANY credit repair company! I am a regular person who is tired of getting the same reply to my letters no addressing the information requested. I have been requesting that this company validate all the collection notations they have been submitting to the three major credit reporting agencies using account numbers XXXX, XXXX and XXXX. They continue reporting inaccurate information. It's like they don't care. On my last letter, I demanded validation and requested to be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable.
Criminal Extortion DEBITS OF CHECKS {$25.00}, {$25.00}, {$24.00} PROCESSING BLIND FUNDS EMPLOYED AS BANK PROBATE ; PRAECIPES, NOTICES OF APPEAL, BANK STATEMENTS ; XXXX XXXX {$25.00} # XXXX, XXXX {$25.00} # XXXX, HISTORICAL ACCOUNTABILITY WITH HUNTINGTON BANK : TWO PREVIOUS BANKS CRIMINAL EMBEZZLEMENTS ; {$200.00} Deposit Trust Collusion into Checking XX/XX/2019 PARENTS TRUST AND ESTATES LIVING RESIGNED AS THE FUN SUCCESSORS ADOPTEES XXXX COUNTY 2014-PB-v-998, 2016-PB-V-247 ; XXXX COUNTY OHIO COURT OF APPEALS, SEVENTH CIRCUIT COURT ILLINOIS.
I closed my HSBC Online Payment Account in 2018. There was somewhere between $ 100- {$200.00} in my account at the time. Before closing the account, I updated my address to my current address. 

HSBC never updated my account and never sent the check for the closed amount. 

I have tried to resolve this with HSBC 5 separate times. Each time, after 30-45 minutes on the phone, they promise to send the check. 

They have effectively stolen these funds at this time. I am beyond upset.
In XXXX I received assistance from the program provided through XXXX to receive a home modification from Bank of America. I was under the understanding that the final result meant that my home loan was modified to reflect a 30 year fixed lower interest rate and a fixed monthly mortgage. In XX/XX/XXXX I was informed by Bank of America that my modification of a lower interest rate was fixed for 30 years, but the modification for the mortgage was for interest only payment and for only 6 years. I was informed that my mortgage, in XXXX, would double which makes it impossible for a XXXX year old senior to pay. I have tried communicating with Bank of America in an effort to get them to put me in a Principal Reduction Program because after Bank of America did an appraisal on the home they realized that the home is under water and is worth far less that I owe on the home
When we filed our first complaint, we stated that our desired resolution was the return of the fees caused by PNC 's manipulated transactions in addition to any subsequent fees caused by said manipulation. 
They only returned the original fees. Thus our account was still owed {$72.00}. We live pay check to pay check and can not afford these fees. We decided to part ways with PNC, but we went negative by {$9.00}. Had they not stolen the original {$72.00} from us and caused us to be short then applied another {$72.00} in fees, we would have had the money to cover it. What they are doing to us is no less than highway robbery. 
I requested the account be closed immediately. They have ignored me, saying it can not be closed with a negative balance and it continues to accrue fees, which they 've threatened to come after us for.
Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores.  One of those factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in 2016 and the most recent one by the mortgage broker. I was concerned, so I requested m y credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect m y credit score.
I finally got my modification finalized and I asked that the company put in writing that my mortgage investor does not participate in forgiveness of principal. I put this request in writing XXXX in the month of XXXX 2015. To date I have received no response. I was sent a form for automatic debit of my new mortgage payment and when it was n't debited I called in to find out why. They stated they were behind and would set it up. XXXX XXXX was my first payment date and nothing has been debited. All the credit bureaus are showing a past due mortgage balance and do not reflect my modification. I contacted my mortgage provider, Rushmore and they stated in XX/XX/XXXX this would be taken care of at the latest XXXX XXXX. Nothing has happened and I am being denied business loans. 

I have proof of all my claims, delivery confirmations, names of employees that I spoke with etc ....
I was invited to open an checking account with us bank, and get {$200.00} bonus if meet the spending requirements. 

After I met the requirements and waited for 5 months, the bonus still does n't shows up. 
Tried multiple calling with customer service, branch representatives without solution.
CFPB I am filing this compliant because Trans union Credit Bureau is refusing to start a dispute and claiming they never received my dispute letter which is a totally false. I sent this letter certified. On XX/XX/XXXX. I sent Trans union a dispute letter because these following accounts, XXXX XXXX XXXX Account number XXXX, And XXXX XXXX XXXX Account number XXXX, And XXXX  Account number XXXX, And XXXX XXXX  Account Number XXXX Are unverified accounts and violate the Fair Credit Reporting Act. CFPB please be advised that this is my 4th dispute letter requesting Trans union to disclose all information about these accounts under section 609 ( a ) ( 1 ) ( A ) i wan na see a consumer contract with my signature on it.The last three dispute  letters Trans union did not comply. I have a membership with Trans union online product which updates every 24 hours and shows when accounts are open disputes. On XX/XX/XXXX i logged in on the Trans union product online and updated the report and notice that there was not NO disputes open so I started tracking the certified letter i sent to Trans union and it showed that they received that letter on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX i called Trans union and spoke with a rep name XXXX And he stated they never received my dispute letter so i asked to speak to a supervisor which one got on the phone name XXXX he stated the same thing i also made a call on XX/XX/XXXX and they stated the same thing i also called Trans union today on XX/XX/XXXX and spoke to a rep name XXXX he stated the same thing there is no dispute letter they received so i asked to speak to someone higher then a supervisor he transfered me to someone in the United States special handling department as the rep stated and i spoke to someone name XXXX and he stated that there was not a dispute letter received. This is not fair that Trans union is not starting a dispute as i requested and someone from Trans union signed for my dispute letter because i received the certified receipt that they signed for it on XX/XX/XXXX. In 8 days makes 30 days that Trans union had this dispute letter and they never started a dispute yet this is not fair as a consumer i have the right to dispute any account thats listed on my credit file i believe that Trans union is refusing to dispute these accounts because they do not have all the creditors Original documentation that i am requesting to see and been requesting since XX/XX/XXXX. I will provide evidence the dispute letter and the certified receipt Trans Union signed when they received that letter.
In XX/XX/XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XX/XX/XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX XXXX XXXX XXXX, XXXX, XXXX advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XX/XX/XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX XXXX XXXX XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?
The CC company refused to explain why/how a payment I made was put on hold.

There were 2 payments made to the CC company one day apart.

The amount of the first payment was higher than the second.

For 15 years I never had a returned payment however on this occasion the company " held '' the first, larger amount, of the two payments.

I challenged their action as I needed to understand why : a. A payment had been put on hold b. Why the first, larger amount, had been selected to put on hold and not in the order received.

The response received simply stated it was within the regulations to do so.

Finally, after months trying to extract an explanation of why/how the action was taken, I was instructed not to make further contact as I would no longer receive any response.

Should a copy of the letter from the CC company be required ; please advise and I will locate, scan and email to an address you provide?
My payments have been deferred since day one on my student loans due to my family size versus my income. My loan payments have been reported late after I have completed all necessary paperwork and mailed it to the correct places. The first loan payment I have every made was this month XXXX. Before this date I have always been deferred on all of my student loan payments. One credit company removed all late payment from my report just recently after I filled a complaint. I filled the same complaint with Transunion and they did not remove the late payment. I could have never been late when all have been deferred for the life of the loan. This has cost me thousands in interest fees on other loans due to them reporting me late. Please remove all late payments from my report on all student loans since they could have never been late based on all loans being deferred for the entire life of the loan until XXXX. As of XXXX I started making income based payments on my student loans since I now make enough money versus my family size to do so.
XXXX has been non-compliant with removing the unverified account ALLY FINANCIAL XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I am filing a complaint against  Quicken Lo ans. They have fraudulently sold me a home appraisal that I was not able to use. My wife and I were in the process of purchasing a home :  XXXX   XXXX   XXXX  in  XXXX , Ga  XXXX .  XXXX  of the last few things before closing on this house that we had to do was get an inspection, appraisal, and close. The inspection was completed on Friday   XXXX   XXXX   XXXX    , and the appraisal paperwork was signed and sent over on Monday morning,   XXXX   XXXX   XXXX    .     The cost of the appraisal that  Quicken  Loans charged my card was in the amount of {$480.00}. These funds were taken out of my checking account on   XXXX   XXXX   XXXX   and I have attached a photo of this transaction. Unbeknownst to my wife and I, our lender, realtor, and even the sellers realtor, the appraisal we received was an appraisal that was conducted by the home sellers for refinancing on their property. My wife and I have an FHA loan, and with an FHA loan, the appraisal that was conducted on the property sticks with the property for six months.     Basically,  Quicken  Loans sold me an appraisal that I can not use, because it was ordered by the seller. Sellers can not order their own appraisal and then have others use that appraisal on the property. My lender contacted Quicken on my behalf, and spoke with them ad nauseam about how this is not right, and outright illegal. At the request of my lender and realtor, I am filing this complaint. What it boils down to is that my wife and I paid for the sellers to get a free appraisal, and not only this, but I was told that the sellers were being refunded their money for the appraisal and not me! So not only do I get sold a product that I can not use, ( appraisal ), but I am forced to pay for something that I can not use and I am not being refunded my money? This is highly illegal and fraudulent, and  Quicken  Loans is already in the news and courtroom for a federal law suit against them for fraud.     I spoke with  XXXX   XXXX  from Quicken Loans on  XXXX   XXXX ,   XXXX   and explained to him my concerns, and that I wanted to receive my money back, since what they did was fraudulently sell me a product that I can not use.  XXXX  stated, Improper steps were taken in the transferring over of the appraisal. I told Mr.  XXXX  that I wanted my money refunded immediately, and he stated, We will have to conduct an investigation. Basically Mr.  XXXX  balked at everything I had to say, and didnt care what I had to say or offer, and most of the call I was talking over him. Quicken Loans illegally sold me a product that I can not use, and is refusing to refund me my money. If this matter is not resolved quickly, I will be forced to seek counsel to litigate and sue for punitive damages on top of the money that I am out of pocket. I have already disputed this charge with my bank, and I will take this matter as far as necessary in order to be made whole. Quicken can not, nor will they, get away with this. I will be contacting the news media, and going to social media about this injustice and their fraudulent practices and how they conduct business.