WillisBack/dataset-financial-user-claim huggingface dataset:
" Earn  XXXX  points '' after you spend {$2000.00} in purchases with the card in the first 3 month from account opening ''.   I opened my  XXXX  Credit Card with Chase bank in  XXXX     2016  and spent well over {$2000.00} in the first 3 months, however was not credited with the promised  XXXX   XXXX  points! I applied via a email link with invitation code for that offer.  Chase instead just gave me  XXXX  free nights which is only 40 % of the value of  XXXX  points.
Earlier this week, I had a call come in that turned out to be someone attempting to get my bank information. I called Chase and let them know about the call and that I was concerned because someone apparently had at least some of my information. They verified that everything was fine with my account and not to worry. If anything came up, I would be contacted through their secure messaging. 
So yesterday, I was checking on my account and saw that a check that was supposed to be there, was n't. I verified that it was actually supposed to be in my account by yesterday and then called chase to find out what the hold up was. They verified that the money would be in my account by the end of the business day. They also said that there was a restriction on my account but not to worry. 
I sent an email later in the day through their messaging system to find out what this restriction was. they sent me an answer with a number for me to call. So I did. Turns out the restriction was that Chase was closing my account. Even better, they would not tell me why. the representative would only say that Chase has the right to close any accounts without any warning or explaination. She did say that if I called today that I would be able to go and take my money out of the account today. 
So I called today. And was told that no, I could not take my money out today and that they would be sending me a check for the amount. 
So now are they not only closing my account without reason, but they are now holding my money hostage as well. I am at my wits end and I do not know what to do at this point.
I have 31 inquiries on my credit report that was not authorized I have sent in letters to Equifax and they have not even investigated the matter at hand. I even have a fraud alert on my file to be contacted before extending credit and was not contacted about these inquiries
I have an open-end line of credit with CashNet USA which is illegal in XXXX  and may be predatory lending due to the APR of 299 % for cash advances and the excessive amount of fees charged ( 15 % on cash advances, for example ). When I signed the attached loan agreement in XXXX, I was not aware that CashNet USA had my old XXXX  address on file. I moved from XXXX  to XXXX in XX/XX/XXXX. My understanding is that CashNet USA does not have a license to offer open-end lines of credit in XXXX. This loan should be null and void - the current loan balance is {$1400.00} and I have been making semi-monthly payments since XX/XX/XXXX ( XX/XX/XXXX and last day of each month ) of between {$300.00} and {$350.00}. I should no longer be obligated to repay it because CashNet USA should not have offered this loan to me in the first place knowing that I live in XXXX and they don't have a license to offer these types of loans in my state. I used my XXXX address when I applied online for credit with CashNet USA, and I also verbally informed them of my relocation during the application process. Most importantly, I believe that the excessive APR and excessive fees are  viewed as predatory lending practices in XXXX
I 'm on an income based repayment plan, they never notified me when they needed me to update my information for the year. I was told all that information was on their old website and I never would have gotten notification of it unless I specifically asked. I was put in forbearance for 2 months while they figured it out and I submitted their information, then I started getting notifications that I was behind on payments and they had no records of the dates I was giving them. It ended up putting me in forbearance for another couple of months while things got straightened out.
It is showing that I have a bill from charter communication in XXXX tn from XXXX and I have lived in XXXX TN since XXXX. I 've never had charter communication.
Husband lost job on XXXX XXXX, XXXX. Last payment made was XXXX XXXX. Unemployment ran out in XXXX. We moved to XXXX to find jobs near daughter. Home was on the market since XXXX XXXX and we were working with OCWEN for Short Sale. Husband obtained job in XXXX, XXXX, but payments were severely in arrears. We have had two offers on the property ; first buyer backed out, second is still waiting. We have submitted everything OCWEN asked for and they have confirmed the receipt of these documents. We are still waiting for an answer to our buyer 's offer. We were served with foreclosure paperwork XXXX XXXX, XXXX.
My husband and I sold our house through a short sale. The date of closing was  XXXX / XXXX / XXXX . However, Bank of Albuquerq ue ( BOA ) is  reporting the closing as  XXXX / XXXX / XXXX . This is impacting our ability and rate of a new home loan. I attempted to contact BOA and they gave me the run around and told me that I had to dispute the information with the credit bureaus and that I needed to call the title company as they would know why there is a year discrepancy. This is ridiculou s. BOA is  the one who agreed to the settlement. I have the settlement letter dated  XXXX / XXXX / XXXX . Additionally, it states right on the  Settlement Statement that the date of Settlement i s  XXXX / XXXX / XXXX . I am requesting from the BOA a signed letter stating that our closing/ settlement date was  XXXX / XXXX / XXXX  and not  XXXX / XXXX / XXXX . Additionally, I expect them to immediately correct this information with the credit bureaus as it is negatively impacting both my own and my husband 's  credit score . Thank you!
In XX/XX/2017 I found out this company had a lien against my name, I attempted to contact the company and the company went out of business. I had no way of getting intouch with them to verify this debt. Today XX/XX/2018 my old employer received certified mail with a threat to put a Judgement on this business. This is NOT my debt and I demand for them to proof this debt.
I have been making payments through equitable acceptance that was to be towards my loan for a debt consolidation. When I went to purchase a car, I was informed my tax return would be taken due to defaulted loans. I thought it was a mistake as I had been making monthly payments to student support through equitable acceptance on time since XX/XX/2016. When I called student support, I was told my case manager was not available and the supervisor was in a meeting and unable to help me. I asked for another supervisor and was given another phone number. I spoke to a supervisor, XXXX XXXX, who informed me my loans from XXXX were not included in the consolidation upon admission and therefore, had gone into default. She told me I had not completed a rehabilitation program and I had to go through another. I informed her I had been through a rehabilitation program in which she asked for the paperwork. I scanned the requested paperwork in and emailed it to her and she stated this should speed up the process so that my loans could get out of default and I could purchase the vehicle to transport to work. I have not heard anything else from Memory. I emailed her to update my telephone number and she said thank you. In the meanwhile, my credit score continues to go down, my tax return is to be taken this year even though I make payments monthly to this conpany who dropped the ball and now I have to suffer for it. I do not want this happening to any other professional as this supposed service appears to be deceitful to many hard working professionals. XXXX XXXX 's direct phone number is XXXX, her email is XXXXXXXXXXXX. There is no student support here and I really do n't want any other professionals being fooled into thinking they are helping and really are doing harm. Please help us.
I have contacted Equifax in regards to an account that was removed from my account that is not associated with me, and then as of XX/XX/XXXX18 i checked my report and it was placed on my credit file, so I don't know if it was a mistake or what but the XXXX XXXX account in the amount of XXXX is not mines, I have already dealt with this for years.
I have received attempts to collect a debt that is not mine. Stellar Recovery Inc. is reporting a collection on my account on behalf of XXXX. I have never been an account holder at XXXX, I have never ordered any of their services, and I do not owe them any money. Attempts to dispute this collection have been ignored.
ftc violation sent all the documents over they need to fix this fcra violation is not mine hacking reports cybercrime division and police reports
It seems everytime I log onto www.Chase.comXXXX to check my balance or make a payment there 's a problem and the design of the website makes me wonder if they had a ten year old design it! It 's so poorly designed and difficult to read I ca n't believe Chase would allow this. Today I wanted to make a payment and the system would n't allow me to enter an amount. So I called and spoke with one of their agents who could n't explain why the system is so poorly designed and does n't work. She wanted to pass me on to a web support agent but after being on hold for 2 minutes I decided not to waste my time. This needs to be addressed so that future issues do n't appear and as soon as I pay my balance in full I will cancel my card if they do n't change things
Bank of America has provided me with a written document dated XXXX XXXX, 2016 from their paid legal advisor represented as the CFPB iportal uploaded CFPB Complaints response to multiple CFPB Complaints I have lodged related to my home loan mortgage account during and throughout the MHA HAMP modification process between XXXX XXXX, 2016 through XXXX XXXX, 2016. 
This document has not been uploaded to the CFPB iportal to date and therefore can not to be considered a response to any of the CFPB complaints. Additionally, the document and attachments do not address the concerns presented within the CFPB complaints lodged related to my concerns throughout the loss mitigation processes to date. 
Because Bank of America has engaged in unfair, poor, and deceptive practices, I have no way of knowing what I have been presented with is the final resolution of my concerns or not and just another of Bank of America 's tactics to solicit what they want. 
There has not been a Rescission recorded withdrawing the NOD with the XXXX XXXX County Recorders Office to date.
OCWEN Loan services added {$420.00} to my escrow balance for lender-placed insurance coverage for 3 months. I had this mortgage for more than 10 years with GMAC. OCWEN took over servicing the loan 5 or more years ago. They sent me letter about getting a XXXX insurance in XXXX 2015, I told them my XXXX provides insurance that covers both the inside and outside of my condo unit. OCWEN was going to check with my XXXX, then call me back to let me know if I need additional coverage or not. They never call me back and in XXXX they send me a letter saying that they bought an XXXX insurance covering for {$320000.00} ( this how much my whole unit is worth ) on my behalf for {$1400.00}. No one could tell me why I was n't told, that after checking with the XXXX, which they did not, that I need a XXXX coverage for the interior walls. While discussing with OCWEN I went and bought an XXXX coverage for {$320.00} for the whole year, sent them a copy and they credited my escrow account for {$1000.00} and said I 'm responsible for 3 months or {$420.00}. The following month they raised my payments more than $ XXXX month, I had to call them several time to have them reverse the new monthly payment. The lender-placed insurance OWCEN said they bought for me, show on a " declaration page '' that is was issued by XXXX XXXX XXXX. I called XXXX XXXX XXXX and I 've been told the policy number I 'm given does n't exist and they said they do not do " lender Placed '' business with OCWEN and they were surprised OCWEN will have their name on a fake evidence of insurance. 
I called OCWEN to tell them and ask them for a copy of the Master Policy. they said they do not have XXXX, all they have is a declaration page. They ca n't prove that they bought an insurance policy on my behalf! all I 'm asking at this point is a copy of the master policy of the XXXX insurance they bought for me, I think I am untitled to the master copy if I am paying for the coverage, or my money back, {$420.00}. 
How can this happen in XXXX! OCWEN is hiding in XXXX and running the most fraudulent and unethical business practices I 've never seen. It has to be something we the consumers can do about this.
Please help me uncover what may be happening at American Express. I was just issued a replacement credit card ( previous card canceled ) with absolutely no notification, information or authorization. 
According to American Express, my personal information was " intercepted '' ( no  fraudulent charges made ) by a 3rd party so they issued me a new card. The problem is that they did this without telling me and are now refusing to tell me anything about what happened or who " intercepted '' my information. 
They are telling me that they can not disclose anything to me because it is an ongoing investigation. EVEN THOUGH IT IS MY INFORMATION THAT HAS BEEN COMPROMISED. 
It sounds like they are covering up something and I am hoping you can help me find out what is happening. Thank you for any assistance!!!
I went to the emergency room and was sent and paid the hospital bill but there was a separate charge for the physician. I never received a bill from XXXX XXXX XXXX and they turned it over to CMRE collection agency. I only discovered it when I was apply for a car loan and it ruined my credit. The emergency service was XX/XX/XXXX. The credit report showed a debt of {$970.00} dollars. CMRE never notified me in writing, email, text or phone call. Again I just discovered this last Thursday, XX/XX/XXXX. CMRE turned it over to the credit agencies and ruined my excellent credit which was XXXX!! Had I received a bill from the XXXX XXXX I would have paid it immediately. I lay all my bills as agreed.
I am currently an XXXX. I make less than XXXX a year. At some point, probably 2-3 years ago, my rates went up and I could n't afford the repayment monthly. I was paying around {$410.00} every month for my student loans. One month prior, on XXXX XXXX, 2016, Navient sent me a letter stating I would have a 252 % increase in my current student loan payments beginning on XXXX XXXX, 2016. A 252 % increase is exorbitant and ridiculous on a XXXX salary. They refused to work with me and want to go after my parents. The agent was very rude and pushy and basically told me my parents ' financials need to be given before they will even begin negotiating repayment plans on my student loans. I am XXXX years old and my parents have not been financially responsible for me in 6-7 years. Their financials have never been made known to me, and as a married woman, they are not financially responsible for me. My father is a XXXX for goodness sake, living off a modest pension. I do n't understand how this is even legal. Not to mention, my parents never agreed to the terms of the repayment when I changed them, so I 'm not sure legally how they can be held liable. I have no idea how my husband and I are going to be able to afford this.
Contacted Credit Reporting Agencies to remove the fraud alert and/or security freeze placed on my report several years ago. I contacted XXXX and spoke with a representative that stated that request to remove was done ; contacted TransUnion and spoke with a representative that stated the request to remove was done ; contacted XXXX ( no representative available, only automated system ). I tried to use the prompts but when the call ended the XXXX system stated that a fraud alert would " placed '' on my report and that they would notify the other two ( 2 ) reporting agencies. I need that the security alert and/or fraud alert be " removed ''.
Ocwen Loan Servicing and XXXX XXXX have committed years of fraud against me and I ca n't get help from anyone. 2008, during pending litigation XXXX XXXX and Ocwen Loan Servicing used forged fabricated documented in court to seek judgement to rescind my Full Reconveyance. My original loan amount that was paid off was {$550000.00}. Ocwen threatened me to either except a {$750000.00} loan modification or they would foreclosure on my home in just days, and threatened if I ever discuss the Loan with anyone they would again foreclose. I filed multiple police reports, XXXX complaints along with evidence of fraud but since the system is so corrrupt I ca n't get help. I sent all evidence to XXXX attorney. Please give me the right to have a fair investigation or please involve the FBI in my matter so they can investigate the fraud that Ocwen throws in my face.
This Company National Credit System is in violation of the FDCPA for continuing to report on a Fraudulent debt on my credit report. I have already notified the credit bureaus over this matter, and also sent out a cease and desist letter regarding this matter. I have know knowledge of this debt and it is frivolous.If you all do not stop Harassing me I will be forced to proceed with further litigation in small claims court!
I am a XXXX XXXX XXXX XXXX Veteran and my Navient student loans were granted a discharge that took effect XX/XX/2016 as forgiven and paid in full. My concern is that Navient has still been reporting delinquent activity to my credit report. I contacted Navient and they claim they have not been reporting delinquent activity, but I have tried to borrow money from my personal bank ( XXXX XXXX XXXX ) and they stated that, because of the report from Navient no funds can be lended to me.
I have been struggling financially for years to pay my loans. I originally called XXXX XXXX at the time, and was advised that I could either do a deferment or forbearance. But was advised forbearance was the better option. Since then I have continually filed forbearance. I have seen a lot of interest added on to my loans since then, and wonder if I will ever be able to repay all the debt, if at all. My loans originate from going to school at XXXX XXXX, and XXXX XXXX online.
I have started to receive repeated phone calls from unknown numbers with area codes from around the country including Colorado, Florida, and Pennsylvania. No message has ever been left. I looked up one of the numbers and found that it was associated with Portfolio Revovery Associates, which I had never heard about. I dont owe any debt to them. Here is a list of the most recent calls with the phone number : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX and XXXX : the XXXX area code number XXXX and XXXX : XXXX XXXX : XXXX XXXX : XXXX There were more calls than this, but thats all of the calls that my phone history shows.
I have repeatedly asked American Express to stop calling, stating CEASE AND DESIST as I am filing bankruptcy and they continue to harass me, calling my cell phone and landline multiple times a day, often showing up as Unknown or Private Caller.
XXXX - XXXX, XXXX, CO XXXX closed his refinance on XX/XX/2016. I have attached the original final CD sent to the Title Company XXXX XXXX XXXX XXXX XXXX. It indicates that the client was to receive {$500.00} cash out at closing. The loan did not fund after the 3 day right of recession as the lender, Planet Home Lending indicated that the client was not going to get {$500.00} cash out. According to their Funding Manager, Regional Sales Manager and Account Executive the original final CD was in error and all the client was to get back was {$14.00}. Planet Home Lending said that they never sent the original CD with instructions and that the title company closed the loan on those numbers incorrectly. After days of communication ( phone calls/emails ) between Title - and Planet Home Lending they finally agreed that they had sent the original final CD by the Funding Manager but stated that they would not fund on those numbers and required the client to sign a new CD ( dated XX/XX/2016 ). This was 7 days past funding date. We were told through a conference call that they ( Planet Home Lending ) would send the client a check for {$480.00} on Monday the XX/XX/XXXX. As of today the client has not received their {$500.00} cash out as per the original CD. I believe this is a violation of TRID. 
The title company never received new closing instructions until 7 days after original funding date and with no explanation to either the title company or the client as to why the change. In reviewing the documents it is apparent that Planet Home Lending incorrectly placed the Principal Reduction in the wrong column. 
As the Mortgage Broker for XXXX he is asking for our assistance in receiving what he was promised. Please advise if he is entitled to the original cash out of {$500.00}? 

Attached : XXXX XXXX - acknowledged by client Subsequent CD - dated XX/XX/2016
In late  XXXX  or early  XXXX   XXXX  I called the Fedloan He lp, Inc. It  was advertised on the radio FM  XXXX  in Delaware. It was to help you with getting lower payments on your student loan. On  XXXX / XXXX / XXXX  Fedloan Help,  Inc beg an to deduct {$38.00} from my account every month on the  XXXX . On  XXXX / XXXX / XXXX   XXXX   XXXX  loan of which my student loans are with called and informed me that no payments were made toward my student loan by Fedloan He lp , Inc. I was to ld they are a third party company and not affiliated with  XXXX .
Hello CFPB, I have an auto loan with Citizens One Auto Finance with the last payment remaining. My complaint is that the final payment can not be made online as all previous payments have been made and must be mailed or submitted ( for a {$12.00} fee ) via their automated phone system. The payoff amount provided via the phone system increments by $ XXXX/day, so sending a check via regular mail does not seem an ideal option as customers may be subject to a late penalty. Furthermore, the final payoff notice did not include a payment envelope addressed to Citizens like the other 59 mailings we received through the life of the loan - this appears to be an extra measure taken to collect fee revenue. <P/>To resolve the situation I contacted their customer service department at XXXX at approximately XXXX XXXX ET and was not provided an option to make a payment free of charge. I believe these conversations are recorded, so I encourage the Citizens One tem to review the recording. [ PERSONAL INFO - XXXX XXXX, Loan Number XXXX ] This practice seems to be deceptive and unfair and could yeild an undue profit for Citizens in aggregate at the expense of their customers. <P/>Thank you for your assistance.
As I was investigating the hard inquires against my credit, I noticed 2 Capital One card inquires. One is for XX/XX/2018 and another for XX/XX/2018. I have never applied, submitted my information, or even contacted Capital One or any of it's affiliates. Also- why would there be 2 inquires within 5 days? I would please like further information about this because I am confused. These inquires are negatively impacting me, however, I was not responsible for these hard inquires. If I am unable to solve this problem and they are not removed from my account I will have to file for identity theft or fraud against my name.
Aargon Collection Agency ( ACA ), is an unlicensed ( per state of The State of Georgia XXXX ) debt collector who has illegally accessed my credit report without my express consent, authorized signature or by court order. They have attempted to collect a debt without stating the amount, used unfair unconscionable means to collect or attempt to collect the alleged debt, used false representation or deceptive means to collect a debt or obtain information about a consumer. Please assist me with this debt collector with unscrupulous behavior.