WillisBack/dataset-financial-user-claim huggingface dataset:
I opened my account after the company offered a cash promotion for opening the account. The company took 6 additional months to pay the bonus. After finally receiving my bonus, I attempted to close my account. I called the customer service line, as well as going into the branch, and was told both times that my account was closed. However, after opening a new account, I came to find that my account was NEVER CLOSED AT ALL. This is very dishonest, and makes me wonder if they are opening accounts that customers did not agree to like XXXX XXXX.
I was using this application that you can buy/sell XXXX on called coinbase. For some reason I coinbase closed my account on XXXX/XXXX/XXXX, I was doing nothing wrong and coinbase can confirm that by viewing my account. I contact them that same day by phone but the rep was not able to help me at all. So I sent an email to support instead, I received the generic we will get back to you email and I have waited 5 days without a response on this. No one is able to explain why my account was closed in the first place, as well as me not being able to log into my account to get the few dollars I still have in my account with coinbase. I emailed them every day this week in hopes that someone can help me but I still have no response. 

My case number is # XXXX and # XXXX
After completion of investigation ( File Number XXXX ), TransUnion failed to provide the Notice required by 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ). However, as a consumer, I requested that TransUnion, in accordance with 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ), provide a description of the procedure used to determine the accuracy and completeness of the information of the investigation. TransUnion failed to provide the complete requested description, in that, TransUnion failed to provide the business name and address of any furnisher of information contacted and the telephone number of such furnisher. See attachment TransUnion_complaint.PDF ( TransUnion Resolution Summary XXXX/XXXX/XXXX, my letter XXXX XXXX, XXXX, TransUnion reply XXXX/XXXX/XXXX XXXX.
On multiple occasions over the years, I have fully paid off a balance on my Macy 's store credit card a few weeks before the payment due date. I still receive a bill the following month for {$2.00} listed as a minimum interest Charge, but the detail lists the interest charge as {$0.00} with the {$2.00} listed under fees. There should be no interest charge on an account that has been paid in full prior to the payment due date. No other credit card I have has ever had any fee after the full balance was paid off.
In XX/XX/XXXX I turned off the recurring payment options on my credit card account with MasterCard/Synchrony Bank using their website. I did this because I was closing that checking account and moving my money to a local bank. Evidently the recurring payments did not turn off. I did not know this. I continued making my payments on time using my new checking account. Their website will not allow you to delete a checking account, only add new account numbers. I received an email in XX/XX/XXXX telling me that I was taken off the recurring payment system because my payment had been returned. I was a little confused, since my payments had posted to my checking account. When I called the customer service desk to inform them that we were leaving the country on vacation, the person on the line told me of no problems with my account. The next day they closed my account, even though all payments had been made and the account was not delinquent. I feel my account has been closed for the wrong reasons and because their website is unreliable. Even though I called on XX/XX/XXXX to question why my account was closed, they informed me that nothing could be done. I asked them to make sure that the recurring payment option was turned off on the XX/XX/XXXXToday, XX/XX/XXXX I received an email informing me that my payment had been rejected. The payment was made on XX/XX/XXXX  and accepted by  Walmart/Synchrony Bank. So apparently their system continues to look for the auto pay from old account. I suffered a hardship in my travels overseas, because their online system did not do what was asked of it.
Santander Bank N.A. is reporting to the XXXX major credit bureaus an account that is not mine. It may very well be an account that was upon fraudulently, as I have been a victim of identity theft. I have submitted online disputes to the XXXX major credit bureaus. XXXX completed its dispute stating that the creditor has updated the status showing that the account belongs to me. The dispute is still pending XXXX. I have been therefore informed to contact the creditor directly. When I did, I spoke to a XXXX or XXXX at XXXX XXXX XXXX XXXX. I was then informed that I needed to contact their Fraud Prevention and Security area at ( XXXX XXXX XXXX. I have contacted the Fraud Prevention and Security area, and was informed that someone will be calling me back. I have not received a returned call to this date. The account was updated without Santander providing any proof that the account is actually mine, and with no further explanation, and with no returned phone call to go over the issues with me. Also, if I recall correctly, XXXX of the representatives mentioned an another address associated with this account that was not connected to me. Further, since I know nothing about this account, I 'm not sure exactly what type of account it is ( e.g. banking or credit card ).
I received a phone call at XXXX XXXX est, by alpha recovery group on behalf of XXXX. I asked what this is in regards to ; the first gentlemen would not tell me prior to verifying my identity and then hung up once i asked again what this was in regards to. I called back to try and figure out what the was in reference to. Then, second lady did the same thing and hung up once I asked who this was and what it was in regards to : both were extrmely rude and abusive, yelling and telling me I dont know what Im talking about. I called back and reached a lady by the name of XXXX XXXX : she refused to tell me who she was until I verified my identity, even though all three times I stated I was the person they were looking for. They would not proceed until I gave my personal information. After I asked why they were calling so late, she proceeded to get rude as well ; yelling and harassing me the entire time.
Transunion LLC  XXXX   XXXX   XXXX   XXXX , PA  XXXX  ;  XXXX   XXXX   Maintenance Document Control   XXXX . Box  XXXX   XXXX , TX  XXXX  ;  XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since  2013 . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX  Bank to keep the mortgage information on my credit report.   They just recently acknowledged receipt of le tters ( respons es attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to Transunion,   XXXX   XXXX   XXXX   in  2013 , yet they turn ed a blind ey e and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Reli ef Act ( SCRA ) a nd the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCR A, SCRA and  FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our cred it files IMMEDIATELY.
Nationstar DBA Mr Cooper is the servicing bank : has held homeowner in extending processing, and not evaluating documents properly. Homeowner has submitted the RMA requesting modification. Homeowner has been denied by the service'r since XX/XX/XXXX to current XX/XX/XXXX : XX/XX/XXXX. Homeowner is formally appealing the denial based on errors in home value, income, DTI and LTV Loan to Values used by the services in the denial of the RMA application. The service'r has recently denied an RMA application on XX/XX/XXXX. The reason was that all document were not sent in within the required timelines. 

The homeowner is allowed to reapply for a new modification based on recent Nationstar/Mr.Copper mortgage violations and sanctions via the DOJ/Federal Trade Commission after 12 months of current payments. 

I sent in all required documents as required within the timelines. Servicers agent assistant contacted me requesting additional information : which I sent in immediately. Three days later I receive a letter stating the I was rejected a modification due to not sending documents time : This is nonsense, I was never given any timeline requirements by written form or verbal deadlines in any discussions by the Nationstat/Mr.Cooper. 

My servicer Denied any association with Nationstar during my application : and was brought to attention of my assigned SPOC XXXX The servicer ' is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified, lost documents when homeowner has already provided.. 

This homeowner, feels that her case has been unfairly treated for the following reasons : 1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 2. A Single  point of contact was assigned ; calls were made to the point of contact : the calls were never returned by the contact. Calls returned were from the collection department and never the same so called : " relationship manager ''. 3. The service'r has held the homeowner in extended process in bad faith, during which the value of property has c for 26 months from XX/XX/XXXX to XX/XX/XXXX. 4. On the most recent RMA application : all requested documents were provided as requested within 30 days. Homeowner has confirmation via fax that documents were received by the service 5. Homeowner has made numerous calls ( 20 )  inquiring on status of application, calls were routed to next available agent, comments were : A ) wrongfully advised that documents were not submitted, or B ) documents were submitted, or C ) resubmit documents because d, or D ) Homeowner was not provided a NPV Net Present Value Report to approve or deny the RMA application.
I am XXXX yr old single father on XXXX. I have been trying to negotiate my mortgage modification with Wells Fargo Bank for a solid 4 yrs. That being said I have been assigned no less than XXXX " Home Preservation Specialist 's ''. I have never been able to speak directly to any one of them, leading me to believe they are fictitious names. In paperwork correspondence WF gives you your " specialists '' extension number, When you call them you are not even given option to dial ANY extension number. 
The reason for this letter is not only for my own relief, but to highlight what continues to be a practice of toying with troubled homeowners until they have no options but to foreclose. 
Wells Fargo deliberately ignores the efforts of homeowners to make reasonable arrangements, even when they become possible for the homeowner. They need to be stopped. 
Thank You in advance for your shedding light on this serious problem. 
XXXX XXXX XXXX
I was contacted by The Student Loan Help Center in XXXX 2016 advising me that that could help lower my monthly student loan payment from {$220.00} to {$54.00} monthly. I was told that there would be a fee of {$590.00} which I could pay in installments over a three month period. Which was {$190.00} for XXXX, XXXX and XXXX. When I receive notice from XXXX Student Loan payment repayment in XXXX that a loan repayment where {$350.00} When I contacted TSLHC advising them that my payments were not {$54.00} but {$350.00}. They advised that they had forward my work to XXXX there was nothing they could do.
Ability Recovery Services is attempting to collect a debt that I do not owe. My credit profile took a huge downfall due to the company reporting several accounts as collection accounts. The information they are reporting to the three credit bureaus ( XXXX, XXXX, and XXXX ) is incorrect. 

The company states they are collecting on behalf of XXXX XXXX Department. The accounts that Ability Recovery Services are attempting to collect have " service dates '' that were covered under a charity care that was provided to me from the hospital, XXXX XXXX XXXX XXXX. XXXX Emergency Department utilizes this charity care program as well. Due to communication issues not involving me, my charity care was not forwarded to the XXXX Emergency Department and my coverage was not applied to several accounts. In addition, these same accounts were sent to collections without notification to me and, as expected, really hurt my credit profile. 

In an attempt to help this matter, I provided documentation to the Gainesville Emergency Department showing that I was covered 100 % during the service dates. The XXXX Emergency Department agreed and confirmed this information upon receiving copies of my approval letters. The XXXX Emergency Department said they would forward the information to Ability Recovery Services. I have called several times and Ability Recovery Services have said that they are not sure if the information have been received and was not sure ig if corrections were applied yet. I took it a step further and decided to send the documentation via certified mail to Ability Recovery Service myself. 

I feel this is unfair and I would like this fixed immediately. I want to ensure that Ability Recovery Services corrects this error, remove this information, and cease reporting this incorrect information to all three credit bureaus. 

I also want to prevent this incorrect information from being reported again in the future and/or sold to another collection agency. I would like this situation cleared up immediately. Thank you.
I was issued a civil suit from XXXX. I XXXX and made payment before hearing. They didnt contact the court house like they said i would. I payed the debt off, but on my credit score they still say i owe money and they payment amounts are wrong. I contacted them and they give me a number where i dont get any assistance.
USAA Federal Savings Bank issued a XXXX from to me, but upon checking my credit score, I saw that USAA did not delete debt. It is still showing the amount and it is still open. Please help me resolving this matter because USAA is not helping me and they are rude. I tired to explain to them to take it out on my credit report but they always hang up the phone on me.
Ok so I complained and they found 12 additional months toward my public service loan forgiveness. Funny can they find more as I have 18 yrs with the same agency? I think they should look till they find them all, do n't you.
Wells Fargo Bank has been taking out of my XXXX XXXX XXXX XXXX account {$57.00} on the XXXX ( XXXX ) Monday of each month. I do not know how long this has been going on, I discovered the deduction in XXXX of this year when my father reviewed my accounts and brought it to my attention. I DO NOT KNOW WHAT THIS DEDUCTION IS FOR OR WHO AUTHORIZED THE DEDUCTION. I have tried making contact with Wells Fargo Bank to find out about this deduction, they say they have no knowledge of the deduction, and refuse to cooperate in any way to find out what it is. I have not opened any Wells Fargo accounts or made purchases were Wells Fargo is involved to the best of my knowledge. I would like this deduction identified, if it is a legitimate deduction, XXXX that I am responsible for, I will assume it, however, will someone please tell me why Wells Fargo is taking this money out of my bank account each month and can not tell me why they are doing so. XXXX XXXX XXXX XXXX provided these numbers : ACH Item XXXX and Trace Number XXXX.
On Friday XX/XX/XXXX I deposited XXXX ( several checks ) into my business account at citizens bank in XXXX inside of XXXX. The bank deposited XXXX some odd dollars instead of XXXX. Right away I went to the teller and said you gave me too much money. He said it was friday and to come back monday and we could remove it. I went back monday it was n't there, tuesday it was n't there. Thursday I went back and to my suprise they withdrew the money ALONG WITH MY DEPOSIT. Now if i would n't have checked they would n't have told me??? If i would have kept that money it would be theft. Why were they allowed to take MY money from MY account and NOT notify me?? They still have NOT given my money back. they told me I had to go back saturday to fill out paper work??!!! to get MY MONEY? And from there it could take days. I want to file a complaint as they were not permitted to go into my account. how many other peoples accounts do they do that with???? I consider this theft and want my money. I should not have to wait
Midwest Recovery Systems, XXXX, posted a trade line on credit reporting agencies for a debt not owed to XXXX. Midwest Recovery Systems, XXXX, did not send a letter to dispute this debt. This is a zombie debt not owed.
Wells Fargo 's reward program for the XXXX XXXX XXXX states a customer will receive a {$200.00} cash rewards bonus if you spend {$1000.00} ( net purchases ) in first 3 months. 

Specifically, ( footnote 1 ) The bonus cash rewards will show as redeemable within 1-2 billing periods after they are earned. 

https : //www.wellsfargo.comXXXX I made a qualifying purchase on XX/XX/XXXX, and three billing cycles have elapsed ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) and I have not received the bonus. Wells Fargo is not honoring its contract. 

Wells Fargo should immediately issue me the {$200.00} bonus.
I have NEVER had a credit card with XXXX XXXX XXXX. This debt is being shopped around to several collection agencies dumb enough to buy it. This is NOT my debt and I will NOT be paying it.
When moving out of my apartment, I received the attached move out form showing nothing was owed. The collection in discussion was filed mistakenly for breaking my lease early which I did not. Also attached is a handwritten letter from the property manager stating this was their mistake as well. I have been waiting for weeks now trying to get a more formal letter so that this can be corrected but they are no longer taking my calls.
On XX/XX/XXXX PennyMac USA paid the incorrect tax liability to the City of XXXX. They paid the amount of {$3600.00} when the total tax liability due was only {$1000.00} ; meaning a {$2600.00} refund was due. Upon learning of the error I called PennyMac in early XX/XX/XXXX. The representative and I spoke with the XXXX Revenue Department and it was confirmed that it was an error on PennyMac 's side. It was stated that PennyMac needed to request the funds and provide the cancelled check and the refund would be provided within 6-8 weeks. 

4 months later in XX/XX/XXXX the issue still had not been resolved. I called PennyMac again in XX/XX/XXXX. They did not follow through with the initial request so a second request was created. I followed up again on XX/XX/XXXX and this time spoke to a supervisor who could not provide any more information on why the refund process was not occurring or provide any timetable to rectify the issue. I also spoke with the XXXX Revenue Department on XX/XX/XXXX which outlined the simple process and stated they had no record of PennyMac requesting the refund. 

Now my mortgage is coming up for reassessment in XX/XX/XXXX and  with such a large negative balance in my escrow my monthly payments will likely increase. It 's unfair that I as the consumer have to take the burden of mistake made by mortgage holder.
On or about  XXXX   XXXX    XXXX  , I created a complaint #  XXXX  against  AMERICAN EXPRESS  GOLD DELTA SKYMILES. It was a clear case of UDAAP. This complaint is once again against  AMERICAN EXPRESS GOLD DELTA  SKYMILES for the same account ending in  XXXX .   Now i have the eligible transaction at  XXXX  of {$25.00} few days back. But  AMERICAN EXPRESS  GOLD DELTA SKYMILES is stating that they could n't find out any promotion on my account to award me {$100.00}.   Moreover when i chatted with them - they are stating  6-8  weeks for investigation alone and that too they wo n't notify me regarding the result of investigation.   This is ridiculous.  Amex  is finding way to deceive customers and take away the award money. Attaching chat with customer service and the recent activity from that card.
I have been on XXXX since XX/XX/XXXX. Firstly, XXXX XXXX XXXX XXXX AES ) has my out of school date as XX/XX/XXXX on its statement which is incorrect. The out of school date should be XX/XX/XXXX. Secondly, my loans came out of forbearance XX/XX/XXXX and I have been making a payment every since ; however just discovered AES has been charging me a {$15.00} late fee when my loan has not been late XXXX days. My XXXX direct deposit does not hit the bank until around the XXXX of each month. The AES due date is the XXXX of the month, and I just discovered that the student can request a due date change. Why did not AES mention this due date change to a XXXX student? I discussed my situation with an AES rep several times. Payments on the XXXX loans are {$37.00} each, and AES has assessed XXXX late fees of {$130.00} to my account. XXXX attached statements of XXXX loans that started out as {$3000.00} loans and are not up to {$5100.00} each. Also, attached is the payment history that shows the late fees. I want these late fees reversed.
XX/XX/2018 chase card inqury that I did not authorize XX/XX/2018 chase card inqury that I did not authorize XXXX  XX/XX/2018 and XX/XX/2018 I have never heard of this company and did not authorize
For the last couple of weeks, we have received calls from UCI stating my wife has a debt. We have caller ID and do not answer calls from unknown parties so the call is recorded. We owe no debts and have received no mail notices from anyone about any unpaid bills. The calls are coming from XXXX.
I have contacted XXXX and XXXX as well as CBNA/Sears several times for incorrectly reporting a payment was late in XX/XX/XXXX. I have never made a late payment. I disputed it with the the two credit reporting agencies and they still are reporting that I was late in XX/XX/XXXX. The company CBNA/Sears, claims they have sent XXXX and XXXX information to remove the late payment reporting for XX/XX/XXXX but yet it remains. Not only did the company indicate they would not be reporting payments for XX/XX/XXXXas this was the time that we here in Florida were impacted by the hurricane but I have never been late and this is immensely affecting my perfect paying credit history.