WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm trying to get an issue resolved with my XXXX XXXX credit card. In XX/XX/2016, I notified my bank, XXXX XXXX XXXX, about XXXX unauthorized charges. They were back-to-back charges for {$1000.00} and {$1000.00} labeled " Diamond Ring '' dated XX/XX/2016. It is now XX/XX/XXXX and my case is still not resolved. I have spoken to several XXXX customer service and fraud agents about my fraud case and I keep getting the run around. I was even promised that I would receive a call from a manager within 48 hours and that has not occurred. No one seems to know or understand what 's going on with my XXXX account and the unauthorized charges. However, my credit score is suffering and I 'm still expected to make monthly payments. I 'm attaching all my monthly statements leading up to XX/XX/XXXX in this complaint.
This complaint is in regards to the XXXX XXXX Costco credit card migration to Citibank Visa credit card. My card was not ported to Citibank Visa. Several months ago I took a call from an XXXX XXXX representative who asked if I wanted the new XXXX card or be migrated to Costco. I was very clear, directing that I do NOT want a new XXXX card and to migrate the account. No further information or contact was exchanged - until the new XXXX card was received in early XXXX. I did not activate the card, as per ALL of the Citibank and Costco communications expressly stated that ALL XXXX Costco cards were to be migrated to Citibank. All communications stated very clearly that XXXX Costco card holder would not need to do anything, and that a credit review would Not be performed. 
When the new Citibank Visa card was not received, I called Citibank on XXXX and was told that Citibank will not have XXXX account information until XXXX - and " do n't worry, you will get the card ''. When the card was not received, I called Citibank on XXXX. I spoke to a representative and a supervisor and was told that not all XXXX accounts were ported and to call XXXX XXXX. Citibank informed that not all accounts were ported and that I would have to apply for a new card. I called XXXX XXXX and spoke to a representative and a supervisor. I was again informed that not all accounts were migrated. I was also told that XXXX XXXX sent XXXX letters in XXXX ( 5 days apart ) informing that my account would not be migrated. Neither letter was received - although miraculously the new cards were received. XXXX XXXX would not tell me WHY my account was selected to not be migrated - only that they used internal criteria. 
I am extremely angry : - This is deceptive advertising. Every communication provided by Citibank and Costco stated that EVERY account would be migrated, and no credit reviews would be done. Absolutely nothing indicated that some accounts would be selected for exclusion. 
- XXXX XXXX ' actions are discriminatory and appear illegal. 
o They selected individual accounts to not migrate and will not share the criteria with the account owner. It is due to being an older American? A higher income level? Female? 
o Contrary to their claims, XXXX XXXX did not provide communication of their actions. In fact, they did not adhere to my direction to migrate as provided to their representative. 
- Why should my I need to apply for a new card and incur a credit pull, when most accounts do not? It is discrimination to apply different rules - which are NOT communicated. XXXX XXXX decide who is impacted.
XXXX XXXX XXXX aka XXXX XXXX XXXX ( XXXX/XXXX ) was included in my Bankruptcy that was discharged on XX/XX/11 and additional loans were also " Charged Off '', but to date, they keep sending my name to " Collection Companies ''. I am constantly harassed and taunted by several different collection agencies until I send them copies of the Court ordered document ( s ). This company is relentless and is tarnishing my credit scores by sending my name to different collection agencies, ( Erroneous/false reporting ). The collection agencies are blindsided because they are not aware of the Bankruptcy and/or charge off until I provide them with proof of documentations. This company must be stopped from tarnishing and/or shredding consumers ' credit by trying to get paid by any means necessary - especially when they have been included in a bankruptcy that was discharged and/or in charge off status. I received correspondence from MRS BPO , LLC stating that I owe {$11000.00} plus of a Co-signed loan - which I included in my bankruptcy - Last correspondence was XX/XX/XXXX.
I was in debt trouble at the beginning of 2014. I contacted XXXX XXXX XXXX for help. They sounded very promising. They had me stop paying the bills and let them go to collection. While doing this they had me paying Global Client Solutions XXXX to store the money which they would use to negotiate down the road once a certain amount of money was built up. During this whole time you were able to cancel at no time and get all your money back except for the opening account charge.On XXXX/XXXX/14 I decided to cancel as I had money to start paying and get back on track. When doing so this Global Client Solutions XXXX was to refund XXXX to me. They claimed to send the check and even sent a picture of a check they claimed to have sent, but never came. Once I tried investigating what to do or get the check re sent they would hang up on me every time I called after giving the account number. I just do n't know what to do.
Complaint : XXXX XXXX, client/consumer/XXXX # XXXX XXXX : Loan Consultant : XXXX XXXX XXXX XXXX, XXXX # XXXX : # XXXX XXXX XXXX XXXX, # XXXX, XXXX, CA. XXXX XXXX ( cell ), XXXXXXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Capital Benefit, Inc. : Lender : Loan # XXXX, escrow # XXXX XXXX : Loan rep. 
XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA. XXXX : XXXXXXXXXXXX : XXXXXXXXXXXX XXXX : On XX/XX/XXXX I spoke to XXXX XXXX and after XXXX returns for XXXX : gross income : {$170000.00} and tax returns XXXX loan docs, including bank statements were given and a pre-approvalletter was given to be. 
B : Good Faith was XXXX arm with 30 year fixed at 4.25 % -- -- 5.25 % I spent the next 45 days looking at over XXXX homes and spentover XXXX hours looking and found a property to XXXX : I found a house and went into escrow with escrow XXXX in XXXX, CAEscrow # XXXX, all in good faithd : I agreed to the terms and conditions of putting 30 % down and carrying a notefor {$130000.00} and agreed from the beginning to be an owner occupied investmentproperty for me. This was all disclosed to XXXX XXXX from the beginningof obtaining the loanItem XXXX : All loan docs were given to escrow and we were to fund on XXXX record on XXXX : XXXX XXXX emails me that I can not have a loan now as owneroccupied and we are now going to use a Hard money loan. 
Instead of 4.25 % -- -- to 5.25 % for the loan, now the interest rate is 9.5 % Why and is this using bait and switch tactics? 

Item 3Then when I received the loan docs from Capital Benefit , Inc . 
XXXX the loan officer changed the terms and conditions of the loandocs : Now the loan docs were at 10.5 % with over {$4000.00} more infees from Capital Benefit to fund the house. 
A : Is this using bait and switch tactics against me as a licensed realtorin XXXX, that was disclosed to XXXX and XXXX from the beginningB : I have all emails from XXXX XXXX from the beginning of theprocess for the loan and all statements from him. 
C : Capital Benefit changed the terms and conditions at the last secondand now it was a non-owner occupied property and I did notsign the loan docs as this was not true. 
The escrow was cancelled. 
Item XXXX. I want my {$270.00} back for the home inspection I did operating in goodfaith on this loan. 
2. I want {$450.00} back as this is the amount I paid for the home appraisalthat did appraise at {$190000.00} to buy the home3. My time is worth {$200.00} an hour as a realtor and I spentover 40 hours of my time to find the property and buy it, I want {$8000.00} back to me. 
4. The commission I was to receive for the deal was $ XXXX I deserve this back as well
My XX/XX/XXXX property taxes were not paid in a timely manner. I contacted Mr. Cooper ( NationStar ) on or about XX/XX/XXXX about the delay in payment and the fact that fees and penalties were incurred on my account. I was assured that the taxes would be paid. On XX/XX/XXXX, I received an email from Mr. Cooper indicating that my taxes had been paid. Again, on XX/XX/XXXX, I received another email indicating that the second installment of my taxes had been paid. 

On or about XX/XX/XXXX, I received a Notice of Intent to File XXXX from XXXX County indicating that they had not received any tax payments. I email Mr. Cooper on XX/XX/XXXX and received a response and attachment showing that they had sent the payments. I called my county tax commissioner and was again told that they did not receive payment. 

I email Mr. Cooper on XX/XX/XXXX and asked about the non-payment. I received no response from them. I posted a review on the XXXX website on XX/XX/XXXX and a representative from Mr. Cooper emailed me. I was able to speak with a " live '' person and relayed the issues I was having with my tax payments. She ( XXXX XXXX ) stated that the tax check had been " lost in the mail '' and would be resubmitted. I have an escrow account, so there shouldn't have been a problem paying my taxes. Now, I fear that if I don't pay the taxes on my own, I will stand the chance of having a lien placed on my home. 

Mr. Cooper has been an absolute nightmare to deal with and it's not getting any better. As a reference point, I filed for Ch. XXXX bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. I did not reaffirm my mortgage. However, I am still in the home and paying monthly ( on time ). XXXX was the original mortgage holder, but they sold the mortgage to Nationstar in XX/XX/XXXX. They are no reporting my payments and there's no reference to my discharged bankruptcy. 

As an aside, I think the Federal and State governments should consider taking a closer look at Mr. Cooper 's business practices. The vast number of complaints that I observed on XXXX should raise a red flag with banking and financial institutions.
This complaint involves a transaction with Wells Fargo Bank. On XX/XX/XXXX I signed up for a Premium XXXX account after being solicited by this company. The email I received said that I should cancel this account by XX/XX/XXXX, a Saturday or I would be charged a {$570.00}. XX/XX/XXXX and XX/XX/XXXX I had a pulled hamstring muscle and was unable to walk and also sick with the flu. I intended to cancel the Linked In account on Saturday XX/XX/XXXX but due to the above distractions I forgot to cancel on XX/XX/XXXX. At around XX/XX/XXXX on Sunday, XX/XX/XXXX I remembered that I had forgotten to cancel my Premium XXXX account and I emailed XXXX saying I was canceling it. However, no one from XXXX answered my email and XXXX does not have a phone number. On Monday, XX/XX/XXXX, I phoned Wells Fargo Bank and the representative I spoke to said that the charge of {$570.00} had not yet cleared my account. So I asked her to stop the charge since I think technically that the money is mine until the transaction clears. I know that you can stop payment on a check and assume the rules are the same with a credit card transaction. This representative said she could n't stop the charge because the money had n't yet cleared my account so I asked for a supervisor. The supervisor I talked to said she would put a claim on my account which is claim number XXXX. She said I would hear from the bank about this claim in ten days. On XX/XX/XXXX I received an email from Wells Fargo saying they had completed their investigation and they would send me a letter explaining it. However, I have n't yet gotten a letter from them. I also noticed that Wells Fargo had not credited the {$570.00} to my account. I called today and a banker said the claim had been closed. I assume, therefore that Wells Fargo will not be crediting my account for this amount because they would already have put the money back into my account.
Citibank/Citicards. 

Fraudulent charge to my card on XX/XX/2018 for single transaction of {$24000.00} in another state. No fraud notices or warning from Citibank. 

I discovered and reported the fraud to Citibank on XX/XX/2018. Citibank reported the fraudulent charge to the credit bureau 's, which  made my credit-to-debt ratio appear to be 31 %, which lowered my credit score 112 to 123 points depending on the credit agency, which had undermined my ability to get competitive rates for home loans. I have since cured the credit error with the credit bureau 's ( at least XXXX and XXXX  ). 

Citibank fraud investigation contacted me and confirmed the fraudulent charge would be removed from my account. Citibank also issued me a notice acknowledging they asked the credit agencies to delete the account from my report due to the fraud. 

The Citibank account is set to auto-pay the full balance from my personal checking account on its dues date. Citibank never reversed the fraudulent charge as promised, and the full {$24000.00} was debited from bank account on XX/XX/2018. 

I spoke with Citibank customer service that same day on XX/XX/2018. I spoke with XXXX and her supervisor XXXX. It took 54 minutes, but XXXX finally said she processed the refund, that she would do everything in her power to get it credited back to my account that same day, but it may take 3 to 5 days, and that she would follow-up with me that afternoon to confirm the status of the refund. I was never contacted by anyone from Citibank and none of the {$24000.00} has been returned to me. 

I called Citibank customer service again on XX/XX/2018 and spoke with XXXX. XXXX informed me that the refund had been rejected, and that she had to re-initiate the refund ( which she would not have done except for me contacting Citibank again ). Even then, she said that they would not refund the full amount due to a few hundred dollars in additional charges since then, the balance for which was not due and payable yet. I requested the full {$24000.00} be refunded to me, but she said she was not authorized to do so and would process the lesser amount ( approximately {$24000.00} ). She also stated that it had to be approved by management and would take 3 to 5 days. I asked to speak with management to get it approved today and she refused to transfer me.
I had found a bunch of fraud on my XXXX checking accounts with Chase bank, and called and reported it. On the XXXX account ending in XXXX they found in my favor completely, on XXXX/XXXX/15 I realized that they have n't done anything on my other account, so I called and reported it again, this time on just the XXXX account. I received an email that they need more information, and called immediately, then I got a letter that they had found against me and would be taking the money back out of my accounts. So I called and enquired what they did, and I was told that they did n't actually investigate anything but they said since I did n't report it in a timely manner ( which I had according to law, and according to law I can not be held liable for fraud over {$100.00} to a debit or checking account credit card ) and therefore since I had access to the account the entirety of the time, they refused. So of course I flipped my lid because that was just wrong and the girl told me she would put it up for re-investigation and send me their files and then I could respond again. Today, they took XXXX and it bounced both my accounts into the negative and it is their fault for not investigating both accounts in the first place, again they found in my favor completely with my other dispute. Furthermore, this dispute should be resolved by actually investigating, I am absolutely appalled at how they handled this, especially since they have been an outstanding bank in other instances, I 've never had a problem with them.
I was in need of money and I decided to get a payday loan, but I made the mistake of doing it online. I got matched with multiple lenders and they called me in the first stage with what they had to offer. I renewed a little later again with them since I almost lost all my money paying it back to them. So, now I am short of money again and I re-borrowed. The interest rates they have and the number of loans are prohibited by the State of Indiana. Also, these loans and their companies are illegal and not licensed in State of Indiana. I talked with XXXX ( XXXX ). They said these are illegal practices. They suggested I close my bank accounts and call out these lenders who get people sucked into traps like this when they can not actually even offer or enforce these based on the State Laws. XXXX suggested that I log a complaint against such institution here at cfpb Companies are listed as below : CastlePayDay - {$1500.00} https : //www.castlepayday.com/
Equifax failed to report correctly and after multiple disputes and investigations, they have always come back to the same conclusion without investigating and are slow to even help me with my issue over the phone/writing and now this complaint. My last complaint i made to them, I 've told my side of the story, it came back twice that debt was mine from Equifax and they also sent me a free credit report but was still reporting. Finally the Original Creditor took it off my report because it was FALSE, but as an example, Equifax was no help prior to that. 

My issue this time is the same. They are reporting that i have an Open account with XXXX. I DO NOT, and this has been dragging my credit scores down for over 5 years now. They need to take me seriously and take this off of my report. I have personally found every piece of evidence that i do not have a loan open with santander. 


I have reported my issue with XXXX ( XXXX ), i have written a letter to contact my XXXX representative and Senator, and I 'm now writing to CFPB for more help. Both XXXX and XXXX have helped me very quickly because it 's obvious. Equifax will need to fix my issue immediately. I have finally found every piece of evidence to prove to CFPB and if i get denied again, ill will take further action. 

I have attached my equifax report on XXXX. It shows its an open loan and is still paying. This is account is PAID AND CLOSED. this account was joint and i was not even sent bills nor paperwork. I have never lived at the las vegas address that is listed from XXXX. I did not sign anything for XXXX. Name says " PRIMARY = XXXX ''. Equifax have also failed to change my info. My middle name is spelled wrong. This goes to show, XXXX and Equifax did not make a good enough job when i was added as a co applicant or going through paper works. 

i have attached a bill that says last payment which is XXXX balance on the loan in 2012 but how is Equifax reporting that its open and still being paid? Equifax has been ruining my life and credit score over this and it needs to be fixed. Many Fair Trade Acts are being broken here and i time in the next couple of months to go as far as i need with this.
XXXX XXXX - Account XXXX .... 

This account in incomplete and incorrect. 

Was opened in XXXX and closed in XXXX Has an Inaccurate Pay status, it should be Paid/Closed XXXX Balance Is missing its balance history for the duration of the time the account had been open Is missing Payment Data for the duration of the time the account had been open Has erroneous comments added - to this and almost all of my accounts.
I never received any loan from this company I sent over afadavivt they claim.it went to account ending in XXXX I never received any account number like this in my life they are not being to helpful in resolve this matter.
" " '' I have disputed this collection on this XXXX XXXX XXXX  XXXX XXXX for months.XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I co-signed a private student loan from Navient in XX/XX/XXXX, which was discharged in bankruptcy in XX/XX/XXXX. Navient continues to try to collect, at first directly, and now through third parties, despite multiple letters from my bankruptcy lawyer. When confronted with this information, their agents and third parties claim ignorance, and then a few weeks later a different third party attempts to collect. What is even more annoying, as I try to rebuild my credit, is that though they list the debt on my credit report as Charged Off, they update the balance every month as if it was still collecting interest, causing a negative credit impact. You can't write off a debt and still collect interest on it, that's illogical and unethical and probably illegal, I would think. It's certainly annoying.
Credit Acceptance Corporation is reporting my account status to keep my account as a negative account with the XXXX credit reporting agencies ... On my credit report dated XXXX/XXXX/XXXX it shows that Credit Acceptance Corporation reported my account as " Paid in full '' was a collection. However as of today 's date XXXX/XXXX/XXXX my credit report shows account is now past due with a balance of {$8600.00}. Also by Credit Acceptance Corporations own Monthly Reporting to the credit reporting agencies and the paperwork they provided me they claim that my balances were XXXX amount and the amount the paperwork they sent me are different by amounts ranging from $ XXXX {$7000.00}. Each an every month.
The Best Service Company has been harassing me trying to collect a debt I do not owe. Although the original creditor sent me a letter XX/XX/XXXX stating that they did not have any record of the alleged debt this collection agency has been harassing, and report negation information to the credit bureaus. I am also here, reporting the unfair behavior of XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, New Mexico for telling me on one hand that they did not have any record of this alleged debt, and on the other hand allowing their collectors to harass me XX/XX/XXXX. 
Enclosed is a copy of the letter from the original Creditor.
A little over a year ago I enrolled in direct charge to my checking account to repay {$99.00} a month at a reduced interest rate, at the end of 1 year I was told that I was going back to the higher interest rate and the previous offer was only for one year, even though I was told that I could renew it every year. Very misleading. Also Discover advertises that you could redeem your bonuses anytime. Yet when I tried to redeam my bonus points I could not because I did not have {$25.00} in bonus. J also never gave them permission to put my credit score on my bill. Unfortunately I get my mail in XXXX XXXX and one of my bills went into someone elses box and it was opened. This happens quite often.
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 day late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.