WillisBack/dataset-financial-user-claim huggingface dataset:
Synchrony Bank rewards their Banana Republic Visa credit card holders who have " Luxe '' status with a XXXX % points bonus each calendar quarter, once the quarter is over, and I do have Luxe status. For example, if I earn XXXX points from XX/XX/XXXX-XX/XX/XXXX, then I would receive a XXXX point bonus as well. 

I have called and tried online emailing multiple times with my inquiry, but Synchrony bank has never responded with any sort of explanation other than " nothing is wrong, '' even though I have explained my issue in detail to multiple phone representatives and they have acknowledged it. 

Here is my issue ... XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX, the XXXX % bonus they gave me ( and which appeared on my XXXX XXXX statement ) was not nearly equal to XXXX % of the points that I had earned from purchases XXXX XXXX to XXXX XXXX. Here is what I earned : -- On my XXXX XXXX, XXXX statement, I earned XXXX points from purchases in XXXX. 
-- On my XXXX XXXX, XXXX statement, I earned XXXX more points from purchases -- On my XXXX XXXX, XXXX statement, I earned XXXX more points from purchases. 
-- I also made a lot of purchases from XXXX XXXX to XXXX XXXX, XXXX ( which appeared on my XXXX XXXX statement but still count towards the quarterly bonus since they were " earned '' XX/XX/XXXX ) that earned me XXXX more points Therefore, XX/XX/XXXX, I earned XXXX + XXXX + XXXX + XXXX points, which adds up to XXXX points. Since I earned XXXX points in that quarter, then I should have received 20 % of that, which is XXXX, in bonus points. However, on my XXXX XXXX statement, I received a " Quarterly XXXX 20 % Bonus Points '' of only XXXX. So taking the difference between XXXX and XXXX, Synchrony Bank still owes me XXXX rewards points. I have explained this to them, and after investigating either I have gotten no response, or a superficial " everything is correct '' response. Clearly, though, I have not received a bonus of XXXX % of my earned rewards XX/XX/XXXX, and I would like to have them applied to my account, without having to wait any further.
Capital One lied to me about being able to receive a letter from them, I had asked for a letter back in XXXX but I kept getting misinformation from them. I was told they were unable to send me anything due to legal requirements. I was able to get what I asked on XXXX XXXX via fedex which they claim they ca n't do. I faxed over documents to them on XXXX/XXXX/16 because due to their misinformation, I had a bank line of credit defaulted which means this will go on my credit report. They required a letter on Capital One 's letterhead which I notified them of. I am entitled back fees due to misinformation and lies of {$1000.00}, this will pay off my line of credit and plus any late fees that I had due to this. I have called numerous times on and I have not received a response from the company on this. Capital One could have sent me what I needed months ago but kept giving me brush off.
We are still waiting for the reimbursement of the two ( 2 ) {$30.00} fees and an {$18.00} fee which Freedom Mortgage charged on our loan, enriching themselves by charging us both on the statement account AND they also charged our escrow account when we recently refinanced our home at XXXX XXXX   XXXX XXXX XXXX, CA XXXX on XX/XX/2018. 

In other words, they charged three ( 3 ) SEPARATE {$30.00} FEES, TWO ON THE STATEMENT ACCOUNT AND A THIRD ON THE ESCROW ACCOUNT. They also charged two ( 2 ) separate Recording fees, once thru our escrow and another directly on our Freedom Mortgage statement. We will no longer be doing business with Freedom Mortgage and their double and triple billing only reinforced our decision to leave that company..

IN ADDITION, Freedom Mortgage charged a late fee of {$100.00}, WHY??? We were never late, how dare they take a {$100.00} fee for a non-existent late payment? AND they failed to notify our escrow company, XXXX that there was no late payment, therefore, no late fee of {$100.00} applied. They have billed the {$100.00} thru our escrow account and directly thru our Freedom statement also.

And finally, Freedom Mortgage charged us {$170.00} in ESCROW, WHY? We do not have an escrow account with them. And if they did take close to {$180.00} in ESCROW, where did they apply it exactly? They did not apply it to our XXXX County Property Tax Bill, so what did they with the {$170.00}, and why did they take it in the first place when we do not have an escrow account for us. We pay the taxes directly to the XXXX County Tax Collector on our own. 

In short, Freedom Mortgage charged three ( 3 ) separate {$30.00} fees thru escrow and directly thru their statement. Freedom Mortgage also charged two ( 2 ) {$18.00} fees, one thru escrow and another directly thru their statement. They also charged two ( 2 ) {$100.00} late fees, one thru our escrow company and a second late fee thru the statement. WE WERE NEVER LATE, and yet, they charged two ( 2 ) separate late fees of {$100.00} each. In addition, a {$17000.00} payment to ESCROW BALANCE was taken, they it is not owed.

Freedom Mortgage enriched themselves with {$510.00} of our money and we want it reimbursed.

This is unethical, bordering on criminal behavior on part of Freedom Mortgage.

Thank you. 

XXXX XXXX XXXX and XXXX XXXX
My first interactions with this firm were relatively fine, but since my account was transferred to XXXX XXXX, the communication has ranged from sparse to incompetent to non existent or unpleasant. It has not gotten to the point of threatening, but just barely. 

I have submitted multiple proposals for settlement handwritten by mail as well as via email and have attempted to call my representative. I've even contacted the main office to ask for a new case representative and have copied other addresses and have not had anyone respond to those requests. Since the original papers were served, I have not received anything in the mail or email about my case before they have brought the recent actions. I call and email XXXX XXXX and she claims to call me back, but does not. She often does not return my phone calls or answer my emails. The few times she has called, it's been in windows of time where I have explicitly stated that I was unavailable. I have submitted proposals and asked for information on next steps and have not received anything. Phone calls and emails have stopped entirely. 

It was my understanding that they could not continue to take action on my account when there has been new filings for settlement options, but they have continued to take money from my account and place more freezes even after I have submitted formal proposals and have tried to communicate. I feel that XXXX XXXX is intentionally not filing or responding to let things lapse and take more money from me. 

I can not pay more money than I have and have tried to communicate my parameters and offer as much as I can, but have not been met with reason and then communication just ceased while money continues to be taken from my account. 

I would like to pay these off, but can't do so if they continue to take every penny I make out of my account each month. This is the second month in a row I am unable to pay rent on time and will have to pay additional late fees on all of my bills thanks to XXXX XXXX not doing her job and this firm not being responsive to my requests for communication. 

I no longer live in Colorado so I am unable to appeal to a judge. I also don't receive information in a timely manner in order to deal with these things before it is too late and I'm unexpectedly out thousands of dollars. I am happy to pay monthly to move forward with this, as I've been advised by members of this firm in the past, but I can't deal with unreasonable or predatory people.
With Navient, my loan went from XXXX to over XXXX in interest because of forebarence.
In XX/XX/XXXX I requested the name of the foreclosure attorney and a reinstatement quote. I took more than XXXX days to receive the reinstatement quote and I never received the name of the attorney. I faxed a XXXX page loss mitigation package on XX/XX/XXXX and I have a fax confirmation showing the transmission was successful. I called Stonegate on XX/XX/XXXX and was advised they never received the information and they have no obligation to search their records to locate the documents.
I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department and sent a copy of the police report and case number to XXXX XXXX, Equifax and XXXX in regards to a fraudulent account and hard inquiry listed on my credit report. The following fraudulent account and hard inquiry do not belong to me : XXXX XXXX XXXX XXXX XXXX, {$5100.00}, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX
On XXXX XXXX, XXXX I made a paid in full settlement with the collection agency for Barclays bank Delaware by paying {$1000.00} as a full settlement for the balance of {$2000.00}. The advised this account will be charged off with a XXXX ( XXXX ) balance. But after that they have not charged off my account with zero balance and also sent me a bank statement dated XXXX XXXX, XXXX with a statement balance of {$2000.00}.
I was offered a settlement back in XXXX in the amount of XXXX. the original balance was XXXX in some change. I advised the collector that i could set up the remaining of my XXXX dollar payments with my credit card, after being advised that one of my payments did n't go through. XXXX has been paid on my account. i called to resolve my account and the collector advised me that i would have to pay the amount the full balance which was XXXX and change. I advised the collector that he was being deceitful. I was never made aware that if a payment was missed that i would have to pay the balance in full. The account is a judgement and listed on my public records and is reported as the incorrect balance owed. I was contacted on the XXXX on my cell phone about my account. At the time i was working and unable to speak about the debt. I spoke with XXXX XXXX, who using verbal sarcasm, which is completely unethical.
I have a ambulance fee of {$430.00} from XXXX XXXX 2013, I had Insurance when i used this service. I just noticed it was on my credit so I gave them a call and told them i had insurance when i used this transportation service and that they did not run my insurance card, she informed me that It was way to late for insurance information to be given and that I had to pay this fee to collections. It js there fault for not running my insurance card and now i am stuck with an unpaid balance of {$430.00} on my credit. I never knew i owed them any money for this service until I started getting collections notices from this company
I made a mobile deposit on Monday XX/XX/XXXX. One hour after deposit I did some research and notified the bank and my bank of possible fraud. I repeated and plead for the check to be removed out of my account as the person who paid me was fraudulent. I was promised over and over it would be removed. I have spent day after day to try and resolve this matter. Now my account is froze and showing a negative balance. BBVA compass gave me the run around and would not remove fraud check off my account when I am the one who notified them of the problem and now it is stopping a direct deposit from coming in positive and now funds are showing negative in my account. I have spoke to many people and supervisors regarding this incident and now I have no money for my children. The check was for {$1900.00},. It was a bad check and I have emails and conversations with the scam artist. I also notified XXXX XXXXXXXX XXXX in Florida and I also spoke with XXXX and the bank is now known as XXXX XXXX in XXXX XXXX Florida. A direct deposit will be coming in On XX/XX/XXXX for my co owners account for {$1200.00} and my account is showing a hold of a negative balance. I am trying to resolve this issue and have provided both banks with a copy of the fraudulent check. I have been contacting for 4 days to resolve this issue.
American Student Assistance has listed the exact same debt with two different account numbers on my credit reports, showing I don't owe XXXX but XXXX! I have contacted them and the credit bureaus and they will not remove it. They also send me threatening letters that they will confiscate my income. They also call my employer and me and work, as well as send the letter to my employer. I'd like the reports updated and the contact to stop. I have asked for it to be corrected, but nothing has happened.
I have not had any resolution with this company to prove these medical debts are mine-Now I have new debts being reported from XX/XX/XXXX-XX/XX/XXXX-new dates etc ... .I have always had insurance, so this is inaccurate information.

They have stated I received notification, but can not prove when, nor show me documentation.

I have NOT received anything of this nature and they have and several complaints of un fair practices reported.

I have contacted and found that Under the FDCPA-A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Debt collectors resurrect old debts in an attempt to make some money. With old debts, there's a good chance the collector doesn't have the original documents proving that you even owe. 
If this is the case I demand these unknown debts to be removed from my report and to no longer be contacted from this company for the amounts of {$620.00}, {$380.00}, {$780.00}. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, & XXXX, XXXX are the 3 companies that keep showing up on my credit report.
XXXXXXXX XXXX XXXXXXXX has a charge off on my credit report for {$89.00} I have disputed this account many times and hasnt had a proper investigation. This is not my account and has hurt my ability to obtain credit for this inaccurate reporting. 
I believe this account is also reported wrong on all three bureaus Why on each bureau theyre are different high credit and credit limit? Also it shows different days that this account was opened. There is missing information on this account from each bureau and under the FCRA everything furnished should be 100 % accurate and completeness. This should be promptly removed as it is in violation of FCRA laws
I contacted XXXX XXXX XXXX XXXX ( billing ) at XXXX at the end of XX/XX/2018. I informed the representative that I had made a payment of XXXX  $ via the Patient Billing Portal website and will pay XXXX $ monthly to pay the debt in full. She informed me that the collection agency would be informed of my payment. I tried to reach XXXX XXXX XXXX on XX/XX/2018, thru their email XXXX but no reply. Then, I reviewed my credit report on XX/XX/2018 and the balance in my credit report shows XXXX . The correct balance is XXXX   . I want the account balance to be updated.
Capital One sent me a letter today by mail. The letter stated that my credit card account had been closed for inactivity one month prior XX/XX/2018. Letter was recieved XX/XX/2018. I called and spoke to the manager [ id # : XXXX ] who told me it was in my terms when the account had been opened. I explained it was not in my agreement when the account was open fifteen years ago. There was nothing he could do. I advised I did not recieve a card to be used I had no active cards in my possession. XXXX had no option for reaolution that my fifteen year old account would remain closed.
I have called and spoken to approximately XXXX people at XXXX to dispute an account from them that is listed on my credit report through them. It states that I closed the account and it went to collections, and that I still owe {$270.00}. I have never closed my account with them, the account number listed is not even an account number that they have. They have confirmed orally to me that I do not owe them any money, and have an active open account. They will not remove it because they tell me that they did not report it. It clearly shows that XXXX reported it though.
I received a collection letter for a debt that I do not owe on a private student loan. After calling the collection agency, I was told that the debt was from XXXX XXXX when I attended XXXX XXXX College in Washington State. I was not aware of any private student loan from my time at XXXX XXXX College so I called the school to inquire and they informed you that the school did not accept any private student loans so it could not have been for anything related to that education. I sent them a validation letter on XXXX XXXX, XXXX but I have not received any information back from them. Then today I went to see an attorney and she called and got additional information. They told us that the student loan was originated by XXXX XXXX XXXX who filed a bankruptcy in XXXX XXXX. However, they say the loan was sold to XXXX XXXX XXXX XXXX who is now the owner and that it is serviced by XXXX XXXX. We were told the telephone number is XXXX. During the conversation we were also told that the loan in question has been in forbearance for 9 years and that there has never been a payment on it and that repayment was not scheduled until XXXX. I have no knowledge of this loan and do not believe it is my debt and I finished an XXXX degree from XXXX XXXX College in XXXX. I only took out federal loans for that education so nothing about this loan makes sense. I am concerned because this debt is presented to me in a collection letter as legitimate and I can not figure out what it is or why it is collectible. Please Help!
Hi, This is XXXX XXXX. I hold my Bank of America credit card since XX/XX/XXXX. From the beginning to till XXXX XXXX, Bank of America reported wrongly my credit information to other person 's SSN. Due to this my credit score is heavily affected and I am in big loss.
In XXXX XXXX I received a notice in the mail stating that I would be able to earn up to XXXX XXXX XXXX XXXX by opening up a Citigold account. That month after I opened the account I sent them an e-mail that confirmed that they had applied the promotion to the account and they were waiting for me to fulfill the requirements. In XXXX XXXX I sent an e-mail to get an update on the promotion. Citibank stated that my requirements were completed and that I should wait until XXXX to see the points applied to my account. As of today I have n't seen any points and citibank refuses to respond to me.
Someone has made charges on my JCPenney Store Credit Card. I received an email on XXXX from Synchrony Bank the bank who extends credit for JCPenney stating I have a communication from JCPenney Credit Card. I havent used the card in at least 12 months so I knew something was wrong. I followed the link and tried to log in to my account and I was unable to do so. I called the number in the error message. It was the JC Penny Credit Fraud Department. I was completely worried at this point. I explained to them that the charges werent mine. The phone call was really choppy the entire time we were on the phone even though we were both on land lines. This concerned me but I asked a lot of questions because credit is everything in our society. Last Night XXXX I received an email with my statement balance. It stated I owed XXXX with a XXXX minimum balance with the due date of XXXX My concern when I talked to the representative I was told the charges would be reversed on the online order that was over XXXX dollars. I really just want to close the account after the two conversations I had with the fraud department, they are extremely rude and unhelpful, but I dont want to pay any charges for something I havent purchased. Again I havent use the card in at least 12 months. I dont shop at JCPenney I literally opened the account at the register when I purchased some work out clothing while in XXXX XXXX. I may have also purchase some XXXX XXXX XXXX XXXX a year ago but thats all. I can verify the dates of the above purchases because I cant log in to my account. I asked for a statement and I cant seem to get any answers. I asked if this may just be a mix up since a payment was made on the account in the amount of XXXX on XXXX XXXX. I heard that in my account summary when I initially called. The Fraud Departments manager refuses to help me she stated she closed the account but I would be required to pay the remaining fraudulent charges. I think this is unfair when they know I didnt make the charges, theyve credited my account for most of the charges except XXXX but they want me to pay the fraudulent charges by XXXXXXXX which is unfair because I didnt make any of the purchases. Please help me resolve the remaining balance on the fraudulent purchases and to close the account. I have attached the email I received and a copy of my drivers license to prove my identity.
I have a heloc loan with Bank of America which I was coached into by their employee. I was told this loan was a fixed rate, which its not, at the time I wasnt sure what I was getting into. Now, the payment has doubled and Bank of Americas bank statement doesnt have a separate line in their statements for accrued late fees they build it in to the mometkg payment. As of right now we are just trying to make the minimum payment and its just not right they they are including the accrued {$70.00}  late fee in the monthly payment. I have complained about this numerous times and nothing has been done.
I have a number of inquiries on my report from when I purchase my vehicle in XX/XX/XXXX I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX Ct XXXX! Is my ONLY address
In early XXXX, I called the bank to request an increase on my existing {$300.00} limit U.S Bank credit card that I have managed well since 2012. I had very good credit in which I have been building for many years. 
I requested a {$1200.00} increase through a phone conversation with US Bank Customer Service Employee, which would make my available line of credit {$1500.00} total. About a week later, I received a denial letter from the bank for my credit line increase request. 
Each month when I would go into the bank, to pay the balance on my {$300.00} limit US Bank credit card, the bank teller would inform me I wasn't earning any reward points on my existing card. So, a few weeks after I got the denial letter when I visited the local branch, like usual, the teller informed me that I wasn't earning points. So I said, Okay how do I go ahead and get enrolled in points? ( Thinking I might as well get something out of my card if I am going to use it ) So that day, I believed I had been enrolled in getting points. A few weeks later, I went online to select my categories in order to earn a certain percentage back on each purchase. Only to discover that I had two available lines of credit open. One was my {$300.00} card and another was for {$6500.00}! Outside of my own knowledge, the US Bank employee had me sign on the electronic signature box for what I was explained to be credit card points, but turned out to be a credit card. When I set up a meeting with the branch manager, she was unable to do anything about the situation and could not explain to me how I was denied a {$1200.00} increase, but approved {$6500.00} on a new line only weeks later. I was told, by the US Bank branch manager, that US Bank employee received commission from me signing for the credit card that day. The manager informed me the teller signed me up for one of my pre-qualified offers. However, no offer was discussed with me that day, which also goes to show I did not know what I was signing up for. My best guess would be that with my good credit and standing with the bank that I had many offers and he picked the highest one without discussing them with me. The bank manager was unable to answer if I had other offers available and the only explanation was she felt that was the best one. However, it has a very high interest rate and I believe the line of credit is too high and put a huge ding on my credit score. It is just unfortunate that a commission driven employee is able to get away with a scam on a loyal US Bank customer.