WillisBack/dataset-financial-user-claim huggingface dataset:
I was taking money out of a Chase ATM Machine at a Chase Bank on XXXX XXXX in XXXX Ohio XXXX XXXX, 2016 at roughly XXXX. During the transaction, the power failed at the ATM, debiting the amount, while not giving me my money ( Approximately {$120.00} ). I immediately called Chase, who told me I would receive my money " within 12 hours '' and an email confirming it would be sent, which I never received. 2 days later, without the money, I called again, and was repeatedly told " another 24 hours ''. 

This happened for 3 consecutive days, being told my " money was in the process of being transferred ''. Each time I was told to wait, in that " 24 hours '' my money would be refunded. 

Finally, after over a week of no information, I demanded to talk to a superior. I was told the investigation was completed, and that my money *should* have been issued, but for whatever reason, it was n't because of an " unspecified error '', but they would offer me " conditional credit '' that they would give me, but take out in 7 days. I declined, as this is not a conditional credit since the matter was already resolved through investigation. Throughout this entire process, I was never told once about the Consumer Protection Act or any other remedies to this. That I would " have to wait until their computers figured it out ''. 

Demanding some sort of written confirmation, I was sent an email confirming that the investigation was completed 5 days after the transaction, and that the amount should have been immediately credited, which it was not. According to the Funds Transfer Act, the money should have been credited then ( I will be including the email ). 

Today, I called, a full 12 days after my money was taken, and was told it will take " another 48 hours possibly '' to get the money, although at this point, I have no faith that the bank will fulfill its promises to me, and they refuse to give me any written confirmation that the money will be returned. Every time, Chase confirmed that the money was not refunded, but could not give me a reason why. 

I have included the image of the email sent by Chase, confirming the investigation was completed on XXXX XXXX, 2016, as well a read-only XXXX file from the Bank, including all my transactions in the period XX/XX/2016-XX/XX/2016, confirming that the amount was not refunded.
I am in the public service forgiveness program and now they are telling me I am not in the right repayment. It has to be income based repayment, when I went home and looked at all my papers from 2010 when I applied. I applied for the income based repayment and application I have all the supporting information. EDfinacial is telling me none if my payment will be counted towards the forgiveness. They are trying to scam me. This is ashame that they do this to students who have debt and are working hard and they do this.
My son XXXX wanted to pay off my car since he was XXXX in XX/XX/2017, helping the survivor victims in Puerto Rico. I have continuously received poor customer service from Citizens One employees over the phone and in person at the branch. My account number is XXXX, I have been given the wrong pay off balance since XXXX, I have gone into the branch and they have refused to accept the check my son sent me to pay off the car. In an attempt to finalize the car payment he went online and paid off the majority of the balance leaving a small balance of less than XXXX XXXX dollars. I went into the branch and was told that since the car was paid in full that they will stop taking the monthly payment funds out of my checking account. I was advised to mail in a check of the sixty something dollars to the pay off department. I did that and the bank went ahead and withdrew the full monthly car payment amount after the car was paid in full and cash in the XXXX XXXX dollar check that was suppose to be the final pay off. I disputed with my bank the unauthorized car payment deduction and now Citizens One bank refuses to send me my car tittle, they have sent me numerous letters one stating that my car was paid, then another one saying that they are sending me to collections and a third one stating that I have to pay for a replacement tittle for the car when they have never sent me the original tittle in the first place. I am a senior citizens and do not understand all this confusion, no one in the branch is willing to help me and over the phone I continuously get wrong information, pending balances and rude service. It is the banks responsibility to issue a tittle once the car is paid off, I have gone to the Motor Vehicle Department and was advised that the bank is issuing a lost tittle claim so I in return would have to pay XXXX XXXX dollars for a replacement tittle.This has been the worst experience of my life trying to get a straight answer to a pay off quote, if my car is indeed paid in full and to try and get my tittle to the car my son paid off for me so I wont have that bill.
I obta  ined a Chase Credit Card Promotional Balance Transfer with 0 % interest ( 2 % up front lump sum charge charge ).
I inquired via a phone call with questions prior to obtaining the Promo Balance Transfer ( I used a check that was sent to me from Chase to obtain the balance transfer ). The main question was : If I use my credit card for regular purchases, will interest be charged if I pay the purchases, in full, at end of billing cycle. I was advised that I would not be charged any interest on purchases if paid by deadline of the billing cycle. Also, the writing with the Chase checks that were mailed to me did not disclose that any " new purchases '' will be charged interest from initial date of the new purchase, which contradicts my credit card agreement with Chase - m  y credit card agreement states that no interest will be charged for purchases that are paid for during the billing cycle grace period ( paid by the billing cycle " payment due date ''.     Once I took out th e Promo Balance Transfer - Chase h as started to charge interest on " new purchases '' from date of purchase and has eliminate the grace period.     A class action should be initiated aga inst Chase to recover customer interest paid on " new Purchases '' after a Promo Balance Tra nsfer was initiated which interest charges contradicts the consumer credit card billing and payment agreement.
One of the reasons given for denial for a home equity line of credit was a bankruptcy from 2004, which was due to a divorce. I have had perfect credit sense. I do n't understand how I can be denied credit when it 's too old to be on my credit report. On the application they ask if I had EVER filed for bankruptcy, not just in the last 7 or 10 years, so I divulged that I had.
I have been paying for equifax credit monitoring services for over 3 years at this time. When the breach occurred I was not informed by the company at any time. When I called on XXXX17 to receive free monitoring services and/or be reimbursed for the year I have been paying for the services since the breach, I was only offered the same services as those who were not already paying customers. 
When one pays a company for service and they do not provide ( or in this case actually do the opposite and lose your data ) then one would expect some form of recompense. Instead I was given the run around and offered only the same mediocre services given to non-paying customers. 
Services costing $ XXXX {$200.00}
I pulled a copy of my   credit profile through  XXXX  and saw that a collection account regarding account #  XXXX  and   XXXX   which ARS Account Resolution claim I owe {$1300.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX   ) fr  om your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [  15 USC 1962e  ] ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
On Friday XXXX XXXX I had called CapitalOne requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from CapitalOne, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called CapitalOne once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from CapitalOne. I called CapitalOne today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.
I contacted CFPB regarding National Credit and XXXX XXXX XXXX regarding an apartment I rented and because of that complaint, the company has stated on my credit report that I made a payment. This is totally untrue, I have not made a payment as I do not believe I owe them at all. They have 2 accounts on my report, in the amounts of {$3400.00} and {$1000.00}.
National Credit continues to make false statements on my report. When is it okay for them to report false information on credit reports?
Aargon Collection agency is attempting to collect two debts that I do not owe. I've disputed both debts several times and the only reply I keep receiving is " verified. '' The original owner of the account is XXXX   hospital. I NEVER signed the financial agreement and both companies have refused to provide me with proof that I agreed to be financially responsible.
I had several items hit my account this week, I knew I would have a couple overdraft charges and was fine with that as I needed to go over and accounted for it. I did not account for XXXX overdrafts!!! I am charged almost {$200.00} in fees XXXX of which were not even putting me in overdraft, they give a bogus reason of it might have caused an overdraft and still charged me the fees but I was not negative except in the hold which also makes no sense. I should have gotten XXXX fees at the most, not XXXX!!! They always do this and it seems so unethical and wrong, how can they charge me when I had the money just for a hold?!!!!
I had tow account in collection that are on my credit report with Midland Credit management that are over 8 years of age and no responce from XXXX and one account is not mind XXXX
I have written four letters disputing XXXX from XXXX, Equifax, and XXXX. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.
I am writing in reference to our auto loan that was bought by this company in XXXX XXXX from a local buy here pay here dealer. We were told that the terms of the contract would remain the same and it was just a transfer. Our loan terms indicate that we make a payment on the XXXX and the XXXX of each month in the amount of {$140.00} ; however XXXX calls us every other week claiming a payment is due. From XXXX to the present date of XXXX XXXX, XXXX we have received over 30 collection calls from them as well as written correspondence. These calls were not warranted and have no merit based on our original contract signed by us. I have called midatlantic twice to request a copy of our terms and contract and was told that it 's the same as whatever I signed with the dealer but they still have not provided me with a copy. The only information we received was them informing us that they bought our loan. If in fact the contract is the same then we should only have payments due on the XXXX and the XXXX and not every other week as they are saying in their collection calls. Additionally we had a 10 day grace period to make payments without any penalty but this has not been honored as their system is not accurately showing our payment due dates. This is predatory and harassing to repeatedly call customers before the payment due date and every single day following. My most recent collection call was received today XXXX/XXXX/XXXX, one day before the payment is due and this has been going on for months now. When I tried to explain to the rep my concern he stated their system was not showing payments were on the XXXX and XXXX and he would get a supervisor to review it. When we purchased from the previous dealer it was with the intent of doing business locally and having the ease of going to an office to make a payment on the XXXX and the XXXX in the amount of {$140.00} ; however with Midatlantic there are not any local offices and in order to pay by convenience there is always a fee associated, ie. XXXX XXXX, XXXX XXXX or credit card payments. They all are attached with additional fees so our payments now range from {$150.00} with a online credit card payment to {$160.00} using XXXX XXXX or XXXX XXXX.
On XX/XX/XXXX I visited my doctor for a routine preventive care checkup. My insurance company, XXXX XXXX ( XXXX ), paid the covered claims for this visit on XX/XX/XXXX. Some charges were beyond XXXX coverage and I paid those in full by check. 

XXXX XXXX, my doctors medical group, began sending me a bill for {$230.00} starting XX/XX/XXXX for a preventive care charge XXXX paid 5 days later on XX/XX/XXXX. I received the bill each month and I returned it along with the Explanation of Benefits from XXXX showing that XXXX had already paid the {$230.00}. 

I called XXXX In XX/XX/XXXX to tell them what was happening. They sent a notice to XXXX XXXX stating they had paid the claim on XX/XX/XXXX. 

The bill kept coming. 

I called XXXX again in XX/XX/XXXX, and they sent a second notice to XXXX XXXX stating they had paid the claim. 

The bill kept coming. 

On XX/XX/XXXX I received a Request for Payment from Mountain Land Collections for this same bill, now at {$290.00}. 

On XX/XX/XXXX I sent a letter and copies of XXXX Proof of Payment to Mountain Land Collections, demonstrating that this bill had already been paid on XX/XX/XXXX. 

Now, Mountain Land Collections attorney, XXXX XXXX of XXXX XXXX, Utah, has called me several times since then. I sent them the same letter and copies of XXXX Proof of Payment. 

On XX/XX/XXXX, I received a Request for Payment from XXXX XXXX in behalf of Mountain Land Collections for this same bill.
There are 8 inaccurate late payments being erroneously reported by Navient from XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through Navient Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no avail. I submitted documentation two times to Navient directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. Navient has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with Navinet and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another Servicer in XX/XX/XXXX. So Navient no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another Navient supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>Navient appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.
I went to open a Checking Account with Chase on Saturday, XX/XX/XXXX. Everything proved to have been accepted and I received my temporary card in which I deposited XXXX dollars immediately. When I attempted to log in today, Wednesday, XX/XX/XXXX I come to find that my account is restricted and after following up with a call to their customer care, it has been closed. 

I did not receive any information as to why my account was closed. This is the second time Chase does this without a reason as to why they are closing. They simply state, I am sorry but we can not release this information to you?
My XXXX XXXX account ending in XXXX is showing closed and I reopened the account a couple days after closing it. I closed it in error in XX/XX/XXXX and reopened it inXX/XX/XXXX. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But the balance on my statements and being reported to all the bureaus is the balance from when I closed the account in error - {$900.00}. The balance of the account as of today XX/XX/XXXX is {$620.00}. I have made payments each month and the payments and balance is not being reported. Also the account is still being reported as closed. I received a letter from XXXX XXXX giving my balance on XX/XX/XXXX of {$720.00} ( I have made another payment since then ). But that amount is not being reported or my new payment or that the account is open. I received a call from XXXX XXXX stating that they are reporting the proper information to all 3 credit bureaus and that they corrected any errors. But my reports still show the same information. Account closed and balance of {$900.00}
On XXXX/XXXX/2016 my human resources manager came to me with concern over a phone call that she received from a " XXXX XXXX '' asking her what our company 's procedure regarding them coming to remove me from the company. I looked at the phone number she had written down and recognized it to be that of a collection agency that I have dealt with in the past regarding a online payday loan with " my next day cash '' I called and spoke with a male who would not let me speak with XXXX XXXX and who went on to describe the debt and informed me that it was check fraud, several attempts to serve me with a warrant had failed, so now they were coming to my job to " remove me '' The debt with " My next day cash '' is 2 years old. The reason that I received a loan from my next day cash is because I had run into some financial difficulties and I needed the help. I was making my payments until I again ran into some financial difficulties with my husband and the IRS. The phone call upset me and the human resources manager as I have told them to stop constantly calling my place of employment. They have my cell number and house number and they also have my email address to contact me. I concur that their collection practices are a violation of the debt collection laws with their blatant threats to incarcerate me and constantly interrupting my place of business, when they were told to stop. I did not get the gentlemen 's name who I spoke with but he informed me that he was with XXXX XXXX and my case number is XXXX. They were calling from XXXX.
DEAR CFPB, this complaint is in response to a correspondance from the OCC 's XXXX dept. case # XXXX concerning what I assume is some credit card debt that does not belong to I, XXXX XXXX XXXX and a judgment is in the public record that is erronously appearing on XXXX XXXX credit file unjustly. Please refer to case # XXXX. The agency Resurgent Capital Services is the entity who responded to my complaint against XXXX XXXX or XXXX
I received paperwork in the mail in an envelope marked as Chase bank about two months ago. It included a XXXX and an XXXX form. These forms were accompanied by a letter claiming that I needed to fill these out and return them to Chase Bank or my credit card account could potentially be closed. This all seemed very scammy to me so I called Chase to Verify. Long story short, I spent over an hour on the phone with about XXXX different people from Chase Bank. The first XXXX told me these documents were not sent by the Bank and that I should not fill them out and that my account was n't notated in any way that forms were required. The last person I spoke with said he recognized the forms and that they send them out for information verification but that my account was n't notated to need the forms. I was reassured by this person several times that my account would n't be closed and there was nothing further I needed to do. The organization and confusion level of this company astounds me. No one could verify that these forms were legitimately sent to me. Now here I am, two months later, with a closed account. I was never notified of the account closure. I used the card a week ago and noticed it was closed when I went to pay it yesterday. I did n't receive an email or any form of notification for that matter. When I called Chase to complain, I did n't even receive an apology. The person I spoke with informed that I received bad information from those that I spoke with at Chase and that my account was closed due to failure to send in the above mentioned forms. He also informed that the only way to get my account reopened was to mail them this information and continue to call and check on my account. He stated that they would n't be calling me and that I would personally have to push the issue. This whole situation is laughable and I would never have fathomed that JP Morgan Chase would have such pitiful customer service. I have never paid late on my account and have been a loyal customer for years. They should treat their customers better.
Filed complaints about XXXX equifax and XXXX all 3 were asking for proof of who i am so i finaly sent all 3 a copy of my state id proof of address by social security mail from social security i happy to say XXXX finaly sent me my credit report but equifax an XXXX are still asking for more proof and refusing to send me what they have on my reports what i sent i sent to all 3 credit companies it was good enough for XXXX why not the other two agencies?