WillisBack/dataset-financial-user-claim huggingface dataset:
citi bank customer service supervisor XXXX very rude to me. I asked for she honor her promised me to match the offer XXXX bonus mileage back after XXXX spending on my Citi Busniess AAdvatange credit card. but she denied it to me.
Navient began servicing my student loans from XXXX a few years ago. Went through a divorce, and financially struggling. Applied for deferment, but was denied. I was told a forbearance would be the ideal plan for me. Navient proceeded to add a sum substantial sum of money to the loan and the interest went up to 20 %. Did not see any of this when hitting the submit button for approval. Since then been paying back a loan and getting know where on the principal of the loan. In two years the balance has not moved. Customer Service difficult to deal with, and feel misled. Now they want me to pay {$300.00} a month starting in XXXX, when I can barley afford the $ XXXX monthly payment now.
AD ASTRA Recovery Services refuses to delete an account that is not mine, I have disputed the account on numerous occasions asking for a deletion. AD ASTRA sent me a letter showing a signature that is not mine. I also filed a compliant before and AD ASTRA advised me to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if AD ASTRA fail to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA.
Ever since Wells Fargo admitted wrong doing in the " new account sales scandal '' the bank has been delaying the posting of debits so that overdraft fee 's can be generated. 

The bank is resorting to tactics ( manipulating the posting of account debits to intentionally generate overdraft fees ) they previously publicly acknowledged and agreed to halt the practice thereof. 

I believe Wells Fargo Bank is resorting to unethical business practices ( described above ) to artificially boost revenue lost after the " new account sales scandal ''.
Someone is trying to set up their Paypal account using my email. I do not know if this is fraudulent activity, or a simple error.     After finally getting through to Paypal, they refused to take remedial action, and said that they could not remove my email from this account despite the fact that I never verified the account as being attached to my email.     Someone supposedly named  XXXX   XXXX  created the account, put in a credit application and transferred money ( internationally  ). I  have no knowledge of anyone named  XXXX   XXXX   ( aside from these emails ).      I do not have a Paypal account. I strongly object to someone using my email to conduct their ( possibly fraudulent ) activities.
I contacted Golden State Collections LLC after I discovered a debt on my credit from them. I have sent them XXXX certified letters thus far and I have not received a response and the account is still on my credit. It has been 3 months since I have wrote to them, the last letter was sent on XXXX XXXX.
Cbna/Sears I have never had an account with them note have I ever shopped in/from Sears in-store or via internet this has to be a mistake
The XXXX XXXX, XXXX and Mr. Cooper are violating The Virginia foreclosure laws by foreclosing on my house on XX/XX/XXXX. According to Virginia foreclosure laws a sale can not be held less than 8 days following the first advertisement or more than thirty days following the last advertisement. Also, the advertisement must be published in the local newspaper. My Deed of Trust specified to make advertisement a week for two weeks. In their last foreclosure sale scheduled onXX/XX/XXXX the Trustees only made one advertisement and that was on XX/XX/XXXX. That advertisement was supposed to run through XX/XX/XXXX. That is not what Virginia Foreclosure Laws said. It said once a week for two weeks. So there was no second advertisement made in XX/XX/XXXX. So, trustees is taking the only one and first advertisement made in XX/XX/XXXX as its second advertisement and that violates the Virginia Foreclosure Laws. The Laws did not say sale can not held more than thirty days following the First advertisement. It say more than thirty days following the second advertisement. So, technically the Trustees is violating the foreclosure laws in its quest to foreclose on house that came in quick succession following theXX/XX/XXXX foreclosure sale.
A company called High points asset keeps calling and leaving voice mails saying I have 72 hours to leave a statement on my behalf and that there are XXXX charges against me XXXX. Aways it is a recording. when I call back no one answers. They have also left messages on my parents phones as well
Credit Bureaus for no reason dropped my credit score from XXXX to XXXX. No reason was given. On time payments shows excellent.Oldest credit history good.Credit used Excellent. Recent Inquiries average. Why has the credit bureaus trying to destroy me? 

XXXX XXXX XXXX
Ditech home loans was my mortgage company. My mortgage was sold/given/bought by another holder. I sent 3 payments by XXXX XXXX XXXX bill pay to Ditech after my account was closed with them. The amounts were XXXX each payment. One payment was forwarded to my new lender. The second was mailed to me. The third payment is being held by Ditech. They have acknowledged that I sent 3 payments and realized that they have not returned my final payment. This has been going on for 5 months. I have called and spoke with several persons regarding this matter and have been told every time " the check is in the mail '' and to wait a few days. Ditech sent two checks out to me which I never received and asked for my routing number so they can deposit it into my account. I gave them 2 weeks to do that and still I have not seen my money.
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY APPLYING FOR MORTGAGE ASSISTANCE. MY SERVICER, NATIONSTAR, HAS NEGLIGENTLY PROCESSED MY MORTGAGE ASSISTANCE REQUEST. I VERBALLY WAS NOTIFIED THAT I WAS DECLINED AND I WOULD RECEIVE THE DETAILS FOR THE JUSTIFICATION BEHIND THE DECLINE IN WRITING IN THE MAIL. IT NEVER CAME. AFTER SEVERAL ATTEMPTS OF COMMUNICATING WITH NATIONSTAR AND ASKING OVER AND OVER FOR A WRITTEN DENIAL, I WAS INSTANTLY PROVIDED A DENIAL LETTER VIA EMAIL ON XXXX XXXX, 2015. THE DENIAL LETTER WAS BACK-DATED TO XXXX XXXX, 2015. I AM REVIEWING FOR A POSSIBLE APPEAL FOR THE DENIAL, HOWEVER, I WAS VERBALLY INFORMED THAT MY XXXX DAY RIGHT TO APPEAL IS ABOUT TO EXPIRE BECAUSE THE TIME CLOCK STARTED XXXX XXXX, 2015 XXXX THE BACK-DATED DATE ). NATIONSTAR DID NOT PROVIDE A DENIAL LETTER IN A TIMELY MANNER. WHEN THEY DID, THEY BACK-DATED THE LETTER. NATIONSTAR IS DENYING ME THE RIGHT TO A XXXX DAY APPEAL PERIODL
I received an offer from Citibank to open a checking account. This offer gave ThankYou XXXX points or XXXX miles based on meeting certain criteria. The criteria was that I open the checking account by XXXX/XXXX/2015, then within 60 days after account opening, I would have to make one bill payment each month for two consecutive calendar months. The account ( s ) must remain in Good standing. The points would be awarded within 90 days after completing those requirements. I have met all of the requirements. In addition, I have called Citi Customer Service seven times since making the requirement. I have spoken to three supervisors and one manager that returned my call. Each of the VERIFIED that I am eligible and I have met all requirements and that I would receive my XXXX points on XXXX XXXX, 2015. I called Citi on XXXX XXXX and was advised that I was not eligible for the points after meeting all requirements, seven phone calls, and $ 30 monthly fee 's ( {$90.00} total ). 
If at any time I was not eligible for this program, I should have been advised instead of the deceit and possible Fraud committed by Citi since they continued to bill {$30.00} in monthly fees.
I disputed a line item on my Equifax report. There is a charge of {$37.00} from XXXX XXXX XXXX. I always paid my dental bills at time of service and insurance also paid the bills. This is a fraudulent claim. If necessary I will file an action in state court for slander of credit. This claim was reported on XXXX/XXXX/2016.
I was referred to a broker who worked for Fleet Financial. My experience and complaint is against the company, not the individual. My husband and I have never leased a vehicle and after being presented with options by the broker, we thought this to be the best fit for our growing family. I leased a vehicle on XX/XX/2016 through Fleet Financial. They acquired the vehicle from a XXXX dealership and the financing was through XXXX ; however, Fleet Financial did not disclose any notice relating to what fees we would be charged for using one of their brokers and because there was no direct compensation to the broker, we were unaware that fees existed. I would have understood that no one works for free, but the context and way they were paid was never disclosed and in my opinion, misleading. 

The trade-in description and allowance on the lease shows N/A. We traded in my husbands XXXX. We were also charged XXXX for " optional insurance, '' we did not agree or know what this was. We also were required to write a check of {$460.00} to XXXX XXXX when this was not disclosed when we approved for the lease. Naturally, we obliged because of how far we were into the transaction. 

Lastly, the car was purchased XX/XX/XXXX, tags on the vehicle were due XX/XX/XXXX, I went to the DMV on XX/XX/2016 after wondering if I would ever receive the notice to go purchase my tags. After using my XXXX and taking over an hour at the DMV I learned that they were yet to receive the paperwork on my vehicle, thus, they had to give me an extension to XX/XX/2016, which was 2 months after the original date my tags were due. When I finally got a chance to purchase my tags the DMV employee advised that since it had been so long the amount due was much higher than it should have been, upwards of XXXX-XXXX dollars I paid in addition because of Fleet 's lack of due diligence. It is my suspicion that Fleet purposefully held onto the money in an interest bearing account instead of dispersing so that they could make interest on money which was not theirs. I ca n't imagine I am the only person this has happened to.
I purchased a round-trip ticket from XXXX XXXX on XXXX XXXX, 2015 using a credit card ( card # XXXX ) from Capital One. On the return leg of the trip, XXXX XXXX required me to pay a baggage fee, which I did using a DIFFERENT credit card ( card # XXXX ) from Capital One. The trip was then canceled and XXXX XXXX eventually refunded some of the monies ( about XXXX % of the round-trip ticket ) onto the original card to purchase the ticket. When I tried to get a refund for the baggage fee on the OTHER credit card, they could n't find the purchase in their computer system and nothing was refunded. I then disputed the purchase to Capital One. 

Capital One took my complaint, but then denied my refund since XXXX XXXX said they refunded the baggage fee onto the other card, yet they could n't find the baggage fee on their computer system when I called to ask for a refund? They also denied it because I did n't provide a refund receipt, which I never received from XXXX XXXX. Since XXXX XXXX has that data, should n't they be required to either give it to me in the first place or supply it themselves? I also want to know how an XXXX like XXXX can say they refunded monies to a credit card that was n't even used to pay for the baggage fee originally? Since I used card # XXXX to pay for the baggage fee, how can they say they refunded the baggage fee money to card # XXXX, even if that card was used to purchase the original ticket but not the baggage fee? 

Thank you for your time. 
XXXX XXXX
I have a Rushcard and my pay is deposited twice per month there has been an issue with customers of Rush including my self with having access to our money for more than a week some longer. My most recent issue is that my balance is not correct. Rushcard is saying that a gas merchant is holding XXXX for XXXX gas transactions XXXX for XXXX the other for XXXX. I have use this place XXXX of times now all of a sudden they are holding XXXX of my money for XXXX worth of gas, my balance with Rush changed 5 times in one day and on the day i got my deposit into my debit card less than half my pay was in there, that is due to Rush and not the merchant. Their was and is a problem with my availble balance because of Rush, if the merchant is holding my funds it is out of concern that Rush will not pay or when the merchant submits for payment that person will show no funds available because of the issues at Rushcard I have no money to finish paying my bills. XXXX remaing bills are for insurance and if not paid they will lapse. Nothing fair about this, people are suffering in many ways due to Rushcards carelessness
Last Sunday ( XXXX XXXX ) I sent XXXX dollars to XXXX via Western Union ( https : //www.westernunion.com/us/en/home.html ). Initially on their website they promised the money would be available in 4 business days but later when I submitted the order they said the fund will be available 5 business days. Now as I check on their tracking system, now they say it will be available on Monday ( XXXX XXXX ). So I called them and they say the money should be available Friday but can't say when. At a loss I asked them again when it will be available. They just repeated the same statement and hung up. Why do they keep changing the business day? And why can't they say when the money will be available? I'm afraid that the fund might be unavailable until next Monday and they will claim that it will arrived 5 business day.
On XX/XX/XXXX, my husband and I opted to take out a {$30000.00} Tuition Answer Loan through Navient. I ( XXXX XXXX ) was the primary and my husband ( XXXX XXXX ) was a cosigner on the note. When we took out the loan, we were on the verge of losing our house due to me only being able to work part time while I was attending XXXX school. We have XXXX children and felt that we had not choice but to take out the personal loan but looking back, we didnt realize exactly how bad the 10.75 % interest rate was going to hurt our family. Shortly after graduating with my XXXX XXXX, the total amount due on the loan was over {$60000.00} and my husband and I filed Chapter XXXX bankruptcy. We were told that we could not file bankruptcy against the loan by our attorney. Since XX/XX/XXXX, then my husband and I have been making regular payments of {$470.00} a month on the loan but since the interest rate is so high, we only have the loan paid down to {$37000.00}. I have no problem repaying my debts but I feel that the interest that we have been paying is predatory lending and I am disappointed that our federal government has n't taken control of the problem and helped us get a lower interest rate and given us additional credit towards the principal amount. We are the typical middle class family with two incomes and now our two of our daughters are teenagers who will be starting college next year. We have also not been able to save money for their college education due the the costs of my education. Perhaps what may be even more scary, is the fact that one day my own daughter may be prey to the same predatory lenders.
In XXXX my wife and I took out a first lien heloc loan with XXXX XXXX and XXXX to pay off credit card debt. One of the 3 cards to be paid Discover now claims not to have been paid. 9 years later a debt collector XXXX XXXX XXXX is trying to collect on this debt which started out at {$9000.00} and has grown to {$24000.00} with a default judgment that should be vacated because it is part of a secure loan I have been paying XXXX for the last 10 years. A mn attorney general 's office rep from the consumer services division, XXXX XXXX, has asked XXXX XXXX and XXXX XXXX XXXX to honor the hud1a statement which they have been sent a copy of that clearly states they have been paid. Please help quickly as we can not afford to pay a {$500.00} a month mortgage payment, a {$500.00} a month loan payment, and having my check garnished 25 % a week totaling over a {$1000.00} a month. XXXX  seems to have no interest in helping resolve the issue as we have made several attempts to contact them with no reply.
Checked my report and there is a report from Midwest recovery for {$920.00} from XXXX XXXX XXXX. Never took out a payday loan!
I opened up a PNC checking account that had a XXXX bonus promotion if certain criteria was met.
XXXX with Performance Select: Earn a XXXX bonus when you do the following:
    Open a new XXXX with Performance Select
    Establish a qualifying direct deposit of XXXX to your new account
    Make at least one payment with PNC Online Bill Pay
On XX/XX/XXXX I made a direct deposit of XXXX, on XX/XX/XXXX XXXX and XX/XX/XXXX XXXX which was followed by a XX/XX/XXXX XXXX bill pay.  I waited the prescribed amount of time and proceeded to call PNC customer service and inquire about my XXXX.  The customer service representative told me I did not qualify for the bonus.  I told them I wanted to close my account and the csr told me I would get charged a fee for early account closure for not being open 6 months.  I then waited until XX/XX/XXXX and proceeded to close my account.  I'm not happy that I did what other people did to receive the bonus which is the reason I want to file a complaint.
I received a call telling me that XXXX XXXX '' needed to confirm that I was going to home on Tuesday with ID to sign for a package. I asked who it was from he said HC XXXX. I explained that I did not want the package because I am not familiar with the sender. He then told me that he would forward through dispatch to the client who is sending it so that I can verify. I then was put on the phone with a gentleman telling me that a company was filing against me in XXXX County and he needed to send the me the documents. I advised him that I could not commit to be home during any 4 hour window on any day as I keep a busy schedule. HE then told me that he would advise XXXX County that I am a skip and they can deal with finding me. I said no problem sir, but for the record, your false legal jargon needs some updating because when a person is being sued, they are notified by the court so they do n't need your documents. Good Day! I called the XXXX County Courthouse and they advised me that they had no lawsuit pending AND that if a suit is filed and a court date issued they will provide me with the paperwork via certified mail or deputy service. Anyone who gets a call from these people, write it down because this process they are using will hurt them in court! I tried to call the number back to the so called courier service and no one would answer. Then I tried from my home phone an still no answer. Low and behold they called back and the name on the caller ID said " Hewitt Capital ''. I am assuming that this is what the HC in HC XXXX stands for. I guess they either own XXXX XXXX or they were ( and I am sure this is it because according to the real company XXXX XXXX whose number I found online, they are not affiliated ) misrepresenting themselves in order to try and collect a debt. I felt threatened, the conversation made no sense because I initially though he was telling my that I was being sued by the county that I live in. I called my country courthouse and they stated that there was no pending action against me for this company and that they would have served any papers to me. This man made me think I was suppose to be in court next week!! Gave a XXXX XXXX in the middle of lunch with my toddler, thought I was going to have to go to the hospital!
I was a customer of M and T bank for several years. Until recently, I had no complaints. However, I noticed this past month that I was charged a XXXX monthly fee for a service I thought was free. I checked my account and saw that this amount had been taken from my account for the past few years. 

When I called customer service, the woman was kind enough to inform me that my account required that I have direct deposit or XXXX dollars to avoid this fee. When I first signed up for M and T, I was told this account was free, and it was, considering that at the time I had my check direct deposited into my account. However, this money has been taken from my account since I left that job which was in XXXX of XXXX. I asked my customer service person if I could end this, she said yes, and that all I needed to do was downgrade my account. I did this immediately, and then asked what difference there would be to my account. She said nothing. My account status simply made me eligible for other benefits which I never used. I calculate that from XXXX of XXXX to XXXX of XXXX, I have paid XXXX for a service that was never used and never requested. 

What 's more, upon investigation, I found that in XXXX, M and T was fined XXXX dollars for just this infraction, and paid XXXX XXXX dollars in refunds to over XXXX customers complaining of this same issue. 

When I called M and T to ask for this money to be refunded to me, they said that this would not be done. They said that the above infraction did not cover my type of account, which she said was never advertised incorrectly. 

I have, however, paid nearly XXXX dollars for a service I never received or requested.
XXXX   XXXX   XXXX  has failed to provide or ma il Proof of Contract or Documents with my signature for t he alleged item in dispute. Also, the balance is incorrect. Please Delete and Remove the alleged item, which is causing emotional stress and mental stress. I have attached documents for your review showing the correct balance. Thanks ...
Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I purchased the home in XX/XX/XXXX and my son passed away in the home XX/XX/XXXX. He was only 7 months. I struggled with XXXX until XX/XX/XXXX when I succumbed to it. I went into a XXXX for 1 week then I went on a XXXX leave for 3 weeks after that. When I returned to my job, where I was making close to around {$3500.00} a month, I found that they had replaced me and placed me in a lower paying position where I was only getting paid half of that. I can not, financially or mentally, live in the property. My mortgage is being serviced by Penny Mac Loan Services and XXXX XXXX, my SPOC, told me that there is no opt out option for USDA loans and that I would qualify for a repayment plan? I 'm not sure how, being my income dropped. All I want to do is a deed in lieu. I told him this and he is now asking for documents that I have already sent him XX/XX/XXXX. So, it seems to me that they are very unorganized or just throw away my paperwork. I 'm very upset with the way they are handling this. Not to mention, the lack of sympathy. I do n't mind paying what I am delinquent for, but I will contact USDA myself about doing the deed in lieu, because Penny Mac seems to want to give me the run around instead of trying to help me.