WillisBack/dataset-financial-user-claim huggingface dataset:
Citi violated multiple UDAAP laws and regulations on its AA executive credit card, and its customer service refused to remedy their practices when I called and tried to get a reasonable resolution. 

First, the advertisement of a key benefit is deceptive. It advertised " Earn XXXX AAdvantage ( R ) Elite Qualifying Miles when you spend {$40000.00} in purchases each year ''. It turns out that customers do n't earn actual miles to the AA account, but just fake qualification miles toward an elite status. If I got mislead as a finance professional, a regular customer would be more likely so. 

Second, Citi makes it very difficult to cancel the card. After I put over XXXX grand on the card but got no XXXX bonus miles, I decided to cancel the card shortly after the {$450.00} annual fee was assessed. The retention specialist made it very hard to cancel the card by offering me different incentives to stay. I found it hard to say no and decided to keep the card open after his hard sell. What a mistake! 

Third, Citi is unfair in its annual fee practice. I eventually cancelled the card by sending an email because I did not want to deal with the retention tactics. But to my shock. Citi customer service told me that my cancellation did not qualify for annual fee waiver because it passed 37 days of cancellation period. So even though I were only 38 days in the XXXX year, my whole {$450.00} annual fee would not be waived or adjusted. This unfortunately has not been my experience with any other annual fee credit card products, which usually pro-rates the annual fee. Citi 's practice in this regard knowingly deviates from the industry practice and is completely unfair. When I called the XXXX time to cancel, it was within the eligible fee waiver period. But my formal cancellation fell out of it. I felt I was tricked into it without full disclosure or reminder from Citi Retention specialist. 

In sum, Citi is deceptive and misleading in its advertisement of this product, unfair in its fee policy and abusive in its retention practice and customer service. I am sure I am not the only customer having this terrible product and customer service experience. I hope CFPB can help me solve my annual fee issue with Citi, and stop this kind of unfair, deceptive and abusive practices hurting more consumers. 

If you need more information, please feel free to let me know. 

Thank you! 
XXXX XXXX
I have a loan currently held by XXXX, who purchased the Loan from XXXX. My mortgage has never been late and is consistently paid XXXX months in advance, but the escrow is now in discrepancy for over {$1400.00}. Let it be known that insurance and taxes are figured into the monthly loan amount. 
XXXX bought the loan from XXXX taking it over in XXXX of this year. In early XXXX I received a check from XXXX for about {$240.00} for an overage in my escrow account. I did n't cash it because later that month I received a letter of demand from the town demanding payment for a year of unpaid property taxes ; there was an obvious error and I did not want to compound it. I got in touch with the town to confirm they had n't received the taxes and then contacted XXXX to resolve the issue. XXXX paid the town taxes. I then received a letter from XXXX stating that my escrow account has a shortage {$1200.00}. I contacted XXXX to dispute and was told that it was not their issue and I had to take the issue up with XXXX. I contacted XXXX and XXXX stated that they were not responsible because they had the loan serviced by Loancare for a short time, approximately a year. I am currently awaiting a response from Loancare. 
The facts are that I have faithfully kept my end of the deal and have also gone above and beyond by staying XXXX months ahead of scheduled payment. The XXXX variables, property tax rate and insurance premiums, have been audited on a regular basis and my mortgage payments were adjusted to keep pace. For this discrepancy to occur my taxes would have to have doubled over the course of a year, they have not. It is striking that the amount that is in discrepancy is the same amount as the property tax payments that were never received by the town. Loancare, XXXX and XXXX have taken no responsibility to make sure all funds, that I have worked for and provided, were properly accounted for, transferred or distributed as they serviced and transferred my loan between themselves. They are now trying to force me to financially compensate for their error/errors.
Midland funding is not the original the original creditor and they are attempting to collect on debts that are WAY past the statue of limitations for the original debt. If this is not against the law it should be. I did not sign a contract with Midland or any of it affiliate to pay them, so why are they able to submit to the credit agency 's as the the original debt creditor. How are they able to submit this when the original debt is WELL past the statue of limitations for this kind of debt?
I received a notice from Continental Credit Control stating that I owed money for medical services. I promptly wrote back stating that I denied this debt, and asked them to provide me billing statements, when they obtained this debt, an itemized statement, did they bill my insurance, etc. I wrote to them twice. I did not receive the information I asked for. Instead I only received something that looks like billing codes from the doctor 's office. I then received a notice from Continental Credit Control that they were going to report this debt on my credit report. I think they have a duty to provide me with the requested information before they can take further action.
Two amounts appear on my credit score under  XXXX only. The amounts are {$500.00} and {$340.00}. They are originally debts from XXXX XXXX XXXX. The filing collections co is North American Credit Services. Both debts were paid off on XXXX XXXX 2017. North American Confirmation numbers are, # XXXX and # XXXX. At this point North American has neglected or refused to take this off my credit score. Thanks
Opened XXXX XXXX Online card relatively 6 months ago to help improve credit rating. Was immediately approved with a {$600.00} credit limit. Always spent under {$250.00} and all payments made on time. Today without warning my credit line was reduced to {$230.00} with {$8.00} available to spend which increased my utilization percentage and card almost maxed out. I called XXXX Bank/Amazon to get an explanation and was told a letter would be mailed to my address and that it was a business decision after review of my account and credit report. My credit score dropped XXXX points today of which they are a part of that point lose. They have hurt my credit as opposed to helping it without warning or great explanation. I closed the account and was informed I still need to make on time payments and the card could not reopened once closed. This bank is doing more harm than good to helping consumers the reason I had opened the account. They have dropped my score instead of raised it. This matter needs to be addressed.
I have received numerous emails and calls from a company claiming to be collecting a debt. They obviously have my name and telephone number. But they call to say I have a debt but I ca n't find out what it is unless I give them my SSN. They wo n't send anything via hard mail. I ran all of my credit reports and have no outstanding debts anywhere, so this is obviously a scam.
I learned recently when I applied for a new credit card that I was denied the card because the credit card company " XXXX XXXX '' could not verify my identity. XXXX XXXX uses Experian. 

I'm a retired XXXX XXXX and I continue to represent a few long standing clients that require me to obtain transcripts through the XXXX XXXX website which I am an authorized user. 

Recently the XXXX implemented enhanced security procedures in order to log into the system. These enhanced procedures required me to answer personal questions including providing bank, credit card, and loan information. 

I was unable to complete the process because the XXXX could not verify those accounts. After calling an XXXX XXXX  employee he confirmed that XXXX use Experian to check these accounts. 

On a third occasion my personal checking and saving credit union offers free FICO scores. They are unable to obtain this information ; once again Experian. 

My first thought was that some how I may have put a credit freeze on my credit reports due to identity theft, but I could not find any documentation to confirm I had done this. 

My next step was to contact the major credit agencies directly. XXXX, XXXX, and Experian. 

I was able to speak to representatives from XXXX  and XXXX who confirmed there was no freeze on my credit report, so I ordered free credit reports to verify if there was anything unusual. There was not. 

Experian on the other hand has become a major problem I can not resolve myself which is why I am reaching out to the CFPB. 

I tried calling Experian on at least 6 different telephone numbers I found on the internet. All of those numbers do not give you the ability to speak directly with a customer service representative. 

In order to get anywhere the automated systems require you to enter personal information to verify who you are. Name, SSN, DOB, Address, etc. I entered all of the information correctly but I was rejected by the system as being : " unable to identify ''. 

So if I can't speak to a live customer service representative, and their automated system can't identify me how to I resolve this issue? 

I found an old credit report I obtained from Experian which had a reference #. I found a way to log into Experian using this reference #. When I entered the correct reference # I was denied access. 

Something is amiss with my personal credit reporting at Experian and I can't get a live person to speak with to find out what is going on, and how to correct it, so I now can't apply for credit, or even my own credit report. 

This is absolutely unacceptable. 

A credit reporting company like Experian that has access to all my personal financial information does not have customer service organization that will let me speak to a live person who can easily identify me by asking questions no identity thief can possibly have. 

Does someone at the CFPB have a way for me to contact Experian directly to find out what is going on? Obviously they have corrupted information. Or worse, I am left to guess that perhaps my credit file at Experian was hacked and shut down. 

Please help
Below is the essence of my complaint, extracted from a letter I wrote XXXX XXXX CEO of Citicards, division of Citigroup. 
I am writing to you about the usury -level interest rate Citicard is charging me. 
My interest rate prior to and including XXXX was 10.46 percent -high enough -- For some reason, I do n't recall ever giving consent or receiving any information about the change -- my interest rate was raised to % 26.74. Let me say I would never ever agree to an interest rate of % 26.74, which my rate was raised to. 

I am a XXXX, with fluctuating income, and always busy, as XXXX XXXX said " the clock runs faster than the typewriter. '' Despite being busy, as far as I recall I have never missed a monthly credit card payment. I have a good credit rating. I am sure you can produce some document, which was undoubtedly tucked away in a stack of forms saying I authorized the change in rate. Let me say unequivocally, I do n't recall ever authorizing or agreeing to an interest rate of 26.74 % -- again that is usury. Just now -- XXXX XXXX, XXXX -- I noticed the high interest rate listed on my monthly statement -- portion of that statement is enclosed. 

I want my interest rate reduced to the original % 10.46 certainly a highly profitable rate for CitiCard. Let me quickly say, a banker friend of mine said of the cost of money over prime and its impact on banking- loan business. " At 1 % I loose money, at 2 % I break even, and at 3 % I make money. '' On XXXX XXXX, The XXXX prime rate was listed at 3.75 % .. 
Here is what I want : 1 My credit card interest rate lowered back to its original % 10.46 2. A refund of all the excess interest I was charged from XXXX, that is all money I paid above % 10.46. 
3. An explanation why my interest rate was raised. 
4. Copies of any alleged documents that I signed or agreed to raise my interest rate from % 10.46 to % 26.74
I did not possess any working credit cards after bankruptcy XXXX. a XXXX credit card showing balance of {$1700.00} in 1991 appeared on XXXX, transunion credit report. I contacted collection agency advising these were not my charges, they referred me to XXXX who referred me back to collection agency claiming they sold account and could not proceed. Went back & forth and finally XXXX XXXX said they could not provide me with copy of charges as they were all unverifiable! Negative info remains as of today.
In XX/XX/XXXX, Wells Fargo posted on my XXXX XXXX billing statement that my 6 month 0 % apr promo period was ending. My account was created in XX/XX/XXXX with a 1 year promotional billing period. When I submitted a complaint to Wells Fargo, they acknowledged an error and said that my promo period should have in fact been valid until XX/XX/XXXX. According to the policy on the back of the bill, if you submit an error to Wells Fargo, and they determine they were wrong, you will not pay any interest or fees on the amount questioned. Regardless of this policy, in XX/XX/XXXX I was charged an astronomical interest fee, at which point my {$200.00} balance reflected a {$140.00} interest fee. When I contacted customer service, he indicated that this is the interest on my amount owed in XX/XX/XXXX when my promotional term expired. I informed him that my promo term expired in XX/XX/XXXX, not XX/XX/XXXX, and that was an error I had previously disputed with Wells Fargo, so I should not have interest at all. He continued to assure me that the amount in question was correct, even though the amount which reflected an interest payment ( XXXX ) was never indicated as an amount owed at any time in my billing history. There was no further explanation on the bill. The rep then proceeded to calculate various numbers to find where a {$140.00} interest charge would come from, but he could n't pinpoint an amount that would yield this interest charge. He stood by the fact that the bill was correct, despite the fact the amounts were so deceptive that he could not even explain it. He then pushed the Average Daily Balance as the reason for my interest charge, claiming I was charged interest on my average daily balance for the previous month, but instead of explaining this to me, he continued to say it was too complicated for consumers to understand how they calculate how much they owe. I requested this complicated algorithm, because as a consumer you have a right to know what you are paying. Evidently, these things are so deceptive, it is a secret. According to the billing error policy, I should not have interest at all, yet Wells Fargo is attempting to deceive me into an extra profit for their company. I have written a letter to complain about my interest charge, since it should be {$0.00}, but have not yet received a reply.
I received a call today from " XXXX XXXX XXXX, '' advising a loan from XXXX XXXX XXXX back in 2010 has been reported uncollectable and that if I did not pay within 48 hours, my wages would be garnished and my federal tax return seized. I never received a loan from this company or it's subsidiaries. I requested original documents be mailed to me and all they would provide is an email with a Word Document. I googled the company and it appears that I am not the only person this has happened to. When I called the company to return their voicemail, they knew who I was before I identified myself and attempted to confirm my social security number and my date of birth. I refused to provide any information and they have called me a few times since.
I have tried XXXX times in the last week to put a freeze on my credit account at Equifax. They say the service is not available and they make lame excuses about Irma impacting things. I have tried on the phone and on their website. I have successfully placed a freeze at XXXX ( who makes this process the simplest ) and at XXXX. Equifax is playing games. 

I would also like to complain that this process is overly burdensome. I have to put a freeze on both my account and my wife 's. I have invested well over XXXX hours in this process already and I am still not finished.
In 2009 XXXX and XXXX " represented '' XXXX whom had purchased a debt from XXXX XXXX whome purchased from XXXX Bank, and the representative prior to us meeting with the judge coherced me to sign a settlement form by stating whom did I think the judge would believe me or her an attorney and besides since I was going through a divorce at that time most likely I would file bankruptcy and as head of household no one could ever come after me. NO ONE EVER VALIDATED ANY DEBT AMOUNT. Then I recently had Rosen and Pollock try to garnish my wages stating I owed XXXX ( per a XXXX XXXX ) Then when called on this to complete a payoff a XXXX informed me that I neglected my debt I had a contract with them, she mentioned that she was an attorney, an attorney representative and also XXXX that is no longer around. The problem all along with this was that the XXXX XXXX institute did not honor their contract and by breaching that contract I should not pay for a XXXX for which I can not use. I get the run around with lasik and any credit to be offered has to be through them and routed accordingly. I dont have a problem paying what is fair and just but not the almost XXXX XXXX stated I owed because I had not paid my bills.
I have a Wells Fargo Bank credit card for about XXXX years. I was reviewing my charges, when I notice a protection charge in case of unemployment. I call Wells Fargo Bank customer service for a explanation. The customer service indicate to me that they could not help me that I had to call the protection company. Furthermore, I receive a letter about XXXX week later canceling the program and refunding XXXX for 8 months and that I had agree to the product, but did not show me prove that I authorize or apply for the product. However, I have been paying for the product for 15 years. I had XXXX for XXXX in XX/XX/2015 and wells fargo bank never indicating to me that I had that option available to me..
My IDR was denied and no reason was given other than they would send me a letter. Naturally, I tried calling as soon as I got the email but they were already closed for the holiday ... my loan replayment plan ends XXXX. Last year with my repayment recertification, they made me go into forbearance for more than a month while they reviewed my application. This year, I made sure to recertify in a timely manner. My job and income have not changed yet for some reason my IDR was denied. I strongly dislike XXXX XXXX. I feel they intentionally place obstacles in the way to cause your loans to back up and need to go into forbearance.
Equifax is continuing to verify accounts with out any proof. The accounts are also being reported inaccurately across the board. These accounts are not even reporting my name. When I spoke with Equifax they just said it was a typo but this clearly is an inaccuracy and another MATERIAL fact that is demonstrating more errors in their reporting. 

XXXX XXXX XXXX  Account # XXXX XXXX is reporting this account as charged off in XX/XX/XXXX, Equifax is reporting it charged off in XX/XX/XXXX. You are reporting no data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX  is also reporting it as ok in XX/XX/XXXX while Equifax is reporting it delinquent in XX/XX/XXXX. 

Equifax is not reporting any close date. Equifax Is reporting this account as sold but not reporting when it was sold. 

I am also disputing the balance of this account and the name on this account. 

XXXX  has already removed this account from my file because it could not be validated or verified. this item from my file it is inaccurate and incomplete. 

XXXX XXXX Account # XXXX Equifax Is reporting this account as 60 days late XX/XX/XXXX, no data in XX/XX/XXXX and XX/XX/XXXX and then 90 days late in XX/XX/XXXX, how is this possible? How is still only reporting 90 days late she. there is 2 months in between XX/XX/XXXX and XX/XX/XXXX? Equifax Is also reporting the account as charged off in XX/XX/XXXX but a past due balance of {$5200.00} in XX/XX/XXXX. If its charged off how is a balance being reported? Equifax Is not reporting any close date for this account. 

Equifax Is reporting a last payment date of XX/XX/XXXX while XXXX  is reporting a last payment in XX/XX/XXXX. How can this be accurate if its reporting differently to the credit reporting agencies? Which one is accurate? 

Im also disputing the balance of this account and name on this account. 

XXXX  has already removed this account from my file because it could not be validated or verified. Please delete this item from my file it is inaccurate and incomplete. 

The XXXX XXXX XXXX Account # XXXX XXXX  is reporting this account as ok in XX/XX/XXXX, Equifax is reporting this account as delinquent in XX/XX/XXXX, while XXXX  is reporting this account delinquent in XX/XX/XXXX. Its reporting differently to all 3 reporting agencies. How can this be accurate? 

XXXX is reporting this account was closed in XX/XX/XXXX, Equifax reports this account was charged off in XX/XX/XXXX and XXXX  is reporting in closed in XX/XX/XXXX. How can this be reported as accurate. 

Equifax Is reporting this account as sold but youre not reporting when it was sold. 

I am also disputing the balance of this account and the name on this account. 

I sent certified letters to Equifax and according to the postal service they were received XX/XX/XXXX. I also attached copies of the credit reports showing the inaccuracies. 

I also sent debt validation letters to the above mentioned creditors and they have not responsed with any proof.
I settled a debt of XXXX with XXXX for XXXX in XXXX. I have attached a copy of that payment from my bank statement. They removed the balance on the XXXX account but have now placed the remaining XXXX with a company called EOS. This is a violation of federal law and likely usury laws.
I tried disputing these Items through XXXX and Trans Union and they still wo n't remove or update.

.Creditor Acct. # Standing Status XXXX XXXX -paid in Full XXXX XXXX XXXX - Paid in full even before they put on my credit XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX- Paid in Full XXXX XXXX XXXX XXXX -Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX  removed all of these since they are all paid in Full Trans Union removed all except XXXX XXXX
Continually get calls from Gateway Mortgage. Asked them several times to stop calling me. Said they got my phone number from the " XXXX XXXX XXXX XXXX  ''
I have an ongoing claim with Wells Fargo since the end of XXXX. I was told after a week that I would be contacted by Wells Fargo for the next step. 5 business days pass and nothing. I get some calls from some representatives that claims will eventually call me, but still nothing. I contact customer service and after getting jerked around for an hour, they tell me that I have to wait a total of ten business days, not five. 10 business days pass and I still have not received any calls. I would try calling again, but every time I try to call, I can never get anywhere. This is the second time I 've had to file a complaint with consumer finance in order to gain some traction on my claim.
XXXX XXXX purchased My Student Loans from ECMC Just before these loans were purchased by XXXX, ECMC charged me {$3200.00} in what they were referring to as " Collection Costs '' ECMC stated previously that if I brought these loans out of Default these collection costs would be dropped or lowered down to 6.7 % but this never happened These collection costs were then passed on to XXXX in what was just referred as " Unpaid Principal Balance ''