WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/15 I opened a Citigold checking account after receiving an offer in the mail stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I have met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by the end of XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, that I had met the requirements, and that the points would be deposited at the end of XXXX, Citi has pulled a bait in switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. Hundreds of people are in the same situation as me. I 've done XXXX searched and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
I have been a loyal American Express card member for many years, and reach out to you in regards to the current XXXX offer to save 10 % up to {$100.00}. 


This offer was saved to many of my cards. 

I spent {$1000.00} on multiple cards, and received the {$100.00} statement credit on each card. 


I subsequently spent {$1000.00} on more of my cards and again received the {$100.00} statement credit for each card. 

There was a technical glitch with a few of my business green cards, where the system didn't recognize the charges hence the credits didnt post I had numerous conversation 's withthe American Express online Technical Department, namely XXXX and XXXX, and a case was opened with the Amex offers team to rectify the error. 



I received a response confirming that " all '' the cards were in fact eligible for the credit, and If said credits didnt post within 90 days they would manually process the credits. 



Attached is the email received on XX/XX/XXXX asserting the offer is limited to {$100.00} total per card member, and anything above that will be charged back. 



If American Express considers each card a separate product membership as it pertains to annual fees, it must also consider each card as a separate entity eligible for the offer In question. The fact that all the cards were initially credited, clearly indicated you concur with the above noted contention. 



The charge backs are dubious and we request they be reversed, anything less that would not fall under the umbrella of fair and honest business practice.
I applied for a an FHA loan and they gave me a preapproval of XXXX then as soon as they got my credit card information and i put the deposit of {$500.00} they broke contact with me and revoked my loan approval on grounds of which were already discussed before they gave me the approavl which was my tip income not being counted. Then XXXX XXXX wrote me an email saying my credit ard would not be charged / I would be refunded the XXXX deposit as no services were received but yet they have failed to stop the payment charged on my XXXX credit card and I now have the charge showing as a payment due. the following is the response eail from XXXX regarding the XXXX deposit - On Wednesday, XX/XX/2018, XXXX XXXX CST, XXXX, XXXX XXXX wrote : Good Afternoon : Thank you so much for reaching back out to me. I am terribly sorry your loan is not moving forward and we have found ourselves in this position. Right now I can tell you that I will be digging into your loan application from start to finish to assess what happened and take corrective action as necessary. In regards to your deposit, I will be making sure we refund this to you in full. Right now there is a pending charge, but I will be having my accounting team remove that pending charge from your card. If you have any questions regarding this, please do not hesitate to contact me. 



XXXX XXXX Executive Resolution Advocate Quicken Loans Executive Office Direct : XXXX - Toll Free : XXXX ext. XXXX Fax : XXXX XXXX Every Client Every Time No Exceptions No Excuse
Greetings, On XX/XX/2018, I initiated a transfer of USD XXXX via Western Union to my sister ( XXXX XXXX XXXX XXXX XXXX ) in XXXX, XXXX ( XXXX XXXX ). She could not collect that money because she was denied by the cashier without any further explanation. 
Of note, there was another transfer made by another family member to the same receiver XXXX XXXX XXXX XXXX XXXX ) to be picked up that same day ( XXXX XXXX ). She effectively collected that one in XXXX on XX/XX/2018, at XXXX local time. 
Given that the transaction # XXXX XXXX was denied, I reached out to Western Union for a refund, which they declined, claiming that it was paid to the receiver. I opened an incident report for clarification. Upon investigation, Western Union claimed that the money was collected in XXXX, a city about 150 miles away from XXXX on JXX/XX/2018, at XXXX XXXX EST ( i.e XXXX local time ). 
I reached out to Western Union again and I provided all the required documentation for the investigation. I remember speaking with XXXX ( fraud department ) who, upon review of the documents, agreed that it is unlikely that the money was collected by the receiver. She promised to escalate the case to the higher authority within Western Union. The last time I spoke with her, she recommended that I file a claim with the police. 
In summary 1. Transfer # XXXX XXXX : declined 2. Transfer # XXXX XXXX : collected on XX/XX/2018, in at XXXX in XXXX, XXXX 3. Request for a refund on the declined transaction is rejected by Western Union 4. Western Union claims that Transfer # XX/XX/XXXX XXXX was collected on XX/XX/2018, at XXXX in XXXX, XXXX Major discrepancy : The same person could not have collected two transfers within 14 min in two different cities that are at least 150 miles apart ( comparable to completing two transactions PHYSICALLY in XXXX and XXXX within 14 minutes ). This is humanly impossible even if traveling by air. Besides, the transportation infrastructures in XXXX are not among the best in the world. 

I really need your help with this matter. USD XXXX ( plus fees ) is too much money for me to lose. Western Union needs to refund my money if they can not explain to whom it was paid to. It was definitely not to the receiver I requested according to their terms and conditions of service. 

Sincerely,
While serving in the United States XXXX, I received XXXX to travel from XXXX XXXX, XXXX to XXXX XXXX, XXXX in XXXX of 2010 in order to complete my XXXX requirements to be XXXX from the military. I purchased a ticket with a government credit card ( Citibank ) with the belief that I would be reimbursed, or the finance department of my parent unit would settle the debt. I was unaware, until several years later, that the bill had not been paid. For background, when a soldier processes out of the XXXX, every department must sign off on the XXXX. XXXX of these departments is Finance. A soldier is not ( usually ) allowed to clear the installation and XXXX with any outstanding debt owed due to military service. It was for this reason, that when I visited the finance department to obtain clearance paperwork for my XXXX I was assured that I did not owe the outstanding amount on the credit card, and that it would be settled. I have attempted to reach an agreement with both the card issuer and the debt collection service to which they sold the debt, with no success. I have also attempted to remedy this situation through the military, with no success. 
This is a serious blemish on my credit, and I would like to get it resolved. I have not been reimbursed for this travel expense, as I was unaware that the debt was owed and therefore did not submit a travel report which reflected the amount of the ticket.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Tel : XXXX XXXX XXXX Account XXXX XXXX Bank of America Account XXXX XXXX Bank of America They close my account with out tell me and I have done nothing wrong with it.
I defaulted on my mortgage and it went in foreclosure. I found some buyers that wanted to do a short sale. We issued all the documents that PNC Mortgage requested. As always they took forever to process. We were able to get the first foreclosure date canceled. However, when the appraisal was needing to be done. The company that PNC wanted to use was only able to do it the last week before the deadline was came up. PNC said the report from the appraisal came in past the deadline date and the file has been closed. We then issued current information,, like paycheck stubs, bank statements, and 2015 taxes. I have no documentation from PNC only the letters they send when they deny. They never email correspondance. They will call you and ask you the call them back. Or they will stop by the house and leave a door tag asking to call. I feel PNC sticks to verbal communication because it makes it hard for the buyer to had any backup to their mistakes. We found out today that the next foreclosure date ca n't be removed. The file closed again because the buyers proposal was too small. There is a lot of repairs that need to be done to this home. I feel PNC purposely stalled on processing. I feel they did n't even intend to work the case. This is not the first go around I have had with PNC when it came to almost losing my home.
One month delay in the payment in 2012 for the minimum of {$25.00} after or before every payment on time mail got missplace on a XXXX card
I purchased a vehicle in 2014 from Coastal Credit LLC. I had made on time payments since then. I started receiving calls stating that I was past due anywhere from 30-90 days multiple times showing I disputed charges and payments, which I never disputed a charge as I authorized all charges. I submitted proof to the location in XXXX, Colorado and all of a sudden that office was closed in a matter of a weekend. Prior to that I was working the office in XXXX, OK which was also closed in a matter of a weekend. I had been working with a couple of employees providing documentation and proof and working with them to fix this. As we were working on this, I had been surprised as I was promised since I had been in talks with providing proof of payments that the vehicle would not be secured or repossessed but indeed the vehicle was actually on the repossession truck and the driver had the courtesy to come knock at my door and he waited for me to talk to the bank in which I was demanded to pay for the entire balance after we had agreement but I had to prevent repossession. After that payment, I was paid up to date. Then about a month or two later I received a new call stating that I was in the same boat. I spoke with the same individuals and they fixed it but then shortly after a hour, I had a repossession agency contacting me to arrange a pickup of the vehicle in which I had said we had fixed this and I called Coastal Credit back and the lady could not get a hold of the person who was authorized to fix it and told me to " hid my vehicle ''. I was absolutely disgusted that a " bank '' or loan service told me to do that until they could tell that agency not to secure the vehicle. In the midst, they reported me 30 days past due and I can not get it removed and have contacted an attorney to file suit but have not pursued just yet until I notice absolute no resolution. I primarily contacted an attorney to file a complaint to get the late 30 day reporting removed. Since then, I have worries of the vehicle being secured illegally and no one at the new office is willing to talk to me or get me with the people I was working with as I am curious to see if that office staff were fired because they just shut down. I am working on trading this or refinancing with another company.
This complaint is concerning missing information on my Equifax credit report. I have called numerous times to let Equifax know that they had removed XXXX of my positive credit card accounts. XXXX XXXX, XXXX, XXXX XXXX Bank and my XXXX XXXX Bank Account. My score has plummetted because of this. I have attached a previous credit report from Equifax that shows the accounts were previously on the credit report
On XX/XX/XXXX I contacted Bank of America Credit Card to see what my available credit line was for the purpose of business. At that time I was informed by Customer Service that I was delinquent in my account with past due and late fees. I was surprised as I have this account set up on automatic draft as I do my other credit cards as well, XXXX to be exact. I immediately paid what was over due to become current on my account in the amount of {$320.00} plus my normal {$100.00} auto draft. When I returned home to my office on XX/XX/XXXX I began to audit my paperless credit card statements. I found that in XX/XX/XXXX between promo interest rates and new charges that my minimum payment had increased from {$85.00} to {$110.00}. I received no alerts between XX/XX/XXXX through XX/XX/XXXX other than my monthly paperless statements. During the holiday months I usually pay the minimum on all XXXX credit cards via Auto draft so that I don't have to worry about late fees. On all of my other credit cards that I have in the auto draft set-up there is a box to pay the minimum due payment regardless of change to the amount. On Bank of Americas website they do not offer this option, you can only manually enter an exact amount. On XX/XX/XXXX I received a letter from Bank of America that my {$11000.00} credit limit had been reduced to {$7500.00} on XX/XX/XXXX I made an extra payment of {$1000.00} and after careful review I realized that not only had they charged me multiple late fees and added interest rates, they also reported such to the 3 major credit bureaus which resulted in a 68 point reduction in my credit score. I have honestly never missed a payment or been late on anything in my entire life. Although I do utilize my credit for business purposes, that is a substantial mark on my credit history. I have reached out numerous times to different customer service reps which results in hours of holding times and countless repeats of this occurrence. On XX/XX/XXXX I received yet another letter from Bank of America that simply states " We are unable to approve your recent request regarding the above account '' with no explanation as to why or what they didn't approve. 

Sincerely, XXXX XXXX XXXX
I paid my mortgage on time every month and now they are charging me a corporate fee of {$40.00} every month.when I asked what was this for they said an inspection. There has been no inspection of my home. My mortgage company is Selena Finiance.
I am a XXXX and use an electronic medical record ( EMR ) to prescribe medications. In order to prescribe electronically, our EMR verifies our identity through experian. I also have change my name ( I got XXXX ), and moved twice in the past two months.My name is complicated because I go by my first and middle names ( XXXX XXXX ). My legal name is First : XXXX Middle : XXXX XXXX Last : XXXX. I have changed all the proper information including ; my social security card, my prescribing licenses, my bank accounts, and student loans. I have not been able to get through to Experian. There is no human on the phone line only automated responses, none of which help me with my problem. I contacted XXXX successfully, and XXXX which reluctantly gave me a credit report. I have my credit report in front of me while filling out the verification for the EMR, however I am denied each time. I have contacted the EMR directly who insists that it is a problem with the credit bureaus. Whoever is to blame I have had an awful experience with Experian. I can not get through to anyone to ensure my name is correct. The other credit bureaus recommend me contacting all my creditors to change my name ( which I have ).
This is an issue with Chase credit cards regarding payment in full and continued interest charges. 

My XXXX statement ( XXXX/XXXX/16 ) with a due date of XXXX/XXXX/16 showed the balance due to be {$6700.00} I sent a check in the amount of {$6700.00} to pay off my bill. 

My XXXX statement arrived showing a posted payment of {$6700.00} on XXXX/XXXX/16 and a New Balance of {$44.00} due on XXXX/XXXX/16. This charge posted to my account on XXXX/XXXX/16. When I called Customer Service to inquire about the charge I was told ( not very politely ) that I am charged a " very valid interest charge ''. When I asked for a Manager, I was sent to XXXX XXXX in central Florida who again told me she can not waive the fee because it was a valid charge. Frankly, I was spoken to as if I never paid my bills and I was not worthy of any good faith. 

I am confused about the policy and unhappy with the treatment of card holders and wonder why such a big bank is willing to lose loyal card holders over such a small discrepancy. 

I am also confused as to why the reps and managers I spoke with gave me a very different answer regarding interest than the question and answer i found on the Chase web site when I searched for an explanation of interest charges. This is what I found : Question : How can I avoid paying interest? 
Answer : You wo n't pay interest charges on credit card purchases if you pay your New Balance every month by the due date end time. This is called the interest-free period on purchases. Balance transfers, checks, cash advances, and overdraft advances do n't have an interest-free period. On these transactions you pay interest on the balance until they are fully paid. 

I am hoping you will review my complaint and waive the questionable " valid finance charges '' of {$44.00} Thank you for your time. 
Sincerely,
On my XXXX credit report # XXXX appeared a fraudulent Bank of America account # XXXX opened on XX/XX/XXXX and a new address, also fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, PR.
I lost my job in XXXX of XXXX. I contacted Loan Care to report my job status. However, I still had my mortgage payment for the month of XXXX XXXX. I tried to work out some type of modification with them to save my house. I made the XXXX payment and filled out the documentation for application for a loan modification. I contacted the bank for 3 months not hearing anything from them. I eventually spoke with a representative who told me that because I made the XXXX Payment I no longer qualified for assistance. I had to miss 3 consecutive payments in order to be considered for loan modification. During that time my house was in trouble! I was able to find two part time jobs and submitted my pay stubs every 30 days and bank statements, in addition to my unemployment for the short time that I did receive it. There was still no action. I had to wait another 90 days to get someone to help but that only gave me a partial payment plan. Eventually they gave me partial payment, what they referred to as a forbearance payment, of which half of the original mortgage. I paid that until I was still not getting any resolution to a loan modification and realizing none of the payments appear to be applied to my balance. I was steadily incurring fees and more fees. I got a full time position with one of the part time jobs and my income I was receiving was still lower than my previous job. Eventually, I had to hire an attorney from XXXX XXXX XXXX with the payments that I was making to Loan Care because they were not trying to help me. 
I contacted the attorney office regularly to see if they were getting anywhere and informed them of my status continued to forward bank statements paystubs and letters they requested. Even with the attorneys this took another 7 months in order for Loan Care to come to a trial payment period where my payments are now higher than my original payment of {$1200.00}. My payments are now {$1300.00}! I have made all the payments timely as requested. 

As of today, I still have not received documentation of what my new payments will be or if I should continue to pay the amount of {$1300.00}. I have done everything they have asked and gone above beyond plus. Today my credit has been affected and I am considering filing for bankruptcy for protection.
I opened an XXXX business account with American Express on XX/XX/XXXX with a sign up promo for XXXX XXXX  for spending XXXX dollars in three months. I completed this spend on XX/XX/XXXX and waited the 3 months necessary to get the reward points that Amex says they can take. They managed to post the award bonus for my XXXX personal card ( XXXX points for {$3000.00} spend with an additional XXXX points on completing {$5000.00} spend ) which is shown in the screenshots below, but they never posted my XXXX business sign up bonus. At this point, I contacted american express and opened a case looking into why my award points were not awarded despite meeting the minimum spend. This was supposed to take 6-8 weeks. 8 weeks later I complained that there was no resolution to my open case and they said they would escalate my case. This was 2 months ago, and I am nowhere close to getting the promised award bonus. 

In their response, the company acknowledged their mistake and said : " We have issued XXXX bonus XXXX to your account on XX/XX/XXXX. These XXXX  have been transferred to your XXXX account and will post in 7 to 10 business days. '' This has not happened, and it is already XX/XX/XXXX.
This has been a 12 plus year ongoing saga with the credit reporting agencies XXXX, Experian, and XXXX XXXX. They have been complicit in reporting inaccurate, outdated, and incomplete information on my personal credit report. This inaction or outright complacency has aided fraud to be displayed and reinforced on my character. I have suffered great pain and harm by their hand, so I am seeking relief and the opportunity to finally live the American Dream. My latest attempt around XX/XX/2017 to fix these huge issues were basically ignored. I have attached the letters that were sent to the above organization with the hope that you can free me from this virtual fraudulent debtors prison. I want to buy a home, I want to start a business, I want to take trips, but I cant because of this oppression. Please help me!!