WillisBack/dataset-financial-user-claim huggingface dataset:
I refinanced my mortgage with Chase. My old mortgage was also with Chase. They were suppose to mail me the entire refund from my escrow account. Instead they only mailed me a check for {$15.00}. They should of sent {$790.00}. I called the loan officer, And went to see him several times. He said he never saw this happen before, And he would call me back. He never calls me back. I also called another person at chase. She said I should have received the total escrow balance of {$790.00}. She never called me back. This has been going on for over 6 weeks. No one at chase will give me any answers.
XXXX people just called me from XXXX. In talking with them I asked if they were recording the conversation ; they said they were. I told them that they had not informed me about that. They seem to think that when they initiate the call they are somehow not responsible to tell the consumer they are recording it. It appears they may have done this at least once back in XXXX, as this person just told me. This all relates to my previous complaint against them : XXXX.
On XX/XX/XXXX, I applied for a credit card with XXXX XXXX ( XXXX  ). The deal was for me to spend {$3000.00} within 90 days, and receive a bonus of 60,000 XXXX  miles. I completed my end of the deal, as I had spent nearly {$8000.00} by the end of XX/XX/XXXX. However, as of XX/XX/XXXX, I had not received my bonus miles. 

In early XXXX, I called customer service at XXXX, and spoke with XXXX. She in turn called Citi Card services, and after a 20 minute wait, we had XXXX on the line. XXXX simply said that I was not eligible for that offer, and suggested that I fill out a dispute form if I wished to challenge her finding. 

On XX/XX/XXXX, Citi sent me a letter indicating that I was not eligible for the Bonus offer due to the following clause : Special offers arent available when an existing account in the same product has been approved or closed within 24 months. 
I disagree with that conclusion. The initial ad did not explicitly mention that restriction, and, Citi Card services could have checked for that condition during the review of my application, and rejected me right then, not after I had spent nearly {$20000.00} on the card. 
Therefore, I believe I should be entitled to the 60K bonus miles.
I have received a letter form WINN Law Group dated XX/XX/2017. It stated that the creditor ( XXXX XXXX, XXXX Case Number : XXXX ) referred the debt ( {$6700.00} ) to WINN Law Group for collection. There was an attached showed the Assignment of Judgment from Superior Court of California XXXX XXXX County, District. ( Please see Attached : WLG 1st Letter ) I have wrote a letter to WINN Law Group asked for further verification because I believed that I have no responsibility for this debt and the person under the Judgement was not me. 
WINN Law Group sent me a second letter dated XX/XX/2017 with more evidences such as the debtors social security number, date of birth and address. Obviously, none of these was match my identity. I wrote a second letter to WINN Law Group convincing them that I am not a person responsible for this debt they have a mistaken identity and asked them to remove my name from their record. Please see Attached : WLG 2nd Letter ) Yesterday, I have received a letter from XXXX County of California Clerk-Recorder to inform me that a lien has been claimed by WINN Law Group against my property. Please see Attached : Lien )
In XXXX of XXXX, I received a letter from a company labeled as XXXX  XXXX saying that I was being charged {$200.00} for a device I did not turn in earlier in the year when I quit using the device because it did not work correctly and was costing a lot of money. I had turned in the device to my local XXXX XXXX store in XXXX XXXX, so I ignored the letter thinking they had not caught up with it. Before this time, I did not receive a bill or statement saying I owed money for early termination or anything else. XXXX XXXX is associated with XXXX XXXX, and billing typically goes through them. In XXXX, I got a collection notice from a firm called Aldous and Associates for the {$200.00}. When I called them, I told them I had turned the device in, but they said the money was an early termination fee. This whole process seemed strange to me, so I was suspicious and decided to check further into it. In XX/XX/XXXX, I went to the XXXX XXXX store in XXXX XXXX and talked to them about the debt. They could find no evidence of the debt ever existing at either XXXX or XXXX XXXX, and even their collections department said I was in good standing with them. XXXX XXXX tried to contact the number for Aldous and Associates,  but the number was disconnected.
On XXXX XXXX, 2016 at around XXXX I called national credit systems at XXXX and was transferred to XXXX XXXX. I inquired about settling the debt for {$2000.00}, with the original amount being just under {$3900.00}. XXXX informed that she would have to submit a formal request to the original creditors, XXXX on XXXX, the apartment units I originally owed money to. When I asked about obtaining a copy of this formal request for my records she denied me this request and said I have no right to know what they are sending. I explained to her that as a consumer I felt I did have a right to a copy of this request since it has my name and it is a request for a financial settlement. I was again denied this request later in the day after being transferred to her supervisor, XXXX XXXX. On XXXX I reached out to XXXX XXXX who is XXXX and XXXX 's manager. XXXX also informed me that he is unwilling to provide me with the official request that was being sent to XXXX because it is client privilege and he does not have to release such documents. I asked him he could then provide me with a letter from the company to myself stating that they sent a formal request to XXXX on XXXX inquiring about a possible settlement for my account. He also refused to provide me with this letter. As a consumer, I feel that I am entitled to keep track of what this company is doing regarding my inquiries to settle this debt. Their refusal to provide me with any documentation of their attempts is making me question if they are really taking these actions at all.
I am writing to dispute a billing error in the amount of {$0.00} dollars on my account. The amount is inaccurate because, I returned a dress and Macys did n't credit my account. I was charged late fees because according to them I had a balance. When I called them they did n't help me. I was unemployed at the time due to the fact that I was fired during my maternity leave. Due to my post partum situation my doctor said not to deal with that because it was too much stress. Macys violated my rights by ignoring my request to correct the accounting error, and refunding the item on my Macys Credit Card. This would have made my account at a XXXX Balance and not resulting in any payment due. Now Macy 's continue to report negative errors to the Credit Bureau 's. I have tried to call them meny times they have poor customer service. If they would the actually time and look at their bill statement they would see the error.
X/X/14    had   XXXX   XXXX  . I was  XXXX   XXXX   XXXX . My parents insurance paid part of debt.  Parent  signed for financial responsibility however collection agency put Debt on my credit report. They have not been able to provide prod of financial responsibility signed by me on  X/X/14
There is an auto loan at XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX, that has been opened on XXXX XXXX, XXXX and closed XXXX XXXX, XXXX for {$3600.00}, a XXXX XXXX charge account opened and closed from XXXX XXXX, XXXX to XXXX XXXX, XXXX, a home loan opened around XXXX XXXX and a retail card opened around XXXX XXXX that is on my credit file that I have NO involvement in or any acknowledgement of. I just recently found out about all of this and have reasons to believe that someone else has used my personal info to open these accounts.
On XX/XX/18 I received a payday installment loan of {$550.00} from Bright Lending. As of XX/XX/18 I have paid a total of {$740.00} to Bright Lending ( more than covering the cost of the loan ). Despite paying the loan off, my balance according to the website is {$580.00} ( more than the original loan amount!
on XX/XX/2014 some one fraudulently obtained a checking account in my name I never gave no one permission nor have I ever did business with this bank before
After the death of my brother, his bank CD account, list my name as the beneficiary ( In Trust For ). I went to the bank, with the original form and a current notice " CD Maturity and Automatic Renewal Notice " where my name is listed as " ITF ( my name ) ". Chase ( JP Morgan Chase Bank , N.A . ) will not Honor my claim. I 've been working with them since XXXX 2015. They want to flip it to an estate account. But this account has a beneficiary, so it 's NOT an estate item.
Approximately 18 months ago I requested that First Technology Federal Credit Union link my savings or checking account to my son 's First Technology Federal Credit Union checking account so that I could make an emergency transfer to his account. First Tech informed me that they could not set this up without my son being present at the branch. He lives out of state, so it was not possible and I did not pursue it further.

On XX/XX/XXXX, I set up a transfer from my First Technology Credit Union savings account to a joint checking account I share with my husband. The amount was {$2100.00}. For this transaction, I downloaded and installed the mobile app and proceeded with the transfer to the joint account.

When the funds did not appear in the joint account, we realized that the funds had been transferred to a First Technology Federal Credit Union account that we were unfamiliar with.

Upon calling the bank, they informed me that the transfer had gone to my son 's First Technology Credit Union account. I likely accidentally selected the wrong account probably because it was at the top of the list in the mobile app. I'm not completely certain. The account was linked to mine even though we had not gone through the steps to connect them.

First Technology Federal Credit Union refused to pull back the funds from my son 's account. They told me the only way to do this would be for my son to go in person to a credit union associated with First Tech, give them the account number the funds should have been transferred to so they can transfer them back, or else to get a cashier 's check and mail it to me. My son lives in another state, is mentally ill, and does not have transportation to get to the credit union. After explaining all of this, they then proceeded to try and sell me on opening up a low interest loan or credit line as I am a premium customer. This just doesn't seem right.
I have tried to resolve debit with XXXX XXXX XXXX XXXX by requesting information to prove debit. 

1st issue, I requested Singed contract. No less than 4 times, none returned except just billing statements.

2nd Issue is there stalling has cause harm to my credit file, thus I suggested an offer compromise, I was willing to pay the bill to remove it from my credit just to get rid of the problem. Inlue of a more escalated approach.

The problem from my point is if I pay then I admit this was my billing, they said they dont remove paid contracts. I did not acknowledge the billing was mine. To pay it would not resolve the issue at hand. They said no and they dont remove paid bills.
I am contacting your agency in hopes you can help me get my money back. I have paid several companies thousands of dollars for various online businesses related and XXXX XXXX XXXX XXXX was one of them. They took my money under false pretenses. I paid them with my XXXX XXXX XXXX XXXX card on XXXX/XXXX/XXXX an amount of {$10000.00}. They promised me a second web page and a profitable online business. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfil their end of the deal. I know its been a while but I need your help in contacting my credit card company so they can open an investigation. I am seeking your help. I am in debt and all I wanted was an extra income. I hope you help me get my money back. Thank you
Santander Bank did not process and route check properly, Santander Bank did not present check to Federal Reserve, Deposited on XXXX/XXXX/2016. Returned check with unauthorized marks Frozen/Blocked Account. Spoke with XXXX, she refused to honor the rights of a substitute Check Warranty.
XXXX is the CRA which has continued to report inaccurate account information and status as of XX/XX/18. 
I have filed online dispute yet they continue to report the inaccurate information over the last several years. 
Multiple accounts are not mine and I am not responsible for those accounts. 
2 other accounts are showing up written off when they were not and they have been paid in full. The dates reported of last payment is incorrect. 
2 Medical accounts are being reported that are inaccurate and were paid by insurance. 
The dates of when these were opened are false and without merit. 
I have asked for proof and they have not provided said documentation.
On XXXX/XXXX/2015, I sent money through Moneygram to my brother in XXXX XXXX XXXX for my mother and family for the XXXX holidays. As of today, Moneygram has not released the money, ruining my family 's XXXX holidays, etc., saying that our names are XXXX names and that my brother in XXXX, which is a very peaceful country, may have XXXX. They say the transaction is under review but they have not been able to provide me with details of the review and evidence that his name is tied to some organized extremism when I ask. I have asked for a refund several times to send the money directly to my sister or mother but they refused. Reps I have spoken with have given me numbers inconsistently for my brother to call from XXXX, but those numbers do n't work and Moneygram agencies in XXXX are unable to call for him, citing link issues. I have asked Moneygram to call my brother directly to obtain whatever information they need but has refused to do so thus far. I need my money with interest and compensation for all the calls to and from XXXX. Thank you for your assistance and cooperation. 
XXXX
I work internationally as a XXXX in XXXX. My school provides us with a large bonus of {$7100.00} XXXX or {>= $1,000,000} XXXX, which is a significant amount of my salary in XXXX. The money was deposited into my XXXX bank account on XXXX, XXXX. I went to the bank with a representative of my school and a few other teachers to wire transfer the money to our USA bank accounts so we can use our money while home for the holidays. I performed the transfer at my bank in XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ). I was informed during this time that my bank. XXXX XXXX XXXX, did not have a XXXX code so we would need to go through an intermediary bank, which was XXXX but that I should receive the money within the next 2 days in my account. Needless to say the money has not arrived into my account at XXXX. Currently I am home in Minnesota for the holidays, extremely stressed out and financially broke. The money was transferred to XXXX XXXX XXXX XXXX from XXXX to first convert the XXXX to XXXX, then XXXX XXXX XXXX XXXX to XXXX. XXXX has tracked the money to XXXX. The transfer has not been rejected or cancelled. I have called and also have personally visited both XXXX and XXXX. XXXX XXXX XXXX says that they are unable to do anything because they are only the receiving party but they did verify that the bank name, routing number, and my account number for XXXX was correct. I have personally visited XXXX which indicated that their swift code was correct and told me they can not help any further. I have called XXXX they have refused to do anything to help, stating that they can not verify me as authentic communication and they have not taken any action to look into this matter, even though I have identification when visiting a XXXX branch personally. I do not have an account with XXXX. XXXX says they can investigate but for a price, which I will initiate if necessary. XXXX is holding my money unethically and should process the transfer or reject it so it is sent back into my account in XXXX. XXXX is unjustly holding onto my money benefiting for the interest it is gaining. I am in extreme emotional distress. This is a significant portion of my salary, that I have been depending on, and its XXXX time. I really hope this situation can be solved very soon. I have the information and paperwork from the transfer available upon request.
I am in desperate need of assistance. I have work with my lander Bayview for almost a year and have submitted all the required documents to continue my modification review. However ; at this point they have not afford me a modification. I am more than sure that their intentions are to foreclose my home, My husband is going trough XXXX and this is affecting hes health. I am doing everything from my side to keep a roof over our heads. As I have mention Bayview my intentions were not to fall behind, however ; due to the extreme loss of income it was out of my control. My intentions are to keep my house with an affordable mortgage payment. I did tell my specialist XXXX if I will not get a respond soon I will filling a complaint with my attorney General. Bayview keeps stating I am not able to afford my house. Therefore I have order a new appraisal to be done for my property and is actually under water. Therefore my loan does qualify for an affordable mortgage payment. I do have a surplus and have cut lots of unnecessary expenses. Please question Bayview what are there intentions, mine are to be current once again and start paying my mortgage. Thank you in advance for your consideration.
I took a trip abroad, I came back home and I was charged with over 100 dollars in fees. I have had Amex for over 10 years and I have never had any issues like this in the past. 

I called customer service, asked to speak with a supervisor. The supervisor was " unavailable '' at the moment to speak with me in regards to these fees.
I have two hard inquiries on my Experian credit report from the company " XXXX XXXX XXXX ''. The first on XX/XX/XXXX and the second on XX/XX/XXXX. 

I never signed any documents, nor did I verbally authorize these inquiries. 

My contract with them that started XX/XX/XXXX and ended XX/XX/XXXX. They illegally hard checked my credit twice without any form of communication with me. 

They have wrongfully, without permission and without a proper purpose accessed my credit report.
I received notification from Portfolio about 2 accounts I owed and I tried to explain that I am a victim of identity theft and did not open the accounts ( XXXX and XXXX XXXX ). They refused to listen and reported the accounts on my credit reports.
I sought out a new ARM loan to replace and re-finance XXXX existing home equity lines of credit ( HELOCs ) that I have at XXXX Home Loans ( part of Bank of America ). After extensive document submission and responses to other subsequent requests resulting in pre-approval, the Mortgage Officer attempted to mis-sell me a new, never discussed fixed rate loan or a fully amortized ARM meaning principal and interest rather than the Interest only ARM I applied for. Furthermore, the interest rate for the previously never discussed loan facility was to be materially higher ( despite having an interest rate lock in place at a much lower rate ) than my current HELOCs, which are to begin their principal repayment periods in 2016. This clear attempt at mis-selling is obviously intended to have me wind up with a product that is n't right for me and more expensive than my current credit facility and whose sole purpose was to generate fees and additional income to the lender with no improvement in my circumstances. What I applied for and was pre-approved for was : Loan Purpose : Refinance No Cashout Loan Amount : {>= $1,000,000} Occupancy type : Primary The contact personnel at XXXX are : XXXX Mortgage Services | Loan Processor XXXX XXXX XXXX | Direct : XXXX and XXXX XXXX Mortgage Services | Centralized Sales | Consultant NMLS # XXXX XXXX ext. XXXX | Fax : XXXX
I 've been a member of the Merrill Lynch Wealth Management Group since XX/XX/XXXX. Recently, I transferred to the Merrill Edge Adivisory Group located in XXXX, Arizona. As result of this transfer, they ca n't locate the beneficiary paperwork on my IRA and nor my Statement on my Trust Account for XXXX XXXX. I spoke to the XXXX XXXX Financial Advisory Team on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX to receive this information. They said ca n't retrieve this information.
I traded in my Vehicle on XXXX XXXX, 2016, My ten day payoff was {$6900.00}. The next due date was XXXX XXXX 2016. I received over 10 " ROBO Calls '' at work, and when I finally called them back the lady was very rude and refusing to listen to anything I had to say, Only demanding payment immediately. I told her I have proof the vehicle was traded in and she said it does n't matter, You 're responsible for the loan. I told her that The dealership has proof that they received the payment, and they had acquired the lein release and sold the vehicle. Her response was that I now had 24 hours to pay the balance of XXXX or I would face legal action. I told her that she can not pursue legal action as it has only been 1 day past due, WITH record that the account in question was paid off. I also asked her why the balance is so high. She said they add interest daily, which is nowhere to be found on my contract. I ask to speak with a manager, and she puts me on hold. She comes back and says he will not speak to me because everything she has told me is the truth and I am just lying to get out of a payment, then she hung up on me. I immediately received THREE more robocalls ( This is after XXXX ).
Hello, I believe I am suffering injustice from Amazon/Synchrony as this company is adversely affecting my credit score and will continue for XXXX years unless my credit card is re=opened or removed from my credit file. 

Prior to Amazon/Synchrony Bank closing my credit card ; my stellar credit score was XXXX. 

My credit score has adversely dropped and I desire to recover my score to XXXX or above as I am in the process of purchasing my dream home and desire an XXXX credit score and will not meet this expectation as long as this credit card reports closed on my credit file. 

I have done all I can do, to have this issue rectified to no avail. 

I was approved for an Amazon Card. 

I have never been late nor did I owe a balance at the time my credit card was unjustly closed by Amazon/Synchrony Bank. 

Synchrony Bank unjustly checked my credit file and closed my account without my consent due to my credit score had dropped in XXXX 2015. 

I feel violated by Synchrony Bank making an judgement call on my credit which was right after the XXXX and Holiday season which many people all over the country max their credit cards out during the holidays and pay them off in the new year. 

It is my earnest belief, my privacy has been violated and furthermore ; as long as I have made on time payments to Amazon/Synchrony Bank it is none of their business to monitor the balances I owe to other credit agencies as well as my credit score. 

I need this rectified immediately. 

Thank You, XXXX XXXX
Hi, I find Chase Freedom practice to be in violation of UDAAP, the deceptive piece. As a consumer, Balance Transfer portion should be counted differently than Purchase portion on a credit card. Let me give an example. I recently accepted a Balance Transfer offer from Chase. I did a {$1000.00} Balance Transfer. I then made a Purchase of {$500.00}. As a consumer, as long as I pay the Purchase balance ( {$500.00} ) plus the required monthly balance for Balance Transfer, then no interest should be charged on my Purchase portion. However, this is not the case for Chase Freedom! I find this practice to be extremely deceptive. Please look into this matter seriously. Thank you for your help.