WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan program called FFELP. I made a complain before about my student loan account number XXXX. On this account I have about XXXX loans. I have contacted the Salliemae/XXXX informing them I have no job and I needed to have my loan payments deferred, I requested this form since XXXX XXXX, due to unemployment. I have not received any document from XXXX and department of education. I have submitted a complain to Ambushed men but no solution. Every day I received more than XXXX calls a day from XXXX and Dep. of Education asking for pass due payment in the amount of {$1600.00} to pay immediately. I have no job I just wonder How will I pay them. I also know that I have a right to deferred my student loan. I just do n't know when the phone calls will stop. I spoe with most of them on phone telling me they want to help. i asked How? once I ask that question they hanged up the phone.
We have requested a statement for the recently disbursed student loan from XXXX so so that we can refinance the loan at a lower rate. The agent stated that the loan does not have a payment due and an interim statement can not be printed. The agent advised that the grace period is 6 months and an official billing statement may not be provided before that time. XXXX XXXX requires an official statement to proceed with my refinance and the existing documentation XXXX will provide is not sufficient for their underwriting guidelines.
Capital One Credit Card Company bought another Credit Card Company. I have some XXXX accounts at this time with Capital One. These accounts are all in good standing. Somehow Capital One sent to the IRS a form XXXX ( forgiveness of debt ) and I was forced to pay thousands of dollars to the IRS and to my accountant to straighten this mess out. Nothing was done and I was forced to pay my accountant several thousand dollars in fees and pay the IRS several thousand dollars in income tax fines penalties etc. I made dozens of phone calls to Capital One. I send them faxes and and letters. They refused to acknowledge the problem. They ignored my problem completely. The only thing they did do was send me a letter and say they would notify all the Credit Reporting agencies that there was an error and I was a victim of Fraud. I called the IRS and they informed me that unless Capital One sent in a corrected copy of the XXXX they could do nothing.
XXXX my wife and I have Macy 's accounts and have signed up for electronic bills using our XXXX XXXX XXXX service. We have excellent credit and have never had any issues in the past. Macy 's switched their credit card service to XXXX XXXX in XXXX 2015. While my wife received all her bills since XXXX, I did not receive an electronic statement and a purchase of {$44.00} that I made in XXXX resulted in {$180.00} in late fees. 

I found out about the late charges once Macy 's contacted me in XXXX for the late charges. Macy 's customer service is saying that failure to pay is my fault even though they failed to provide me with a bill. I checked with my bank and the electronic bill service for Macys was turned on the entire time ( which is how my wife received her bills ) After contacting Macy 's, I have finally received a paper bill and the electronic bill pay service has resumed. I have paid the amount that I owed for goods purchased but I should not be responsible for late fees based on statements that were never delivered.
I have been waiting for ACS XXXX ( " ACS '' ) to provide a certified payoff to my new lender for over 9 months. However, ACS is refusing to do so. Wells Fargo is the lender and may have knowledge and/or approved of the following conduct by ACS. 

ACS currently services XXXX of my student loans. In approximately XXXX 2016, I submitted an application for a federal consolidation loan with XXXX XXXX. This was approved and all of my student loans were paid off with the exception of the loans serviced by ACS. XXXX XXXX informed me that it had requested an up-to-date certified payoff amount from ACS but was told that ACS could not provide this information due to an accounting issue. 

At XXXX XXXX ' request, I called ACS to ask about how we could clear this issue up. I was informed that ACS needed to recalculate my principal, interest, and payments to ensure they were giving XXXX XXXX an accurate and certified payoff. I was informed that this process was completed by a separate ACS department and that they did not know how long it would take. I asked to speak with someone connected to that department and they refused. For over 9 months now, I have been waiting for ACS to complete this " adjustment '' calculation and provide the payoff to XXXX XXXX so that my federal consolidation can be completed. The only information I receive is from an ACS customer service manager on a semi-weekly basis. This manager simply informs me that, " this matter is still pending and I have no updates for you. '' In the meantime, interest is still accumulating on this account and ACS is still being paid to service it. Due to the types of loans, these accounts do not qualify for certain IBR plans which was the main reason for my consolidation into one federal loan. This has placed an extreme hardship on me and my family and I am considering bringing a formal action in state or federal court against ACS.
I've spoken with these two companies several of times about this issue. I am trying to rectify this matter however ; these companies aren't in compliance with the laws. I've asked several of times for proof of account being paid in full and also stating that they would have item removed, both representatives refused to send the letter, but kept stating the matter would be taken care of. I asked for proof because I don't feel comfortable paying these items without proof that it's paid and will be removed from credit. Far as XXXX XXXX XXXX I've explained to the rep. that I am in a hardship and at the time of services I used my health insurance which paid the balance in full and I'm not even understanding why I would to pay over {$1200.00} out-of-pocket when this balance has already been paid. I informed him that I would settle this amount for {$75.00} because that is all that I have and that I am in-between jobs right now and that this matter is hindering me from getting a job and he laughed, asked me " are you kidding me you have a large balance '' and refused to assist me. I asked for a supervisor several of times and he refused to send me over to one only denied that there isn't one around, only to send me to a guy by the name of XXXX with a very bad attitude whom stated he was a team lead. This company has violated my rights as a consumer and violated several laws per FDCPA. I am willing to settle XXXX XXXX XXXX for the amount of {$75.00} being that they purchased the debt, added fees and it's already been written off as a profit and loss. I am willing to pay AmeriCollect in full but I need for this item to be removed from my credit and I need a letter prior to paying.
On XXXX XXXX I submitted for a cash back return on my credit card from Wells Fargo, their Go Far Rewards program. The check was subsequently misplaced and never cashed. After receiving a letter from Wells Fargo noticing the check had not been deposited yet I called their Go Far Rewards program where I was informed that due to their terms and conditions I would not be able to receive a new check and that they would return the outstanding {$50.00} to the bank for themselves. I spoke with both a frontline and executive customer service representative to know avail.
Nation star indicated that tbey would automatically modify my second lien loan after my first lien was done. That was back in XXXX. Every month I am told it is in process. Finally in XXXX I recieved loan documents indicating what my new payment would be starting in XXXX. I returned them signed and have yet to receive any additional information. In XXXX I called to make the payment and was told my loan was in default when I was transferred to the modification program they told me it was just taking longer to get documents proceeded but all was good and to send in a payment in the new amount the next week. It is now ebs of XXXX and I am getting certified letters that I am in default. I paid the new payment amount in XXXX and XXXX. I just want them to resolve this mess as they are reporting me to credit bureau.
Bank of America is maintaining a blacklist of former accounts in violation of the FCRA and FDCPA. 

I was denied when applying for a Bank of America card, and was offered an option for a secured version of the card with different terms. The main reason stated for denial was that I had a current or past delinquency with them and/or one of their affiliates. I have never had a card issued by Bank of America, and no delinquencies at all on my credit report. Therefore, I can only assume they are referring to a card from one of the banks they have acquired since 2008,  which was closed, sent to collections and paid many years ago. This means that they are using data older than the statue of limitations ( e.g. time-barred ).
Received phone calls last week on persons trying to open accounts under my name with XXXXt and XXXX.realized only today an account was opened with XXXX XXXX XXXX
I was informed my bonus check from work would be late. I immediately called American Express and asked what my options were as I wanted to do my due diligence having been a client of there 's for 11.5 years with excellent credit history. They informed me to make certain payments by certain days and they scheduled these withdrawals from my bank account. The account was paid in full and satisfied with their procedure. They turned me over to the credit bureau for being 30 days late after I did what we agreed upon to stay in good standing. This is not fair, they lied and I would like the 30 day late fee removed immediately as it is harming my credit score and I 'm trying to get a mortgage. I have the conversation on their recorded line and all statements documenting all payments made in a timely order as we agreed.
I wanted to open a new credit card so I did a search to find one that would give me a bonus for singing up. Based on the results I found I signed up for an HSBC credit card. While I do not have a photo of the signup offer, I was under the impression that I was signing up for a promotion that would give me {$150.00} or {$200.00} cash back after spending {$500.00} or {$1000.00} ( again, I should have taken a picture, but this is the range of the deals I was looking for, and my goal had been to sign up for the best deal I would be eligible for ). I was approved for the card and the account was opened, but now they tell me I need to spend more than {$2000.00} to get the bonus. I don't spend that much money on my credit cards and never would have signed up for an offer like that. Now I have a mark on my credit report all for nothing.
I am a victim of identity theft. I did not do a online application for a XXXX XXXX credit card on XXXX. I already have a XXXX XXXX credit card. I called numerous times of the agent assures me that " IT WAS TAKEN OFF MY CREDIT REPORT '' Since XXXX I have called over 4 times and get the run around.
It has become more apparent that Capital-one could not provide a cogent reason why i got the short end of the stick '' interns of XXXX on my credit card, This conclusion perhaps based on their response, and the conversation with " XXXX XXXX '' an incompetent CAPONE rep. who said in our earlier conversation that, the reason for APR hike is on my account primarily based on my credit worthiness, but after refuting this claim by pointing out to her that my credit scored " A '', that this information on my credit is available on CREDIT TRACKER '' which is being offered by CAPONE.. she then say their decision is proprietary.. 
This proves to me that the Company is a complete FRAUD, The reasoning behind this decission seems absurd, and its an insult in every level.. I think as a consumer, i have every reason to know why decisions that affects my credit card and my finances were being taken.. it appears the reason behind will always be a mystery ... this just another way of swindling and using deception to defraud consumers.. I 'm looking forward to an amicable and favorable resolution, and i wo n't hesitate to expose this company " CAPITAL-ONE on a social media '' to every consumers feeling the pinch in silence.. 
XXXX
I am making a complaint against XXXX XXXX XXXX XXXX COMPANY I have an open investigation with XXXX XXXX XXXX XXXX Company who refuses to fix a error on their part I Filed a bankruptcy and XXXX XXXX was NOT included ; however with them being a creditor they have to be notified that i was in a active bankruptcy ; however keep in mind my house was NEVER Included in this i kept my home and XXXX XXXX REFUSES TO FIX THEIR ERROR HERE THEY HAVE NEVER SENT ME ANYTHING ON A REAFFIRMATION AGREEMENT AND WHEN THEY FOUND OUT THE JUDGES HERE DO NOT DO THIS THEY STILL REFUSED TO FIX THE PROBLEM They state they do not have to because it 's their policy! This needs to be fixed asap!! I have been dealing with this since XX/XX/XXXX! This is beyond ridiculous they can call me about a stupid survery which i gave them a earfull but they ca n't fix this problem they created which is NOW affecting my credit report as it is showing my home is in bankruptcy like i never even made any payments and lost my home which is NOT The case they need to fix this!
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over XXXX days ago, under Section XXXX ( XXXX ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Title : American Express took away my XXXX membership rewards point for injustice/unlawful reason. 

On XXXX/XXXX/2016, I was approved for American Express XXXX card with the offer of XXXX membership rewards point when I spent {$3000.00} in 3 months. I met the opening bonus of spending {$3000.00} in 3 months, and was credit XXXX membership rewards points on XXXX/XXXX/2016. My spending was way beyond {$3000.00}, and I did not violate the term and condition by buying any gift card or such. The spendings were all normal every day spending such as groceries, gas, and rent. 

On XXXX/XXXX/2016, I canceled my XXXX card. Because I realized my existing XXXX XXXX card has all the same benefit as the XXXX card, and additional benefits from XXXX dealerships. Hence, I decide to keep my XXXX XXXX card and cancel my XXXX card, because of the exact duplicate benefits. Although XXXX XXXX has a higher annual fee. 

Before attempting to cancel my XXXX card, I use American Express online chat to chat with several agents by questioning them if my opening bonus of XXXX rewards points would be craw back if I cancel my card on that day. Agents including whose names were " XXXX '' and " XXXX '' all insure me that once my points were credited to my account, they wo n't be taken away. I had taken screenshots of our conversation to prove their sayings. 

On XXXX/XXXX/2016, I asked American Express if they can reinstate my account. Because I did not feel good about receiving opening bonus and then to cancel my in a little more than 3 months. Although the benefits of the card are exactly covered by my existing XXXX XXXX card, and my XXXX XXXX card even provides a greater benefit. 

However, I received a physical letter from American Express dated on XXXX/XXXX/2016, informing me that my request to reinstate my Platinum card has been declined. The reason for their decision being XXXX or more of my charge accounts has a spending limit. So even though I want to do American Express good by paying them an annual fee on an inferior card that I wo n't use, they decided to decline my request ( or kindness in my opinion ). 

On XXXX/XXXX/2016, my rewards program showed a " Point Adjustment '' of negative XXXX rewards points. I called membership rewards phone number on XXXX XXXX XXXX XXXX on the same evening at XXXX to inquiry of the point adjustment I see. XXXX ( employee ID XXXX XXXX understood my concern, verified my account, and was confused by the reason and situation as to why my points got craw back. I believed in the system it said I did n't meet the spending requirement of {$3000.00}, which is totally false allege. XXXX then opened a case for in and insured me an agent or supervisor would contact me in XXXX7 business days. But until today, I still have n't received any phone call from American Express. 

Therefore, I decided to open this complain to bring in American Express ' attention. Through the years using American Express, I have experienced exceptional customer service. I am sure this matter could be resolved smoothly as usual, although there were some hiccups. 

Looking forward for your response. 

Sincerely,
I paid XXXX for a notary renewal course. They did not send me the link in a timely fashion and I had to file a complaint with XXXX. Once the complaint was filed, XXXX sent me the link to the course and filed proof of said with XXXX, so the complaint was closed and my payment was sent through XXXX to XXXX. 

I completed my course and sent the necessary proof of completion to XXXX and requested that they send me, via email, my course completion certificate so that I could take my XXXX XXXX exam. 

XXXX informed me that they would not be sending me my Cerificate, claiming that I had dishonored the payment/not paid them and that they had sent the bill to a collection agency called Fidelity Creditor Service. 

I called Fidelity Creditor Service and told them the urgency of the situation, as my income will stop if I am not able to renew my notary license. I spoke with XXXX at XXXX and advised him that XXXX would not release my certificate until the collection agency told them I had paid the account ... ..the account that never should have been placed with collections in the first place. XXXX said it would take 48 hours to clear up, and we began to argue as I felt this was unacceptable as this should have never been sent to collections in the first place and because I was going to have to reschedule my notary exam if I did not receive this certificate asap. XXXX then told me that if I faxed the document over that, " oops, we did n't receive it. '' would happen. At that time I then asked him to provide me an email address as well so that I would have double proof that I had sent the info over. XXXX refused to provide me with the email address and again made sure that I knew that anything I sent by fax would some how not be received. 

I called back 11 times and left messages with XXXX and spoke with another person named XXXX and neither of them would provide me with an email address to send the proof of payment to, since XXXX had made it abundantly clear that anything I sent by fax would be intentionally lost. 

This collection agency has been informed that his account was placed with them maliciously and is refusing to accept the proof that the account should have never been placed with them and has blatantly told me that anything I fax over will be conveniently lost/not received. My account number with them is XXXX.
On XXXX XXXX 2016, I made XXXX money transfers through Money gram from XXXX to XXXX, the XXXX was for USD {$5.00} to receive XXXX {$17.00} ( XXXX XXXX ) under reference XXXX, the second one was USD {$520.00} to receive $ XXXX XXXX, when I delivered this money I ask to money gram agent in XXXX that if there was a time limit to receive the money and also I if there was any a problem with the amount of USD {$5.00} and the teller told me that there was no problem. 
On XXXX XXXX 2016 the receiver and I went to Money Grams agent in XXXX and tried to receive my money and the agent named XXXX XXXX, we were told that we were not able to get the money because the transfers were blocked, and after two days of visiting XXXX offices from XXXX different Money Gram Agents and calling customer services phone it was impossible to have an agreement between Money Gram, the agents and me as the customer, on one side at money Grams customer service line they answer always was that there was not any problem to perform the payment that I was able to receive it when I want that I should go to another office and on the other side the XXXX different agents were not able to make the payment, finally at the headquarters of one of the agents ( XXXX XXXX XXXX XXXX XXXX ) there was a settlement between the agent and Money Gram customer support that the only way to pay me was to divide the transfer of $ USD XXXX in two different payments, but I would receive COP XXXX instead COP XXXX, because there was an extra cost for dividing the payment, finally I accepted because I was afraid to lose my money signing in the papers that I will submit a complaint ; for the USD {$520.00} transfer I received the money completely. 
After I received the money I submit a complaint through Money Grams web site, asking why they were charging me for dividing the payment, they answered me that the difference of the values was not for an extra charge but it was because they used the exchange rate of the day that was divided the payment which is under the rate when I delivered the money. 
The complaint is under case number XXXX since XXXX XXXX, Money Gram asked me some detailed information about which offices and agents I visited. I have asked about updates for this case number and they have answered me that the investigation is still under process, but after almost two months I am noticing no progress at all. 
From my point of view I have been a victim of the lack of communication between Money Gram with their agents and customers therefore I should receive the amount of money initially agreed, when I delivered the money. I did not request to divide me the money therefore I should not to assume difference of the exchange rate values, for that exchange rate deviation I received XXXX XXXX less than it was initially settled in our contract
In XX/XX/XXXX, I contacted Conn’s customer service to inquire what my payoff amount would be. I was told that my balance was XXXX. I asked if that was the amount I needdd to pay to close my account, and I was told that was correct. I paid the amount within a week.  6 months later in XX/XX/XXXX, I receive a promotional flier from Conn’s that also had in the upper corner a note that said Current Balance : XXXX(this amount may be off by a few dollars).  I contacted Conn’s and asked why the flyer showed I had a balance. I was told that I did not pay my balance before the promotional period was up. I explained that amount I paid was given to me by their customer service rep and that was the amount I paid. They put in a ticket and the manager asked that I call back in one week. I called back about two weeks later spoke to the manager and she told me that the balance was being written off and not to worry.  In XX/XX/XXXX, I start to receive text message and emails stating that I missed a payment. I have not charged anything new so I contact Conn’s to see what is going on. I spoke to customer service and they say they see where the balance was requested to be written off and will put in a ticket.  I have called every week since, and today I am told that they are not going to write it off or do anything about it. The representative is now stating that they have no records of any of the conversations not even the conversations with the manager.