WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One sent me an email telling me they had unenrolled me from paperless statements when I missed a payment. A couple of days later, they sent me an email stating " Thanks for enrolling in paperless statements. '' I did not re-enroll in paperless statements. Enrollment in paperless statements requires consent for purposes of XXXX, which I did not provide. Accordingly, Capital One is violating XXXX by enrolling me without my consent. Further, TILA does not permit creditors to condition delivery of periodic statements on paperless enrollment. As such, failure to send a paper statement in the absence of XXXX consent constitutes a violation of TILA 's periodic statement rules. I believe this issue is not unique to my account, and it is likely that many consumers were enrolled in paperless without their consent and have not been receiving statements properly.
this account was Paid satisfactorily in full and was and it's not been reporting to my TRANSUNION credit report has of yet XXXX XXXX XXXX Account Number XXXX  Account Type Installment Loan Terms 18 Months Date Opened XX/XX/XXXXAccount Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX  ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$3300.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
I received  XXXX  inquiries on my credit report from  XXXX   XXXX  for  XXXX / XXXX / 17 ,  XXXX / XXXX / 17  and  XXXX / XXXX / 17 . I called  XXXX  today to discuss and the supervisor said that they were only aware of  XXXX  inquiry dated  XXXX / XXXX /   17  and asked me if I recently requested a credit line increase and I told them no. He suggested that I dispute the inquiries and that should solve the problem.
When applying for a mortgage through Quicken loans I was misadvised by the underwriter XXXX XXXX. During a telephone conversation XXXX advised that I would need a letter or relocation in order to continue with the loan. I told XXXX I would not have that for some time, since I was not relocating for 6 months. XXXX advised me to replied to his email and state what we discussed on the phone and outline my relocation. I did so only to receive an email from him that Quicken needed this on company letterhead. I reluctantly troubled my boss for the letter and sent it to XXXX. XXXX then replied that the letter needed to be signed. I again troubled my boss to sign the letter he had drafted. I feel that the underwriters should know the requirements of the documents that they are requesting. I feel that XXXX was just guessing, this caused frustration and wasted my time, my boss 's time and XXXX 's time.
Student loan payment went up 250 % ( from {$59.00} to {$140.00} ) with an increase of {$3500.00} in AGI. I am unable to pay this larger amount. 

I have contacted CFPB, XXXX XXXX XXXX and the US Dept of Education 's Ombudsman about this in XX/XX/XXXX. Having received no communication from any of these three groups, I called the US Dept of Education 's Ombudsman group on XX/XX/XXXX. From there I was told to fax my complaint to the US Dept. of Ed. Ombudsman group and XXXX  XXXX XXXX. I received no communication from any group from the fax. ( I have proof of mailing & faxing. ) On Friday, XX/XX/XXXX, I called XXXX XXXX 's ombudsman group and was told I'd get an email in 24-48 hours. I received an email today, XX/XX/XXXX. The email gave me a convoluted formula to calculate a new payment method called the " Partial Financial Hardship '' - which reduced my payment amount by {$1.00} a month. The email did not even mention what my next steps were. 

I am unable to pay my loan at this new amount- even with the Partial Financial Hardship calculation. I can not appeal or get a real dialog started. In fact, I have no faith in that anyone will read this either and that I'm simply wasting my time filing a complaint.
I have been out of work since XXXX XXXX and have been trying to receive a consistent amount of social security benefits. I had a membership at XXXX XXXX XXXX, XXXX and the contract period has been fulfilled. I was on a month-to-month membership which I attempted to pay when I had money. 

I found out that there may be a problem when I received a solicitation letter, dated XXXX XXXX, XXXX, from law firms who were offering to represent me in a lawsuit that was filed by XXXX XXXX XXXX, XXXX. Since this was news to me, I went to the facility at XXXX & XXXX XXXX, XXXX, NE to talk to the manager to find out what was going on. I spoke with a person who identified herself as the manager. I showed her a letter from a lawyer and asked if XXXX XXXX XXXX had filed a lawsuit against me. She looked up my records and informed me that the account had been turned over to a collection agency. She assured me that there was no lawsuit filed against me. She did not allow me to remedy the overdue account since the account had already been referred to a collection agency. I did not pursue the matter any further based on her assurance that there was not a pending lawsuit. 

In early XXXX XXXX, I received a summons that was dated XXXX XXXX, XXXX notifying me that XXXX XXXX XXXX, XXXX was suing me for {$210.00}. There was a yellow sticky note on the front of the summons with the name XXXX XXXX XXXX XXXX. The officer who delivered the summons informed me that the lawsuit was pending and I should contact XXXX XXXX XXXX. 

I called XXXX XXXX XXXX to find out what was going on and was told that they had sent a letter to me on XXXX XXXX, XXXX. In that letter they told me that I had 30 days to dispute the claim or resolve it. I informed them that I do not have a record of receiving a letter from XXXX XXXX XXXX. I was told that, since the letter was not returned, they presumed that it was delivered. 

I did not know that XXXX XXXX XXXX had canceled my membership, did not know that they had referred the account to a collection agency, did not receive any correspondence from XXXX XXXX XXXX, and initially found out about a lawsuit from a lawyer solicitation letter.
On XX/XX/018 I XXXX XXXX with business name : XXXX XXXX went to SunTrust website XXXX : XXXX   SunTrust advertised to Open Business Checking account and deposit {$1500.00} within the first 30 days of account opening and you would get {$200.00} bonus. 

I click on the advertisement directly on Suntrust.com website ( Learn more ), then clicked on the apply button with the promotion code XXXX. Then I funded my business checking account. In a few days I called to check on my application status and I was told by the SunTrust rep to go to the branch to verify my business address. I went to the branch and my account was fully approved. 

I started to make deposits into my business account and reached the {$1500.00} deposit requirement in less than 30 days. 

I called SunTrust to let them know I had made the qualifying deposits and inquired on when I will get my {$200.00} bonus. 

I was then told that the promotion was not on my business checking account. I asked the rep how could this be the case, this was the promotion you advertised on your website and this what I applied for. I told the rep why would I make deposits of more than {$1500.00} and then call about the promo I applied for, and I told the rep again this is the account your advertising on your website and now youre telling me I dont have the promo. 

I felt like this was a bait and switch tactic for SunTrust to get business to put money in there bank. 

I asked for a Manager and the manager opened a ticket and told me they would get back with me. 

I received a call about a week later and a SunTrust rep told me that I was not getting the promo because even though there offering the promotion they did not see the promo code on my application. 

I then receive another call from a SunTrust Branch rep telling me that the promo code was applied to my account. 

Then I got a 3rd call from the promotions department telling me they did not see the promo on my application. 

After all these calls with different info, I contacted the Branch again and was told I would be contacted again because I filed a complaint. 


I want to sue this company for false advertisement, wasting my time and my money with my business, I want my {$200.00} bonus applied immediatly.
I have tried on line to freeze my credit with Experian and also tried calling them. The other 2 credit bureaus allow freezing my credit on line which Experian is not presently allowing and when Experian was called the phone system said they were experiencing difficulty and hung up.
The bank was requesting a net value of XXXX we had an offer for XXXX ( eventually they went up to XXXX ) The bank did another appraisal and did a net of XXXX which would probably be a XXXX sales price to cover all expenses. They refused the XXXX but today the house went foreclosure and sold for XXXX which makes no sense. I had difficulty with this bank before and they do not work the client and I just want to make you aware of this. They also changed the locks on the property while my client was still there and did n't even advise him.
i created an account with coinbase in 2014, ive been a customer for many years. Funds in my old account have not been transfered to the new one i have waited for weeks and still can not get a reply or response from the company.
Enhanced Recovery Corp. reported a debt in the amount of {$220.00} on behalf of XXXX XXXX XXXX to the XXXX major Credit Bureaus ( XXXX, XXXX, XXXX ). I paid the amount ; however, the delinquency date reported is inaccurate and is affecting my credit score immensely. Enhanced Recovery Corp. is refusing to correct this since they 've already been paid. 

Prior to Enhanced Recovery Corp. a different collection agency was contracted by XXXX XXXX to collect. This debt has been moved around by numerous collection Agencies. The year of delinquency should be 2013.
Citibank offered a bonus of XXXX Thank You Points when opening a Citigold account with the following criteria : make a bill pay 2 months in a row. I called in to create an account and was told that I would be eligible to receive the points if I satisfied the criteria. I opened my account in XXXX, and after calling in several times to confirm I had met the requirements ( and was told I did ), was told to keep waiting. Come late XXXX, I received an email that I was not targeted for this promotion, and would thus not be eligible to receive the promotion.
I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at XXXX experience and XXXX and all other national credit reporting agency.
I was given extension or payment relief by XXXX for two months XXXX and XX/XX/XXXX and those payments were adjusted at the end of plan XXXX and XX/XX/XXXX beside relief nissan motor acceptance charged me one month XX/XX/XXXX gave me one month relief and taking two payments at the end of the plan over to this they reported me late payment in the months they gave me relief according to my records they took two payments in XX/XX/XXXX month one on XX/XX/XXXX and second payment on XX/XX/XXXX I reported 6 to 7 times on phone and XXXX not agree to resolve it and credit beauros they also taking XXXX side I am helpless my credit score goes down I started bussiness and need financial help for bussiness but nobody gave me loan for starting bussiness because of my score and it result in hard inquiries over my score I am financially broke and in critical situation I have family these guys playing with me like it doesnt matter for them but it matters for me because I have XXXX sons XXXX wife family to look after but they playing with me continuously now I am filling complain against these two nissan motor acceptance and XXXX XXXX and XXXX I am attaching reports and documents with complain I need it to get resolve as soon as possible now I am going to file suit against XXXX i have call records when i filed the dispute and many times called them
I constantly keep getting collection notifications in the mail in referencing a debt that was satisfied prior to the collection documentation began. I have contacted the original debtors whom confirmed the debt was satisfied ( attached receipt ). However, I still receive collection and demand of payment letters from the original debtor and collection agency ( attached ).
XXXX XXXX Mileage Plus Explorer Card is through Chase Bank. XXXX / Chase offers XXXX bonus miles " after you spend {$1000.00} on purchases in the first three months from account opening. '' That statement is on an advertisement on the wall of every airport that XXXX XXXX serves, it 's on the brochure in every seatback, and it 's on the card 's website. ( The link is too long to post. Just XXXX " XXXX XXXX Plus card. '' The first thing you see is the XXXX bonus mile offer. ) We more than met the requirement. When the points were not added to our account I spoke with a Chase rep ( name of rep and date of call available ) who looked at our card usage, agreed we had met the requirement, and attempted to get the miles credited to our account. In response I received a letter XXXX XXXX from XXXX XXXX, Customer Service Specialist at Chase who denied that we had met the requirement. That precipitated my second call ( name of rep and date of call available ). The rep agreed we were entitled to the bonus miles and said that she was going to use a different " channel '' at Chase to get the points credited. A second letter from XXXX XXXX, Senior Financial Service Specialist XXXX arrived XXXX XXXX. This one said " As previously advised we only consider MATCHING BETTER OFFERS ( emphasis added ) within 90 days from the open date. Since you were outside of that timeframe, I regret that I am unable to take further action regarding the enrollment offer you requested. '' Please note : my complaint has nothing to do with " matching a better offer. '' XXXX XXXX has the wrong account in mind or something. 
I called XXXX XXXX six times at different times of the day from XXXX/XXXX/16 to XXXX/XXXX/16. Each time I had to leave a message. XXXX XXXX never returned my calls. 
I am exceedingly provoked by Chase attempting to stiff me, and by XXXX XXXX refusing to answer my calls. What 's the point of a Service Specialist putting a phone number with the hours he takes calls at the bottom of his letter if he does n't return calls? 
All I want however, is for Chase to honor the offer that they made. 
A check box below asks how much money we lost. We have lost nothing out of pocket, but XXXX miles will fly me or my wife to California and back -- which is worth about $ XXXX. One of the reasons we signed up for the card was the offer, so in that sense they are defrauding us of as much as {$500.00}. 
XXXX XXXX
Our mortgage ws given to OCwen when GMAC went under. Ocwen has not asked for us to sign any loan documents or explain any of our fees. We were paying our loan and trying to modiffy with no sucess. in 2014 my husband got laid offf andthey modified us to a unemployment modnification and made it sound perfect. we were able to keep our home while my husband found anouther job. at 5 months thye cancelled our modification because we were 1 day late on the 1/2 of the payment we owed. once this happened hy explanined to me that now we owed them around {$15000.00} to keep our home. i asked why and how is that possible and they explained that what ever we do not pya on our mortgage we owe at the end of the modification. please tell me someone on unemployment is going to be able to save this kind of money when they are just making it by .... they felt no remourse and would not help us in any way. i had to either find the money or lose my home. what a shock this was. i had to go to a family member and ask for them to loan us money as we had no money and wanted to save our home. since then i have tried to modify my loan and htey refuse. i do have the lowest interest rate as when my loan was with GMAC they were able to adjust my rate with the first HAMP refinance i tried and for 2 yrs unable to make a mortgag payment and then when they gave us the 2 % rate they added what we owed on our mortgage to the back end of our loan so we became under in our mortgage and equity. Ocwen states that due to us not being XXXX or XXXX there is nothing they can do. then why this program to hlep. i am not asking for my payments to go lower i just want my principal to be back where it was. all of thi happened with GMAC and OCwen and is not communicated and when you ask to speak with managment for office of the presidents they tell you there is none and we have to deal with it. There is no concerns or willing to help with this company. i feel that there is something they can do for us. The main parts are the amount of money we had to compe up with to save our home after being on unemployment in the amount of {$15000.00} which no one that has no job has that kind of money, that is unfair and should not even be offered. that is a scam and they know exactly how to get you to think it is so great until the end. they want your home they want you out. 2nd issue is the no resolution to anything. they can not tell you why you are denied on something or what can be done. they just tell you no. there should be notes and detailed reasons for declines. instead it is just a no and you can either short sale or foreclose. i think that should not be a opition ....
My mortgage was unfortunately sold to Amerihome, and I can not wait to be able to refinance somewhere else. Last year I fell 1 month behind on payments while on maternity leave. I was sending in payments as I was able, about once a week, not realizing this would throw my payments off. After many calls back and forth to them ( the specific name I believe was XXXX, though spelling may be off ) I was able to catch up, and this was verified by them, as well. Then the next month, a payment was lost it misapplied. After getting multiple proofs of payments that I did, indeed, pay them, they credited my account. Then all of a sudden they tell me Im still a month behind! Apparently they say they accidentally credited my account twice, none of which is obvious to me on their awful website, and that essentially Im responsible for their mistake. Ive sent in so much paperwork with proof of payments from my credit union, and even an XXXX  spreadsheet on all of the payments I made. Its hard to talk with anyone on the phone because it always ends up in around an hour phone call. XXXX just stopped calling me back and eventually became quite rude to me. So now Im accruing late fees, and the late payments are affecting my credit score. So over this company and their predatory practices.
I was approved for an  XXXX   XXXX  Citi credit card. As part of the agreements, to earn  XXXX  miles, i had to chsrge  XXXX  in the first  XXXX  months. upon receiving my card, i began using my card and i had no issues. I was approved with a  XXXX  limit. Today i used my card while on vacation and was declined. still  XXXX  plus available. when i contacted citi from my cell phone which i provided at application, i was advised since this phone was not in my name they could not remove the fraud alert. then they said if i had another credit card, they could validate my identity. i provided them my chase credit card number so they could validate. after citi called chase, now  XXXX  had added a fraud alert on my account. i was advised that i need to send my a copy of my Dl # and ss # to remove the fraud. i am not home and i dont carry my ss card with me. to protect me from fraud, perform all these steps before you approve. dont approve me, then put a fraud alert on my account, and then ask for another credit card then cause another fraud alert while im on vacation.
My ex-husband and I owned a business together. We had an XXXX XXXX XXXX XXXX XXXX card. Our company was struggling due to divorce and a difficult economy. We fell behind on payments. As we were trying to recover and restructure, rather than go bankrupt, I contacted companies that my business was indebted to and negotiated payoffs. When I contacted American Express and negotiated a payoff for the company, they accepted the payoff and we paid it immediately. We had this card for more than 17 years ; we closed the account in XX/XX/2015 but we kept paying on the card. Never before had this company reported on my PERSONAL CREDIT REPORT. So all of sudden, the account was paid off and XXXX XXXX XXXX XXXX XXXX shows up on my PERSONAL CREDIT REPORT a month ago showing the last 6 months. Never did they tell me that they were going to report this activity to on my PERSONAL CREDIT REPORT. They just took the liberty of doing so. I wouldn't have an issue if they reported this activity on our company 's credit report given it was a company account but not on my personal! I have worked hard to maintain my personal credit report in excellent standing. I consider what American Express has done to be unethical and inappropriate ; and I want this reporting removed off my personal.
On  XX/XX/XXXX  I responded to an email from Chase inviting me to apply for the  Southwest Rapid    Rewards Plus    Visa   Card  ( {$69.00} annual fee ). I applied for the card and was approved for a Visa Signature card with a credit limit of {$35000.00}. A welcome email alerted me to the fact there was actually a  Chase   Southwest Rapid Rewards  Premier  Visa   Card  with a ( {$99.00} annual fee ) that had rewards benefits which were superior to the  Plus  Card. The email indicated you can upgrade to th e Premier Ca  rd.      On  XX/XX/XXXX , I called Chase and asked to upgrade to t he Premier ca rd and was told this was not allowed due to the  CARD Act . I was told by a  Chase  representative I would need to close/reject my newly opened account and apply for the  Premier C ard. I asked if there would be any issues regarding applying for a new account shortly after opening an account and was concerned about having multiple inquiries on my credit report. The representative told me " many customers apply for multiple Chase cards in the same day and are approved. '' Having excellent credit, I assumed this would n't be a problem for me.     I closed/rejected the Plus Card and applied online for the  Chas  e Southwest Rapid Reward s Premier Vi sa C  ard.  I received a message that my application could not be approved at this time. I called Chase and was told they could not extend any additional credit to me. This was my logic : opened Plus account ( + {$35000.00 } ) and  closed Plus account ( - {$35000.00 } ) so m y net credit with Chase is at  XXXX . Why could they not extend any more credit? I was told that was due to the fact I could re-open the card I had just closed. The only way for me to obtain th e Premier card  would be to shift credit from another existing Chase credit card account. The rep told me he could move {$2000.00} from an existing account and approve me for the  Premier C ard.     I could then re-open the Plus  Card  and move the {$35000.00} credit line to the n ew Premier  Card and then close the Plus  Card.  The rep performed the action of moving the {$2000.00} from an existing card and approved me for the  Premier  Card.     I received a letter in the mail informing me I have been approved for a  Chase   Southwest Rapid Rewards   Visa Platinum   Card.  At no point was I told that I would be applying for a Visa Platinum Card. My intent was to have the Visa Signature.     Chase is telling me because the new account was approved for a {$2000.00} credit line that it can not be a Visa Signature ( even though the credit limit is at {$35000.00} after performing the actions described above ). They say it can not be changed for  12  months.     Even though I have excellent credit and will be paying a {$99.00} annual fee, I will be receiving a level of benefits inferior to th e Visa Signature because I was not informed that by only moving {$2000.00} in credit instead of {$5000.00} would result in a Visa Platinum  Card.