WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2017 I opened the US Bank XXXX XXXX card because they have advertised that " spend {$4500.00} in 90 days and get XXXX points ''. I paid {$400.00} annual membership fee right away after approval. I used it twice, one is for a computer purchase on XXXX with the amount of {$4700.00}. And on XXXX, I used it to pay for the tax/fee of 2 airline tickets, which is {$5.00} each. On XXXX, my card was involuntarily closed by US Bank. I called XXXX and spoke to XXXX, and he told me, per their T & C, my card was permanently closed because I used my card to buy " cash  equivalents ''. I only have these 3 charges to my card for the whole lifetime of the card, and none of them are " cash equivalents ''. Then he said it was closed because some of the transactions are earning me " reward points '' and therefore US Bank decide to close my account. So the fact is, I did not use the card on any " cash equivalents '' ( which XXXX said was forbidden by their T & C ), but they still closed my account nonetheless because my transaction is simply earning rewards points. To date, my rewards point count was XXXX, although they advertised that I could get XXXX points ( worth {$750.00} ) after spending {$4500.00} in 90 days. From what XXXX said, my understanding is, US Bank advertised their card as a " high rewarding card '', but once you use it to earn rewards, your account would be closed by them because they do n't want you to earn the rewards. To me, this is typical " Bait-and-Switch '', and is cheating customers into applying ( and resulting in a hard inquiry and huge negative impact to the credit report because of both the inquiry and short lifetime of the card itself ), and then only keeping those accounts that they do n't need to pay rewards expense. I also used the card to reserve several hotel nights, which would resulted in inconvenience. I can not believe US Bank is doing such cheap thing. And the agent XXXX even said " go ahead and file a CFPB or BBB complaint if you want '', sound like US Bank does not care at all.
Discover does not provide adequate access to loan information for their borrowers, including important agreements to the terms of their loans. The loan statements are intentionally misleading and represent inaccurate interest calculations. My private student loans were bought by Discover from XXXX XXXX for an initial principle of {$34000.00} which is the combined total of XXXX ( XXXX ) different variable rate loans. The monthly statements indicate the principle balance, interest rates, and loan balance ( principle + interest ). However, when you calculate the interest rate based on the principle loan amount the loan balance indicates a significantly higher amount, misleading consumers that Discover 's arithmetic is inaccurate. When I called Discover student loans regarding this dependency, I was told that it is due to what they call " Capitalization '', which I was told by the representative is essentially a compounding, or double charged interested to my principle. This type of action would be in violation to the terms of my loan. When I pressed the representative on this issue, she decided to transfer me to someone else ( XXXX ) who was in what she called a " Specialty Department ''. After asking what this specialty department was, I was told that was a misrepresentation and he was just the acting supervisor. He later explained that what the previous representative said regarding compounding interest and double charged interest was not technically accurate. He began to tell me that it was something that most borrowers do n't think of or know they are agreeing to most of the time and agreed verbally that this was an underhanded practice. XXXX informed me that I agreed to all of this in my " Promissory Note '', which I do not have access to. Discover purchased my loans from XXXX XXXX in XXXX, however, Discover only gives me access to statements dating back to XX/XX/XXXX. So in short, my complaint is Discover 's lack of loan information, misleading or incomplete information on loan statements, and misleading information by representatives in customer service. It is clear that Discover Student Loans have not made the necessary improvements since the ruling of their XXXX class action lawsuit charging them with similar sloppy, misleading business practices. When will student borrowers get the protection they need from these crooked student dept holders??
Equifax Security Freeze Experience : I requested a Security Freeze from Equifax. Certified letter was mailed XX/XX/XXXX and delivered XX/XX/XXXX. ( USPS Certified Letter # XXXX XXXX XXXX XXXX XXXX ). Today ( XX/XX/XXXX ) I receive a letter from Equifax giving me an Extended Credit Fraud Alert, which is not the same as Security Freeze. The title of the page I sent them in large bold print was " Security Freeze Request to Equifax. '' I had been the victim of identity fraud for which I had filed a Police Report ( XXXX XXXXXXXX XXXX ) in XXXX County last year, which should allow me to receive free security freezes and free temporary security freeze lifts indefinitely. A copy of this Police Report as well as copies of my Driver 's License ( both sides ) and two utility bills were included in the envelope with the form requesting the Security Freeze. With this documentation and the specific titled page requesting Security Freeze there was no uncertainty that I wanted a Security Freeze and not an extended fraud alert. The form requesting the Security Freeze was completed by me and included my name, address, social security number, and birthdate. I also added to it that there was a copy of the police identity theft report, the number of that report, and my phone number. 

I called them today between XXXX and XXXX XXXX and I can not talk to a person until Monday. They should have 24/7 telephone support after their irresponsibility and negligence. And their arrogance in not honoring my Security Freeze request is unacceptable. This company should be fined billions of dollars and told they can no longer function in this segment of business. Diversify into something else or die as a company. 

I do not want to take the so-called free Security Freeze they offer on the phone because they imply after XX/XX/XXXX that state fees would then apply to the their free version of a security freeze. I do no want pay {$10.00} every time I suspend and every time I reinstate the security freeze. 

This company should not get away with their behavior in my case, nor avoid harsh financial and legally restrictive repercussions on the federal level.
Complaint XXXX : XXXX, Chase Bank, and XXXX Bank Credit Card Solicitation PracticesBait and Switch Fraud! 

On XXXX XXXX, 2015 ; I signed up for a credit card on XXXX. I was enticed by the offer that I saw, which was " 12 months no interest ''. Unfortunately, I would soon realize, I did not receive this offer. 

In XXXX of 2015 ; I received a credit card statement and to my surprise, I was being charged interest on a purchase that was supposed to be 12 months no interest. 

I immediately called XXXX to rectify this issue. I was only on the phone with XXXX for a few minutes when a representative told me the credit card that I have is through Chase and XXXX does n't handle credit card inquiries. With that information, I contacted Chase, it was during that conversation that I was awoken to the fact that I had signed up for the XXXX Awards credit card through Chase and not the XXXX XXXX XXXX. Furthermore, I was told by the Chase representative that Chase did not offer the 12 months no interest and that interest was effective immediately at 19.24 %. 

Below is a side-by-side comparison of the XXXX XXXX credit cards, XXXX offered through Chase Bank, the other through XXXX Bank. Can you tell which one is which? How about while seeing the XXXX offering 12 months no interest first and then the one not offering any incentive during the checkout process? Why is XXXX soliciting multiple credit cards at the same time? I ca n't ever recall another store with similar practices, can you? ( Images would not load on this page XXXX The answer is pretty clear. XXXX is " Baiting '' consumers with the XXXX XXXX XXXX 's 12 months no interest and " Switching '' the credit card sign-up page to XXXX Rewards, with no benefits and high interest rates. It 's inconceivable that XXXX, Chase Bank, and XXXX Bank have partnered up to blatantly defraud customers. 

The resolution that I am seeking is to receive the terms that I signed up for, or would have, if XXXX had n't switched the offer. 12 months no interest and credit of the interest that I 've already paid.
In XXXX of XXXX, I received a bill from XXXX or XXXX XXXX XXXX XXXX. It was for an emergency room visit in XX/XX/XXXX of {$1800.00}. I began to make payments in XXXX of XXXX. I worked out a payment plan of {$75.00} a month. I made four payments totaling {$300.00} from XXXX to XXXX. I found out that I was covered during the period of XX/XX/XXXX. It was suggested to get an eligibility letter for the period I was covered. I faxed in the eligibility letter and they said my bill was satisfied. I called on XX/XX/XXXX and they said, they were not sure when the refund would go out. Called XX/XX/XXXX at XXXX. They said, they had submitted the refund on XX/XX/XXXX and told them I had not received it and they said they would resubmit the check and I should call back in the early part of XXXX. I called back on XX/XX/XXXX and this time they said it would take thirty days and to call back in XXXX. I didnt receive the check and, so I called on XX/XX/XXXX at XXXX. They said they had mailed it out, and the check number was XXXX. I told them I didnt receive it and they said to call back tomorrow and that a supervisor would look into the checks whereabouts. I called XX/XX/XXXX, they said it was mailed on XX/XX/XXXX. I called XX/XX/XXXX and I asked for a supervisor. I spoke with supervisor and she apologized for all of the confusion and she said she would find out what was going on with the check and would XXXX the check to me. I received the check, which happened to be check number XXXX and I deposited into my bank on XX/XX/XXXX. It was returned on XX/XX/XXXX. Not only was the check returned I now I have a return check fee. The bank enclosed a copy of the check and stated that the item was returned by said financial institution for the following reason : Refer to Maker. I wanted to wait to call about the returned check until I spoke with someone from this department.
I have 2 Accounts that have been paid off and they are showing derogatory on my credit and I will like them deleted for reporting incorrect information, XXXX XXXX XXXX and a XXXX XXXX account I need help in getting this updated or removed from my credit profile
I did a car title loan with Whilshire Credit, which I think is Westlake financial, each month they when I got the loan they paid off another loan telling me thjere loan was better well he lied it was much worse. Each moth they call me from XXXX companies but after 5 days I never receive a written notice. Even Though the money is coming out of my bank account. So every month I late, they call multiple members of my family harassing them and call me. They do n't bring my account current like they promised when I set up the authorization. Its bad enough that I have to pay {$9300.00} over 3 years but with them never bring my account current it will be much much more, They do not seem to be a very honest " company '' and it would be very hard to recommend them to any community!! As you see i have paid current but every month they cahrge me an extra {$70.00} and {$36.00}. They say every month they will fix it but never do so my balance never changes.
I need your help with XXXX, XXXX, Transunion that is reporting bankruptcies and other accounts that are not mine. Please have them to prove where I filed bankruptcy and opened these accounts. I would like for the incorrect information to be removed from my report immediately. 
1. Bankruptcy : Discharged CH-XXXX  XXXX  : XXXX-DSP-XX/XX/XXXX XXXX  : XXXX   Transunion : XXXX.

2.XXXX XXXX XXXX : XXXX XXXX : XXXX   Transunion : XXXX.

3.XXXX XXXX XXXX  : XXXX Transunion : XXXX.

4.XXXX XXXX XXXX XXXX : XXXX 5.Bankruptcy : Discharged CH-XXXX   XXXX : XXXX-DSP-XX/XX/XXXX XXXX  : XXXX Transunion : XXXX.
I found out on XXXX that I had an outstanding bill of {$76.00}. I called XXXX, who had the debt originally and inquired about the bill. I had no idea I even had this debt. No phone call nothing. I paid the debt immediately. Once I paid it everything is closed. I saw that the collection agency XXXX uses is RPM collections. I called to inform them that they are reporting to Equifax a debt of {$150.00}. It was exactly double of the original bill. I called to ask about it. No one knows anything. XXXX says call XXXX and XXXX says to call XXXX. So far no one will help. They are still reporting that I owe this money. The debt of {$76.00} was paid on XX/XX/XXXX18. Immediately the {$76.00} came off the credit report. But it shows that XXXX is still reporting it only the amount is the {$150.00}. I've asked for them to please research but they say it's paid and nothing shows. When the customer service rep looks it up they have the wrong address attached to my name. Neither side have even attempted to help until I spoke to XXXX again on XX/XX/2018. They said that they would look into it and might call me in 2 days. I've heard nothing. I've called many times. Won't give me a letter of paid in full either so I could handle it myself.
On XXXX/XXXX/17 I mailed a certified letter ( USPS #  XXXX ) to Equifax requesting that they investigate inaccuracies on my credit report. My credit report is strewn with both incorrect and incomplete information that I detailed in my note. 

They had the gall to re-send me the same credit report that I was disputing with them dated XXXX/XXXX/2017. Not only did I identify blatant errors in my credit report for them to resolve, but they never conducted an investigation into the issues that were outlined in my letter. 

They failed me as a United States citizen and as a military veteran by not conducting a fair and reasonable investigation into my dispute.
My wife and I filed a application for mortgage modification XXXX  2017. I was a sent a letter requesting documentation ( please see attached ) I sent the requested information and was informed by Select Portfolio Servicing that no foreclosure proceeding would take place during the modification process. Approximately 2 weeks later we received a Act 91 notice of default and foreclosure. We have provided all the documentation requested as told to me. I have spoken with numerous people and each person request different information in different formats. One person recently informed me she did not know what a COLA ( cost of living increase adjustment ) from Social Security.
I am fully XXXX and live on a fixed income, my wife works and her aunt resides with us and pays us monthly rental income. We have every intention of remaining in our home and have no where else to go, our credit is poor and renting will cost us more than our mortgage each month.
I feel that SPS is stalling in order to foreclose and take our property. We have fallen behind on our mortgage due to numerous circumstances primarily my XXXX  and inability to work fulltime. I have since obtained XXXX and combined with my wife 's income can now manage our mortgage payments but need the arrearages modified over time. Please help me in getting this resolved.
partial acct # XXXX XXXX XXXX has not sent me proof within 30-45 days or an obligation of this alleged debt as requested by me and continues to report this derogatory information to XXXX, XXXX   and XXXX. XXXX XXXX had not communicated with me through phone nor have I seen any letter concerning this so called debt at any time before this deorogatory informaton appeared on my credit reports. This is creating problems for me relating to higher interest rates and lowering my credit score. I disputed this account in XX/XX/XXXX on or around the XX/XX/XXXX and in XX/XX/XXXX on or around the XX/XX/XXXX to all 3 bureaus with no verification or validation in the form of a contract or documents with my signature on it from XXXX XXXX. Proof I have sent letters with tracking receipts will be attached. 

The only correspondence that I received from XXXX XXXX was information about an opening date and a billing statement and a balance {$520.00} which could not belong to me. This does not qualify as full verification per FCRA. They continue to ignore my request for contracts and signatures as proof concerning this account that is reporting to my credit report. 

XXXX XXXX continues saying everything was verified. To date XXXX XXXX continues to not verify this so called debt. Under the Fair Debt Credit Reporting Act I have the right to demand this information for the account being reported on my credit report. 

XXXX XXXX is in violation for continuing to verify accounts with the credit bureaus without providing requested evidence. I believe XXXX XXXX does not have these documents or they would have produced them in the past 60 days. I believe they are blatantly breaking the law. For this reason I demand all derogatory information from XXXX XXXX to be removed and deleted and never to appear again on my credit report with all 3 major credit bureaus.
My student loans went into repayment XX/XX/XXXX with XXXX   servicer Nelnet. Ever since I have received informational emails from them alerting me to the fact that my payment due date is approaching. These emails should be helpful, but they are not simply because they are frequently inaccurate both with regard to the due date as well as with regard to the payment amount. Often, the payment amount required is higher than what was quoted in the informational email. This makes it terribly difficult to correctly budget my still limited income. A few examples are as noted below. Note for CFPB. I have original copies of all communication available for your review should you want them. For simplicity, I am quoting the notes. Example 1 Email received XX/XX/XXXX, with email ID XXXX " This is a reminder that your student loan payment is due tomorrow, XX/XX/XXXX, in the amount of {$57.00} '' The actual due date was XX/XX/XXXXExample 2 Email received XX/XX/XXXX, with email ID XXXX " Your Payment Information Account : XXXX  Due Date : XX/XX/XXXX Amount Due : {$96.00} '' The actual payment amount due was {$290.00} Example 3 Email receivedXX/XX/XXXX, with email ID XXXX " Your Payment Information Account : XXXX Due Date : XX/XX/XXXX Amount Due : {$130.00} '' Upon logging into the Nelnet website, I see that the due date is actually XX/XX/XXXX and the amount due is not {$130.00}, but {$230.00}.
I was charged a late fee of {$22.00} from Quicken Loans because I made my payment late by 31 minutes. I contacted Quicken Loans about removing the late fee as I made it on the last date of my grace period, and they refused to remove the late payment. I then asked them to send me confirmation of my payment being late, and they also refused to send me that. I feel it is pretty rotten of a company to charge me a late fee of {$22.00} and then not even bother to send me documentation that the payment was late.
LAW OFFICES OF LES ZIEVE contacted me in XXXX of XXXX stating it was a debt collector who was attempting to collect a debt. The documentation ZIEVE sent by mail ( see attachment ) clearly indicates it is a debt collector attempting to collect a debt. 
Require ZIEVE to describe the debt that it was attempting to collect, i.e. : line of credit, conventional loan or other. If ZIEVE was not collecting a debt, explain why it 's document states otherwise and to state for the record that it was not attempting to collect a debt as it 's document leads consumers to believe. 

I have sent a previous complaint to ZIEVE in which it 's agency has given a general statement and has failed to answer if it was or was not a debt collector involving the attachment it sent. 

I am not a party to a lawsuit and request that the complaint is posted for public viewing.
XXXX credit report shows revolving credit account open with a balance in my name that is not mine.
I sent letters via certified mail to all three credit bureaus requesting validation for a XXXX XXXX/XXXX account. Per the certified mail receipts these letters were received by the bureaus on XX/XX/18 and XX/XX/18. No proof of validation was ever sent to me however all three bureaus updated my credit reports stating that the debt was valid. According to the FCRA they should have sent proof that the debt was valid within 30 days of the receipt of my request for validation in order to report the debt as valid.
I filed a complaint to CFPB about  US Bank a nd without any proof provided by company ( records, bills any proof ) you closed account agreeing with Bank while not basing your closing on any evidence which I alone provided. The company lied as proved by my attachment which showed that account was n't closed and still listed as open with credit available to this day. This immoral acts done against consumers always happen wh en GOP in  power. It 's too bad that the CFPB has been housed with people who do n't believe consumers should have any power versus banks.
On XX/XX/XXXX I opened an account with Barclay 's Bank Delaware and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report XXXX, XXXX, XXXX, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from my credit report.
This complaint is against XXXX and Equifax credit reporting agencies. After obtaining my credit report and reviewing the information, I noticed that on my XXXX and Equifax credit report they are both reporting public records of tax liens which should be a violation. As of XXXX XXXX, 2017, tax liens and judgements were no longer suppose to be reported. Considering that this information is no longer suppose to be included on my credit report I ask that this information be deleted in which it has yet to be deleted and is still showing up on my credit report.
Seneca has erroneously begun evaluating my mortgage for PMI cancellation, which I did not request. 

This is a problem because it leaves me exposed to subsequent illegal fees ranging anywhere from {$12.00} to {$1200.00} for BPO, appraisals, inspections, etc. according to the fee schedule on my mortgage statement ( Exhibit A, Page XXXX ). 

On XXXX/XXXX/2016 I sent a " secured message '' via Seneca 's website ( Exhibit B ) requesting that they re-analyze my escrow ( and lower my payment ) since their latest escrow analysis failed to take into account that PMI will terminate automatically in XXXX since my loan will have reached 78 %. Please see the attached screenshot of my account from Seneca 's website to verify the date of automatic termination ( Exhibit C ). 

On XXXX/XXXX/2016 Seneca posted a " Letter '' to my online account on their website informing me of the erroneous evaluation ( Exhibit D ). 

It is worth reminding that PMI cancellation and termination are not the same thing and that PMI termination happens automatically, without fees, and without any sort of evaluation, which is precisely why I opted to not request PMI cancellation and instead let it terminate automatically XX/XX/XXXX.