WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  by   XXXX   XXXX   provides a shopping venue for hundreds of vendors including  XXXX ,   XXXX   XXXX  ,  XXXX ,  XXXX , etc. When you make purchase through the website, the vendor provides a cash-back to  XXXX  college savings account. In addition, there is a 1 % cash back from the Barclay credit card and a 4 % cash back from  XXXX  into the college savings account when you pay for your purchase with a Barclay Upromise credit card.
  XXXX   XXXX   XXXX    provides a 2 % cash back on rentals purchased through the   XXXX   website. This past  XXXX , I arranged for three separate car rentals from  XXXX  at three separate times through the  XXXX  website link for a total coast of {$1300.00}. I completed the three rental purchases and paid with a Barclay  XXXX  credit card.
The first reservation was made on  XXXX   XXXX , 2017 for a rental beginning   XXXX    XXXX , 2017 for {$970.00}. The second reservation was made on the same day for a rental beginning   XXXX    XXXX  for {$290.00}. The third reservation was made on  XXXX   XXXX , 2017 for that day for a cost of {$73.00}. All of the reservations were made through the  XXXX  link.
I did not received my 2 % cash back from  XXXX  and submitted an inquiry through  XXXX .  XXXX  responded that  XXXX  stated that I " clicked on a banner ad which rerouted and completed the transaction on the merchant website instead of the  XXXX  site. '' When I asked fro specific details about this banner, I was told " your last click was not through   XXXX   ''. No explanation was provided about the specifics of this ad banner, the mystery click, and how I was transferred to the   XXXX   website from the   XXXX    website. I am attaching the emails related to my inquires and the  XXXX  responses.
As a result of this claim that I transferred out of the  XXXX  site,   XXXX   will not pay the 2 % cash back and  XXXX  will not pay the 4 % cash back. Barclay has paid the 1 % cash back.
I am a victim of identity theft and someone stole and used my Bank of America Checking Account : XXXX, Money Market Rewards Savings Account Ending In : XXXX and numerous debit cards linked to the checking account, from XX/XX/XXXX through XX/XX/XXXX to make fraudulent and unauthorized transactions on my checking account. Over {$30000.00} in fraudulent transactions has been made to my checking account. {$30000.00} was debited from checking account and my checking account was closed unbeknownst to me.
It started with being approved through Road Loans/Santander Consumer for a the purchase of vehicle. I was referred to XXXX XXXX XXXX in XXXX XXXX, CA. I was quoted and told I was approved for a loan, with a certain interest rate, monthly payment and no down payment. I signed the contract and left with the XXXX Mazda. I was called the next day saying my loan was n't approved and they had a new contract. the interest rate was higher as was my monthly payment. I was also told I had to come up with a {$1000.00} downpayment that I had n't needed to before. From the start everything was wrong, my first payment was n't supposed to be due until XX/XX/XXXX and by XX/XX/XXXX I was fighting with them as to not applying my payments correctly. I receive multiple calls throughout the day and you can never reach the same person twice. They wo n't respond via email for documentation either. Well, finally in the Spring of this year, I was told I was assigned an account manager, XXXX. I explained everything that has gone on, with the payment due date and being told that I could move a payment to end of the loan. He said eh would have 2 payments moved to the end of my loan and told me that as long as I made at least the minimum of {$180.00} monthly I would remain current. Then it all started again a month ago, tell me I 'm over 60 days behind, they are misreporting to the credit bureaus too. I ca n't ever reach my supposed account manager, no one I ever speak to seems to document the conversation. They are unwilling to review to lower my interest rate or working with me. I am working in cleaning up my other financial issues since I filed bankruptcy last year and I ca n't get a refi with a legitimate lender until I can clear up the other issues. I simply want them to honor was I told, about moving the two payments to the end of my loan and properly applying the payments received. if this is done, I will be current. After much research, I see that Santander has several complaints for similar issues. I wish I had never been in a position to have to do business with them!
They called me 5 times in a single day as a payment reminder without leaving a single message to explain who they were.
I have disputed the XXXX XXXX & XXXX ( XXXX Apartments ) accounts with Experian and they have continued to say they verified the account and im like I have no idea how they could have through a XXXX system that lacks integrity. Anyone can verify a name and address but that does n't make the account mine at all. I even sent in my Identity Theft Affidavit for the accounts to be deleted within 5 business days and that has not taken place. According to the FCRA 609 it requires for them to verify it physically and I have wasted money on certified letters for them to send me a generic response. I have started the legal proceedings to seek my monetary damages but I 'm going to give them another chance to verify this account fully. I have disputed this account over 3 times certified mail and I still get a template answer.
I received a pre-approved letter from Best_Egg with an offer code. The letter has not date but has a  Respond  by  XXXX   XXXX ,  2017  date.. The letter reads You 're pre-approved for up to {$50000.00}. I applied online for {$40000.00} with the offer code and was denied based on various factors.     How can companies such as Best Egg be allowed to mail pre-approved letters, accumulate consumer information through the application process, and then deny them? It would seem to me that they are building an information database.
I am reaching out with some issues I have been unsuccessful with resolving from the creditor. I had some financial issues and fell short on paying my credit card bill. I contacted  XXXX  and a representative from the office told me to make my {$37.00} minimum payment in  XXXX  so that the account would n't charge off. I made that payment and have proof. I received a bill in the mail and on the bill it stated that I could call in to get a settlement or set arrangements to pay the balance. I first logged on to  XXXX  to make a payment and was unable to log in to make a payment. I contacted the company to make a payment as well as arrangements so that my account would n't charge off and they said they could n't access my account and that i needed to be sent to another department. The other department gave me the runarounds. No one was able to take my payment, unable to grant access online.  XXXX  came and they tell me my account is charged off because I have n't made a payment in 5 months which clearly I made the minimum in  XXXX . I was unable to pay by phone or my usual route online. The rep stated if I sent payment by mail it would be sent back. Today  XXXX / XXXX /   17  I called and come to find out the website is now updated to  XXXX . The whole time this was changed and no one informed to tell me so that my payment could get charged off. This has a negative affect on my credit. I have contacted the company they gave me the settlement amount and will not take out of charged off status because of there wrong doing. I am reaching out before for help before I look into litigation. I want to make my payment and I want this account to either be taken out of charge off status or removed from my credit for there wrong doing.
Im the victim of identity theft. I purchased a credit card with Navy Federal Credit Union in XX/XX/2015 and made on time payments through XX/XX/XXXX. In XX/XX/XXXX my wallet was stolen at the XXXX XXXX bus terminal where my valuable items were inside ( Social, debit card, credit card, ID ). I was on my way to an interview when this happened.
I tried to work with Citimortgage to resolve an issue resulting from a second mortgage that they took foreclosure action on in XXXX. The timing of this action falls under the Cease and Desist order as well as the Consent Judgment filed against them and other lenders, in or around XXXX by the US Government. According to the Order and Judgment, Citimortgage is obligated to work directly with me if I have an issue with their third-party agent, in this case XXXX XXXX XXXX, a law firm. After speaking with Citimortgage representatives several times during XXXX, they told me that the third party refuses to release the file back to them and they can not do anything about it. However, they are under order to bring back files from third parties if consumers are having issues with them, which I am having. In addition, my original issue needs to be resolved directly with Citimortgage. That issue is I should have been offered remedies under the Order and Judgment but was denied access to these remedies by the third party. Please see attached documents regarding the fake mediation and judgment the third party coerced me into and their continued unfair actions against me in light of the Order and Judgment.
Equifax was hacked and it appears that my data was stolen from their site. they said I could sign up for the TrustedID program I followed all the rules and signed up but after 2 weeks of trying to get into their web site I still have not been able to log in and see what if anything has happened with my data. I tried customer support but the wait times are way too long.
The XXXX XXXX loan ( 01-01 Stafford Subsidized ) that was taken over by Navient in XX/XX/XXXX is paid off in full as agreed as of XX/XX/XXXX. I have proof from them that shows they collected and applied my on-time monthly payments to that account until it showed a XXXX balance. When they took over my loan balance was {$1900.00}. In XX/XX/XXXX I received a notice ( only one ) regarding a default and collection action. I disputed this. I don't know if they are trying to collect the original {$3500.00} ( - the $ 1900+ paid ) or what. I can't get a straight answer or proper proof of default. Navient did not send any correspondence in regards to payment amount changes or monthly balance statements. Nor was I notified of any default or intent to sell this loan to a " servicer/collection agency ''. Nearly 2 years ( XX/XX/XXXX postmark ) after supposed default and loan transfer did I receive a notice that there was a possible default via an intent to collect notice from XXXX XXXX XXXX. After I disputed this I received a response from XXXX XXXX with a copy of my old promissory note, the original amount {$3500.00} with {$1300.00} principal remaining and the last payment date of XX/XX/XXXX( XX/XX/XXXXpayment ). As of XX/XX/XXXX Navient shows the balance of this loan being XXXX after myXX/XX/XXXX payment of {$150.00}. I went to the website provided in the XXXX XXXX letter that led me to the XXXX XXXX XXXX XXXX site. At the end of XX/XX/XXXX I received a notice from XXXX XXXX XXXX regarding intent to garnish wages. I sent a response to this again disputing a balance and requested all collection actions and harassment cease immediately. As you can see there are 4 different entities ( not including XXXX XXXX  and Navient ) involved here making things very difficult, frustrating and costly both financially and emotionally. I do not run from my responsibilities. That being said I reiterate my earlier statement that this loan, as far as I can see from the proof that I have, is PAID IN FULL as agreed and was never in arrears. Please, I beg of you, help me with this.
When making payments above the minimum amount due, this company does not automatically apply those funds towards the principal. It is instead held back and given as a credit on the next payment. This company wrongly collects interest on the portion of the loan that should have been paid down on the principal by with holding the funds instead of applying them to the principal. 

Also, while trying to apply a payment through their website, regardless of the browser used, and even by following their directions to allow 3rd party cookies, the website will not allow you to make a payment. You either have to send in a check, or call their automated service, which results in a fee.
I have tried unsuccessfully to do a home mortgage modification with Green Tree Servicing. I have submitted all the documentation multiple times and confirmed that the documentation was successfully submitted only to have the company come back and say that they closed the loan application because of lack of documentation. In the last instance, they contacted me and I requested my representative to contact me as she already confirmed that she received everything. In XXXX weeks and XXXX messages later, I still have not gotten a callback and I found out that she closed the file again. This seems systematic or just general incompetence.
Doctor performed and billed me for unnapproved and unwanted lab work after I was told by him basic lab work would be done at a cost of XXXX dollars. I did not approve any of the lab work I was charged for. I was told only basic labs were being done and told the cost would be XXXX dollars. I was then billed for XXXX dollars.
I currently have an auto loan with Wells Fargo Dealer services. Myself and my husband are on the loan. They have two phone numbers for us XXXX and XXXX. We have repeatedly told them to only contact us at the XXXX and not the XXXX number. My husband has a dangerous job and is not allowed to have unexpected phone calls while working at that number. I have called them several times and asked them why they keep calling that number. They tell me " I do not know why it says do not call next to the number. '' We have been telling them for months to stop calling that number. The last time I told them to stop calling that number was on XX/XX/XXXX they called the number again on XX/XX/XXXX. I have now informed them to only communicate through mail.
This is a follow up to compaint nbr XXXX posted on same site. While JPM has contacted me twice during this week, they are now stating that my loan is a conventional loan. <P/>However, JPM representative assigned to the case, XXXX XXXX who is acting as a liaison between the mortgage unit manager and myself, does not know exactly what transpired at the time. She was trying to get information as to how I came about the rate and the loan application. It is obvious to me that the purpose of obtaining that information from me is so that they can formulate their argument/excuse as to why I received the incorrect interest rate. <P/>Furthermore, I requested that JPM post her communications thru this site and she confirmed that indeed all our communications were posted here. However, I do n't see any posted on the CFPB portal. <P/>I restate that JPM after confirming that they indeed granted me a Harp loan, they did n't honor the available rates at the time which were below 4 %. Back in 2011, JPM insisted that the only rate I qualified for was 5 % and only if I increased the term of the loan. The effect of the change did decrease my monthly ; however, it increased my overall amount when i had excellent credit. I had at the time 2 mortgages and even under the worst personal financial difficulties, I never defaulted on any of my mortgage payments. As mentioned before, I do believe that JPM incorrectly granted me a high interest rate because they were reporting I owed them money on a credit charge, JPM made a mistake of sending out after they indicated that I had not been approved for such credit. XXXX paid off the vendor and JPM did n't want to hear about it. The other possible reason why jPM gave that outrageous plan is because the building under which I had the other mortgage for an apartment I own, had the land and property titles under my apartment. JPM was holding the master loan and they knew the building was in trouble. However, neither the credit card issue and much less the separate mortgage under the apartment needed to be considered in JPM analyst/evaluation of my credit worthiness. It seems to me that JPM actions were discriminatory and unfair business practice.
XXXX account was paidin full with call ctr on XXXX XXXX, 2012 company reported as unpaid and in collection. I have copy of payment taken from my credit card.
EQUIFAX insist on reporting Public Record on credit files. FAIR CREDIT REPORTING AGENCY STATED THAT THIS PUBLIC RECORD WAS TO BE REMOVED IN XX/XX/2016. CONTINUED TO DISPUTE HARD INQUIRIES. LETTERS SENT TO CREDITOR STATING I DID NOT AUTHORIZE CREDITORS TO INQUIRE INTO MY CREDIT.
I have come to understand that this company is not licenesed to make loans in the state of North Carolina. I am also under the impression that the interest rate that I am being charged is illegal under North Carolina usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that. I have been paying {$110.00} a month since XX/XX/XXXX on a {$300.00} loan. I would consider this paid in full plus reasonable interest. Thanks.
XX/XX/18 I was charged a {$33.00} stop payment fee that I attempted to process in my account online. I was attempting to stop a recurring preauthorized fee from coming out of my checking account by XXXX XXXX   XXXX. I was told there was an error on my behalf with attempting to do this online in my account. 

The bottom line is the stop payment did not process and the funds came out anyway. My issue is I was told by the bank though the stop payment was not done I had to pay {$33.00} for just going onto the web site within PNC. 

Who has money to give a bank to pay for something not done. 
PNC XXXX Account # XXXX
I used my American Express card to book a hotel using the XXXX travel site. 
Immediately after booking found out it was the wrong hotel. I immediately contacted XXXX. They came back a little later and said the hotel was not answering their phones. XXXX refused to refund the over {$200.00} charge for a hotel room that I did not use. American Express apparently is siding with XXXX. I will never use XXXX again.
I booked a flight on XXXX. After I put in all my information, a window came up offering me XXXX bonus miles after qualifying purchases. I applied for the card based upon their offer SPECIFICALLY to me. I complied with their qualifying purchases. I did not receive the bonus miles as they have a policy of not rewarding cardholders who opened or closed an account within 24 months. I do not remember reading such a qualification when I applied for the card or I certainly would not have completed the process. IF such a qualification appeared at all, it was not prominently displayed as was their offer. Citi is linked to XXXX as every time I make a purchase with Citi my mileage account at XXXX is credited. They should not make such a bold offer to me after I enter all my contact info if I do not qualify for the offer!
Unauthorized Credit Inquiry : XX/XX/2017 XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
In late XX/XX/XXXXI was laid off and that carried over into XXXX. Laid off for the first time in my 12yr+ working career. I was struggling to make ends meat and to pay my bills on time. However, I call Navient and they basically said there was NOTHING they could do to assist me and that I should just continue to pay my bills on time. This did NOT sit well w/me as I struggled around the holiday time. <P/>Well, now I would LOVE to have my interest rate lowered for my current student loans, forgiven, or refinanced. That is my end goal here. I owe approximately $ XXXX and my projected payoff year is XXXX. I have called about this and Navient does n't seem to care or even willing to help instead they respond to me by telling me my next due date. <P/>Thanks!
harassment calls at place of employment. Collector must contact me on my main phone line which was provided.
I have several open/active credit accounts with Synchrony Bank and they are paid on time with no account behind or delinquent. I continue to receive phone calls from Synchrony Bank from their collection department despite this. I received a call on XX/XX/XXXX before XXXX which woke me and I was sick that day. Then, I received a phone call on XX/XX/XXXX which was a Sunday afternoon. Each time I was not able to answer when they called, so I called back and it was the collection department. When I inquired as to why they phoned me, they checked my accounts and could not provide an explanation because all of my accounts are in good standing. On XX/XX/XXXX, I spoke to a supervisor ( XXXX -- Collections Account Mgr ) to file a complaint and let them know this is harassment. She assured me that it would not happen again and now it has again in XXXX. 

After theXX/XX/XXXXcall, I noticed that I also had to put my telephone number back into all of my accounts when I went online to pay. This is harassment pure and simple and against the law. 

Please note : InXX/XX/XXXX I had to file XXXX XXXX Bankruptcy. I had several accounts with Synchrony Bank that were involved in this bankruptcy and they can not collect that debt. The new accounts I have are for the purpose of rebuilding my credit. On XX/XX/XXXX, I was informed that maybe I am a secondary on an account or someone used my social security number to open an account. I informed them that they should be able to see if something like this is the case and should transfer me to the fraud department. They are calling with no explanation and engaging in unfair debt collection practices for a debt not owed. 

The number the calls are coming from is XXXX and it is the Collections department.
During the perioid of XX/XX/XXXX to XX/XX/XXXX I was going through hardship being a single mom, trying to further my education plus being on the system. I struggle a lot with XXXX. I applied to have to loans payment reduce or pause until I was able to pay all bills on time. To my knowledge this was done. Finally 2-3 years later I am able to start paying some amount which is at a fixed rate, but what was not disclose to me is that XXXX XXXX or Navient report me last 90-120 days on my credit report. I barely have money, now I barely have credit!!! Also a victim of Identity Theft I been fighting now over a year to have my credit fix. I been fighting with the bureaus and now Navient that I was never late paying my loan, I filed the correct payment hardship so I would not be penalize for my struggle. I have gotten no where with the credit bureaus and also Naveint. This have place such a depress tole on my life I am thinking of filing bankrupt just to get some ease. I wish to just have the late payment marks on my credit report remove and the correct payment history I reported. I am not running for what I owe I will always repay any help from my Lovely Country but this is not fair.
I disputed the debt in collection with XXXX XXXX in the amount of {$970.00}. According to the debt collector XXXX XXXX the debt was charged off in XX/XX/XXXX.  According to XXXX XXXX the account was closed on XX/XX/XXXX- to which I had a XXXX past due balance. Im currently disputing the debt and have been in contact with the debt collector due to inaccurate dates and amount owed and they refuse to accept my dispute/claim. I believe this debt collector is reporting inaccurate and outdated information.