AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Fredrick J Hanna, with out insuring that I knew the court date went in to court in XXXX and claimed that he was suing me for XXXX XXXX Bank but instead of forwarding the Check to XXXX XXXX Bank deposited it in his account, Copy of the check attached. I have been trying for 7 months to get a signed receipt from Fredrick J Hanna showing where these proceed were credited to a XXXX XXXX Bank account that was in my name, Both Fredrick J. Hanna and XXXX XXXX Bank refuse to send me the requested signed receipt Via email showing where the proceed from the suit were credited to a XXXX XXXX Bank account in my name. Fredrick J Hanna and XXXX XXXX Bank refuse to tell me why I was n't given a receipt for these Proceeds. I request that CFBP forward this complaint to some place that will encourage Fredrick J Hanna and XXXX XXXX Bank to forward my request to my via email ASAP I want to report this when I file my 2015 income Tax. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: VA Loan for Veteran. Mortgage loan application was submitted for credit approval only on XXXX XXXX. We asked the branch manager to submit the file to underwriting as we knew we were going to have a 30 day closing. We provided all income/assets/credit documentation. Including my XXXX form, my parole in place, Social security card. We found a house XXXX XXXX, I asked the Loan officer to please submit my application and provide the disclosures needed to start the process, the day I found out they never submitted the loan for underwriting approval, I requested for my information to be submitted as soon as possible. on XXXX XXXX I was told the only items needed for final approval/clear to close was the appraisal report and the termite report, they both came in the same day. on XXXX XXXX the processor called saying they needed a copy of my XXXX, I told her that my legal status did n't required a visa. provided the documentation my attorney gave me and asked for them to call XXXX, I was told VA had this requirement. I called VA in AZ who handles CA VA Loan approval. I was told that was n't true,, the underwriting representative told me that VA only requires for the spouses income to be stable, that VA loan was mean to help the veteran. I spoke with the branch manager and loan processing manager, I was told by them that it was a Navy Fed Credit Union. They had my file for over 40 days, my rate was locked and now I 'm they denied my loan since I cant provide this " XXXX '' that I do n't have. XXXX asked me to ask them to call them to verify the information, they would n't do anything extra to help. I feel they waste all of this time, lowered my fico score from running it so many times and now I have to look for a new lender pay a higher interest rate and fees. Should n't they have checked this before? my loan application clearly disclosed this information, I provided copies of all these docs. I asked multiple times if they needed anything else from me. 

Can you provide give us some advice? This seems very unfair for a applicant and up to a certain point discriminatory as I 'm allow to work in the USA, I have since I was XXXX I 'm now XXXX the close of escrow is XXXX - this house was the perfect house for my husband who is XXXX, the owner had already set up the house for a XXXX person. We do n't want to lose this house. 


any help will be appreciated Thank you XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 my identity was stolen & several charge cards were opened in my name. This person also went to my bank on XXXX/XXXX/15 in attempt to withdraw funds from all of my accounts. Luckily a wish bank teller refused & called me. On XXXX/XXXX/15 I called Macy 's ( they were listed as XXXX of the fraudulent accounts ) to say that the account was opened fraudulently. I was told that the card had not been used yet & they closed the acct. In XXXX XXXX I received a Macy 's bill for {$1300.00}. I called Macy 's again & was told that the card had been charged on XXXX but a processing delay meant that the rep had n't seen it when I called. They said they 'd send me the fraud claims forms & they did ... 2 MONTHS LATER. I submitted my Identity Fraud Affidavit, Police report, proof that I was at work XXXX miles away that day, & proof of identity. I waited a month & called Macy 's to check on my status ... they claimed that they never received my proof, that is until I showed that I sent it via certified mail. I was told that they 'd " expedite '' my claim ... I called in XXXX XXXX ; nothing had been done. Macy 's reported the account as delinquent & my credit was suffering. They told me that I could do nothing about that but promised to " expedite '' my claim ( again ) ... nothing happened. I called in XXXX, same thing. This time they PROMISED that my claim was being " expedited '' for real this time. In the meantime, Macy 's is still reporting the account as delinquent. I called today & requested an update on the account as well as their address to their legal department as I was going to have an attorney send a Letter to Compel. They refused to give me the info. I was put on hold three times, each for about 45 minutes before the line was disconnected. 

My rights as an identity theft victim have been violated by Macy 's reporting the account as delinquent while it is under investigation. I also feel that they are stonewalling the process my taking 8 months to investigate my claim. I have always been willing to provide more proof if needed. I feel that the fact that my bank alerted me and can verify that this person has a fake ID under my name ( XXXX misspelled ) ; that my work requires us to use a fingerprint to clock in ; that I have a police report ; and that I called Macy 's to report it as fraudulent before they knew the card had been used should be sufficient. Their refusal to provide me with the legal departments address is sleezy at best. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX XXXX, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account PROFESSIONAL ACCOUNT MGM via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PROFESSIONAL ACCOUNT MGM ( XXXX XXXX XXXX XXXX, WI XXXX ). 
On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, Georgia, ( XXXX XXXX XXXX, Clerk Superior, State and Juvenile Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX. XXXX XXXX, XXXX, TX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PROFESSIONAL ACCOUNT MGM ( XXXX XXXX XXXX XXXX, WI XXXX ). 

On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing PROFESSIONAL ACCOUNT MGM the following : I do n't know anything about this debt please send to the Original Creditor. 
As Resolution of this complaint, I ask that PROFESSIONAL ACCOUNT MGM stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I got sick and could not work for 6 months. Wells Fargo would not work with me. They had XXXX their " Home Preservationist Specialists '' work with me. In the meantime, I was back to work and paying them XXXX $ payment, which is XXXX more a month than my payments were. Also paid them every 2 weeks. So, XXXX $ a month.They sent my checks/payments back into my account. I was told all kind of rhetoric by Wells Fargo. They wanted full payment of XXXX XXXX They were not satisfied with XXXX every 2 weeks. What was I supposed to live on if I sent them payment in full? They did n't care. Then they repossessed my house. Now, they are going to kick me out, along with my son. This company is so unfair. Even when I was able to make my payments on time, I paid them extra every month so I would be able to pay the loan out faster. They did n't care about that either. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My bank account was charged XXXX overdraft fees when only one should have been charged. XXXX payments posted to the account on XXXX/XXXX/15. These were for {$94.00}, {$17.00}, and {$10.00}. However, Suntrust posted the largest payment first causing the account to go to - {$1.00}, and then proceeded to post the other XXXX payments. Because of this, XXXX overdraft fees were changed. If the smaller payments would have been posted first, only XXXX overdraft fee would have been charged. When contacted on XXXX and XXXX, the XXXX of the XXXX stated that it was there policy to post the largest payment first, even though it may cause extra overdraft fees to be charged. Additionally, they said it was their policy to only refund XXXX overdraft fee, which they did. This is an abusive policy that is only in place to inflect the maximum number of overdraft fees. They said it was so the most important thing will be paid, but if that was the case, the other items should not have been paid because the account was overdrawn. Suntrust should not be allowed to have a policy that is only in place to cause a significant number of overdraft fees when an account goes into the negative. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received 8 calls in the today since XXXX XXXX and it is now XXXX XXXX. this is absolutely uncalled for. I already told them I would make the payment Friday and they advised they do n't do promise to pay. why would you call me 8 times in the matter of 8 hrs. to hear the same thing I have told XXXX reps. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To Whom It May Concern : I applied for a " Bluebird '' Walmart Credit card because the XXXX website offered more points on their Savings Catcher program if you converted the points onto this card. A couple of months ago, I was having some Fraud issues with my checking account, making it difficult to keep up with the payments on this Credit card. They allowed me to charge over my credit Limit. I called the bank for this Credit Card, Synchrony Bank on XXXX/XXXX/2016. I told them I would pay {$130.00} on XXXX/XXXX/2016. They told me that this payment would bring my account into a " Good Standing '' status ; however, the XXXX, 2016 statement shows ONLY a {$60.00} payment on XXXX/XXXX/16, 2 days AFTER I had made the payment on XXXX/XXXX/16 of {$130.00}! When I called Walmart Credit card Dept XXXX on XXXX XXXX/XXXX/16, I was told that the account was CLOSED due to having been over the credit limit AND past due (? ) My payment of {$130.00} brought the Balance back BELOW the Credit limit, and, per Synchrony Bank would bring me OUT of a Past Due status. 
Sincerely, XXXX XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This account should not be as much as it is and I do n't recognize this amount as being true 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Somebody put in a fraud alert on me. We are buying a home and the lender just called me and asked me if I did it. I 'm sure it was a collection company out of Florida that did it to muddy up my loan! 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I can not get my escrow account with CitiMortgage corrected due to tax refund discrepancies. I have been overcharged for my taxes and XXXX County tax commissioner 's office resolved the issue, but I can not get it corrected with my mortgage company. My XXXX exemption with XXXX County Tax Commissioner 's office was reinstated to my property in XXXX XXXX. My homestead exemption was removed from my property for the years of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX was the specialist that handled the reinstatement of my homestead exemption with XXXX County Tax Commissioner office. Her contact information is XXXX. The XXXX County Tax Commissioner 's office stated that they mailed refund checks because with my homestead reapplied to my property, my taxes were lower. The County Tax office stated they mailed XXXX checks to my mortgage company - CitiMortgage -- in the amounts of - {$280.00} ( check # XXXX ), {$13.00} ( check # XXXX ) and {$6000.00} ( check # XXXX ). These checks were mailed out on XXXX XXXX, XXXX. I have contacted my mortgage company several times and each time I was given a different amount on the tax refund the XXXX County Tax office sent to them. On XXXX XXXX, XXXX, I received a letter from CitiMortgage stating that the tax office will be sending them refund checks in the amount of {$41.00} from XXXX County over payment and {$950.00} from XXXX XXXX/ XXXX over payment. Then on XXXX XXXX, XXXX, CitiMortgage sent me an escrow disclosure statement stating they received refund checks of {$3500.00} ( check # XXXX ) and {$13.00} from the tax office. The discrepancy between what the XXXX County Tax office refund amounts is said to be and what CitiMortgage say they actually received is very concerning to me. I can not get my escrow account with CitiMortgage properly settled because the tax office will not give me anything in writing of the refund amounts sent out on XXXX XXXX, XXXX and CitiMortgage stated it will take 30 to 90 days to investigate the refunds the tax office actually sent them. In the meantime, with all this confusion, I have to pay my mortgage that is over charging me for my escrow, when I was already overcharged for XX/XX/XXXX to XX/XX/XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There is being reported under public records that I have a open Judgment Case # XXXX, There is no account listed. 
I have been disputing this information with the credit bureau for numerous month now, By Mail and Phone. 

At this point Experian keeps telling me this has been verified when in fact its impossible that they verified the information, Well if they would verify the information then Experian would see this is wrong and has nothing with me. I have requested proof of verification from Experian which I was still not given and I am now waiting 3 months. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016 there was fraudulent activity on my Checking Account which is through US Bank. There were XXXX US Bank ATM withdrawals ( XXXX in XXXX XXXX, XXXX for {$500.00} and XXXX in XXXX for {$500.00} ). I went into a US Bank location and filed a claim for the {$500.00} withdrawal. I was told to wait to file the 2nd claim as the {$500.00} was listed as pending and perhaps would not clear. When it did clear, I called the US Bank Fraud Department on XXXX XXXX, 2016 and entered a claim. I was told in XXXX instances that if the claim was still pending/being investigated within 10 business days, they would release provisional funds to my account. They released the provisional funds for the first claim. When XXXX weeks went by and I had still not received the provisional funds for the 2nd claim, I called the Fraud Dept and was told they had no open claim on my account. US Bank was supposed to send me a claim to sign and return ( which I was not aware of ) and they never did. I then entered a claim again and had them email me the claim to sign. Within 2 days I had it signed and faxed to the Fraud Department by a personal banker at a US Bank branch. Last Friday, XXXX XXXX, 2016, I noticed the funds had still not been returned and it was over 10 business days. I called the Fraud Dept and after 45 minutes on the phone with XXXX different individuals it was concluded that I had no claim and they never received the signed claim. I have the Fax verification from US Bank Branch that the claim was sent and received by the Fraud Dept. I then went into A US Bank Branch and spoke with the Assistant Branch Manager and had her refax the claim I signed along with the Fax verification from XXXX XXXX, 2016. She then called the Fraud Department to verify they had received it and was informed they would n't know until the next day. She inquired about my claim, and this time was told I did indeed still have a claim, but that they now have 30 business days to determine whether or not to return my money and that I would not receive provisional funds because I did not return the claim signed within the allotted time. I have proof from US Bank that everything was sent in the right amount of time and that it was received. I have no other option but to file a complaint at this point because it has been over 6 weeks since fraudulent activity occurred on my account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: HOME DEPOT SALESMAN DOUBLE TALKED ME AND I REPLACED MY XXXX CAR GARAGE ROOF ... ..NEVER PASSED INSPECTION POOR WORKMAN SHIP ... GAVE ME WRONG HOME DEPOT CREDIT CARD WITH CITI BANK ... I SIGNED CONTRACT FOR NO INTEREST FOR 24 MONTHS NO INTEREST RATE ON CONTRACT I SIGNED ... 
I THOUGHT I HAD ABOUT 90 MONTHS TO PAY OFF ... MIS LEAD ME. I JUST FOUND OUT XX/XX/2016 THEY GAVE ME WRONG TYPE OF CREDIT CARD FROM HOME DEPOT ... .I THOUGHT I WAS GETTING A " PROJECT LOAN CITIBANK CARD '' BUT I DIDNT RELIZE THE DIFFERENCE UNTIL XX/XX/2016. NOW THEY ADDED OVER {$5000.00} INTEREST AND I AMOST HAD A XXXX.. I WAS PAYING THEY MONTHLY ABOUT $ XXXX-XXXX ... ... .THEY STILL DID NOT FIX MY ACCOUNT BACK THE PROPER WAY. THEY BEEN CALLING AND ASKING FOR MONEY THAT I DO NOT OWE AT THIS TIME ... ..I SENT PAPER WORK TO THE OFFICE THEY REQUESTED LAST MONTH BY CERTIFIED MAIL AND IT WAS RETURNED TO ME ... TODAY SAT XX/XX/XXXX. I ASKED AGAIN ABOUT MY ACCOUNT AND WAS DIRECTED TO SEND PAPER WORK TO ANOTHER OFFICE IN XXXX. I WISH SOMEONE WOULD HELP ... XXXX SO MUCH FOR THE HELP IF POSSIBLE MY HOME DEPOT ACCOUNT NUMBER IS XXXX XXXX XXXX XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Tel XXXX XXXX XXXX BOTTOM LINE I WOULD LIKE THEM TO GIVE ME A " PROJECT LOAN '' CREDIT CARD AND TO FIX THE ROOF PROPER OR TO REMOVE IT COMPLETELY SO I CAN HAVE ANOTHER COMPANY INSTALL THE ROOF ... PLEASE LET ME KNOW IF YOU CAN HELP. 
BALANCE DUE ORIGINAL CONTRACT XXXX. As of TODAY BALANCE {$9700.00}. Thanks 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We fell behind on our mortgage when I was out of work and then when I went back to work at a reduced salary were unable to make our mortgage payments. After receiving a notice of default we applied for mediation through a state program and were denied loan modification. We put our house up for sale as we had over XXXX equity in the house and received an offer that we accepted for XXXX under the market value just before the bank set a foreclosure sale date. The contract we signed with the buyer has a closing date of XXXX XXXX, 2016 but our foreclosure sale date was set for XXXX XXXX, 2016. We have submitted multiple requests to extend the sale date so we could close escrow to settle our mortgage and get some equity out to restart with. The Bank has denied our requests and even told us that the Investor, XXXX XXXX denied the latest request. We are simply asking for a 12 day extension to close escrow and settle our account but the bank will not favor our request. The strange thing is that we were told if this was a short sale situation the bank has a policy in place to extend. My only conclusion based on that policy is that the bank and investor see an opportunity to sell our house at auction for more than we owe and come out ahead at our expense. I feel if this is the case it is not a consumer friendly practice and simply benefits the bank and investor. If they were willing to grant the extension and let us settle our loan we could also restart our lives without being in total ruin. I own the financial mistakes I have made and understand I put myself in this situation. I just do n't understand how the bank can have no compassion to simply extend us a few days to cure this issue. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX sued me to collect a debet and I just receveived notice today, XXXX XXXX, 2016. I have been trying to pay them for over 3 years, but they wo n't accept any payment terms accept payment in full or {$700.00} a month which I can not afford. I was paying on the account continuously until I lost my job at which time, I was paying, but below the monthly minium. They sent me to collections despite the fact I was actually making payments. When I ceased making payments due to lack of employment, they would not work with me to set up agreeable payment arrangements. They even shut off my online access so I could n't make any payments. How can I pay if you wo n't let me pay? Ridiculous. I then put the account in a debt management plan, which the ignored and still sued me. I was not made aware of this was happening. Every attempt I have made to pay they have ignored and/or said it was not enough. Seems to me something is better than nothing. Then to sue me without me being notified is disgusting. XXXX XXXX is a terrible company that is perfectly happy with ruining your character and credit. They wo n't work with you at all. Everyone warned me about getting a credit card from them. 

Company response: Company believes it acted appropriately as authorized by contract or law