AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Due to the unfortunate fact that XXXX XXXX of US Bank completely ignored the evidence I submitted and answering my question for Case number : XXXX, I am resubmitting this document a second time, as a new complaint in regards to my problem with US Bank. And, like XXXX XXXX has asked to me, I ask him to read this and the document very carefully. 

I opened up a checking account in XXXX and then two CD accounts in XXXX, both at the Yellow XXXX office of US Bank. At both times they were under the aegis of XXXX XXXX, although a second manager handled one of not both of the CDs, under her supervision. 

It is my contention that I opened the CDs with all mailing to go to my Vermont address. 
It is US Bank 's contention that I never did any such thing. They have provided me signature cards as the only evidence of this. 

I have asked US Bank for more evidence than these " signature cards '', namely the full data set for me, due to the fact that during the account opening, I was asked numerous questions all of which the bank manager typed into the computer. During a phone conversation with XXXX XXXX, he offered to research this and discuss " whether ( he ) could do so '' with their lawyers, and said that it could take up to six weeks. I told him to take the time he needed. However, within two days of that, I received in the mail copies of the signature cards, and nothing more. When I contacted XXXX XXXX about his offer to research more deeply, he said he had never done any such thing. 

It is US Bank 's contention that I never contacted them or informed them about a Vermont mailing address until some time in XXXX. Assuming that I did this, the address was not fully corrected even as late as XXXX XXXX, even despite XXXX XXXX own intervention in XXXX of XXXX. As late as XXXX XXXX, I received no maturity notice for a CD coming due on XXXX XXXX. I wo n't repeat the many times I had not received XXXX and had to call in for them. For these errors I only have received apologies from XXXX XXXX, but no explanation. 

The evidence that puts into question XXXX XXXX repeated assertion must unfortunately be submitted here again : a bank statement from US Bank, dated XXXX XXXX. It is for the checking account that XXXX XXXX, in his XXXX XXXX response to my complaint [ Case number : XXXX ], says ONLY was signed for either a XXXX XXXX address or the XXXX XXXX address. And if, as he also contends, I never called US Bank until XXXX to inform them of my Vermont XXXX, how does he explain this statement of XXXX with my Vermont address? 

XXXX XXXX, in his XXXX XXXX response, states once again that US Bank had no notice of an address change until my call of XXXX. If that is the case, then he must at least respond to this bank statement of XXXX XXXX and state how it is possible that US Bank had my address then? ( And possibly earlier. I only have access to XXXX XXXX online. ) His previous unwillingness to answer this important question does not resolve the matter. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian continues to report an inaccurate tradeline regarding XXXX XXXX XXXX. I have contacted XXXX XXXX via certified mail attempting to validate this debt, with no response. I have disputed this with Experian multiple times, but they keep insisting the account is correct. This evening while speaking with XXXX, I asked to speak to a supervisor or the person responsible for reviewing the documentation from XXXX verifying this debt. XXXX told me those individuals do not have telephones and I could not contact them. After a long debate, XXXX finally agreed to get a supervisor for me, but he just transferred me to a VM box. As the consumer, it seems unreasonable that I have provided sufficient documentation to support my claim, but as XXXX explained, XXXX XXXX does not have to provide any proof to Experian regarding this debt. I want this account permanently removed from my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My credit card balance was overpaid in the amount of XXXX. When I asked them to go ahead and credit back to me electronically, via the same means that they received the funds from me, they told me that was not possible. My credit card amount due was at a balance of {$0.00} at the time that they took the payment from my account. I need the money back promptly as I understand is within my rights, as stated below : " Other billing rights Businesses that offer " open end '' credit also must : give you a written notice when you open a new account - and at certain other times - that describes your right to dispute billing errors ; provide a statement for each billing period in which you owe - or they owe you - more than XXXX dollar ; send your bill at least 14 days before the payment is due - if you have a period within which to pay the bill without incurring additional charges ; credit all payments to your account on the date they 're received, unless no extra charges would result if they failed to do so. Creditors are permitted to set some reasonable rules for making payments, say setting a reasonable deadline for payment to be received to be credited on the same date ; and promptly credit or refund overpayments and other amounts owed to your account. This applies to instances where your account is owed more than XXXX dollar. Your account must be credited promptly with the amount owed. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request. The creditor must also make a good faith effort to refund a credit balance that has remained on your account for more than six months. '' 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX made an error in reporting amount owed All XXXX bureaus have not updated the info 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am XXXX XXXX XXXX that works for a company that helps victims of ID Theft to clear up fraudulent matters. I obtain a Limited Power of Attorney in order to help these vicitims clear up fraudulent matters. I disputed an account last year with USAA for one of my members. We were advised last year the account was cleared. This year it got sent to collections. After spending more than three hours on the phone USAA advised today the account was in a charge off status not a fraud status. I tried to work with the fraud department today to see if we could get the status corrected. USAA could verify my POA On file, but insistied they would not talk to me unless I provided my PERSONAL social security number and date of birth for verification purposes. I told them I was not related to the member, this was n't my account and for security purposes I was not comfortable giving them my social. They said I had to, so I made up a number and told them I was doing so. Then they tell me they have access to background information and the number did not come back as valid and they would not talk to me. I never authorized them to check background information on me. I never authorized anything. I cant believe for security reasons a fraud department is asking for social security number of PROFESSIONALS not financially obligated to the account. This needs to be stopped and now we ca n't resolve a fraudulent account which is against FAIR DEBT COLLECTION Practices and their regulations because I wo n't give my social. The client, is hard of hearing and ca n't speak. HIs wife, handles all the financial affairs. They wont talk to her either. The member signed a power of attorney so that I could help him and I cant. I went to XXXX at USAA dept supervisor and she refused to find a different way to resolve this. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I was advised months ago the debt no longer exists. I have an actual bill dated XXXX XXXX, 2016 showing I have a XXXX balance acct with XXXX XXXX. These collection folks have ignored my communications for many months and now are hurting my credit for a debt I do not owe. They must be stopped and sanctioned, please 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Before leaving for an extended stay in another country, I contacted Santander Bank to let them know that I would be in a certain city for 9 weeks and wanted to make sure that there would be no problem using my debit card at the Santander ATM in the city I would be staying in. They noted this on my account and assured me that there would be no problem. In XXXX 2016 ( mid-way through my stay ), Santander made a decision to de-activate my debit card as a new one, with a new chip, had been sent to my home and had been activated by the bank. I received no notice that the card I had with me would be de-activated. So, basically, Santander Bank is holding my funds hostage while I am in another country, unable to get the card that is sitting in a pile of mail at home. I have spoken with numerous representatives trying to get help and the answers have been the same ... so sorry ... .nothing we can do ... .the new cards were machine generated ... .the card you have with you can not be reactivated ( exp. date XX/XX/XXXX ) etc. I am trying to figure out a way to get cash. I can not believe that Santander activated a new card and deactivated the card I currently have with no notice or input from me. I thought it was up to the consumer to activate a new card. The fact that Santander is unwilling to even try to help me is unacceptable. I am sure that I am not the only consumer who has been left stranded without access to their funds while out of the country. How could this possible be legal???? Of course, I am closing my accounts with Santander upon my return home but I think more needs to be done to address this completely irresponsible decision. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On or about XX/XX/2015 I ordered some gold and silver from a company in Texas. I gave them a credit card number, they took my money and since then I have called the company several times. They told me the gold and silver I ordered was not in yet but would be sent to me as soon as it came in. I continued to call regularly and they gave me the same story, so I waited patiently. I have XXXX telephone numbers for that company and upon calling them the last few days, I got a recording that those numbers have been disconnected. Today I called my consumer finance person in my state and he said after investigating, it appears that company is no longer in business. It appears I am out a lot of money and have nothing to show for it. I am hoping to have the company investigated and have my money returned to me as I am sure, now, that I will never see the gold and silver. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: CMRE is reporting a collection for an account that has never been validated, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. It was for a medical bill for my daughter XX/XX/XXXX. That was over 9 years ago. I had never heard from CMRE so I contacted them and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false. This single account violates several laws including but not limited to HIPPA, FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was lied to by a Citibank representative XX/XX/XXXX. He was pressuring me into signing up for the Citibank Credit Protector program ( which I did not want ), and said I would not be signed up until I had mailed in the signed forms he would send me. Knowing that I had no intention of returning the forms I agreed to let him send them to me, just in order to get off the phone with him. However they enrolled me in the program without me sending in any forms, and they charged me {$130.00} for this program I did not want and did not sign up for. When I found out I had been charged I cancelled the protection program and wrote a letter requesting a refund from Citibank. Citibank would not refund me so I cancelled my credit card. Last summer I read in the news that Citibank has been ordered to refund customers like me who were the victim of deceptive business practices, so I wrote a letter XX/XX/XXXX providing them with my new address and again requesting a refund. No response. I have called twice since then - the first time they told me to call back XX/XX/XXXX. Today I called and after 30 minutes talking to people who could not help, someone in the credit protector program told me she would resubmit my refund request for me, then without getting my new address, she put me on hold and then hung up on me. Although I misplaced my statements/proof of charges, Citibank knows the amount - the representative today quoted me {$130.00} which is correct. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There is a collection from XXXX XXXX stating a creditor by XXXX sent me to collections. I do not know anything about this XXXX nor have i ever been to the state that is being listed. I believe my identity has been stolen and i want this collection removed and to not come back. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this account via this website and have not received a response within the allowed timeframe. It was given 30 days to dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: I initiated a dispute with Experian, XXXX, and XXXX XXXX XXXX, XXXX for the following items : XXXX XXXX and XXXX. XXXX was formerly known as XXXX XXXX. These items were scheduled to come off my credit reports a few months ago being that they are over 7 years old ( DoFD was XXXX XXXX, XXXX for XXXX ), however all three credit bureaus stated that they conducted an investigation and the items were verified. The items being verified was not the reason for my dispute, in addition I called both XXXX and XXXX XXXX XXXX, XXXX to verify that an investigation was actually conducted and both company representatives stated that they did not verify nor report to the credit bureaus because the accounts are old and due to expire. All three credit bureaus are reporting erroneous information in regards to when the first delinquency was reported except for XXXX, however XXXX did not remove the old item either. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX 2015 i filed a complaint about wakefield & associate who claimed that i owe XXXX XXXX their response was that they will contact XXXX credit bureau to removed them. after those debt was removed from my credit report, on XXXX 2015 they reinserted again those debts. I am filing this complaint to get this debt to be immediately removed from my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: After presenting name,. SSN, and Date of Birth the Experian system tells me they can not confirm my identity, and I have been unable to contact a human to talk with to try to find out why they can not confirm my identity. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got approved for a loan to buy a house I have submitted everything I need to for them I paid for the inspection and paid good faith check after all of that they said I did n't get approved for the loan to cancel my contract because they do n't want to wait for the down payments assistant said that the Sellers do n't want to wait that long I feel like they are getting over on me I feel that they should have told me that I did not get approved before I spent my money and picked out a house Carrington mortgage in XXXX Ohio XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have been in our home since XXXX of XXXX. My husband became ill in the latter half of XXXX and was in XXXX status since XXXX XXXX which took a heavy toll on our household income. I began to contact then Greentree Servcing LLC as to our hardship and was given instruction on the paperwork needed to begin a file process of necessary documents. I obtained all documents asked for and submitted to Greentree Servcing LLC. 
Each time I was told I did not qualify for HAMP due to all documentation not in file which now left us behind on payment due to the fact we were told if our payments were current we would not qualify for HAMP. I was then told I could do a deferment but would no longer be able to pursue the HAMP for at least a year after the deferment. I was then asked to make a payment of roughly {$800.00} plus dollars of which I did and set up an additional payment for {$620.00} to be debited on XXXX XXXX, XXXX and I did that as well. 
Now Ditech has began calling continually saying I owe {$800.00} plus dollars in late fees. 
We have continued to struggle to work with Greentree ( Ditech ) to keep our home but to no resolution. Please point us in the proper direction we pray for relief to this matter. 

Thank You, XXXX and XXXX XXXX XXXX, XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I would like to again submit another complaint or better, continue with our previous XXXX submitted in XXXX of 2015. To summarize, we have applied for a modification in XXXX of 2015 with Bank of America after our initial complaint to CFPB. After clearly explaining all reasons why our past modifications have been denied, mainly because we do not file XXXX tax returns, ONCE AGAIN they have declined our modification for the SAME REASON. They have wasted 3 months of requesting documents which we again clearly explained they were difficult to obtain ( even though we submitted our tax returns from our Country ) just for us to enter in their loop of false hope they call " process ''. Last time we spoke with a representative on XXXX XXXX, 2015, they advised us that our application for modification had been denied, they told us they would send us documentation for our son to assume the loan ( another convenient alternative for them ). To this date XXXX/XXXX/2015, we have not received neither a written notification of denial nor an application for loan assumption. At this moment, we are in limbo and will not be able to refinance or modify our loan, meanwhile this huge lender still makes a nice profit on a loan at 6.5 %. I hope CFPB may intervene and stop their abusive practice, as Bank of America certainly is not there to help you. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage is with BBT, I have property tax and insurance escrowed. My loan is {$170000.00}, my monthly escrow is {$370.00}, my appraisal is {$230000.00} and assessment is {$2300.00} due in XXXX each yr. My escrow balance was {$4000.00} and my account has never been late.I signed up for online banking 2 weeks ago and saw BBT debited my escrow for {$16.00} to pay my property taxes. Now this is not a new loan, the bank has a file with my property description, value, name on tax ticket, and of course the correct amount due because I pay escrow & they do a Escrow Analysis each year. I checked with the XXXX XXXX Tax assessor web site and saw my taxes were delinquent and a 21 % penalty.This is a huge problem because property gets sold and then you have to go thru a 3rd party to buy it back. I was so shocked because I know Banks have strict rules that govern paying escrow payments on time and accurately. After multiple phone calls and BBT employees telling me the bank will pay and I would not be responsible for the penalty, I sent faxes and finally a legal " Notice of Error '' to document my written request. My taxes were finally paid after 2 weeks but BBT also charged my escrow for the {$550.00} penalty.My position is that Red Flags should have been raised when they issued a {$16.00} check to pay my taxes. Where are the safe guards, common sense and professionalism in paying {$16.00} in taxes on a large mortgage? They are blaming me because they paid the wrong tax ticket. They paid a ticket on XXXX acres unimproved hillside property, valued at {$1600.00} in SOMEONE ELSES NAME. I have nothing to do with the tax assessor office, I do n't know my tax # unless I look it up. The bank does however have my file and all info. Because they paid the wrong ticket, they are charging my account for the penalty. The Bank has an agreement with me that we both signed to pay my taxes on time, and I do n't see any ifs, ands or buts in the agreement. All they had to do was be proactive, check the tax web sight & they could have avoided this disaster. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: ON XXXX/XXXX/2016 I RECEVIED A CALL FROM THE LADY WHOM I WAS WORKING WITH TO OBTAIN A LOAN FOR A HOUSE. SHE STATED THAT THERE WAS A JUDGMENT FROM XXXX XXXX BANK IN THE AMOUNT OF {$6900.00}. THIS WAS SHOWING ON MY EXPERIAN CREDIT REPORT ONLY. I DID FURTHER INVESTIAGTION AND THERE WAS A JUGMENT FROM XXXX XXXX BANK FILLED XXXX. UNDER XXXX XXXX AND XXXX XXXX. 
ON XXXX16-I FILLED A POLICE REPORT # XXXX AND A DISPUTE WITH EXPERIAN GAVE THEM XXXX COPIES OF ALL THE DOCUMENTION REQUESTED FOR THIS MATTER. I HAVE CALLED EXPERIAN MULTIPLE TIMES TO SEE IF THE DISPUTE HAS GOTTEN ANYWHERE AND ALL I HAVE GOTTEN IS THE RUN AROUND. I WAS GIVEN A NUMBER FOR A SUPERVISOR LAST CALL I MADE WAS XXXX/XXXX/16 TO A XXXX ( SUPERVISOR ) @ XXXX NO ANSWER BUT I DID LEAVE XXXX MESSAGES. I HAVE MAILED IN PAPERWORK TWICE THRU PRIORITY MAIL TO HELP! THIS ISSUE HAS IMPACTED MY ABILITY TO OBTAIN A HOME LOAN FOR MY FAMILY! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was contacted at work and given the number XXXX to contact about a case # XXXX. I called the number and gave the case #, I should not have given my social security number over the phone. There was no company greeting, just a " how can I direct your call '' I was transferred to a representative and was told that there was a judgement being filed against me. I was given the terms of the judgement. I asked for a payment plan, he placed me on hold and " spoke with the client '' they wanted to know when I could pay the money. He then started demanding my pay schedule at work. I said I would not give that information to him. he said fine I 'll just get it from the judgement. He then hung up the phone. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: A lady named XXXX XXXX called from XXXX to my place of work, I called back and she claimed to be from a law firm, collecting for the cash store. when I asked for her mailing address she became irate and said my attorney should contact them. She asked why I wanted the address, I stated that I did n't believe they were a law firm. At that time she yelled " XXXX ''! I hung up. she called back but I did n't answer. she left another insulting message on my voice mail, 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response