AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: As a XXXX account holder at US Bank, I would like to file a complaint with/against US Bank. US Bank cleared a check where the " pay to the order of '' was blank ; the written dollar amount was blank ; the signature line contained a line with bumps XXXX no representation of the account signature card ) and no endorsement on the back of the check. The date and numerical dollar amount were the only items filled out ( redacted copy of check attached XXXX Account holder checked bank statement utilizing US Bank mobile app and realized that balance on account was suspicious. The US Bank website revealed that an out of sequence check had been presented. Further review of the checkbook identified that the check in question and its duplicate had XXXX been pulled from the check book 6 checks beyond the last written check. No other duplicates had been removed. The US Bank fraud department was immediately contacted, where a hold was placed upon the account. A fraudulent activity customer statement was started over the phone. The representative told account holder to : visit a branch within the next few days ( this phone interaction occurred on a weekend ) to complete/sign the fraudulent activity customer statement ; to contact the security department at work XXXX where account holder believes the check had been stolen from a zippered bag within an employee break room ) ; to file a statement with the police station nearest to work ; and, to have copies of all said documents sent to the US Bank XXXX Department. Approximately XXXX weeks after all paperwork had been submitted, account holder received a letter XXXX copy attached ) denying fraud/reimbursement due to " Customer Negligence '' for not providing adequate security for the account number. 
Account holder visited the US Bank XXXX XXXX and spoke with a manager in an attempt to determine how the check was presented to US Bank for payment in order to update the police report and allow the police to continue any investigation. This manager reached out to one of his fellow associates in the fraud department to request presenting bank information for the check in question. Account holder was informed that the requested information should be received via a letter to her home in XXXX weeks. The branch manager also indicated that due to all of the electronic methods available for presenting a check that when US Bank is presented with a check it has to be paid, without concern for the integrity/completeness of the check. After XXXX weeks, account holder contacted this manager to follow up because no information had been received. This manager called associate back and was informed that the fraud department was unable ( or unwilling ) to provide account holder with this information. 

Company response: Company chooses not to provide a public response
Consumer complaint: As you can over look attached Doc. XXXX collection was reporting on my Credit Report reference to XXXX XXXX Account. 
it was reported by XXXX after disputing with Agency I submitted letter to transunion .. 
Transunion refuse to remove negative account from my report 

Company response: Company chooses not to provide a public response
Consumer complaint: The company netSpend has mailed me an unsolicited, unwanted personalized prepaid debit card, received today, XXXX XXXX, 2015. I have not ever asked for this card. It is unsettling receiving an unsolicited card with my name already personalized, and a sticker with phone number for me to call to activate it in my name. 

Calling the company requires interaction with an automated voice system and the only way to get to a person at all without getting kicked off the call is to select an option that is not for the reason I was calling. After several attempts to get to a live person, I pressed the number for " If your card is lost, stolen, or you 've never received your card ... '' Even then, the system reported that they were experiencing a heavy call volume and gave me options to hang up, select a time for a callback, or have someone call me back as soon as possible. I reluctantly selected a call back, but have yet to hear from anyone. 

Because I am very concerned about my identity records, unwarranted liability, and financial vulnerability, this has taken my time and attention trying to reach the company to scold them for sending me this card and demanding that they remove my information from their system. This business practice must stop! 

I am filing this complaint for the financial and privacy reasons stated, but primarily because of the stress of receiving the card in the mail at all and feeling that I needed to do something about it right away, although it is wasting my time to do so. 

Thus far, the company has prevented me from complaining to them about their actions and I find that grossly unacceptable. Their computerized phone interaction is unfriendly and dismissive at best, not allowing me to accomplish what I called about at the number they publicize on their web site and on the back of the card they sent. 

There is very tiny print on what I got in the mail giving information about how to decline the card offer and/or opt-out of future mail offers from netSpend. It is tucked away and does not address the problem I am reporting. I should not have to ask not to receive such mail with a personalized card enclosed. Something like that should never have been sent. I should not even need to go to the trouble of shredding the card and filing a complaint about receiving it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We rented an apartment on XXXX XXXX XXXX XXXX XXXX # XXXX XXXX mn XXXXWe were XXXX people and we paid the rent on time until we moved out, when we moved out they found few damaged things on the kictchen and they wanted us to pay {$710.00} dollars and they all refused and they went ahead and put all this money on my credit alone, now am trying to rent aplace and this credit agency by the name hunter Warfield phone XXXX they are threatening me that l alone am responsible for this amount, why do n't they give my share since we were XXXX people who used to live on the apartment, the manager of the property as said he as nothing do do with this amount and they have spoken to the place a want to rent because I was a good tenant and they have refused. This is not a good business act to me, they are acting rude to me and punishing me .I need help so that this thing can be removed from record 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: You have my name down as XXXX, XXXX XXXX - My ex husband from years ago is XXXX XXXX XXXX, his name should NOTot be on my name, my New husband of 12 yrs name is not on my name. Please take the XXXX off my name, we have separate Credit reports 

Company response: Company chooses not to provide a public response
Consumer complaint: We applied for a VA mortgage loan with Homebridge Financial Services. We were assured numerous times by our representative with Homebridge that we would be able to do a loan modification on our VA loan after closing since we would be making a substantial payment soon after closing. However, we are now being told that such loan modifications are not available on VA loans. We have a larger payment that we expected to have because of this mis-information and we will have to pay thousands of dollars to refinance the loan to reduce that payments as planned. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: It appears my ex husband opened a credit card with my name on it without my knowledge. The card was opened on XX/XX/XXXX. It states clearly under where I would sign that I was not available due to I was XXXX. I was never XXXX. Also, my date of birth is wrong on the application. This credit card is showing up on my credit report. He continued to use the card after we were divorced on XX/XX/XXXX maxing the card out. 

Company response: Company chooses not to provide a public response
Consumer complaint: this not my account so please remove 

Company response: Company chooses not to provide a public response
Consumer complaint: this not my account 

Company response: Company chooses not to provide a public response
Consumer complaint: hello my name is XXXX XXXX, i had a car around XXXX years at go i sold it, i never had a chance to change it under his name i was busy, he said he ill take care of it and it seems like the new owner left it for some week with out moving it and the towing truck took it and he did n't take care of it and he just let it go. 
Now it is on my record, what can i do to with this case? 

Company response: Company chooses not to provide a public response
Consumer complaint: I am trying to get a home modification loan for my home. I have been at this process for months. I have sent in all the correct paperwork at least XXXX. I am told it is not the correct paperwork so I call and get sent to a voice mail, I leave a message, never get a call back. I did get a letter in the mail stating that the information that was requested was never received so the modification was denied. Really!!! How many times does one have to sent the information, leave voice mails and never get replies. I am in danger of losing my home because someone thinks this is joke and its not important or maybe it because I am a XXXX something XXXX male that owns my own business so who ever is handling this case feels I am not worthy of working with. I feel that I have been discriminated against because of my economic status and sex. I have had nothing but problems with this company from day one. The mail they send is out of date, they have lied several times stating one thing and then sending a letter saying the exact opposite. My credit has been destroyed due to the absolute ineptness of the staff the I have had to work with. Its obvious that little training or education is needed to work for this company as they all make up what they feel will sound good so they can get you off the phone or they threaten you with loss of your home and your credit. Greentree needs to be out of business and never service another loan again. This has caused undue stress resulting in medical issues for myself at this point. I can not move on with my life until this issue is taken care of. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: SunTrust after being a customer for 20 years, with sole income for my XXXX direct deposited every month with no problems, suddenly had a fraudulent overdraft fee. I went to the local branch and they agreed to remove the fee, but 6 days later got an extended overdraft fee. Now I have XXXX more overdraft fees which would not have occurred if they followed through on their agreement. I live check to check and have alsways been careful in balancing my ledger and had sufficient funds from the very first overdraft fee. No one will abide by agreement and keep taking my money. I will not be able to pay XX/XX/XXXX bills thanks to them. I have learned that they have a patern targeting low-income individuals, particularly the elderly/disabled reordering and misrepresentation of account balances. 

Company response: Company chooses not to provide a public response
Consumer complaint: this account was paid in full 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage company marked us late to the credit bureau for XX/XX/XXXX for 30 days and for XX/XX/XXXX for 60 days when we paid both months on time. We entered into an approved loan modification loan that started XX/XX/XXXX to XX/XX/XXXX. We have statement that show we paid every month on time. In XX/XX/XXXX my mortgage company PennyMac said the Loan Modification Dept. had not finished the paperwork, so to pay the same modification amount for XX/XX/XXXX, which we paid on time. XX/XX/XXXX at XXXX we received a XXXX package with our loan modification paperwork saying to sign and return them by XX/XX/XXXX. I called and PennyMac said to take a week or so to review and then sign and XXXX back as we did. I called in XX/XX/XXXX to make a payment and they said since the modification was finalized XX/XX/XXXX. they did n't expect us to make a payment, that month was rolled into the new loan modification. I was told to make the next payment in XX/XX/XXXX, which we did on time. 

A Rep. at PennyMac sent us a letter saying we were not late in XX/XX/XXXX, but said they would not remove XX/XX/XXXX late reporting. I sent her letter to the credit bureaus and received a letter saying PennyMac said they did n't send the letter. 

I have PennyMac statements showing I paid every month on time. I also have the letter from PeenyMac saying they were in error marking us late for XX/XX/XXXX. Also the paperwork for my new mod loan. 

I 've sent several emails to PennyMac, which I have copies of from their website. I 've spoke to several reps. Who have incorrect information and I 've faxed all my paperwork to them. 

Please help. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I am concerned that medical bills are on my credit report. I was fully insured when these bills were sent to Transunion. I was informed by another credit agency that the hospital was n't suppose to submit these bills to a credit agency if I had insurance at rhea time of treatment. I submitted a dispute XXXX XXXX, 2015 stating that fact and was informed that the items would remain. 
There is a concerted effort among the XXXX CRAs to always have at least XXXX agency to keep the negative info on file. XXXX will delete info but always XXXX will retain the derogatory info. This to me is a form of collusion and should be investigated. The new mandate from the ruling of the Affordable Care Act has made it illegal to report medical bills to CRAs if the individual was fully insured when the hospital visit occurred. 
Please help to correct this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: We had a false charge on my a/c. the bank charged overdraft charges. the actualcharge was reversed.but od was not. They levied more than {$100.00} in charge andmade the a/c negative.In the negative state a {$97.00} insurance charge was honored. 
Thus the total actual charge was {$97.00} and o/d charge was more than XXXX then theyadded anathor {$70.00} and closed the a/c. we have chased them for XXXX yrs to settle the a/cbut they claim to have sold it to XXXX XXXX XXXX. BUT XXXX does nothave the a/c. so what do i do.bank is non cooperative. But they have reported me XXXX for their charges 

Company response: Company chooses not to provide a public response
Consumer complaint: I never had a credit card from XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased my apartment XX/XX/XXXX and XX/XX/XXXX I was approved a short sale under HAFA. The sale was completed and I was told that any negative credit reporting would be removed from my record. To this date, the mortgagor has not removed negative credit entries from any of my credit reports with any of the agencies. This is having an adverse affect on my ability to apply for other credit and is unfair. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX XXXX for Eastpoint Recovery called me and told me that file # XXXX that was forwarded to my office, this is not a solicitation, this is regarding a very urgent matter that was forwarded to my office .... Your file has been red flagged as a direct refusal to resolve ... .I will grant you a final opportunity to get in contact with this office ... ... .I will be making my final recommendation that we do move forward on the file ... ..unfortunately this will be assigned for further action ... ... at XXXX tomorrow I go to a meeting to assign your file from further action, and I am trying to prevent that from happening. 

Then on XXXX Eastpoint Recovery called me again, saying .... My name is XXXX XXXX, XXXX as in Sheriff ... .. We have a problem here, do you have a son? ... .. We have a problem sir ... ..This is regarding XXXX Bank XXXX XXXX XXXX XXXX I guess you bought some stuff online .... You were paying on it from three years. 

Eastpoint and their debt collection representatives harassed me and pretended to be a government official. Clear violations of the FDCPA and the Texas Finance Code. 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is in regards to an XXXX credit report. It involves a credit report inquiry on XXXX XXXX, 2014 in the name of CREDCO/CHASE ACCT RVW. I sent XXXX letters to Credco/CoreLogic asking why my credit was pulled and what XXXX XXXX XXXX Bank represented to them for permissible purpose to pull the credit report. I failed to receive a satisfactory answer and so I emailed Credco/CoreLogic. A representative by the name of XXXX, at XXXX called me. He explained that their relationship with XXXX is automated and they receive nothing in regards to why the report was pulled. I asked what XXXX represented to them that was permissible, and he said nothing, other than he could send me an explanation of what " represented '' actually means, as there are different areas that would cover. I told him that I sent a letter to the address provided by Credco/CoreLogic, for XXXX XXXX XXXX Bank, with an address in XXXX TX. My letter was returned " return to sender '' without explanation. He said it appeared there might be a suite # for the address, but that was cutoff based on what he was looking at in the system. He did give me a contact name of XXXX XXXX and phone # of XXXX. I called the phone # and it is no longer in service. I left a message for XXXX to please investigate further for accurate contact information. I have no clue why XXXX XXXX XXXX Bank would be conducting an account review in 2014. The system of pulling a person 's credit report in this situation, without any permissible criteria or accurate contact information is worrisome. Please investigate both Credco/Corelogic and XXXX XXXX XXXX Bank to get to the bottom of why they pulled my credit report. 

Thank youXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have written and disputed incorrect information on my credit report that belongs to another individual. The company refuses to delete the incorrect information from my credit report even after receiving my personal verifying information that is different from the negative items they are reporting. They are refusing to pursue the correct individual and remove the information from my account even with verifying proof that my identity and the other individuals are totally different. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My complaint : I sent a dispute letter to Experian on XXXX, and i immediately received a suspicious letter back even though I sent proof of ID and address. 
The outcome I want? 
I want Experian to do their job, and investigate my complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have attempted to dispute several accounts and inquiries on my credit report that do not belong to me with Experian since XXXX XXXX. I sent in my personal information such as my license with address on it. Not only did Experian not do any investigation on it, they sent me a notice stating that they thought this was a suspicious request and that they wanted me to call to identify myself. I went ahead and did what they asked. I called Experian and gave them all my identifying information as well as answered several of their security questions and after going through all of this I am asked what I want to dispute. I tell them about all the inquiries which are reporting on my report over the last 6 months and how they do not belong to me and I am wanting to dispute the validity of them. I am then told that they can not initiate any investigations on inquiries and that I would have to call the creditor myself .... 

I am no expert at laws but I have researched the F.C.R.A. and I know that they can not simply chose to ignore my investigation requests. I also am not happy that they are claiming they ca n't investigate inquiries or set them up for a dispute when I know they can. I feel that this is a form of discrimination because I am from XXXX and they are simply refusing to help me when this is something that I know they do on a daily basis for millions of other Americans. Please help me in getting Experian to do its job properly before I have to file a lawsuit against them for discrimination and their violation of F.C.R.A. 

Company response: Company chooses not to provide a public response
Consumer complaint: Lien paid in 2009. Not being reported as paid 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested verification of debt owed on XXXX XXXX, 2014 from CACH , LLC via certified USPS letter which was signed for and accepted on XXXX XXXX. 

CACH , LLC did not respond to the request and has now threatened to sue me and continues to harass me in person ; they sent an individual driving XXXX sedan to follow me when I am walking my dog and constantly take pictures of my roommate and I even after we requested that they stop. 

Company response: Company chooses not to provide a public response
Consumer complaint: Denies that i have any bank accounts and has not updated my addresses in the last two years. The bank account is the same bank account from 2002 

Company response: Company chooses not to provide a public response
Consumer complaint: Resident Collect, Inc. continues in their attempt to collect a debt that was discharged in a Chapter XXXX bankruptcy in XXXX 2013. They have sent collection notices and have called my cell phone. My attempts to contact them to inform them that they were listed as a creditor in the discharged bankruptcy have been met with accusations of me lying about the bankruptcy ( I tried to provide them with the case number ), hanging up on me and then calling me back a few minutes later and when I answer they hang up on me again. During a phone call to them, I was explaining that this had been discharged and the rep said in a very sarcastic, belittling manner, " Yeah ... ok ... I highly doubt it ''. When I informed him that I was going to call my attorney about this he stated, " You do that if you really even have one ''. I asked them why they were continuing to attempt to collect a debt that was discharged in a bankruptcy, I was told, " Obviously you owe the money and there was no bankruptcy - so sounds like you need to pay up ''. 

I called my attorney and they verified that RCI was listed as a creditor and that this activity was indeed illegal. She advised me to fax or send them a letter explaining what I have tried already and to include a copy of the discharge. I have tried to contact them to obtain a fax number and as soon as I explain to the rep what I need the fax number for and give them my account number, they hang up on me. I do not want this account updated on my credit report since it was included in the bankruptcy and is not a current debt. I want ALL of their collection activity tactics to cease immediately. 

Company response: Company believes complaint relates to a discontinued policy or procedure