AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Suntrust Bank I applied online to get a bank account and it was approved and opened up. About a week or so later I received a letter from the Back office department stating that the account will be closed due to information reported with XXXX XXXX Services. So I left it at that knowing the account was going to be closed and I would have to find a bank somewhere else. Now a few years later I start to clear my credit and pulled and asked for a Consumer report from XXXX and Suntrust Bank has me listed as Non-Sufficeint Fund ( NSF ) Activity and is reporting that I owe them {$84.00}. Now I called the customer services and they stated my account was charged several return check fees and that I had to pay and they would update XXXX and XXXX XXXX Systems. What?? How can you do that when you told me the account was not going to be left open because you closed it due to reported information from XXXX XXXX Services. Such a XXXX double standard 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, I called The SunTrust Mortgage Escalation Resolution Team. The person who answered the phone said she could take my request verbally. I told her I was requesting a copy of all the information re my mortgage # XXXX, that they sumitted to the Hamp Administrator and the National Settlement Administrator. The person, whose name I have, said she would take care of this. It has been over 30 days and I have heard nothing. I called yesterday, and the person who answered the phone, said I have to submit my request in writing. A month wasted!!!! I have requested info by phone.in the past and have received a response. The desired resolution, is that I receive a complete copy of any information given to the Hamp Administrator, and the National Settlement Administrator, regarding the subject mortgage # XXXX ASAP. It is my right to see everything sumitted. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX we, XXXX Title Agency notified Popular Mortgage XXXX XXXX of an unreleased lien affecting the title of a home that is for sale. Unfortunately the seller did not get us the information until XX/XX/XXXX. Because the loan dept was already closed that day and inquiry was put in but not " accepted '' until XX/XX/XXXX. We were told on XX/XX/XXXX that we would have a response within 5 business days. I called on XX/XX/XXXX, believing that to be the third business day, but was told that they were n't counting Friday the XXXX. I was told at that time we should have something between 3 to 5 business days. I called back on the XXXX whcih would be the fourth business day based on their calculations. I was again told that nothing has been done, but XXXX whom I was speaking to, was nice enough to put an email out to the specialist assigned to the inquiry number. During this call, I was disconnected, called back and was able to speak directly to XXXX again. 
Today, XX/XX/XXXX, I have called 8 times. I have been hung up on 7 of those 8 times. I have only been lucky enough to get someone on the phone 3 of those times. The first time, I was n't even able to get the girl 's name before she hung up on me. Then I was hung up on by XXXX ( I am not sure of that spelling ) and now I am currently talking to XXXX XXXX also not sure of spelling ). I have asked XXXX to put me through to a supervisor several times and she has refused. She has also refused to give me her supervisors name. She is however telling me that the inquiry was not put in correctly and that I have to start all over and that it takes a minimum of 10 business days to get a response. This is contradictory to everything both my assistant and I have been told for the past week every time we have called. 
The owner of this home closed their line 7 years ago and even has the line of credit closure authorization from XX/XX/XXXX, which I have a copy of. MERS shows this loan as inactive. Yet Popular has never bothered to record a lien release and is now causing XXXX monetary and mental anguish both for the seller 's ( their customer ) and the new buyers who have a moving van set and have no place to live as of Sunday the XXXX. This is to close escrow today! Yet instead of helping me fix THEIR mistake I just keep getting hung up on. XXXX was instructed not to put me on hold, but she just did, which means I will likely be hung up on again, for the XXXX time. 

Company response: Company chooses not to provide a public response
Consumer complaint: Clarifying my address XXXX and ss # for credentiing must respond or legal action will proceed. Also calling my family members to verify my information 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian is noting that XXXX of the account son my report were charged-off. I have submitted to them proof multiple times showing that these XXXX accounts were NOT charged-off, rather they were settled. However, Experian is NOT correcting the erroneous reporting and is therefore ruining my chances to get approved for new mortgages. It hinges on those accounts being reported correctly as settled, versus being charged off. 

Company response: Company chooses not to provide a public response
Consumer complaint: I repeatedly sent this to XXXX and it still has not been corrected.I have called them, faxed them and gone online to no avail. See copy of fax below. The response was my request was illegible and unclear. 
-- -- -- -- -- -- -- -- -- -- -CONFIDENTIALExperian DFA TeamFAX XXXX Pages : FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXXDOB XX/XX/XXXXXXXXH XXXX XXXX cell XXXX XXXXXXXXXXXXSUBJECT:1. Correct my address. Delete XXXX XXXX XXXX. There has NEVER been an apartment, it is a home. 
2. Correct employment to : XXXX XXXX XXXX. Add a free security freeze to my account since my identity was stolen. 
4. I am not XXXX Military. I am a XXXX XXXX XXXX XXXX. 
5. Delete the address XXXX XXXX XXXX, XXXX, MI XXXX. I have never lived there. This address was reported to you by XXXX. It was the address used by the thief that stole my identity. 
6. Put a free security freeze on my account since my identity was stolen. 

Enclosures:1. MI driver 's license2. Homeowners policy3. Utility Bill4. Police Report5. XXXX letter stating the account opened in my name is not my account and I am not responsible for the charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: SUNTRUST BANK WRONGFULLY OPENED A MINOR CHILDS ACCOUNT AS A JOINT ADULT ACCOUNT, LINKED TO THE PARENT. PARENT WAS ASSURED THAT WHEN THEY OPENED THE ACCOUNT IT WAS A MINOR ACCOUNT AND THAT THE PARENT ONLY HAD TO COSIGN AND THAT THE MINOR WOULD HAVE NO ACCESS TO PARENT ACCOUNT. A FRAUDULENT CHECK WAS DEPOSITED INTO THE CHILDS ACCOUNT VIA THE INTERNET BY TAKING A PIC OF IT. THE CHECK WAS {$7000.00}. THE CHILD SAID HE DID NOT KNOW THE CHECK WAS FAKE BECAUSE IT CLEARED THE NEXT DAY. THE CHILDS ACCOUNT HAD NO MONEY TO COVER THE CHECK, AND THE BANK WENT AHEAD AND RELEASED FUNDS THE VERY NEXT DAY. THE CHILD WAS ABLE TO WITHDRAW {$3000.00} WITH OUT PARENT PERMISSION, AND ALSO WAS ALLOWED TO USE HIS OWN DEBIT/CREDIT BANK CARD LINKED TO HIS ACCOUNT AND TAKE OUT LARGE AMOUNTS OF MONEY. AS SOON AS PARENT HEARD ABOUT THIS THEY WENT TO BANK AND HAD ALL ACCOUNTS CLOSED. THE BANK THEN TELLS PARENT THAT THE ACCOUNT WAS OPENED WRONG AND THAT THE CHILD WAS NOT LISTED AS A MINOR, BUT AND ADULT ON A JOINT ACCOUNT WITH PARENT EVEN THOUGH THEY HAD HIS DATE OF BIRTH ON RECORD. THE BANK THE SAYS THAT HE SHOULD OF NEVER BEEN GIVEN A DEBIT/CREDIT CARD BECAUSE HE WAS A MINOR. THEN THE BANK SAYS THAT THE REASON WHY THE RELEASED THE FUNDS THE NEXT DAY IS BECAUSE THE PARENT HAD THE FUNDS TO COVER THE CHECK IN HER SAVINGS ACCOUNT. IF THE ACCOUNT WOULD OF BEEN SET UP CORRECTEDLY, THE MINOR WOULD OF NEVER HAD ACCESS THE THE FUNDS BEFORE THE CHECK ACTUALLY CLEARED. THE BANK THEN TELL THE PARENT THAT IF THE PARENT WOULD OF NOT HAD THE FUNDS IN HER SAVINGS ACCOUNT TO COVER THE CHECK THE FUNDS WOULD NOT OF BEEN RELEASED. SO THE PARENT WAS NOT PROTECTED BECAUSE SHE HAD ENOUGH MONEY IN HER SAVINGS ACCOUNT. NOW THE BANK HAS FROZEN ALL OF THE PARENTS ACCOUNT, AND THE PARENT HAD NO IDEA WHAT THE MINOR WAS DOING. PLEASE LET ME KNOW WHAT I CAN DO TO MAKE THE BANK LIABLE FOR THEIR WRONG DOING. THE LADY THAT ACTUALLY SET UP THE ACCOUNT OF COURSE IS NO LONGER AT THE BRANCH. MY PHONE NUMBER IS XXXX AND EMAIL ADDRESS IS XXXXXXXXXXXX. 
THANK YOU, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a bill from XXXX XXXX for an account that I do not have with them. I called their fraud department to report this. I am filing a police report about this fraudulent account. My credit report shows that on XXXX/XXXX/15 that XXXX XXXX made a credit inquiry on me in order to open an account. I have contacted all XXXX credit bureaus and placed a fraud alert on my credit report for the next XXXX days. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been disputing these items for at least 2 years and Chex-Systems states that they are validated and verified. First thing My name is XXXX XXXX XXXX which I have known as that since 1974 which is XXXX years. They have my name listed as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX which are all wrong and need to be removed. My Drivers License and Social Security card are attached for verification. The have License number listed which is n't mine and I have my Drivers License attached for verification and that information needs to be deleted as well. Then the address 's I have lived at : XXXX XXXX XXXX XXXX, XXXX XXXX for 8 almost 9 years. These addresses ; s are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX Rt XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX this is my parents address not mine please delete as well. I have attached the Chex Systems Report so that you can see it for your self. I have over XXXX inquiries from Credit Unions and banks that I did n't authorize to pull my information and I even notice XXXX banks reporting as NSF Activity that I want to be removed as well. One has a misspelling of my name and the wrong address and others I am disputed in invalid. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the XXXX time I am complaining to you about the unfair banking practices of Wells Fargo in relation to their checking accounts. I accessed my bank account online and Wells Fargo showed a posted balance of {$190.00}. The asterisk clearly states the posted balance includes transactions that are pending, thus leading the customer to believe the posted balance is the remaining balance minus the pending transactions. So, over the weekend I purchased XXXX product for {$12.00} and then another product for {$5.00}, which are new transactions totaling {$17.00}. The new transactions totaling {$17.00} should well be covered by the posted balance of {$190.00}, right? No, I was charged XXXX XXXX overdraft fees for a total of {$100.00} to cover the {$12.00}, {$5.00} and another recurring {$4.00} transaction. The posted balance is a false balance and leads the consumer to think he or she has more money in the account than he or she actually does, So what happens? The consumer purchases something within the posted balance and creates overdrafts on multiple items, which is profit for the bank. ( I do n't think it costs the bank {$35.00} to " cover '' a {$12.00} or {$5.00} purchase ) Either the bank 's assertion that the posted balance includes posted AND pending transactions is purposely misleading or the posted balances are miscalculated. In either scenario, the consumer is primed for overdraft fees. This practice must stop and I am asking your Bureau to investigate and ensure personal checking balances are accurate within the industry. Personally, I believe I should not have paid overdraft fees since I acted on the posted balance as stated by Wells Fargo and I am seeking reimbursement. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXXXXXXXXXX Cards ServicingI have XXXX credit cards, with them I am now working with a XXXX XXXX XXXX NJ, Each day I receive XXXX calls, and when I block that number they call from a different number. I already over and over spoke and explained my situation and gave representatives the Number to the XXXX of NJ. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collections from Original Creditor : XXXX ... This is not my debt. How did they get my social security number and information? 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX unpaid medical bills on my report for a total of {$800.00} were paid back in XXXX 2015. I need this removed from my file please. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I have not received a letter from them prior to them placing this on my credit report. I was not afforded my right under the FDCPA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Our mortgage was transferred from XXXX XXXX XXXX. We had my husband had been approved for a National Unemployment forbarence program EFF XX/XX/XXXX thru XX/XX/XXXX. When our mortgage was transferred to Greentree, we called in XXXX to be sure that they had the approval for the program and that the XXXX months of payments would be added to the back end of our loan as promised. Just to be sure, and after speaking with " XXXX '' our new account manager, we faxed the approval to her and then followed up to be sure that they had it. We made a multitude of calls between XX/XX/XXXX, and XX/XX/XXXX, and we have received no amount that we can pay going forward on XX/XX/XXXX ; as XXXX XXXX XXXX told XXXX. We were willing to catch up on our XX/XX/XXXX thru XX/XX/XXXX payments, but XXXX told Us thaf our account was in foreclosure review with an attorney! We told her that they could not do that, because the XXXX month foebarence is a National Unemployment program approved by President Obama. She really became rude with us and just pretty much said that is the way it was. When I asked for someone above her, I was referred to someone who identified himself as a supervisor ; his name only given as " XXXX ''. When I spoke to him on or about XX/XX/XXXX, I had to repeat the entire story. He told me that he would see if he could get all of the late fees and legal fees removed. When I spoke to him again on XXXX XXXX, he said that they would not waive the fees and then proceeded to tell me that my husband 's foebarence was dated XX/XX/XXXX thru XX/XX/XXXX ; which I told him was absolutely not true! He was also argumentative and said that he did n't know what I was looking at and that he would need a faxx. I called immediately to a young man named XXXX at XXXX XXXX XXXX, and not only did he read me the letter confirming the XX/XX/XXXX thru XX/XX/XXXX dates, but he also faxed it to " XXXX '', at Greentree Servicing. We left another message on " XXXX '', voicemail, because XXXX would not give me a direct phone number. To date, we have still heard nothing!!! We are begging to start paying our mortgage, and in face have already paid off our {$29000.00} mortgage with their same company!!!! In good faith, we have offered multiple times to pay the XX/XX/XXXX thru XX/XX/XXXX, as well as the XX/XX/XXXX, and begin paying every month, thereafter. However, they tell us NOT to pay until they have had a chance to review. We are more than concerned that this is going on and on and therefore our mortgage gets further behind!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i went XXXX hospital er in XX/XX/XXXX was treated did not have ins. informed the intake person tha i could go to XXXX if that was a problem they said it was ok because of my condition the hospital resolved my bill. now its XX/XX/XXXX check my credit there is a bill from a company called procollect for {$940.00} i call they tell me it from a physicians emergency care i tell them i have never heard of these people nor have i ever received a statement/ bill of any kind, they say dont care pay or will destroy your credit ask for itemized bill they refuse. i called XXXX they tell me they no longer do business with physicians emergency care because of their wrongful billing of patients. in fact they were contract doctors and tHey are now out of business filed bankruptcy sold their portfolio to a third party and cant be found. PRO-COLLECT IS ILLEGALLY TRYING TO COLLECT ON ILLEGAL BILLING STATEMENTS THAT ARE TOTALLY FALSE AND WITHOUT MERIT. I AM ASKING THAT PRO-COLLECT REMOVE THIS COLLECTION ITEM FROM MY CREDIT AS THIS BREAKS ALL FDC PRACTICES AND LAWS 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows one filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I receive a phone call from this number at least once a day, while I am at work. They do not leave a voicemail stating what they are calling for, they just continuously call every single day. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello, So a couple days ago I had gone in to apply for an apartment and received a notice back saying I could not be accepted because I have a consumer frozen file. I have gone into the XXXX credit bureau and spoke with all three credit bureaus on the phone and was told because I have absolutely no credit there is no files that come up under my name. I have received the document the apartment is seeing and it does show that I have a consumer freeze. Please help me as soon as possible so I can get into my new apartment. If there is a freeze I would like it removed immediately! 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a medical debt that was sent to an collection agency ... I sent a debt validation letter disputing that debt and requested that this debt do not be reported to the credit agencies XXXX XXXX XXXX until this matter is resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: Company is calling XXXX times per day from a blocked number. When I do n't answer they fail to leave a voicemail. Also, these calls are everyday even though I have already set up payment arrangements with the company. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I ordered a Washer, Dryer and accessories from BestBuy store in XXXX, Ohio XXXX. I was delivered on XXXX XXXX. The washer was defective and was returned to BestBuy on XXXX XXXX. Return authorization number XXXX. Since that date BestBuy/Citi Bank continue to refuse to credit my account pending their internal processing which they state will take 45 days!! Within 3 weeks, I ordered, received and returned their defective product. Now BestBuy states it will take another 6 weeks to research and resolve. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows one filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX four total, XXXX XXXX four total, an account through XXXX XXXX. Please help as this agency is not complying 

Company response: Company chooses not to provide a public response
Consumer complaint: There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX of XXXX XXXX assistance XXXX total, XXXX XXXX XXXX total, an account through XXXX XXXX. Please help as this agency is not complying 

Company response: Company chooses not to provide a public response
Consumer complaint: A balance of {$220.00} from XX/XX/XXXX-XX/XX/2015 was incurred by my estranged wife, the XXXX cable account was cancelled as of XXXX/XXXX/2015 and the account was affiliated with my wife 's social security #. Now on XX/XX/2015 I find that a collection agency has place a negative entry into my credit report. I asked XXXX to contact their collection agency, They neglected my request. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is the second complaint that I have filed with CFPB as the company has not stopped continuously calling me after I TOLD THEM NUMEROUS TIMES that I am not the person that they are looking for. 

These are the companies that harass me daily : XXXX XXXX XXXXProfessional Bureau of Collection of Maryland 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I was unaware of any collection regarding my previous cell phone provider, XXXX. I called XXXX and they told me I had a previous balance that was now in collections. I asked if it could be removed from collections which they agreed to do. I then proceeded to make a payment for the full balance of {$160.00}. 

I disputed with the XXXX reporting bureaus the accuracy of the collection being on my reports due to they did not have collection authority on the accounts. They came back as verified, and when I submitted payment verification, Receivable Performance refused to accept the documentation from the credit reporting bureaus. 

I proceeded to call Receivable Performance at XXXX and spoke to a supervisor who told me they would not remove it from my report. She confirmed that XXXX had taken the debt back. When I explained that Receivable Performance therefore did not have collection authority on the account, they should 've removed it from all XXXX credit bureaus. She said they would not do that. 

Company response: Company chooses not to provide a public response
Consumer complaint: It says on my report that i have an outdated issue with XXXX XXXX bank on XXXX XXXX, 2013. This can not be me, my grandmother just passed away a week before this and i have NEVER had a credit card. To this day i have no credit cards, so i do n't understand why it is on my report. i had a great credit score and now its very bad and i 'm afraid someone might have stolen my identity for a card from this XXXX XXXX bank. please help me i have no idea who to contact. 

Company response: Company chooses not to provide a public response