vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On Friday XX/XX/XXXX I went to the Suntrust XXXX XXXX Branch ATM on XXXX XXXX XXXX, XXXX XXXX Florida to make a withdrawal of $ XXXX from my XXXX XXXX XXXX XXXX. The time was XXXX. There was no sign or any message that the machine was out of service. 
The machine took all my info including a {$3.00} fee and then informed me that it was " unable to process '' my request. I went into the branch and was informed they were aware the machine was OOS and were awaiting a technician to make repairs. I requested a sign be posted but was told the technician was on the way. An hour later on my 4th trip to Suntrust there was still no info to let the customer know the machine was out of service. Had there been a notice none of this would have happened. 
I then went to another branch and the ATM there informed me I had 'insufficient ' funds to complete the transaction. I then returned home and checked on line my XXXX   account and was surprised that, with the conversion, XXXX  had debited C {$960.00} from my account. I then returned to the XXXX XXXX branch and talked to the assistant mgr who informed me the problem was with my XXXX XXXX  and not the fault of Suntrust, and that I should contact my XXXX XXXX  and lodge a complaint. 
I didn't believe her, and returned home, called the XXXX XXXX in XXXX, and even though they or myself didn't believe that XXXX was responsible, set up a fraud complaint file and advised me to return to Suntrust and re talk with them. On my fourth trip to Suntrust the asst. mgr still insisted the problem was with my XXXX XXXX and not Suntrust. I explained that Suntrust ATM didn't dispense my {$700.00} because it was 'unable to process ' but electronically informed XXXX that it did and XXXX   sent Suntrust {$700.00} from my XXXX checking account. This totals $ XXXX that Suntrust now had. This has caused me to miss my first mortgage payment in eight years. 
I talked to Mgr XXXX four times, but was told today Suntrust is set up for the defrauded customer to have to do the fighting with the bank from where the funds were taken from ; NOT Suntrust ATM that failed to dispense the funds as Suntrust does not service their machines. 
That means Suntrust takes no responsibility for their errors and places the onus on the consumer/customer to suffer. 
With four employees inside who knew the ATM was OOS, why did not one of them  place a sign on the ATM? Would it have been too much of an effort to do so? 
I can only guess it would have been even though I requested a notice be placed on the machine. Over an hour later there was still no notice on the ATM. With the popularity of that branch, I can only imagine how many customers have been inconvenienced and have lost money by the lack of management responsibility and Suntrust policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2016, we made a purchase with XXXX XXXX in the amount of {$1700.00}, which included a {$150.00} fee to be eligible for a 24 month, 0 % interest, equal payment plan on the purchase. The monthly amount due was {$76.00}, more than enough to satisfy the purchase within the 24 months. 
This month, when we went to pay our bill online ( we do not receive paper statements ), we discovered that promotion is ending, but instead of owing {$76.00} or less, we owe more than {$180.00} on the purchase! 
When we looked at our online statements, that's when we realized XXXX XXXX XXXX has been applying our payments to subsequent purchases at amounts which now makes it appear we haven't been paying enough on the original purchase ( when we have ). When I called to find out why they were applying our payments in this way, both representatives argued with me. First, XXXX told me that's just how they apply payments. When I asked to be transferred to a manager, XXXX gave me 2 lies -- the first being that we aren't incurring any interest ( ignoring the fact that we will begin to accrue interest when the balance isn't satisfied in full on XX/XX/XXXX, despite having paid {$150.00} to have equal payments to avoid the threat of interest ), and the second that the {$150.00} fee wasn't included in the {$1700.00}. 
Now, our option is to pay the {$130.00} minimum payment ( which includes subsequent purchases subject to the same terms with an additional {$150.00} fee ) and incur interest on the outstanding balance owed for the first purchase OR pay {$130.00} PLUS the {$180.00} which means the {$150.00} fee was a lie because XXXX XXXX XXXX didn't do as promised and calculate 24 equal payments for us to avoid having to incur or pay interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC
State: GA

Complaint narrative:
XXXX XXXX XXXX {$1900.00} Account was settled with 11 XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You can not collect a debt twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In early XXXX, I sent investigation requests to Equifax and XXXX XXXX. In the request, asked them to investigate credit errors that appeared on my report. Over 45 days have passed without a response. They were supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX ran a hard inquiry on my credit. The creation of my new joint checking account with the Bank was completed on XX/XX/2018. However, as I was signing up for the joint checking account there was no note that a hard inquiry would be ran in order to approve the creation of the account. This unauthorized inquiry into my credit has lowered my credit score. Additionally, I have attempted to fund my account and have started auto-deposits from one bank to Charles Schwab, and have yet to see it be reflected in my account. To date I have funded the  account with {$500.00} that appears as deducted from my origin bank account but does not appear in my Charles Schwab account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

CONNS XXXX Date Opened : XX/XX/2015 Balance : {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AmeriCollect
State: GA

Complaint narrative:
XXXX XXXX  {$96.00}? 
Account was settled with XXXX XXXXXXXX XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You can not collect a debt twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went to get an annual mammogram covered 100 % by my insurance. I have been billed for a service covered by insurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have written Experian several letters asking them to please REMOVE all old addresses, phone numbers, name variations, social security number and last 4 digits, from my report, per I am afraid of being a victim of identity theft, and fraudulent activity, yet Experian will not remove the items from my report, Experian is merely ELECTRONICALLY matching my info with XXXX and Not PHSICALLY investigating. I have tried to resolve this matter with Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Account XXXX 1. The Consumer debt was sold to a Non Register California Debt Purchaser XXXX XXXX XXXX XXXX XXXX based in Texas as of XX/XX/XXXX. The company does not need a license, insurance and bond to collect it's own debts from California consumers. But the company was not register of their entity with the Secretary Of State Of California to do business in California. That is the State Corporate law. I had complain to The Secretary Of State, the State Attorney and to XXXX  in XX/XX/XXXX and in XX/XX/XXXX the debt buyer removed the account from all three credit reports due to not following the California Corporate law of registering their entity. The debt is not collectible or other wise the debt buyer would still be on my credit reports. All my complaints that I had filed. BBVA Compass is avoiding my complaints regarding the issue..

2. BBVA Compass had abused my credit files. I had attached all three credit reports from XX/XX/XXXX through XX/XX/XXXX and a few from XX/XX/XXXX to the complaint. I had sent the same reports to BBVA Compass by email and it was ignored. I would like for BBVA Compass to take a good look at all 3 credit reports and let me know what you see. The account is not reporting accurately and it should had been stopped in XX/XX/XXXX when the account was sold. I had filed a dispute and the dispute took more then 30 days. The Account should had been removed from all credit reports. If you have any question please let me know. I hope and pray that you would have compassion and see that my credit reports been misused. It is only fair that the account be removed.

BBVA Compass had said many times in other complaints and emails that they don't have any records of BBVA Compass reporting the negative account on their system. That is why they can not send me copies of the records of when BBVA Compass reported the negative account in Jan through XX/XX/XXXX. It is my word against BBVA Compass because I got the proof of the misused of credit reports. Why deny it? All my complaints that I had filed. BBVA Compass is avoiding my complaints regarding the issue..

3. Because the account is in my name that I did not apply personally online for the consumer credit under a faults income ie Business Projection Income of {$100000.00} to start a business that was less a year old. My income yearly {$10000.00} XXXX  XXXX. BBVA Compass knew that. BBVA Compass business partner XXXX XXXX  goes online five days a week filling out personal credit application for clients with many banks. If approved BBVA Compass has another costumer. I got proof. All of that should be against the law.

PS I had requested the contact info to the collection manager and it was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA

Complaint narrative:
The company is Mercantile XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX COLLECTING for XXXX XXXX XXXX They claim I owe them around XXXX, this is not my debt and I didnt authorize or ask for this credit card. Please remove debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX IS REPORTING ON MY CREDIT XX/XX/2016 ACCOUNT NUMBER XXXX THIS COLLECTION IS NOT MINE. I WANT IT OFF ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX made an agreement with me to take off a debt if I paid it in. 

On XX/XX/XXXX, I paid the debt. 

After checking my Credit Report, they neither notified XXXX/ XXXX XXXX of the debt being paid off, nor took it off my Credit report. 

When I called XXXX XXXX, they told me it was not their responsibility to tell the Credit Agencies, nor XXXX XXXX that I paid the debt, But it is still there. 

I am including both my letter and proof of payment. 

Account name XXXX/XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$1200.00} written off. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Sold to XXXX XXXX Type Charge Card Terms NA Credit limit or original amount {$800.00} High balance {$1200.00} Monthly payment {$0.00} Recent payment amount {$100.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Purchased by another lender. 
Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX  ran a hard inquiry on my credit. The creation of my new joint checking account with the Bank was completed on XX/XX/2018. However, as I was signing up for the joint checking account there was no note that a hard inquiry would be ran in order to approve the creation of the account. This unauthorized inquiry into my credit has lowered my credit score. Additionally, I have attempted to fund my account and have started auto-deposits from one bank to XXXX XXXX, and have yet to see it be reflected in my account. To date I have funded the account with {$500.00} that appears as deducted from my origin bank account but does not appear in my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
3 times now I have tried to pre-pay on the principle and instead of applying to the principle they put the money to future payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Equifax was given a second dispute on XX/XX/XXXX in regards to a XXXX XXXX charge card that was opened fraudulently in a identity theft event. 
The person was charged, found guilty, ordered to pay restitution XXXX XXXX agreed to close and delete but never did in XX/XX/XXXX. 
I once again disputed it with credit bureaus in XX/XX/XXXX. The other bureaus deleted it and sent me a letter to say it was corrected and deleted. 
Equifax never responded. 
I called to ask what the outcome was and they state they see the dispute but can not find the outcome or information in system of the person who collected the data-just it was a open dispute since XX/XX/XXXX. They want me to restart process which I think is not legal. 
They show the claim, they have no response-and its beyond 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have been in dispute with Ditech ( mortgage lender ) since XX/XX/2018. My XX/XX/XXXX payment was taken from my bank account but never reflected to my mortgage account. The amount in dispute is {$1700.00}. I have submitted all my documents both uploaded and again sent certified mail on XX/XX/18, after several attempts to resolve. I was asked to fax my documents only to run in to the issue where their fax machine either rings off the hook or a busy signal. I have been in constant communication with them both in writing and verbally. 

To add insult to injury, I am now getting Collection calls from XXXX, my so call agent after she knows that I am currently in dispute with them. I have never, ever received a collections call for my debts, especially from Ditech. 

It gets better, I buy my homeowners insurance through them, and I have now been threatened with cancellation due to this horrific mess that is still unresolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Although there is no balance, Credence clients report past due amounts for collection. 
On XX/XX/2018, I received a Demand Letter for payment for a company that I do not owe anything to. They should check with Creditor for accurate reporting before they attempt collections. I am really exhausted with responses to this company sending Demand Letters for accounts that were paid and/or did not have a balance. I DO NOT OWE ANY MONEY TO XXXX AT ALL. I am requested make a payment for an amount but XXXX has called me several times to return and I did not have a balance.

Company response to consumer: Closed with explanation