vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
SunTrust bought my mortgage. I tried to set up recurring payments online. I accidentally went on the 'one time payment ' page and when I realized it I tried to cancel and go to the 'recurring payment ' page. It asked if I wanted to cancel and I clicked 'yes '. Then I set up a recurring payment. It was then that I realized SunTrust had taken two payments. My wife and I have spent several hours this week trying to get the second payment back by jumping through all of the hoops SunTrust required to prove the transaction happened-DESPITE THE FACT SUNTRUST SENT US NOTIFICATIONS THAT IT HAD RECIEVED BOTH PAYMENTS!!!! I even went to a branch of the bank from which the funds were transferred ( XXXX XXXX ) and got a printed statement and a signed letter from a bank manager stating that the funds has been dispersed. Today I called SunTrust and they told to me to fax them the documents. After redacting everything on the XXXX XXXX statement - except my name, account number, and the transaction amounts to SunTrust - I faxed it to them. A representative just called back and said they wouldn't refund my overpayment unless the document showed my checking account balance after each of the transactions to make sure it wasn't a negative balance. I asked why, if they had received both payments, they would care if it was a negative balance ( XXXX, it was not a negative balance ). She couldn't answer that. I said that was private information between me and my bank and was none of SunTrust 's business - ESPECIALLY since they had received and deposited both payments. I asked if she would want to show a third party any balances on her banking accounts. She answered, " Yes, if I wanted to get my money back. '' Isn't that called blackmail? I sent them the information they requested but I feel that they have gone way too far with this request/issue by delving into my personal information they have no right to. I have now XXXX SunTrust and am shocked by the number and scope of the complaints against this bank. If I was rich I would pay off this mortgage right now just so I would never have to hear/see the name of this unscrupulous bank ever again!

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 2018-10-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax never fix an error/inaccurate information that I'm disputing on my credit report account. They keep sending me letters back after my dispute stating its been verified. How was it verified? Who verified it? Do you have a contract in writing with my signature on it? I ask the question all the time, and I never receive a straight answer or any proof back. Equifax is committing a CRIME. They falsified my address disputes and never deleted the address. I have sent them proof of address which was my electric bill. I received my investigation letter back on XX/XX/XXXX and they still didn't delete or verified anything. They would send me a copy of the investigation with deletions. I'll go check my report and there still there ... .never deleted. Then they added a wrong address on my report, which I never ask them to do. I've been disputing my inaccurate addresses, inquires, and accounts XXXX XXXX inaccurate, XXXX XXXX XXXX inaccurate, and XXXX never was 30 days late. I disputed accounts on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and it seems as though nothing is getting done. Under the Fair Credit Reporting Act the credit bureaus must prove that the accounts are mine. They have not proven anything since I've been disputing, and I've been disputing for over 3 months. They are committing a CRIME and I'm going to seek justice. I've tried reaching out to them but nothings getting done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This account was paid off In XX/XX/2017. Since then I have been contacted by Three different  collection agencies regarding this bill. I do not owe this, I've been asked to provide proof, but in the last 3 years I have had someone stolen my identity and no longer keep personal information on hand. Since then I have had them contact me and then they started calling my mother who had nothing to do with this account. I felt violated and embarrassed that my family was now involved in a matter that is wrong. They have contacted her more then once and I finally called them back to stop calling her, when I spoke to her she started getting rude and telling me to pay up. I do not owe this amount and I wish they would correct this. Since my identity has been compromised in the past I feel that is is going to reoccur since my information is being bounce from company to company on a debt that I do not owe. I've been contacted by the following companies over a bill I do not owe. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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: VA

Complaint narrative:
XXXX XXXX did a hard pull on my credit file without my Authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I write them a letter but I never get any response back. I believed that the address on file is not correct. I disputed with TransUnion, they refused to remove the inquiry. 
The inquire name is XXXX and it was reported to my TransUnion report on XX/XX/2018.

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 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Written 2 validation letters and sent certified mail to TransUnion & XXXX regarding incorrect accounts ( XXXX, XXXX XXXX, XXXX ) reporting on my credit and never received anything back except my credit report. It has been more than 90 days.

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 2018-10-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Selene Finance LP
State: OH

Complaint narrative:
QWR Qualified Written Request Notice of Error LOAN XXXX OWNER XXXX XXXX LAST S.S. XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX, OHIO XXXX IN XX/XX/2012 WHILE THIS PROEPRTY WAS UNDER A FEDERAL STAY THE LOAN SERVICING COMPANY XXXX VIOLATAED MY BANKRUPTCY RIGHTS BY ADDING ON PAYMENTS TO THIS LOAN FOR FORCED PLACED FLOOD INSURANCE AND HAZARD INSURANCE PAYING OFF A TAX PAYMENT CONTRACT THAT IS PART OF THE DEBTORS CONFIRMED BANKRUPTCY PLAN AND ASKING FOR THAT MONEY IN A ESCALATED PAYMENT NOT IN THE PLAN. THE DEBTOR HAS BEEN FORCED TO MAY ATTORNEY FEES AND CHARGES ON THIS LOAN THAT HE SHOULD OF NEVER BEEN CHARGED PER THE BANKRUPTCY PLAN AND FILING. NOW I AM ASKING SELENE TO INVESTIGATE THE HISTORY OF THIS LOAN AND JUSTIFY XXXX XXXX CONCERNS IN THIS CFPB COMPLAINT. SELENE RECEIVED THIS LOAN FROM XXXX   WITH ERRORS AND HAS NOW ADJUSTED THE PAYMENT TO THE CORRECT AMOUNT OF {$260.00} BUT HAS REPORTED TO THE CREDIT BUREAU THAT XXXX XXXX WAS LATE TWICE ON THE PAYMENTS WHEN INFACT XXXX XXXX HAD PAID THE CORRECT AMOUNT ON TIME AND SELENE AT THAT TIME OF PAYMENTS TRIED TO REFUND THOSE PAYMENTS WITH CHECKS XXXX AND XXXX. AS OF TODAY XXXX XXXX HAS NOT CASHED THE CHECKS AND THE ACCOUNT NOW SHOWS A CREDIT. PLEASE ADVISE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
The inquirer name is Suntrust Bank DBA XXXX and XXXX of XXXX XXXX. the inquiries took place on XX/XX/XXXX and XX/XX/XXXX respectively.. I contacted both XXXX, Suntrust, and XXXX to removed the inquiry. Suntrust has not gotten back to me and XXXX has sent me this letter explaining why the inquiry happened but failed to show proof that I was the one who request for my report to be viewed. XXXX also has fail to provide me with any evidence of such inquiry request made by me. I'm therefore disputing the validity of this inquiry.

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 2018-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CA

Complaint narrative:
This account was paid off In XX/XX/2017. Since then I have been contacted by Three different collection agencies regarding this bill. I do not owe this, I've been asked to provide proof, but in the last 3 years I have had someone stolen my identity and no longer keep personal information on hand. Since then I have had them contact me and then they started calling my mother who had nothing to do with this account. I felt violated and embarrassed that my family was now involved in a matter that is wrong. They have contacted her more then once and I finally called them back to stop calling her, when I spoke to her she started getting rude and telling me to pay up. I do not owe this amount and I wish they would correct this. Since my identity has been compromised in the past I feel that is is going to reoccur since my information is being bounce from company to company on a debt that I do not owe. I've been contacted by the following companies over a bill I do not owe. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 2018-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Altisource Portfolio Solutions, S.à r.l.
State: VA

Complaint narrative:
They call all day and all night they never answer when I pick up and they never answer when I call.

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 2018-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
The original debt was with XXXX XXXX XXXX more than 10 years ago. Per FCRA and FDCPA any debt older than 7 years is released per statue of limitations. XXXX XXXX XXXX to keep harassing me has sold the debt to multiple parties such as XXXX XXXX XXXX, XXXX and now Radius Global Solution LLC fromerly XXXX XXXX XXXX. Every time they sell the debt to another collection agency, I write the collection agency and XXXX XXXX to inform them that if they keeps harassing me I will sue them. They stop harassing me for a while but then they sell the debt to another collection agency to circumvent the statue of limitation who tries to collect the debt and harass me after more than 7 years and against the law. This practice of XXXX XXXX is in violation of the law and OCC regulations. 

Current Holder : Radius Global Solutions Reference # XXXX for amount of {$3700.00} when original principal debt was {$460.00} XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
XXXX XX/XX/XXXXXXXX sent my account ( XXXX ) to A.R.M. Solutions, Inc. I received a notice from this collections agency on XX/XX/2018. My bank, XXXX mailed check # XXXX in the amount of {$63.00} to XXXX XXXX XXXX XXXX on XX/XX/2018. 
I spoke with 3 separate XXXX XXXX  representatives. One confirmed that they received XXXX check # XXXX in the amount of {$63.00} on XX/XX/XXXX. Two separate occasions I was assured by XXXX XXXX   XXXX that the account was fine and there had been a credit of {$63.00}. 
During this process, I received ANOTHER collections notice from A.R.M Solutions , Inc. dated XX/XX/2018 that read : '' Despite OUR CLIENT 'S ( XXXX XXXX XXXX ) efforts regarding the above mentioned account, this matter remains unresolved. We are requesting you make full payment. '' The payment of {$63.00} has been made and credited to the XXXX XXXX XXXX, however, A.R.M. Solutions Inc. is STILL requesting payment after having been contacted by their client XXXX XXXX. Why would they still need a payment having full knowledge from their client that it is no longer required?

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 2018-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
They call all day and all night they never answer when I pick up and they never answer when I call.

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 2018-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: NC

Complaint narrative:
On XX/XX/2018 a certified letter was sent to XXXX XXXX XXXX XXXX. The letter asked for validation of the debt. I asked for three documentations. 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears signature of the alleged debt wherein he promises to pat the creditor/XXXX XXXX XXXX. 3. Complete payment history on this account so as to prove that the amount you wish to collect is correct. XXXX XXXX XXXX failed to provide me with all the documentation that I have the right under the FDCPA to obtain. The letter that they send to me stated that it was Verification of Debt not Validation of the debt. The amount on the letter is different form what it is reporting on my Credit reports. The information that was sent to me dose not have any of the information that was mentioned in the letter with the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: CARD Corporation
State: MN

Complaint narrative:
XXXX XXXX XXXX I'm filing a complaint against card.com ... when I filed a dispute by accident they closed my whole account ... .and rejected my social security deposit ... .that put me in a financial hardship situation because it takes social security about a month. To send back out the payment to me even after I made it clear to them I made a mistake in calling them and saying I thought I didn't order pizza from XXXX XXXX then I realized I did ... order pizza the next day and they cancelled my card and shut my account down ... bottom line I never lost my card ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: COMMERCE BANK
State: IN

Complaint narrative:
I had a credit card with Commerce Bank. While I had charges on the account, I was paying the billing per the amount requested and on the due date in the approximate sum of $ 100+ per payment. I never receive any statements from this creditor and I never requested digital copies as I prefer paper copies. My card was misplaced or lost and they reissued a new card and new number. All of a sudden I have charges in the thousands, and payments in the thousands. I can not now or ever have such luxuries and would not being paying sums of money that were more than the fraudulent charges. I attempted a resolution of this account when the balance was $ 6,000+. Now the account is over $ 17,000+ and the charge limit was and is {$9000.00}. I know that I have been abused by fraudulent charges by someone, but the many thousands of dollars of payments lead me to believe that Commerce may possibly be laundering someone else 's money through my account and who knows how many others. I have no explanation other than that for what has been going on in this account, only that the charges and high payments are NOT mine. Furthermore, high amounts were charged to XXXX XXXX electronics. If I wanted something at XXXX XXXX, I would have used that charge account and not Commerce. This account makes no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
A few weeks ago I was on the XXXX website looking at a snow blower model that XXXX XXXX had recommended. Yesterday I received a XXXX credit card that I neither requested nor applied for. This morning I called the number that came with the credit card to cancel the account. The " customer service ' representative ( XXXX ) I spoke to was asking me for very personal information including my date of birth and social security number. Why in the world would they need that private information when I'm cancelling a credit card I didn't even apply for? When I resisted & questioned giving the private information she said " you mean the information we already have? '' When I refused to give my SS number the representative stated that I could either answer all of their questions or she would end the call!!!! I asked for a supervisor, she told me she didn't have one and then hung up on me. I am furious! How does this person even have a job, especially talking to customers? Is it even legal to send me a credit card I didn't apply for? I'm not sure if this is a XXXX problem or a Citibank problem ( I think they are the credit card issuing bank ), but either way somebody has a huge problem.

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 2018-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I paid a mistaken amount {$3800.00} and tried to repay for {$3600.00} after my bank rejected the insufficient funds, and it's been 8 days, and the rejection is still not reflected online. Therefore, I can not make payment and it sabotages my ability to move forward and may have made an issue in the minimum payment.

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 monetary relief
Consumer complaint received 2018-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Called the Company to address the issue about the acct. being negative not due to my doing. And outsider retrieved my information and deposited a counterfeit check which I thought was right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Sears says i was late. I don't think I was late

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 2018-10-20 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: CO

Complaint narrative:
Item is being reported to my credit report without permissible purpose. I requested that the reporting agency and creditor provento me that the account is mine, such as any document bearing my signature that I consented to commerce with their company. Despite failure to show any substantiating documents proving my ownership of this account, and my non-consent to XXXX, the creporting agency has adjudicated the claim to keep the negative item on my credit report.

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 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Written 2 validation letters and sent certified mail to XXXX  & Equifax regarding incorrect accounts ( XXXX, XXXX XXXX, XXXX ) reporting on my credit and never received anything back except my credit report. It has been more than 90 days.

Company response to consumer: Closed with non-monetary relief