vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
-Last year I discovered a derogatory mark in the form of a missed payment for a medical bill I was not aware of. 

XXXX XXXX had incorrectly coded an appointment that should have been filed as a preventative appointment which XXXX confirmed as something that should have been fully covered under my student health insurance plan. 

-Both XXXX XXXX and XXXX at this point confirmed over the phone that this bill was incorrect but that the bill had been sent to Bull City Financial Solutions . 

-I disputed the bill with Bull City Financial Solutions and disputed the debt collection through XXXX   XXXX ; however, I was surprised to find the debt collection still outstanding on a recent credit check. 

-Upon speaking with Bull City Financial Solutions over the phone, they had recognized errors with the account but were unwilling to change anything. 

-On XX/XX/2019, I sent a letter through certified mail agreeing to pay the debt in full ONLY if they agreed to send a letter that would remove the debt from the reporting credit bureaus upon my payment. Within this letter, I explicitly stated the debt is not mine and that this notice was not a guarantee of payment unless those conditions previously stated had been met. 

-I called Bull City Financial Solutions again on XX/XX/2019, upon receiving no response or notification of receipt in regards to my letter. They told me Bull City could not send a letter or any written notification back to me and that I would have to take " their word for things '' after I pay the debt. 

-In summary, Bull City Financial Solutions reported a debt to the credit agencies without my knowledge, told me false information repeatedly, admitted to errors on the specific account, and has largely been negligent in their handling of the account even after my willingness to pay for a debt that should have never existed in the first place. Additionally, Bull City Financial Solutions is now demanding more money for the debt collection than the original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
NO CONTRACT WHATSOEVER WITH ANY OF THE " SUPPOSED '' ORIGINAL CREDITORS LISTED BELOW, XXXX XXXX, OR XXXX XXXX. Recently, I received ANOTHER copy of my Trans Union report and to my surprise found that these accounts are STILL being reported by Trans Union. I have NO knowledge of these accounts. I DO NOT have NOR HAVE I EVER had a contract with XXXX  XXXX, XXXX XXXX, or any of these companies listed ( " supposed '' Original Creditors ). AGAIN, I am a victim of identity theft. These accounts are a result of identity theft. I am AGAIN disputing the following accounts!!!!!!! 

XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX These listed accounts are unsecured debts and the original creditor ( s ) NEVER had a contractual agreement with me. WHATEVER claims of a contractual agreement indicated by the original creditor ( s ) NEVER existed and therefore was cancelled. The original creditor ( s ) sold the account to XXXX XXXX and wrote it off on their corporate taxes as a loss and therefore had/have no claims against me. PLEASE DELETE AND BLOCK!!

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 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, Bank of America N.A. Closed 2 of my Long term Credit accounts which I have had with the Bank for over 5 years. I received a letter in the mail a few days following detailing the reason why this action was taken. In the letter I received, Bank of America claimed that due to my action of adding " Authorized Users '' onto the account I was subsequently shut down because of this action in line with other " Economic Trends '' I have been a customer with Bank Of America for over 5 years now, since high school as a matter of fact. It was my first credit card with the bank which also was the longest running credit line in my credit profile. I called the Institution to question their motive when this decision was made. I was not given a specific reason despite my long tenure with Bank of America. Aside from the frustration, One of the cards is supposedly still open with the bank however, I can not use the line of credit, Will have to pay interest and fees yet the product itself is unavailable for me to use! In they're terms Of Service agreement, Bank of America States you may have up to 10 Authorized Users on a given account. 

I did not have nowhere near that number yet the bank decided I was too much of a risk despite my long history with the institution. It is woefully ignorant in this modern age for a Bank of this stature to not even so much as Call or text the customer given this decision. I am at a complete loss as to why this bank would do this when I have never had a single late payment and never have had any other issue in the past.

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 2019-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Credit & Finance, Inc.
State: CA

Complaint narrative:
Hello, I would like to complain about the debt collection from the agency XXXX XXXX XXXX. I was a cosigner for a former friend, who had a XXXX. She opened up an account to make payments on a credit on XXXX, XXXX with the company, XXXX XXXX, but needed a cosigner just in case the payments were not met. She made it seem like she was responsible enough to make them, so I said yes.I was not aware of the documents and the requirements to be one, and she knew of this and took advantage of the situation and filled out my information. I was not aware she was supposed to hand me documents and she forged my signature. Saying yes to be a cosigner were just words, but it being signed and dated by the actual person or to have it in writing by my permission of course are two different things. What if I had changed my mind? I was young and was only saying it to be a good friend. I was not aware she topped making payments until the debt collection company, Atlantic Credit & Finance Incorporated contacted me in XXXX, XXXX after she stopped making payments.The debt collectors turned to me and my information and started asking me for payments on XXXX of XXXX for about {$9800.00}. I have called and spoken to people from XXXX XXXX and Atlantic Credit. I told them I did not sign any documents pertaining to the documents needed to sign for a cosigner and even disputed the account in XXXX, XXXX, but it seems like they can not do anything to remove my name and my information from being a cosigner. I reached out to Credit people from XXXX  in XXXX, XXXX, to explain the situation and they refused to give me any information on the account, even though I am the supposed cosigner, but because I am not the primary account holder, which would be my former friend in debt. They have been sending my letters in the mail with her name on it, asking for {$7500.00} and have called me on several occasions. Also, I do not know the company 's location where she got her XXXX, because they have refused to give me that information as well. Thank you for your time

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 2019-04-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX has neglected to remove themselves from all three of my credit reports. They have sold this debt to another creditor and are NOT collecting on any debt in my name. CRA policy instructs debt collectors to delete their reported collection if they no longer have active collection authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 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: OK

Complaint narrative:
I have had two XXXX and applied for social security when I turned XXXX. When I turned XXXX, I needed to confirm my SS account to obtain a copy of my XXXX card, and went to the SSA.gov website. I was asked about two loans that I did not recognize, 1 ) a bank/auto loan from XX/XX/XXXX, and 2 ) a bank/auto loan from XX/XX/XXXX. 
I have requested a mailed copy of my credit report from XXXX, but am concerned there has been fraudulent activity ( by a neighbor upon his release from prison ) using my social security number that is now showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Hello - In XXXX of XX/XX/2018, my mortgage was transferred to another company. There were 2 payments not applied to my account during this process ( end of XXXX/beginning of XXXX ). I have bee trying to work this out with the current mortgage company since mid-XX/XX/2018. I have sent banking info for the ACH withdrawl 's and tracing info from my XXXX account to XXXX. Emails and calls are simply transferred to a different department and they tell me either no one can assist or they will look into it. It has been 4 months and I have gotten no where. 

Payments are still made to XXXX ( via mail now ), but the below is who the account was transferred to ( email XXXX ; XXXX ) : XXXX Dovenmuehle Mortgage , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ID # XXXX, Ref # XXXX XX/XX/XXXX XXXX ID # XXXX, Ref # XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I submitted a disputed with Experian on XX/XX/2019. And now after a complaint last week, they want to investigate this dispute after more than 90 days. I send a letter in XXXX, XXXX and 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 2019-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER REVIEWING A COPY OF MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT. THE ACCOUNTS DISPUTED ARE INACCURATELY PLACED ON MY CREDIT. PLEASE RE-INVESTIGATE AND HAVE THE DISPUTED ITEMS OFF 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 non-monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
I received from you the following statement : XXXX This case was closed. 

This complaint appears to be about the same issues as your earlier complaint. 
This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. 

Keep track of the original complaint numberXXXXso you can track its status and receive the company response on your Consumer Portal or by calling us. 

HOWEVER, THE CLOSED ACCOUNT IS WITH " REMITLY '' AND THE SECOND IS WITH " XXXX XXXX. '' Both vendors refused to accept my transfers. 

XXXX XXXX did something to blackball my name. Remitly accepted my transfer than one day later returned money and fee to my checking account. Remitly then closed my account. 

Something is wrong somewhere. Please find out why REMITLY acted in such an unprofessional way. Why did they act that way? Get their reason and we will begin to get a handle on the problem. 

I tried calling both XXXX XXXX AND REMITLY without any success. Both companies don't make it available for me to talk to the individual that can slove my problem. And that's the reason I come to you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: WI

Complaint narrative:
I reached out to US Bank in XX/XX/2018 multiple times about issues with fraudulent activity on my account. They fixed most of the issues and got me back to a XXXX balance atleast. I was fed up with the customer service and issues I was having. I switched banks and closed my account in XX/XX/2018. They said it was closed but then I found out months later it was negative and wasnt closed and they had sent for collections on the account. The account should have been closed when I requested it.

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 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
This debt was added to my credit reports and I contacted them to resolve and they will not remove it. It was sold to a collection agency who will not stop trying to contact me after I asked them not to anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) was included in my BK Chapter XXXX underneath the collection agency they put the debt under. They were discharged and did not update the status of the account to correctly reflect its Bankruptcy status nor the balance at {$0.00}. They violated the laws in which I was protected under Bankruptcy both during and after. 

I disputed this information with TransUnion when my discharge was released on XX/XX/2019. On XX/XX/2019, they decided to respond to the dispute in a number of ways that violated my rights under the Bankruptcy discharge as follows. 

1 ) by pretending their company had a name change from XXXX XXXX XXXX to XXXX XXXX XXXX/XXXX, n/a to place this debt BACK onto my report after it was successfully updated and removed, putting the debt protected under a open bankruptcy case BACK onto my report and, 2 ) proceeding to put in the comments the debt was transferred and charged off as a debt debt and a Delinquent Account. All of which was incorrect. 

As a result of their inaccurate reporting, this caused my score to drop points and negatively impacted my ability to rebuild my credit. 

This type of blatant disregard for obvious policy and procedure regarding how bankruptcies are to be reported both during and after the proceedings is unacceptable. 

The FTC clearly stated : Section 607 ( b ) of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In our view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " charged off as bad debt '' if the account was open and not charged off when the consumer filed bankruptcy. Such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so.

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 2019-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I mailed TransUnion a disputed letter XX/XX/2019. After more than 30 days, a follow-up letter stating that they didn't response within 30days I'm asking TransUnion to remove these accounts in question.

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 2019-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
please see handwritten attachment ( scanned ) labeled 1 on side ( notebook paper ) and should be  XXXX to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SLM CORPORATION
State: VA

Complaint narrative:
Savings account on XX/XX/XXXX, was told it would take a long as 30 days for balance refund. Called Bank on XX/XX/XXXX to advise did not get balance refund, was told that check was mailed out on XX/XX/XXXX, but the Bank would need to investigate. 

XX/XX/XXXX Bank called to say they would stop payment on the lost refund check and reissue check, will take another 30 days, I asked for the check the be expedited, they refused. This is really poor service to wait 60+ days for a balance ( {$31.00} ) to be refunded.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
This debt was added to my credit reports and I contacted them to resolve and they will not remove it. It was sold to a collection agency who will not stop trying to contact me after I asked them not to anymore. 
This account from XXXX was from a previous employer. I ported my number and have no association to this business account. I was never the owner of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have had two XXXX and applied for social security when I turned XXXX. When I turned XXXX, I needed to confirm my SS account to obtain a copy of my XXXX card, and went to the XXXX website. I was asked about two loans that I did not recognize, 1 ) a bank/auto loan from XX/XX/XXXX, and 2 ) a bank/auto loan from XX/XX/XXXX. 
I have requested a mailed copy of my credit report from Experian, but am concerned there has been fraudulent activity ( by a neighbor upon his release from prison ) using my social security number that is now showing 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 non-monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Some payment statuses dont show accurately. This is affecting my credit reporting payments percentage. Should all show current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER REVIEWING A COPY OF MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT. PLEASE RE-INVESTIGATE AND HAVE THOSE INACCURATE ITEMS OFF MY CREDIT FILE.

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 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX XXXX ext. XXXX Has been calling any person they think I know saying that I haven't paid a credit card bill and also how late I am and how much owed. The last person they called I have not been associated with in over 16 yrs, which was my child 's father. This is very embarassing to have my business told to someone that has nothing to do with my life and living situations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
Account was listed on my XXXX credit report on XX/XX/2019. 
Debit Recovery Solutions Collections claiming I owe {$310.00}. I do not know this company. I have never received documentation to validate my debit.

Company response to consumer: Closed with explanation