vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Abbott Osborn Jacobs PLC
State: MO

Complaint narrative:
I have received debt collection letters from the following firms : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and Abbott Osborn XXXX PLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Regarding a collection for debt with the following information : Creditor : XXXX XXXX I, XXXX Prior Creditor : XXXX XXXX XXXX/XXXX  Account No : XXXX XXXX  Account No. : XXXX Current Balance : {$4600.00} Abbott Osborn XXXX File Number : XXXX I have sent two dispute letters to XXXX XXXX XXXX XXXX and one dispute letter to Abbott Osborn XXXX PLC. 

I do not have any responsibility for the debt they are trying to collect. 

XXXX XXXX XXXX XXXX sent me a copy of a bill from XXXX with the Account Number XXXX as a verification of debt. This bill was addressed to : XXXX XXXX XXXX XXXX LA XXXX This is not my address and has never been my address. They are sending these collection attempts to the wrong person. 

In addition, I pulled my credit report from each of the three nationwide credit reporting companies XXXX, XXXX, and XXXX. These companies have no record of Inquiries from XXXX XXXX XXXX in my credit history. Also, these companies have no record of a XXXX XXXX XXXX/XXXX   account belonging to me in my 26-year credit history. 

This debt does not belong to me but they are continuing to attempt to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MA

Complaint narrative:
XXXX sold me 2 new cell phones without letting me know that they were adding an extra line to my account. When i found out about this, i went and returned to the cell phones to them. I have a receipt for the returns. I was very upset about what they had done, so i closed my account with them as well. 

They sent my account to collections, even though they owe me a credit of {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX I had run into financial difficulties. I contacted my lender and asked to change my payment date so that I had time to catch up. They agreed and sent me a confirmation and I paid off my loan. Now eight months after the fact they're trying to report me late for that month to the credit bureaus and taking zero responsibility for their actions. I want these people held accountable. This is unfair to 1. Report something falsely and 2. Report it 8 months after the fact especially since the account is paid off anyway. It's a slap in the face to people who are rebuilding their credit. This takes 3 years of good progress in building credit after a bankruptcy and throws it in the trash.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I signed up for a 7-day trial with Transunion. However, they charged a {$26.00} Subscription Fee for 3-Burea Credit Monitoring on XX/XX/2020 without my consent, and without providing the the service reporting.

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 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
Date : XX/XX/2018 Amount : {$1900.00} I contacted the apartment complex on multiple occasions to get this debt removed from my credit reports, and I didn't get a response. The debt was paid for with my tax refund check and it hasn't been reported to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
I move and asked for my final bill be sent to my new address and nerver recieved a final bill to date. This was put on my XXXX and I disputed it and it was  taken of my credit report. Now they sent it to Southwest Credit and they are calling me at work. XXXX XXXX needs to be investgated on there billing procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cottonwood Financial Ltd.
State: KY

Complaint narrative:
A company XXXX XXXX called my number asking for my wife. 

XXXX associate says his name is XXXX XXXX - phone # XXXX I tried to call this number back and a recording says it's a non working number. 

He gave me a case # XXXX Says it is a Formal Complaint originated XX/XX/2014 and did not want my wife to miss her court date. 

Proclaims she got a loan from the The Cash Store. 
Originated XX/XX/2014 Debt proclaimed owed= {$1000.00} My wife nor I have never requested a pay day loan. 
He said that the birthdays do not match and the social did not match. I only gave the last 4 of my wife 's social. 
He said the complaint was for XXXX XXXX at our correct address, but birthday and social did not match and he would clear it up. This was the end of the conversation I am worried this is a scam and I gave to much information. My wife also received a similar call last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have recently applied for a home equity line of credit from Wells Fargo with the intention of putting a small addition on my house. I have banked with Wells Fargo for about 10 years and use their internet portal to manage my accounts. This service provides a real time credit score. For me this number is XXXX ( screen shot included ). This number lured me into a false belief that I had excellent near perfect credit. Based on this number I applied for a loan with Wells Fargo with high confidence. After applying for the loan I learned 2 things. First, Wells Fargo does not use the number they show you to rate your credit on loan applications ( bait and switch ). Second, I had a small problem with my credit, an unpaid portion of a medical bill ( XXXX $ ) that was in collections and had knocked my real credit score down to XXXX a 139 point delta against me. If Wells Fargo had been showing me an accurate number I would have suspected a problem and been able to correct it. Instead Wells Fargo has been showing me an elevated number and I applied for a loan with false confidence that will now cost more because of a higher interested rate based on my lower credit score. Wells Fargo is acting in bad faith.

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 2020-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Mother stablished a Trust Fund ( Trusts name : XXXX XXXX ) with Merrill Lynch XXXX  office, on XXXX, with specific instructions ( wishes ) that the trust ( money ) should be distributed in equal parts with her heirs after the decease of our father, that happen las XX/XX/XXXX we contact them 2 days after XX/XX/XXXX and since them all we have hear from them are not really reason why they have not met the wishes written on said trust. 
Emails of people Involved, XXXX Trustee XXXX officer of Merril Lynch in 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 2020-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
I have received debt collection letters from the following firms : Cavalry Portfolio Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Regarding a collection for debt with the following information : Creditor : Cavalry SPV I , LLC  Prior Creditor : XXXX XXXX XXXX Account No : XXXX XXXX XXXX No. : XXXX Current Balance : {$4600.00} XXXX XXXX XXXX File Number : XXXX I have sent two dispute letters to Cavalry SPV I , LLC and one dispute letter to XXXX XXXX XXXX XXXX. 

I do not have any responsibility for the debt they are trying to collect. 

Cavalry SPV I , LLC sent me a copy of a bill from XXXX with the Account Number XXXX as a verification of debt. This bill was addressed to : XXXX XXXX XXXX XXXX LA XXXX This is not my address and has never been my address. They are sending these collection attempts to the wrong person. 

In addition, I pulled my credit report from each of the three nationwide credit reporting companies XXXX XXXX and XXXX. These companies have no record of Inquiries from XXXX XXXX XXXX in my credit history. Also, these companies have no record of a XXXX XXXX XXXX   account belonging to me in my 26-year credit history. 

This debt does not belong to me but they are continuing to attempt to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX XX/XX/2019, in XXXX, NC, my credit card was stolen. A {$150.00} charge was fraudulently made with the card. Bank of America refuses to refund the {$150.00} amount, claiming that the card was in my possession because " The chip was read, your [ my ] PIN was entered, and/or you [ I ] signed for the merchandise. '' On XXXX XX/XX/2019, my credit card was stolen, taken from my hand, by a young woman at a XXXX gas station ( on XXXX XXXX, XXXX, NC ). I immediately drove to the nearest Bank Of America Banking Branch ( XXXX XXXX, here in XXXX, NC ), followed all instructions given by the branch officer, and filed a fraudulent use complaint while at the bank. 

My credit card was stolen ; therefore, any fraudulent use would include reading of the chip. 

I have never used a PIN in association with this credit card. I have no knowledge of a PIN associated with this credit card. 

I did not sign for any {$150.00} purchase associated with this or any other credit card. Nor have i ever purchased any items from this retailer ( reported on my online statement of account transactions as XXXX, on XXXX XXXX XXXX. 

Once i returned home, my son viewed by account transactions, online. There was a charge for {$150.00} made at an area XXXX, and a denied charge at a gas station. Bank of America refuses to correct this {$150.00} charge. We ( my son and ) went to the XXXX and was given a receipt record of the purchase. The young lady foolishly used her rewards account with the purchase. We forwarded this receipt, which contains the young lady 's name, to Bank of America. Bank of America has yet to address or even mention this receipt. 

Your help in resolving this injustice will be greatly appreciated.

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 2020-02-21 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: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I have reach out to both companies and disputed both items and stated its showing duplicate on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: A & O Recovery Solutions, LLC
State: GA

Complaint narrative:
I have reach out to both companies and disputed both items and stated its showing duplicate on credit report.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
2 major issues.

1. I opened a number of XXXX XXXX card with Citi for promotional offers, I met the terms and the bonus miles were in my XXXX account. XXXX XXXX closed my account because they said citi paid out too many bonus. 

2. Some of the benefits of my citi executive mastercard which has a {$450.00} fee are free checked baggage and access to admirals club lounges. None of these benefits are being honored due to the XXXX XXXX account being closed I attempted multiple times to have citi either correct the issue to honor the benefits or close my a citi executive account ending in XXXX and refund {$450.00} annual fee. 

They just keep telling me to call XXXX XXXX This doesn't even address the hundreds of thousands of miles I lost with XXXX XXXX due to citi

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 2020-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I have been disputing an XXXX XXXX account, acct number XXXX for a while. The credit agencies will not allow me to dispute even though this account is incorrect. I sent a dispute to the creditor and they were not able to prove that this account was mine. They sent me back a bill, which by law does not equate to proof. They have NOTHING with my signature. I sent this to the credit bureaus and they disregarded the info. They have sold the account and the creditor and agencies will not remove. This information is inaccurate and costing me. This debt HAS NOT been properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
MIDLAND CREDIT MANAGEMENT After recieving my sworn testimony ( Affidavit ) Midland Credit Management notified me in writing ( attachment ) that they have opened an investigation and are awaiting documents from the Original creditor. This could take up to 90 days. During the process of this investigation, this account should not be reporting on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I have been disputing an XXXX XXXX account for a while. The credit agencies will not allow me to dispute even though this account is incorrect. I sent a dispute to the creditor and they were not able to prove that this account was mine. They sent me back a bill, which by law does not equate to proof. They have NOTHING with my signature. I sent this to the credit bureaus and they disregarded the info. They have sold the account and the creditor and agencies will not remove. This information is inaccurate and costing me. This debt HAS NOT been properly verified.

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 2020-02-21 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a balance due of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than what was owed and consequently there should be no outstanding balance due. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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:
XXXX ; XXXX and Transunion are reporting incorrectly a balance due of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than what was owed and consequently there should be no outstanding balance due. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-21 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: TX

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a balance due of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than what was owed and consequently there should be no outstanding balance due. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Made {$2500.00} payment with all extra to be applied to principal. Normal payment is approximately {$650.00}. This is 6th time time in the last year BMO Harris Bank has NOT applied extra principal or in this case the extra principal payment has disappeared completely from the payment. This last happen around XX/XX/18 where I filed a complaint with the Consumer Financial Protection Bureau. Complaint # XXXX. I have reached out to BMO Harris at my local branch, but they are having no success with corporate office on rectifying the problem. I have to believe they have either singled me out for harassment or the problem exists with thousands of BMO Harris mortgage holders. In either case there should be an external audit of their mortgage department. I am forward this complaint to the Attorney General of Arizona and the Illinois and Arizona Division of Financial Institutions.

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 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: MS

Complaint narrative:
I have had an existing account with Conns XXXX XXXX which I have paid on for the past four years. IN early XX/XX/XXXX I came into some money and decided to pay off all my loans including Conns. To assure I paid the full amount owed, ( I pay installments through online banking with XXXX XXXX  ) I called each company and got a precise payoff and to make sure the full amount was paid, sent approximately {$10.00} more on each than was quoted as owed. Conns advised me that I owed {$970.00} on the debt. I sent them {$980.00} on XX/XX/XXXX and of course I can verify this. To date, I have received regular calls stating that my debt was never paid and I am behind in payments. I have talked to them personally on five different occasions, in one of which I was advised by someone in their accounting department that the payment had been applied to the wrong account but I was assured it had been fixed and I would receive no more calls since it had cleared the debt. I continued to receive calls and on one occasion approximately three weeks ago, after a heated exchange with one of the accounts, ( XXXX, was the only name she gave ) was assured once again that the debt would be closed as paid and I would receive a letter from Conns to this effect. I never received a letter as stated but I did receive another letter today, XXXX XX/XX/XXXX, stating that my account was past due and I owed a past due amount of {$210.00}. It is as if Conns deliberately disregards all my attempts to get this resolved and continues to browbeat me into paying more money. I have filed complaints with the credit bureau and have written three separate letters to Conns truing to get this resolved. I have proof of payment on the XX/XX/XXXX, copies of all commuications wiht Conns and coipies of all communications with the credit bureau.

Company response to consumer: Closed with explanation