vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: CA

Complaint narrative:
USCB AMERICA keeps reporting multiple collections accounts on my credit bureau for an invalid debt. The amounts are due to accounting and billing errors by XXXX after a XXXX. I paid my copayments and deductibles and the reported amounts are due to billing/accounting miscalculations. Now USCB is reporting the info under four different accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
World Omni Financial Corp has reported on my consumer report that they have charged off the amount I allegedly owe them. A charge off means " a lender or creditor has written the account off as a loss, and the account is closed to future charges ''. Which also means the company has wrote it off on their taxes as a loss which means they technically got their money back on a tax break. World Omni Financial Corp also sold part of the debt before placing it on my consumer report as a charge off. Every month they add {$41.00} to the balance on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: GA

Complaint narrative:
I had a minor in office procedure in XX/XX/2020. I kept getting bills that my insurance stated I was not covered. My insurance had received no claims from this provider. I called the billing company no less than three times but kept receiving a bill for the entire amount claiming I was not covered by my insurance. Frustrated, I went to the doctors office in person and sat down with the woman in charge to straighten this out once and for all. I sat in her office until the problem was corrected. Before I even got the new bill I was reported to the credit companies which has effected my credit for several months as derogatory. I paid my remaining balance to the practice the day I received the bill. The check was cashed on XX/XX/XXXX. I sent a copy of the paid in full check to Choice Recovery the credit collection agency. The doctors billing office has continued to deny that I am paid in full even though I have provided a copy of the check.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( THE FCRA ). Credit Acceptance Corporation violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).

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 2021-07-29 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: CA

Complaint narrative:
XXXX authorized a loan in my name that I did not request or approve. They ran a hard credit check on XX/XX/2020 and authorized a {$5100.00} line of credit on XX/XX/2020. The account is still active. XXXX has no record of my social security number attached to any accounts. They have refused to give me a written statement saying that this account isnt mine. Even after confirming that I do not have an account with them, they certified the account information with Experian. Experian will not remove this account from my credit report without a written statement.

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 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: MO

Complaint narrative:
I had a debt with Monroe and Main. The sold it to XXXX XXXX. I called to pay the balance and was told because of the state I reside in ( Missouri ) I had to pay an additional fee of {$7.00}. How does the state I reside in constitute an additional fee? I did pay it with my debit card and there is no payment pending with my bank! SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TDS Financial LLC
State: NJ

Complaint narrative:
I was called from R & R solutions based out to XXXX XXXX California last week and was told that they have mailed me paperwork, ( I did not receive ANYTHING ) they stated that XXXX schools of beauty ( Who has been out of business for YEARS because they committed FRAUD on loan applications has a balance owed from ME. 

I immediately asked if this was fraud because I went to that school over 13 years ago and I am making monthly payments through XXXX XXXX  for my student loans. 
It did not add up to me that after 13 years all of a sudden I have a " debt '' I asked for the account statement to be emailed and mailed to me with all information. 

They emailed me and the document had the name of a totally different person on it. ( VIOLATES MANY GUIDELINES ) They called me again this morning and asked about the documents, I again mentioned that this debt is VERY questionable and I requested an account statement, they said they need to know how I want to proceed if I want to be taken to court and then they will assess ME legal fees and court fees. 

I asked to have time to try to look into this matter on my own.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have been trying for a week to get a mini statement showing proof that I have the money in my account to purchase my house. I opened this account online as I am moving to XXXX XXXX  and needed a local bank. 
I have been in XXXX  and am currently crossing the country by XXXX  so I can not go into a physical location. 
All I need is proof of funding that my $ XXXX is in the bank so my home loan can proceed. 

First PNC told me they could not get me a mini statement except by mail or physically being in a location. Then they said they would email, but 5 phone calls and 25 hours later later and the email still hasnt gone through. Then they said they would fax it maybe sometime today after they told me they could, then they couldnt, then they could fax the mini statement. Im beyond frustrated. 
Here I am after hours on hold STILL waiting for a mini statement. 

This is unconscionable. I should be able to get verifiable proof that PNC has my funds any time I need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
Over the course of the 8 months of having a car loan through American Credit Acceptance, they have incorrectly reported my payments every month. I have done several disputes and they fix the item being disputed but change another month ( or months ) incorrectly. 

Dispute on XX/XX/XXXX was to update my XXXX payment to current as it was showing 30 days past due. XXXX was updated and XXXX was changed to 30 days past due. 

My score went down 55 points on XX/XX/XXXX because ACA then reported that I opened the loan in XX/XX/XXXX ( it was opened in XX/XX/XXXX ) was 30 days late for XX/XX/XXXX and XX/XX/XXXX and 60 days late for XX/XX/XXXX and XX/XX/XXXX ( XXXX  shouldnt have even been reported yet ) and that I had a balance of {$18000.00} ( which was {$15000.00} to much ) another dispute was done on XX/XX/XXXX. They updated everything but failed to update that my account had been closed and paid in full. 

The most recent dispute was requesting the account to show closed and paid in full, which they updated to just show me 30 days past due for the month of XXXX and XXXX. XXXX has been marked current all this time and they are now claiming I was 33 days late paying XXXX. XXXX was paid on time. 

I have not been able to get myself into another vehicle because of this inconsistent incorrect reporting over the past 3 months to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Regarding CITI bank credit account in my name, I got a court order to prove the debt does no matter to me. I did forward the court order to CITI BANK by email on XX/XX/2021. I requested Citi bank remove adverse records from my credit history. 
Citi bank stated resolved in 15 calendar days. However, afterwards, Citi bank has been silent till now.

Citi Reference Number : 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 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson Capital Systems Llcat XXXX XXXX XXXX XXXX XXXX XXXX MN,XXXX has been calling & sending me collection in the amount of {$1500.00}. The collection is reported as pasted due balance. I dont know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/XXXX Freedom Mortgage listed my account as being delinquent and threatened me with foreclosure, Freedom sent me documentation stating as such. 
However I have NEVER been late on my Mortgage payments. So on XX/XX/XXXX, I called and spoke with a Freedom Mortgage Account Representative named XXXX, and XXXX and I discussed my situation. XXXX admitted that Freedom Mortgage made a mistake. XXXX promised me that she would correct the issue with my Credit report as it was being negatively effected by Freedom Mortgage 's INCORRECT listing of my mortgage payments. After further consideration I realized that Freedom Mortgage 's inaccurate account of my mortgage account has negatively effected my credit report. So I called in again and spoke with XXXX, a supervisor on XX/XX/XXXX and she informed me that it takes approximately 10 days for my credit profile to be updated with the correct information. However, it was never updated. On XX/XX/XXXX I spoke with XXXX of Freedom Mortgage and he transferred me to XXXX, employee number XXXX who promised me that he would rectify my credit stating that I have never been late which would restore my credit scores. However as of today, XX/XX/XXXX this situation has not been rectified. Due to this, my XXXX XXXX has increased, my home owners has increased and my anxiety level has increased due to me having to pay more due to a mistake made by FREEDOM MORTGAGE. If FREEDOM MORTGAGE would have never made the mistake, then my credit scores would have never been negatively effected. As promised by XXXX, I was to receive a follow-up letter from Freedom Mortgage stating that the discrepancy was a result of Freedom Mortgage and that any and all negative information put out by FREEDOM MORTGAGE would be corrected by FREEDOM MORTGAGE and any and all negative information created by FREEDOM MORTGAGE would be corrected ergo Mr. XXXX XXXX would not suffer from adverse information that was put into circulation by FREEDOM MORTGAGE. A letter that was provided, XX/XX/XXXX was not sufficient as it did not correct the discrepancy nor did it rectify the damage that was already created by the initial discrepancy. 

Please assist me in rectifying this issue. Thank you!!!

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 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
This debt is incorrect. Absolute Resolutions filed a lawsuit against me in XXXX, and subsequently filed a motion to dismiss the lawsuit in XX/XX/XXXX because they do not have the evidence to prove this debt is correct. See attached dismissal. 

Further, I disputed this debt directly with Absolute Resolutions as well as the Credit Bureaus in XX/XX/XXXX. On XX/XX/XXXX Absolute Resolutions sent me the attached letter stating they were instructing the Credit Bureau 's to delete this account from my credit report. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My new mortgage servicer Shellpoint Mortgage Servicing requires additional insurance coverage which wasn't required at the time of the original loan. When they initially requested proof of insurance, I sent them exactly same hoa master policy that i had submitted for loan approval. Shellpont said they'll reverse premium charged on my escrow acct ( now~ {$1800.00} ) and to wait for notification in the mail. Didn't receive any notification. Only learned today they charged for additional insurance H06, which wasn't required at the time of original loan, at an exhorbitant price, like 10x market rate. How could they change the terms of the original loan?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXXccount Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft AMEX Account Number : XXXX This is not mine. 

10. Identity Theft AMEX Account Number : XXXX This is not mine. 

11. Identity Theft AMEX XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2021, I made a purchase from XXXX for a XXXX XXXX color inkjet printer. It seemed strange to me that such a website ( that appears to sell women 's hair products ) would be selling a printer, but I took the chance. I never received any email or order confirmation from the website. I paid via my PayPal Credit account, which was charged on XX/XX/2021 for {$110.00} - the item price of {$99.00} plus shipping and tax. The seller as listed on PayPal Credit was XXXX XXXX XXXX. After two weeks of not receiving the product, I filed a complaint with PayPal on XX/XX/2021. They contacted the seller, who returned a XXXX tracking number, XXXX, as proof that the item had been delivered. However, this was just a tracking number and did not show any addresses or proof that it meant a printer had been delivered to me. In fact, the weight on the shipment is listed as XXXX lb., while I ordered a 70+ lb. printer. Having not heard a satisfactory resolution from PayPal, I proceeded to file a claim with PayPal Credit, which yielded no results. They closed their investigation, deciding that no fraudulent activity had occurred. I filed several complaints to no avail. Any attempt to reach the seller directly failed.

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 2021-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-07-29 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: Aqua Finance, Inc.
State: CA

Complaint narrative:
I am set up with Auto Pay using the 3rd party service I was given by the creditor at the time of opening my account. Last year the auto pay was set up but didn't get paid due to the setting of the 3rd party system. I called once I noticed it was never paid and made the full payment and the person from the 3rd party company rectified their Auto Pay system but at this time it was now showing as a 30 day late. The 3rd party company said I must speak with the creditor to correct the reporting but the creditor didn't help due to it being paid late.

This year my wallet was stolen along with my debit card so I created a new bank account on the Auto Pay prior to the payment being taken out for the month. According to the creditor someone on the 3rd party servicing system ( Bay Finance Company LLC ) cancelled my payment for the Auto Pay. I can not get anyone to tell me who cancelled this payment. They never notified me that it didnt go through on the new bank account I set up and when I tried to speak to someone for details my voicemails were not returned.

I think it is horrible that a {$75.00} per month account that has been on Auto Pay for years is putting 30 day lates on my credit report when I have never avoided paying this creditor. The two companies that work together are not helping me and I can not wait to pay off and close this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: GA

Complaint narrative:
Please remove all hard inquiries off my Equifax credit report, I do not recognize these inquiries and I want them removed, j will continue to file complaints until these are removed, I am disputing these as fraud, please remove all hard inquiries on my report

Company response to consumer: Closed with explanation