vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
I was admitted the emergency room at XXXX XXXX XXXX in XXXX, LA in XXXX of 2020. I was told by the hospital and my health insurance company ( XXXX ) that my benefits covered the costs. 
Never did I receive a bill from the hospital, yet I recently received a bill from Southern Credit Recovery , INC. XXXX XXXX XXXX XXXX, LA XXXX for the amount of {$750.00}. The bill states that if I do not pay this amount to them that legal action will be taken upon me. 
The bill also says their client is XXXX XXXX XXXX XXXX, XXXX Why would I be told by the hospital and my insurance company that I owe nothing yet this Credit Recovery Company claims I owe {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: GA

Complaint narrative:
Because Midland Credit contacted me regarding a fraudulent account back in XX/XX/2020, I have written a letter to the company explaining that the account was fraudulent. I included a police report and FTC identity theft report with the letter. 
I requested proper validation to be processed and provided documents that were used for the validation. Since then, I did not receive any types of communication from Midland Credit Management. 

It was shocking for me when I received a letter from the court stating the Midland Credit Management is attempting to make a lawsuit against me for the same debt that they contacted me initially. 

I specifically stated that the account from XXXX XXXX  is a fraudulent account that had been involved with identity theft and requested verification and validation to be processed. Midland Credit Management completely ignored my statement and supporting documents and falsely attempting to collect the debt that is fraudulent. 

I will include a letter that was submitted on XX/XX/2020 with the original copies of the police report and FTC identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
1. ) Account Status : TransUnion is reporting this account as " CLOSED ''. And XXXX  is reporting this account as " PAID ''.

2. ) Payment Status : TransUnion is providing the credit bureau as " CURRENT ''. While XXXX is reporting the account as 120 days late.

3. ) Date of Late Activity : The Date of Late Activity is over 6 years old, which is a violation according to the FCRA. This Date of Last Activity should be current and up to date. A lot of information has changed within those 6 years.

4. ) Late Payments : There are multiple missed payments, that were made on my behalf. So there shouldn't be ANY missed/late payments on my PAYMENT HISTORY.

I have taken liberty of attaching a copy of this account. This Creditor has provided TransUnion and XXXX with INACCURATE and INCOMPLETE INFORMATION TO THESE CREDIT BUREAUS. 
THE PAYMENT HISTORY THAT TRANSUNION AND XXXX  HAS REPORTED DOESN'T MAKE ANY SENSE WHAT SO EVER. ONCE YOU SEE THESE ATTACHMENTS YOU WILL FULLY AGREE, AS TO WHY THIS ACCOUNT SHOULD BE DELETED IMMEDIATELY.

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 2021-03-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
1. ) Account Status : XXXX  is reporting this account as " CLOSED ''. And Experian is reporting this account as " PAID ''.

2. ) Payment Status : XXXX  is providing the credit bureau as " CURRENT ''. While Experian is reporting the account as 120 days late.

3. ) Date of Late Activity : The Date of Late Activity is over 6 years old, which is a violation according to the FCRA. This Date of Last Activity should be current and up to date. A lot of information has changed within those 6 years.

4. ) Late Payments : There are multiple missed payments, that were made on my behalf. So there shouldn't be ANY missed/late payments on my PAYMENT HISTORY. 
I have taken liberty of attaching a copy of this account. This Creditor has provided XXXX and Experian with INACCURATE and INCOMPLETE INFORMATION TO THESE CREDIT BUREAUS. 
THE PAYMENT HISTORY THAT XXXX AND EXPERIAN HAS REPORTED DOESN'T MAKE ANY SENSE WHAT SO EVER. ONCE YOU SEE THESE ATTACHMENTS YOU WILL FULLY AGREE, AS TO WHY THIS ACCOUNT SHOULD BE DELETED IMMEDIATELY.

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 2021-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I did not give permission to run a credit check from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XXXX money or cryptocurrency in my Coinbase account for a transaction already reversed by bank. 
On XX/XX/21 a {$3700.00} deposit which was meant to be a withdraw. 
XX/XX/21 a {$790.00} deposit which was meant to be a withdraw. 

Both were stopped by bank. But Coinbase is saying i owe them this money. 
Account is disabled as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CarMax, Inc.
State: TX

Complaint narrative:
I did not allowed to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On or around XX/XX/2021, I called Shellpoint Mtg to inquire how to have my payments applied to my principal balance and deferred principal balance. I spoke with a man who informed me that the principal balance on my account was {$130000.00} and the deferred principal balance was {$650.00}. He assured me that I could pay these balances which would leave only accumulated late fees on my account. I made the payments separately as he stated it would be easier to apply them to the correct balances. I received confirmation number XXXX for the {$1300.00} and confirmation number XXXX for the # XXXX. Both amounts have come out of my checking account on XX/XX/2021. To my dismay when following up on my balance on XX/XX/2021, I spoke with XXXX XXXX and found that XXXX applied my {$650.00} to the monthly payment amount, and the {$1300.00} was sitting in a dormant state and not applied to anything. After a long discussion she stated she was a team lead and would correct the issue by applying the funds where they were designated to go. She assured me it would be corrected. I called back on XX/XX/2021 and spoke with XXXX and as suspected the funds were still in the same state. I have been trying to pay this mortgage off but they continue to hold my funds to charge me more interest and late fees. I paid enough funds to have my entire principal balance paid off, but the automated recording is saying I have a payment due on XX/XX/2021. This is very poor customer service and bordering on illegal. How can you ask me for payments with my funds sitting in a dormant state. My next step is to go to my local news station, and XXXX concerning the practices of Shellpoint mortgage Servicing. I will send a copy of this to Senator XXXX XXXX when when creating the CFPB to stop this type of malpractice, needs to be informed that companys like Shellpoint are laughing inn her face and not taking the banking reforms seriously. XXXX XXXX will also receive a copy of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC
State: IL

Complaint narrative:
On XX/XX/2020, [ ATG CREDIT LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
I have a mobile bank account with a bank called current and I got hacked and contacts added out of no where and I got my tax return XX/XX/21 and it was {$1800.00} and when I went to check it was sent to a random person in four separate payments a {$40.00}, {$1000.00}, {$500.00}, and {$300.00} payments to a guy named XXXX XXXX who lives in XXXX, New York. I reported this to the company and they are investigating it but I wanted to get more people involved to try and get all my money back and they locked my account to every other device except my own. But they said they might not get all my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom it may concern ; I got married in XX/XX/2019, I have been trying to change my last name on my car loan from capital one. I have been dealing with this issue already for XXXX. Capital one told me to submit my Marriage Certificate and that's it, I submitted what they asked for with the cover sheet they provided and now they're saying I need my driver 's licenses. They never told me I needed my driver 's license and every time I call Capital One they tell me something different. I need this fix to get updated registration for my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: CO

Complaint narrative:
Us bank is not accepting fraud reports. I have to accept activation before speaking with anyone. Us bank opened an account open my name, fraudulently reported, without my consent. I have credit freeze in place, which usbank apparently ignored,

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 2021-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Collection company did not send a validation letter within 30 days, nor make any contact with me to verify this being my account prior to adding to credit accounts.

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 2021-03-06 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: FL

Complaint narrative:
I totaled my car in XX/XX/XXXX. I have GAP insurance. XXXX XXXX offered to do the full process for me. My insurance ( XXXX ) paid up my account until XX/XX/XXXX so that it would give XXXX XXXX enough time to file my GAP report, but it is now XX/XX/XXXX and it is now reporting on my credit report that I am late on my car loan. I have reached out numerous times to get this matter resolved but I have been hung up on numerous times. It has been over 6 months and the issue still have not been resolved. This situation has caused me great stress and it has affected me mentally and financially.

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 2021-03-06 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: FL

Complaint narrative:
I totaled my car in XX/XX/XXXX. I have GAP insurance. XXXX XXXX offered to do the full process for me. My insurance ( XXXX ) paid up my account until XX/XX/XXXX so that it would give XXXX XXXX enough time to file my GAP report, but it is now XX/XX/XXXX and it is now reporting on my credit report that I am late on my car loan. I have reached out numerous times to get this matter resolved but I have been hung up on numerous times. It has been over 6 months and the issue still have not been resolved. This situation has caused me great stress and it has affected me mentally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: FL

Complaint narrative:
I totaled my car in XX/XX/XXXX. I have GAP insurance. XXXX XXXX offered to do the full process for me. My insurance ( XXXX ) paid up my account until XX/XX/XXXX so that it would give XXXX XXXX enough time to file my GAP report, but it is now XX/XX/XXXX and it is now reporting on my credit report that I am late on my car loan. I have reached out numerous times to get this matter resolved but I have been hung up on numerous times. It has been over 6 months and the issue still have not been resolved. This situation has caused me great stress and it has affected me mentally and financially.

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 2021-03-06 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I had a joint car loan account with my spouse. She filed for bankruptcy and this debt was discharged. Her balance is been updated to {$0.00} and closed with notes discharged in bankruptcy but for me is showing OPEN and with a balance when I have no responsibility on this account and I already requested correction. The latest one was responded on XXXX stating info reported was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
XXXX, the original creditor closed this account in XXXX, XXXX. It was charged off as a bad debt, they sued me in court and a judgement/lien was placed against my home in XXXX XXXX PA XXXX. 

Suddenly, without notice. XXXX opened a new collection account in XXXX, XXXX. 

I was denied a loan in XXXX due to 2 charged off accounts and subsequent judgments - XXXX and XXXX  XXXX XXXX. I wanted the loan to pay off these judgements since my husband was XXXX of XXXX and I would need to remortgage the home in my own name. 

I feel it is illegal to reopen a charged off account - especially if judgments were already placed against my home. Isn't this double indemnity? 

Please consider this as an unfair practice - the debt has already affected my credit and home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America is paying scammers, fraudulent merchant from my credit and debit cards leaving me with low balances. I'm consistently having to disputes these transaction that they are complicit in. I don't won't BOA paying anyone w/o checking with me first. In there mean time I have to wait 7-10 or longer business days before these disputes resolve. Leaving behind in other bills and paying late fees due to their actions. I was in an emergency crisis where I couldn't get my own funds due to their actions, therefore I quitting this bank after 12 years of service with them. I believe this banking institution needs to be thoroughly investigated on there banking practicing. Anybody nowadays scammer and fraudulent conspirators can get your credit and debit card information and pull any amount of fund available from my accounts and this bank will pay them off and fault me for them having that information, when I know nothing of these false charges that's being incurred and BOA paying them from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
On XX/XX/XXXX Me and by Boyfriend ( XXXX XXXX ) purchased a car together at XXXX Honda where he is employed. it was a XXXX Honda XXXX  white. On our contract list him as the buyer and me as the Co-buyer. XXXX talks to me about trading in the car and I told him no that he did not have my consent to trade it in. On XX/XX/XXXX XXXX along with his Father XXXX XXXX traded in our XXXX Honda XXXX, without my knowledge or consent at XXXX Honda where he is employed. I went and talked to XXXX XXXX who is the New Car Sales Manager at XXXX Honda, and I explained that XXXX did not have my consent to trade our car in. he told me that I would have to talk to XXXX and that there is nothing that he could do. this is a direct violation of my rights as a Co Buyer for this car and loan. Im asking that action be taken against XXXX Honda to ensure that they never do this to anyone again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
Mortgage company Amegy repeatedly mails notices that they cant verify hazard insurance after hazard insurance paid for and uploaded. After changing insurance companies and uploading new insurance, we always receive a notice from Amegy that we didnt have insurance for the period prior to changing companies. Have spent 6+ total hours on phone with representatives regarding this issue. Eventually Amegy bank used escrow money for lender-purchased insurance ( now we have dual insurance, since were already insured ) and wont refund the money.

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 2021-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: IL

Complaint narrative:
On XX/XX/2020 [ AMERICOLLECT INC ] add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient has not ceased their collection efforts, despite me requesting to effectively show me how is it I owed them, where I never took out loans with " Navient '' in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS is claiming that I owe them {$60.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive disputed this account XXXX with Equifax before and it keeps coming back as meets FCRA standards when Ive provided multiple violations that theyve committed but yet still remains on my report.Per the FCRA this account is supposed to be marked Consumer Disputes in the comment section which its not and is a violation. Ive also submitted request for verification back on XX/XX/2021 and it has been well over 30 days even so 45.

Company response to consumer: Closed with explanation