vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
In regards to group XXXX nelnet balances and payments. 
The website does not reflect the total amount due to pay off a student loan group, nor does it allows for any overpayment for daily interest. You can not over pay or try and the daily interest. Upon my payment on the website it appeared that I was paying off my group B loan in full, but my statement show I still have a balance of XXXX cents Daily interest is {$0.00}. A full business day did not pass after payment, how was interest added? My payment due is {$3.00} which is {$3.00} more than the balance and interest combined. 

XX/XX/22 statement shows a principle balance of {$500.00} and a daily interest of {$0.00} XX/XX/22 on Friday night I made a phone call to Nelnet about paying off a laon. I was advised to include the daily interest so my loan would be paid off. That amount was not provided during the call. 

XX/XX/22 Friday night I went onto the website and set up the payment of {$500.00} for the payment to process on Monday XX/XX/22 so my payment would process on Monday. The website would not allow more that {$500.00} in payment, I was not allowed to pay an extra {$0.00} for the daily interest. 

XX/XX/22 my payment was successfully processed. 

XX/XX/22 the statement shows a balance of {$0.00} and my amount due shows as {$3.00} How did daily interest apply when the payment was the less than one business day? Why is my amount due higher than principle and interest? 

XX/XX/22 I called Nelnet and made a complaint that I paid my balance for group B in full per the website. The representative said you have to also pay daily interest. I said the website does not allow payment above the balance. She tried to remove the XXXX cents but was allowed to. She asked if I wanted to pay the XXXX cents and I said it was presented as if I had paid the loan in full. I should not have to pay additional money. She tried again to removed the XXXX cents, again unsuccessfully. I said fine, I will pay the XXXX cents, but she said she was unable to for some reason, it would not allow her to process the {$0.00} payment. She said call back before XXXX tomorrow during business hours. I said ok and hung up. 

I work during normal business hours and had already spend XXXX minutes trying to sort the amount owed out. I did not take time off work to try and pay money that I did and do not believe I owe. 

XX/XX/22 statement shows {$0.00} principle balance and an estimates interest of {$0.00} but the amount due is {$3.00}. How do I owe {$3.00}? 

XX/XX/22 my balance on the website said {$0.00}. I made a pavement of {$0.00} using Nelnet website. This payment was successfully processed. 

I have other loans for a much higher amounts that I intend to pay off in the future. Will I continue to experience this problem on a larger scale?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: WA

Complaint narrative:
Returning from military duty XX/XX/XXXX. Did not authorize or open this account. Have previously opened an identity theft claim on identity theft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
I recently received notification that a collection was added to my report in the amount of {$1400.00} by Nationwide Recovery Systems. I received no notification of this prior to it being placed for collections. I later discovered that it was from an ER visit I made to XXXX XXXX XXXX for XXXX XXXX  sometime in the beginning of XX/XX/2019. 
I am XXXX and am insured by Medicare and at that time XXXX as a Medicare XXXX program that covered Emergency Room visits. XXXX XXXX was given this information at the time of my visit. I contacted this hospital recently and they have no record of any bills being owed to them. I then contacted Nationwide Recovery and they informed me that whether I had insurance at the time or not, was irrelevant and it was too late to furnish this information, they wanted payment in full and would continue to report this alleged debt as a collection to all the credit bureaus. They have ruined my credit and credit scores and I have even enlisted the help of XXXX in verifying that I was covered and to be billed like this is in fact a violation of the FCRA. Unless this debt is removed from my credit reports immediately, I intend on filing a lawsuit against both the hospital and this collection agency. I also requested verification of this debt and have not gotten any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My name is XXXX XXXX, I am the natural person, creditor and consumer according to 15 USC 1692a ( 3 ) and I have sent letters and called to report identity theft on my consumer report regarding the list of inquiries. I am calling you to tell you that I do not want these inquiries on my consumer report, please remove them in pursuant to 15 USC 1681c-2 blocking of information resulting from identity theft. I have never given my written permission to allow Equifax to report such inquiries on my behalf. Pursuant to 15 USC1681 ( 4 ) you reporting inaccurate information without my written consent is violating my right to privacy and also my reporting these inquiries pursuant to 15 USC1681b you are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file and as a consumer, I demand you to remove the inquiries pursuant to 15 USC 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it related. The fraudulent XXXX hard inquiries are from XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/2022. Please have them removed expeditiously, I did not apply to either. My credit report is inconsistent because of these issue. XXXX and XXXX do not display these hard inquiries due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: WA

Complaint narrative:
Returning from military duty XX/XX/XXXX. Did not authorize or open this account. Have previously opened an identity theft claim on identity theft.gov

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 2022-04-03 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Returning from military duty XX/XX/XXXX. Did not authorize or open this account. Have previously opened an identity theft claim on identity theft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: WA

Complaint narrative:
Returning from military duty XX/XX/XXXX. Did not authorize or open this account. Have previously opened an identity theft claim on identity theft.gov

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 2022-04-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed several for disputes on experian for the past 4 month about a medical collection of {$2900.00} from XXXX XXXX and it keeps saying verified but they didnt send me a method of verification after I have requested severally. One of the agent I spoke to said they are not required to send the proof they only use what they are told by collections. I had also called the collections agency on XX/XX/XXXX and asked them to verify the debt but the person I spoke to said he would email me but I never got any email. The email of the person I spoke to was on XX/XX/XXXX was XXXX. I informed experian about this after my most recent dispute came out as verified ; the person I spoke to named XXXX on XX/XX/XXXX. Was saying that theres nothing he can do as the debt is verified. He wouldnt even help me do another dispute over the phone. He says I have to call the company and I told him I had called them to verify debt multiple times after going back and forth he said sorry have a great day. This is very frustrating because Ive been on this for a while and both parties without verification claims that I owe them but cant send me anything. I have written several letters and called them and they keep saying the same thing. Attached is a copy of the email I sent to the collections agent when I was on the phone with him. Please help. This is preventing me from getting products that I would like to get. Sorry for the grammatical errors if any as English is not my first language. Thanks

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 2022-04-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, DEPT OF ED /XXXX account # XXXX, # 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. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, US  DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I recently purchased a home in XX/XX/2021. My first payment was due on XX/XX/2021. I received a bill in the mail and promptly paid it. Since this was my first bill I only had a general idea on how much my bill was to be for which was approximately {$1200.00}. When I didn't receive my XXXX bill in the mail this prompted me to call the lender. Come to find out that the XXXX had delivered the wrong bill to me. It was my neighbors XXXX! My neighbor has the same lender as me so I did not note that it was her bill. I paid her mortgage for the month of XXXX by mistake.I have contacted the lender multiple times by phone, by fax and by email. To date, more than XXXX months later, they still have not corrected the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was looking to rent an apartment, and I saw that a person published a lot about it and I never saw a comment that said scammer or something, there came a time when I could never find a place or I was never approved of being able to rent it that I decided to take a risk and trust that person on the internet. He asked me to deposit a certain amount ( XXXX $ ) to set aside the apartment because there were many other people wanting to set it aside anyway, I sent him the money and then when he arrived at the agreed time, we called him and he never responded, he blocked us from XXXX and the owner of the building told us that it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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:
This is regards to XXXX XXXX account # XXXX on my credit file on Experian and XXXX reports. XXXX XXXX was charged off back on XX/XX/2016 and according to the statute of limitations in the State of Florida, which is only 5 years this account has expired and must be deleted immediately from my credit reports

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 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: CA

Complaint narrative:
I've already told you, discrimination, at its worst,. I go in the bank withal these papers, jump thru all these hoops, over, and over again. Only to get turned down. If u do nothing, then I will just have to do it myself.

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 2022-04-03 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: CITIBANK, N.A.
State: IA

Complaint narrative:
I have called XXXX XXXX XXXX numerous times on a count that was listed on my credit report from Sears credit card through Citibank the card was not mine the account was not mine the balance on my credit report {$1700.00} over 6 months and I reported to the credit bureaus at that balance was not mine the account was not mine they finally removed it 30 days ago and I dropped XXXX points they both told me that Sears is the one that dropped my points I would have to contact Sears Citibank credit card but the count was not mine Sears credit card has no record of me Citibank has no record of me the accounts belong to a relative the relative loss the credit card 3 months ago reported fraudulent activities the card was shut down 3 months ago but for some reason the XXXX balance and the credit card was on my credit report still I reported to the credit bureaus but that card balance and a car needs to be removed off my account it was a fraudulent account the account no longer exists for over 4 months I try to credit bureaus finally moved the account and I was about 20 points for it XXXX told me that Sears credit card Citibank was responsible for the points but yet I can't get an answer from either party due to the accounts not mine the relative that the account belong to can't have access to the account because it was closed over 6 months ago due to the fraudulent activities on the card credit bureaus told me that they can do anything about it until Sears contacts them to change it how can Sears credit card Citibank change a credit score when they have no record of me and their systems credit bureaus are not giving me a straight answer nor are they helping me resolve the issue of my credit points of 20 points being deducted from my credit score nothing happened to my relatives credit score when they count was removed from their credit reporting account. 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 2022-04-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
XXXX was the amount and this account is not mine and was open with identity fraud I sent over a police report and lease and they still Put this on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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:
This is regards to XXXX XXXX account # XXXX on my credit file on XXXX and Equifax reports. XXXX XXXX was charged off back on XX/XX/2016 and according to the statute of limitations in the State of Florida, which is only 5 years this account has expired and must be deleted immediately from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX  OPENED : XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX, XXXX. 
Account # XXXX Collection opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collection opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collections opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2, States that a consumer r eporting a
gency can not furnish an account without my written instruction
s.

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