vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MD

Complaint narrative:
The collection company ERC ( Enhanced Recovery Company ) is attemptimg to collect debt for a very old XXXX cellular account. 

The cell phone account is closed, but the member account is however open to log in and rectify your balance. 

XXXX initiated a collection company years ago, but I believe there's been two collection company trying to collect on this old account. 

Most recently, ERC ( Enhanced Recovery Company ) XXXX. XXXX XXXX XXXX, FL XXXX XXXX. 

The XXXX  account past due XX/XX/XXXX on the website indicates the amount due is {$270.00}. 

ERC ( Enhanced Recovery Company ) Obviously didn't know, I was paying XXXX directly through their website and had dates process, amount of money pay and confirmation numbers from XXXX. 

Recently I owed XXXX {$470.00} and I paid the XXXX account on XX/XX/XXXX {$200.00} decreasing the account balance to {$270.00}. 

I expected the payment, like others to be reported to the credit bureau. 

That didn't occur this time around like the payments of {$24.00} on XX/XX/XXXX and {$20.00} XX/XX/XXXX. 

I paid {$200.00} to cut into the {$470.00} decreasing the account to {$270.00} and ERC ( Enhanced Recovery Company ) falsely claims that no payment was made and they increase the account debt by {$200.00} to indicate that I still owe the {$470.00} on my credit report. 

ERC ( Enhanced Recovery Company ) falsely reported a {$200.00} increase on my credit account because I dispute the accuracy of the total amount due and I'm assuming because I didn't pay them. 

I payed XXXX XXXX company online member account in the last 13 months {$240.00} toward the {$470.00} that was owed. 

I pay on XX/XX/XXXX {$20.00} confirmation number XXXX XX/XX/XXXX {$24.00} confirmation number XXXX Recently, XX/XX/XXXX {$200.00} confirmation number XXXX ERC ( Enhanced Recovery Company ) wanted to fraudly and negatively affect my credit rating by increasing the account by {$200.00} to indicate the previous amount {$470.00}. 

I owe XXXX XXXX company {$270.00} ERC ( Enhanced Recovery Company ) has broken the law and fraudulently  reported and increase the amount of due to collect on money that was paid to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I received a letter from XXXX XXXX XXXX saying my student loan was in default for {$9300.00} and immediately responded on XX/XX/XXXX by certified mail, return receipt, disputing that I hadn't payed the loan with the following letter : To whom it my concern : I dispute the validity of this debit, in whole, as it was paid off XX/XX/XXXX as demonstrated by the enclosed payment logs from Nelnets website, the provider/administrator of the loan. I have never received calls, e-mails, or mail or any communication regarding this loan not being paid. 

Please rectify your clients mistake immediately as I am XXXX, retired and on Social Security, which is threatening to take my benefits. 

Your immediate attention to this matter is greatly appreciated. 

I received no response, yet knowing they received the letter by the certified mail and return receipt On XX/XX/XXXX. 

The collection notices kept coming, so I turned the matter over to the MN State Attorney General Office. Working with the AG, at this time, there has been no response from Nelnet or XXXX XXXX XXXX. XXXX XXXX XXXX since has started taking my Social Security Benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: VA

Complaint narrative:
This involves LEXISNEXIS reporting agency. I have requested a copy of my report several times from this company. I get a summary, and a " link '' to view the report online, and it generates a password-protected, one-time access report. I am unable to print the report, or view it due to their archaic system. What I *DID* see contained many errors. When Incall the company, I am connected with an offshore call center in the XXXX. Foreign nationals should NOT have access to the private information of US Citizens, and I would suggest that this violates the intent AND spirit of the FCRA. I have been trying to get a hard copy of my LN report since XX/XX/2020, with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I would like to have the paid charge offs removed from my report, the companies said they can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I would like to have the paid charge offs removed from my report, the companies said they can not do that.

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 2020-03-10 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:
I just reviewed my most recent credit report and noticed accounts that i think i from my identity theft case.

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 2020-03-10 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: DC

Complaint narrative:
I have a medical debt collection on my credit report which I have tried to dispute with Equifax. I never received the original bill from my medical provider and it was reported to collection agency. When I inquired about the medical bill and attempted to pay my provider directly, they notified me that the account is closed and transferred to a collection agency. My multiple attempts to pay them directly failed and I eventually paid the collection agency. I have disputed this charge with Equifax. However, my dispute online went to a wrong department. I am not able to see the status of my dispute online and every time I call I am on the phone for 45 minutes and the issue is not resolved. I have asked them to send my dispute to the correct department but I still don't see my dispute status online and I have not received email about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
My insurance is included in my mortgage I was told that my insurance was dropped the insurance company said that they didnt receive a A payment and the finance company said that they didnt receive a bill so while theyre disputing the account both companies in the middle of doing so they dropped my insurance which is in my mortgage so now theyre telling me that theyre going to add their own insurance to my mortgage if I dont find insurance for that and they are were yelling at me they were telling me that I have to take their insurance and that if I dont that you like lose my home they would like making threats to me and Im very afraid Im lost my husband to XXXX and Im Im here trying to hold my own with my house I just wish someone could really help me but Geo XXXX I did contact them they did try an help it was Fay Servicing LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CA

Complaint narrative:
I just reviewed my most recent credit report and noticed accounts that i think i from my identity theft case.

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 2020-03-10 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: CA

Complaint narrative:
I just reviewed my most recent credit report and noticed accounts that i think i from my identity theft case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
The following account is not mine SPEEDYCASH COM XXXX CA Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have an extensive timeline of records. I've tried to reach out, well in advance, to Navient about my IN SCHOOL status and my inability to repay while I'm in school. Prior to my loans becoming due, I contact them by email and by phone. I told them about my IN SCHOOL status and that I should be completing my XXXX at XXXX sometime towards the end of 2020. Worst case, I told them I could pay like {$170.00} a month or less. Just something to pay towards the Private Loans to show good intent. To date, I keep getting refusals to help when I call. However, days later I get emails from Navient employees saying they can help me. When I call, they refuse to help me. It's slightly abusive. Moreover, It's absolutely idiotic. Why a company wouldn't try to help someone earn more money so they can repay their debts is outrageous. I've filed complaints to the XXXX. I've filed complaints here. I'm also seeking at Attorney shortly. Even though I've voluntarily paid small amounts per month from XX/XX/2020 forward, they still reported my Private Loans as delinquent to the credit bureaus. I was told specifically by Navient employees this would not happen. I'm angry and fed up with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I received a letter from multiple collection agencies for the same debt. I have explained that I was laid off of my job of 16 years and fell behind in my payments. I established a payment arrangement with one collection agency then I started getting demands and letters from another collection agency ( XXXX XXXX ). I advised that I would like to validate that there is not dual collections happening they were nice and said they would check with the original creditor Amex. I called Amex and they advised the correct collection agency was XXXX XXXX. I now don't know who to trust or who to pay I really would like to just pay American Express back directly but everytime I call they say they no longer have access to my account. How is that possible that the owner of the debt no longer has access to the account I was never advised that my accounts have been sold. I'm just looking for help to resolve this nightmare now I am afraid the payments made have been lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
On XX/XX/2019 my vehicle was stolen. I reported it stolen to the local police department and my insurance company. The lienholder was paid {$16000.00} on XX/XX/2019. The lienholder has put a negative response on my credit report, which is holding up my purchasing a home. I have documentation of the police report, insurance company and a letter from the lienholder that it was paid in full. Its not fair to me that they stated they would clear this up and they did not. I'm in a program to purchase a house and have been in this program for almost two years and now this is holding up everything. It is not my fault that they don't feel they were paid in a timely manner. I had full coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
COINBASEs transfer to a FRAUD SCAM Brokers : XXXX XXXX I would like to bring your attention to a serious issue I have with COINBASE wires that first took place on the XXXX of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX AUD! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE. 
COINBASE 's response was to TOTALLY IGNORE their responsibility. It is obvious COINBASE is an ACCOMPLICE to the crime due to the fact that they have provided the fraudulent company with their service without hesitation or even a propel KYC procedure to check the identity of the recipient of the money, instead, they state that they have no affiliation with them, a person assisting a thief is a THIEF THEMSELVES!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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:
please remove fraudulent accounts account name : XXXX open date XX/XX/XXXX account name : debt management and collections system open date : XX/XX/XXXX account name : XXXX XXXX XXXX open date : XX/XX/XXXX account name : XXXX XXXX  open date : XX/XX/XXXX account name : XXXX XXXX XXXX open date : XX/XX/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 2020-03-10 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: World Omni Financial Corp.
State: FL

Complaint narrative:
Back in 2013 I was a victim of identity theft. I've contact this company multiple times threw the credit bureau concerning this matter but I'm getting no where. The company continuously respond stating that this is my debt when I'm explaining that I've never had a vehicle like this with this company. Someone stole my information and apparently purchased a car, I never benefited from it in any way. I've also requested documents or anything that they have, proving that this is in fact my debt and I've received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: NJ

Complaint narrative:
1.0N XXXX I REQUESTED THE METHOD USED BY TRANS UNION , XXXX  , AND XXXX ON HOW THEY VERIFIED MY BANKRUPTCY SUCH AS NAME OF COURT, PERSON WHO VERIFIED IT, ADDRESS, TELEPHONE AND DOCS USED TO VERIFY THE BANKRUPTCY. LETTER ATTACHED 2.ON XXXX AND XXXX I RECEIVED LETTERS BACKS FROM XXXX  AND XXXX, TRANS UNION NEVER RESPONDED. XXXX AND XXXX  THAT THEY USED A 3RD PARTY VENDOR NAMED XXXX XXXX A VIOLATIONS OF THE FAIR REPORTING CREDIT ACT. LETTER ATTACHED 3.ON XXXX I WROTE TO THE US BANKRUPTCY COURT OF NEW JERSEY ASKING THEM DO THEY RELEASE INFORMATION TO 3RD PARTIES. THEY DO NOT REPORT INFORMATION DIRECTLY TO ANY CREDIT BUREAUS OR 3RD PARTIES. LETTER ATTACHED 4.ON XXXX I SENT LETTERS TO TRANS UNION , XXXX   AND XXXX EXPLAINING HOW THEY BLATANTLY VIOLATED THE FAIR CREDIT REPORTING ACT BY USING A 3RD PARTY TO VALIDATE INFORMATION THAT GOES ON MY CREDIT FILE. 
LETTER ATTACHED

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 2020-03-10 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: NY

Complaint narrative:
The items are not my items

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 2020-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I have been making overpayments on my Navient student loans, and as a result, I am overpaid by several months. However, Navient is saying that I'm currently behind on my payments by XXXX {$500.00}. 

I called customer service on XX/XX/XXXX to see what was going on, but they were of no help. I had to correct the rep many times because he did not accurately read my account and often mistook my account for another one. The customer rep was also providing the wrong information on the payments that I was making and what my actual monthly payment amount was. 

I asked the rep why I was delinquent, given that I made extra payments on all of my loans, and he couldn't give me an answer, but he said that he " escalated it '' and that someone will get back to me. No one ever got back to me, I've reached out to Navient two more times to no avail. 

Furthermore, Navient has increased my monthly payments from XXXX  {$230.00} to XXXX without any information or prior notice. They have done this to show that I was not making any overpayments in my account. This change was reflected in my account after I called Navient on XX/XX/XXXX to question why my account was delinquent. 

Navient has also proceeded to change my graduation date from XX/XX/XXXX to XX/XX/XXXX and have added on capitalized interest to my loans. They have added on three more months of capitalized interest to my loans by falsely claiming that I graduated three months earlier than I did. 

Currently, Navient is emailing me to make payments on my overdue account ; I will be reported to consumer reporting agencies otherwise. They have already reported me once since our last conversation. 

I am overpaid by several months and, yet, I was still reported because of my " delinquent account '' and my credit score took a hit due to Navient 's dishonest and predatory behaviors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CA

Complaint narrative:
please remove fraudulent accounts account name : XXXX open date XX/XX/XXXX account name : debt management and collections system open date : XX/XX/XXXX account name : XXXX XXXX XXXX open date : XX/XX/XXXX account name : XXXX XXXX  open date : XX/XX/XXXX account name : XXXX XXXX XXXX open date : XX/XX/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 2020-03-10 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:
please remove fraudulent accounts

XXXX XXXX XXXX 
open date XX/XX/XXXX XXXX XXXX XXXX   
XX/XX/XXXX XXXX XXXX XXXX 
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  
open date XX/XX/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 non-monetary relief
Consumer complaint received 2020-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I have an auto loan with Toyota Financial services and in the second week of XX/XX/XXXX I activated autopay. They took the first payment of {$400.00} on the XXXX of that month. The subsequent payment didn't " autopay '' and in XX/XX/XXXX my credit report was marked 30 days late. I faxed a request for removal of this from all 3 of my credit reports. I received a response by mail that didn't address what I had requested, and I was denied the removal. 

I have zero late payment markers on my credit report. I can't say why this happened, whether a glitch in their software or something on my end, but regardless there was no lack of money or intent to pay my loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: NY

Complaint narrative:
The items are not my items

Company response to consumer: Closed with explanation