vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Received collection notice dated XX/XX/2020. Tried to contact TSI Inc., no response, Collection Notice regarding a Creditor : XXXX XXXX XXXX, Invoice # XXXX XXXX XXXX. XXXX denied sending an account in my name to collections because I have never had nor do I have a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: VA

Complaint narrative:
1 account with Nelnet ( account for {$8500.00} ) is reporting a late payment in XX/XX/XXXX on my XXXX report, which is not possible because the account was paid in full BEFORE that in XX/XX/XXXX. The late payment reported has the wrong year ( should be XXXX ). This is harming my credit because it appears I was late a whole year more recent than I was. I have disputed multiple times and Nelnet keeps certifying to XXXX it is correct but it is not and it is IMPOSSIBLE if  you use logic to review the dates of the account. It is not possible to be late in XXXX if the account was paid off and closed in XXXX - that makes no sense at all. My credit report needs to be updated to a late payment in XX/XX/XXXX instead of XX/XX/XXXX. All of the other Nelnet accounts are reporting this way except 1 ( assuming it is a typo but it is causing me a lot of problems ). I need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX and I am a victim if Identity theft, which i have notified all 3 Bureaus previously. Again I am sending a copy of my driver license and my social security card along with my proof if address nad FTC reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX and I am a victim if Identity theft, which i have notified all 3 Bureaus previously. Again I am sending a copy of my driver license and my social security card along with my proof if address nad FTC 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 2020-09-21 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:
There are several accounts on my experian that does not belong to me. I have already resolved the same issue with 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 2020-09-21 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: PA

Complaint narrative:
After reviewing my latest credit report, it is filled with a bunch of fraudulent accounts. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a  litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX   XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # 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 2020-09-21 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: CBC Companies, Inc.
State: PA

Complaint narrative:
After reviewing my latest credit report, it is filled with a bunch of fraudulent accounts. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : ASCENDIUM EDUCATION # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
After 6 months of waiting, a closing date was proposed no-later-than XX/XX/XXXX. The first credit report XXXX  score of XXXX dated XXXX " expired '' on XX/XX/XXXX. The second credit report from XXXX was XXXX, dated XXXX.The under -writers ( email XXXX ) had problems reading the condo docs that were FAXED ( XX/XX/XXXX ) using the supplied FAX cover sheet. They didn't see the name of the project on the 1st page and couldn't find the number of units on the 3rd page. ( email XXXX ) I had approved for the use of E-Docs and E-Signatures. Shortly after I received E-Docs with a Mortgage Loan Price Commitment Agreement back dated to XXXX and a Loan Estimate issued XXXX.The rate lock expired on XXXX, 4 days prior to sending/receiving them. I didn't sign, wrote a letter of complaint ( XXXX ) withdrawing E-docs & E-signatures. Underwriters couldn't determine my income, asked ( XX/XX/XXXX ) for W2s, had been sent in cert. mail XXXX, received XX/XX/XXXX. I confirmed my income by referrencing documents # 3, # 4 & # 8 in XXXX cert. mail. Email XX/XX/XXXX request change of HOI beneficiary prior to closing. 
XXXX  payoff requested XX/XX/XXXX, expired XXXX. No payoff requested from XXXX XXXX XXXX. Application was for Hawaii condo w $ XXXX to payoff commercial property in Ohio. Denial-too many inquiries ; amount owed on revolving account too high ( all accounts paid in full every month for yrs ) ; length of time accounts have been established ( 3 most recent Cr. cards over 2 yrs old & 2 are with the lender-no balances ) ; No Derogatory Info found in the file. Paid down mortgages {$14000.00} while loan applications pending. No accommodation requested for existing loans. Loan application/credit denied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: OR

Complaint narrative:
On XX/XX/XXXX purchased a XXXX XXXX XXXX for {$14000.00} Exeter Finance is the lender, payments of {$370.00} per month Had total of 6 months deferred payments since XXXX. Shows late fees for this year of {$25.00}. Balance still due is {$5400.00}. Was given a 10 day payoff on XX/XX/XXXX for amount of {$5700.00}, since XX/XX/XXXX made {$900.00} in payments, that only reduces pay off by {$340.00}. 
This account is at its mature of the loan .... Interest 23.99 % I feel there are additional fees that I am unaware of and that if that is the case they exceed the federal limit of 18 %

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Sent in documentation to show proof of a balance I know is owed to the original creditor XXXX XXXX. National Credit System first failed to verify the debt within 30 days from the date of the original letter was issued to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. that was provided then National Credit System failed to verify the debt again with 15 days from the date of the original addressed to National Credit System. National Credit System keeps saying the debt has been verified ; however, after further investigation, it was determined that XXXX XXXX  is no longer managed by XXXX XXXX, they are no longer in possession of my previous apartment file, and are unable to properly determine what amount is owed due to being brought out by a brand new company and hiring a new team of property management. Due to this matter the collection company National Credit System is trying to force me to pay on a debt that is falsely owed after I sent in verified documentation and is failing to do the right thing under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: AZ

Complaint narrative:
On XX/XX/2020, two months ago, I sent a letter to Equifax and XXXX XXXX XXXX, asking for validation and verification of a debt that was reported on my Equifax credit report. Equifax has been very good, for the most part, at investigating my fraudulent accounts, and in fact, they have removed around 8-10 negative credit items leaving me with three remaining. One of these is from XXXX XXXX XXXX ( also sometimes called XXXX XXXX XXXX ). In all this time, I have yet to receive any information at all about this debt from the Creditor, and yet, despite my disputing this item and giving reasons why on every credit report I have ever received from Equifax, the item remains on my account. In addition, I find it curious that with only three negative items on my report, my credit score is still in the " Poor '' range. This month, I was forced to sign up for an independent 3-bureau monthly credit reporting service and learned the truth ; that this XXXX/XXXX account has been reported as a charge-off 46 times!!!! As far as I know, you can only charge off an account once! I am infuriated and plan to also file a complaint with the FTC as well as sue Equifax in federal court. No wonder why my score is so low!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation
State: TN

Complaint narrative:
I received a debt collection notice from ; Premiere Credit of North America , LLC XXXX XXXX XXXX XXXX XXXX, IN. XXXX XXXX Creditor listed, as ; XXXX  XXXX XXXX , XXXX for ; {$10000.00} XXXX  XXXX XXXX is fictitious. A foreign for profit corp. filed in FL in XXXX  Which is defunct. 
There has been nothing on my current, XXXX credit report, about this ever.

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 2020-09-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX Accounts were included in Bankruptcy & XXXX in XX/XX/2019. I have disputed multiple times bc they keep showing balances and charge off/collection status on experian report. The disputes found in my favor and updated them all to included in bankruptcy, but I'm going in circles bc then a few days later an account will go right back to having a balance. I call and then a rep will fix it then a few days later XXXX of the accounts will go right back to having a balance again. As of yesterday all of the accounts were finally showing as included in bankruptcy and now today again XXXX of the accounts shows {$82000.00} balance again! Can you please fix these accounts so they are included in bankruptcy & block these accounts from changing back again to the way they were prior to the dispute?

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 2020-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
Homepointfinancial.com is mismanaging escrow accounts. They are not paying taxes or insurance on time. I have received threatening letters from both my local tax office and threats of having my insurance canceled. The mortgage company received all of my payments on time but still did not pay my insurance or taxes on time. At this time, my insurance has not been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I notified Equifax that my account balance was incorrectly being reported on my credit report. It had apparently not updated. 

On XX/XX/2020 I was notified by email that the investigation was concluded and Equifax deleted the entire account and corresponding trade line. 

I never disputed the account as not mine or requested that it be deleted ; rather the balance updated as appropriate. 

Now correct and factual information has been deleted from my credit history with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 I notified XXXX  that my account balance was incorrectly being reported on my credit report. It had apparently not updated. 

On XX/XX/2020 I was notified by email that the investigation was concluded and XXXX   deleted the entire account and corresponding trade line. 

I never disputed the account as not mine or requested that it be deleted ; rather the balance updated as appropriate. 

Now correct and factual information has been deleted from my credit history with 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 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: NY

Complaint narrative:
Monday XX/XX/XXXX I put in a payment of {$500.00} to my self.inc secured credit card that was made at XXXX EST On XX/XX/XXXX. The total balance was {$540.00}. ( My credit limit is XXXX $ XXXX they allowed a car rental company to charge a fee from my rental from last month on the credit card when I had payed them using my debit card. Anyways I paid the XXXX $ last week on Monday night on Friday I noticed my credit limit was still saying that the balance was {$540.00} and that I had negative {$43.00} in credit I was alarmed so I called them up on Friday XX/XX/XXXX at XXXX EST. They stated that it would take 5 business days to confirm my payment to make sure it wasnt sent back from my bank XXXX and stated they had no way to validate my payment actually went through because they cant contact my bank. Then proceeded to tell me I shouldve paid using my debit card which would post right away and the credit would be restored instantly which charges a 3 % fee .... the customer service agent also stated that by Monday XX/XX/XXXX in the afternoon my credit limit would be restored back to the amount minus the XXXX XXXX Since he stated my payment would show up with a debit card right away I decided to pay the extra XXXX $ On self.inc website which I made XX/XX/XXXX to ensure it would stop saying Im over my credit limit from a charge I did not authorize to begin with but decided to pay because it was a toll charge from a car rental agency well on XX/XX/XXXX I woke up checked the account at XXXX EST and it still said balance was {$540.00} so I called their XXXX number and spoke to XXXX from self.inc who hung up on me when I was upset she stated my card was locked even though I made payments that it would be held for 7-10 business days until it unlocks. Well I told her thats unacceptable they took all my money for a payment and are still showing my account like theres a balance owed and no good reason for doing it I always pay off my full balance she then proceeded to say it wont be restored till Tuesday when I dont believe a single word they say now that their representatives have lied and are taking over a week to post a payment that came out of my account last Tuesday and made up some story for no reason to keep my credit locked from me being able to use my card and told me I could make a payment with my debit card and it would post right away and it did not and their customer service agent hung up on me because I was upset that she was saying different information her name was XXXX but the entire company seems very shaky with their business practices with customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am again notifying the CFPB and Experian AGAIN, that I am a victim of identity theft I am also once again attaching a copy of my social security card my identification along with my ftc report for your review.

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 2020-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Today, XX/XX/2020, I sent a virtual currency by mistake to my Coinbase account address. They do not support this currency on their platform, however the token is XXXX just like the wallet address and on etherscan ( used to see blockchain wallets and transaction ) I can see the tokens in their host wallet. 

They refuse to send the tokens back to the sender address, in spite of it being an XXXX wallet which means it would be easy to do so. Their claim is that they don't want to open that wallet manually using private keys, but their own terms state " private keys associated with a specific address are virtually inaccessible outside of extremely limited circumstances. '' - implying there are limited circumstances they would access a wallet aka they *can* if it was a priority for them. 

So basically I sent {$12000.00} in a virtual currency which is now in a Coinbase wallet, and they've verified they could access the wallet and send it back but are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Debt was paid via Check through my bank and cashed by Midland bank on XX/XX/2020. THe check cleared my bank on XX/XX/2020 In the amount of XXXX. Midland rep stated that they never cashed the check

Company response to consumer: Closed with non-monetary relief