vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zenith Financial Network Inc
State: CA

Complaint narrative:
I filed a previous complaint # XXXX. This was concerning a debt payoff to ZFN & Associates last year ( Account # XXXX ) that was mistakenly paid to them on a debt being paid through court settlement. 

Zenith Financial 's response on XX/XX/22 was " Our client has not responded in a timely manner, therefore we are mailing the consumer a refund of {$1500.00}. '' I have made multiple attempts to their Compliance Dept to find out the status of this refund. The only call backs I have received ( one in XXXX, one in XXXX ) were to tell me the refund would be going out the following week. At one point around XX/XX/22, an employee stated that " we have reached out to the president of the company. He is currently on vacation, but when he returns next week he will personally send out a check ''. 
To date, this has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONRAD CREDIT CORPORATION
State: CA

Complaint narrative:
I sold a scooter to a girl. I sent dmv bill of sale. I guess it got towed 2 years later and so conrad credit puts on my credit report that I owe a tow company that I never heard of. This is in XXXX. I contact them and respond by asking for proof I owe the debt which they never sent and refuse to accommodate me despite burden of proof being on them. I conacted them back then and they removed debt from bureaus. I check my XXXX recently in XXXX and the debt is still reporting. So I disputed it again, then called them and they are refusing to remove it. I have attached proof I sold the vehicle. And want them to stop reporting I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2022 I sent in letters to the credit bureaus requesting that they verify some inaccurate things on my credit report. To this day XX/XX/2022, I have yet to receive a response from them and I feel like I am being ignored. I take my credit very seriously and these false items on my report are holding me back from a lot of opportunities I am trying to achieve. Please help me with this issue.

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 2022-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I scheduled service on XX/XX/21 for internet to be connected at XXXX XXXX XXXX, XXXX XXXX On multiple phone calls I stated that we must have a static IP address and was assured we would have one. My wife works from home so prior to moving we also called in to confirm the appointment and once again request a static IP as she would not be able to work without one. 

On XX/XX/21 the technician came out and did the install and when she asked him to write down the static IP down for her, he told her that there wasnt one. XXXX had sent out a Residential technician and not a business technician. I have spoke with them multiple times because this was an error on their part. We established on every phone call with XXXX that we would require a static IP address. They are trying to collect the residential setup fee but it it not our fault they made an error. My wife repeatedly made me double check that we would have static IP. 

I called and was assured that this was a mistake that the account was set up incorrectly and the residential account would be canceled nothing to worry about. They sent a technician out to provide the static IP address on XX/XX/21. My wife missed 2 full days of work due to a mistake by 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 2022-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
I closed on a refinance with XXXX XXXX. The amount on my closing disclosure for my monthly payment is {XXXX}. My first statement with them is {XXXX}. It was sold to Flagstar Bank and my first statement from them is {XXXX}. They claim that is the amount they received on the closing disclosures, which is not what I signed to pay. My escrow balance is all of a sudden less as well. XXXX has my balance as {XXXX} and Flagstar has {XXXX} with no payments out.

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 2022-03-16 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: GA

Complaint narrative:
On XX/XX/2014 it was reported that an account with XXXX 's XXXX XXXX XXXX XXXX was opened for the amount of {XXXX}. I was in college at the time so I couldn't have opened the credit account. I had reached out to Experian and the company more than once to remove debt form my credit profile and they stated the debt is validate by my name which is not true according to 15 U.S Code 1692g- Validation of Debts. I am demanding, under the provisions of the FCRA, 15 USC section 1681i, that they remove immediately as it is deemed illegal and a violation of my consumer rights according to 15 U.S code 1666b. 
As it states, a creditor or any agency must not treat any payment on a consumers credit file as late or delinquent for any purpose. If so, it must be immediately and permanently removed from file or a lawsuit will be filed for discrimination against my decent, violating my consumer rights deemed by law and the reporting of inaccurate information.

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 2022-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
On XX/XX/XXXX, I traded my car in with XXXX XXXX of XXXX XXXX. Prior to that I obtained the payoff and the company policy for selling leased car to another dealership. XXXX submitted payment to Mercedes Benz on XX/XX/XXXX for the full amount to payoff the car that included the last two payment left on the lease. Mercedes cashed the check on XX/XX/XXXX. Meanwhile, they continued to show my account as delinquent. When I contacted them, they told me that they had an update on their computer system and my payment will show as soon as that's completed. A week after, I started receiving calls from Mercedes about being delinquent and letters threatening repossession. I called again and asked to talk to a supervisor. He was rude and tried intimidating me, instead of listening to me asking him to look into it, because there is a cashed check for the full amount. I called XXXX and asked for their help. They contacted Mercedes and were assured that my account was credited for the full amount. I was still getting calls from Mercedes about delinquency. Finally, XXXX was able to straighten the matter out, but Mercedes refuses to delete the delinquency from my credit report with XXXX, even after I provided copy of the cashed check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-16 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 Account # 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 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 non-monetary relief
Consumer complaint received 2022-03-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2022 I sent in letters to the credit bureaus requesting that they verify some inaccurate things on my credit report. To this day XX/XX/2022, I have yet to receive a response from them and I feel like I am being ignored. I take my credit very seriously and these false items on my report are holding me back from a lot of opportunities I am trying to achieve. Please help me with this issue.

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 2022-03-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2022 I sent in letters to the credit bureaus requesting that they verify some inaccurate things on my credit report. To this day XX/XX/2022, I have yet to receive a response from them and I feel like I am being ignored. I take my credit very seriously and these false items on my report are holding me back from a lot of opportunities I am trying to achieve. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
On XX/XX/2022 PHH Mortgage accepted a wire transfer for a payoff of a mortgage. They are holding the money but have not applied it to the loan and are charging interest and late fees due to what they are alleging is an underpayment. 

I have spent 3 days trying to make a payment but can not get in touch with anyone to be able to apply a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
XX/XX/2019 ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Original creditor name XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TX

Complaint narrative:
Ive addressed the fact that portfolio recovery has been continuously re aging an account that they purchased. Ive tried resolving the issue with all 3 of the bureaus, the company itself as well as your company and its still reflecting as a reaged account which is effecting my credit.

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 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
follow up to previous complaint # XXXX : I have attempted to make my payment since the XXXX of XXXX. But the loan is not booked. It is still showing my old payment amount. I can not make a payment on an account that is not booked. I called Wells, and was informed that there was a problem with my mod docs. Apparently the notary date is not legible. I have no calls, emails, or letters from Wells explaining there is an issue with the documents. I explained that it is legible to me. The representative stated they would look in to it further. Which I have no faith that they will. I have made a payment over the phone. It will most likely sit in unapplied. Please expedite the booking and post my payment. There should not be any late fees accrued for this month. Wells claims they are backed up and are taking longer than usual to review, and book their loans. They seem to deliberate in finding issues, to prevent the booking, in order to buy them more time.

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 2022-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: NM

Complaint narrative:
I was speaking to two individuals, I tried ti make arrangements, but when it came to the end- he asked me to provide my bank account information to secure payment. I was uncomfortable doing so and he stated that my debit card is the same thing. To me it is not the same if I call and give my debit card information versus my bank account number - and I didnt have the contract with them so regardless if I have my account to the original place I took the loan with, I do not need to provide that to the collection company. I asked if I could call back after work, three times, and all he did was threaten to escalate my case as refusal to pay when I wasnt refusing, I just needed time to figure out how I could do so, which would have been after I was out of work. He said well when you call back, your payment will be due in full. Which I think is unfair- I also asked them not to call my job as I cant receive calls- they still called the main line to my entire company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX Update new address and delete the old address XXXX your day is well. Please remove my address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX off my credit report. Someone is forwarding my mail to a another address. 

Please use my new address : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Pa 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 2022-03-16 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: FirstPoint Collection Resources
State: NC

Complaint narrative:
XX/XX/2019 ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Original creditor name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: KEYCORP
State: OH

Complaint narrative:
XX/XX/XXXX at XXXX the agents at key bank refused to deposit my remittance deposit into my account because they were unfamiliar with the bills of exchange act. They told me I basically had no rights to my own credits and wouldnt attempt to deposit my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
XXXX internet has a scam whereby they ask you a bogus security question when you attempt to stop there service. When you can not answer there bogus question they refuse to discontinue there service as request. 
I have spent hours trying to reason with them in at least XXXX  phone calls. I have tried to stop there service by driving XXXX miles round trip to there store. 
This is a scam plain and simple. I am now being harassed by a collection company by the name of Radius Global Solutions LLC, XXXX XXXX XXXX. XXXX XXXX XXXX MN XXXX I have explained the scam to them and told them not to call me any more but they continue to harass me. 
Thank you 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 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
Called XXXX to tell them they were settling my debt for way higher than what the creditor were ask for. For example, a XXXX was asking for XXXX and they settled it for XXXX. I rejected the offer and it said they I did. And on top of that they were going to charge me a XXXX fee. They also did this with my XXXX XXXX debt with creditor offered XXXX and they had a settlement of XXXX. They have been doing this also with an old debt for XXXX and they were settling for the PIF of XXXX when the creditor offered XXXX. Please advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC
State: NH

Complaint narrative:
I received an alert on my credit report some time ago that a new collections account had been added by the firm JHPDE FINANCE I , LLC. I was able to find three phone numbers and an e-mail address for them and have contacted them at each multiple times throughout the last few months in an attempt to settle the debt. To date, my voicemail messages and my e-mail messages have been ignored, and the collections account continues to harm my credit. I attempted to get the Credit Bureaus involved to force them to contact me or remove the account, but the effort turned out to be fruitless. All they did was write me back saying " Yep, that's your debt. Call them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I paid my Truist loan in full on XX/XX/XXXX, the electronic lien has not been released no one can rectify the problem. It has been over 2 weeks, the car is already sold and I need the title b/c the car is being shipped overseas and Truist has not gotten me the lien or pay off letter. I have tried repeatedly to contact them with hold times exceeding 2 hours. Again, they have not even released the lien with the State of Pennsylvania and I am unable to rectify the problem.

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