vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Renton Collections Inc.
State: WA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the account, RENTONCOLL, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Please verify and account that account belongs to me since my name and adress are wrong .Per credit fair report act any inaccuracies such as : incorrect name and adress should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: AK

Complaint narrative:
Last month we went into Alaska XXXX XXXX XXXX for the first time ( of many to come ) to try to open up a checking account. However, ChexSystems kept coming up with a " zero score '' for me. So they were unable to open the account or tell me why I couldn't so I contacted the agency and they told me that they couldn't tell me why I was unable to open an account but that they would send a report in the mail telling me. So weeks pass... I finally get a report in the mail telling me possible reasons why. Nothing concrete. We figured, okay, whatever, we just moved here so maybe after solid employment in this area for a couple of months we'll be able to open the account. So we eventually go back to Alaska XXXX XXXX XXXX two other times. The second time we eventually ask for the branch manager who goes on to help us call ChexSystems and have them disclose why they wouldn't give us a reason why we got the " zero score '' so we couldn't open the account. They responded with multiple " we don't provide that information, the bank does '' So the manager said " we don't even have that information it's from your company so how are we supposed to tell that to the customer '' Round and round we go. ChexSystems has been the worst government agency we have ever had to deal with. What a shitshow. One of the executives of the bank eventually reached out to ChexSystems directly and they wouldn't give any information again, telling them to have us call them again with a customer relation number on our report. Called again, they again said that they don't have or share 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 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scratch Financial, Inc.
State: TX

Complaint narrative:
I received an attempt to receive and un-validated and un-verified debt from XXXX. Please review my attached documentation. 

XXXX is violation of the Fair Credit Reporting Act, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Flagstar Bank, N.A.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Credit Bureaus. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, the Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the account that is still reporting on my account : FLAGSTAR BK XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/XXXX : {$14.00} Approved and processed by company XX/XX/XXXX {$1.00} Approved but not processed by company XX/XX/XXXX : {$63.00} Declined and not approved by company XX/XX/XXXX : {$59.00} Approved and processed by company XX/XX/XXXX : {$1.00} approved and not processed by company XX/XX/XXXX : {$27.00} approved and processed by company XX/XX/XXXX : {$1.00} approved and not processed by company XX/XX/XXXX : {$27.00} declined and not approved by company XX/XX/XXXX : {$100.00} declined and not approved by company XX/XX/XXXX : XXXX declined and not approved by company XX/XX/XXXX : XXXX approved and processed by company XX/XX/XXXX : XXXX declined and not approved by company XX/XX/XXXX : {$100.00}, approved and processed by company Chase posted the above transactions into my account. All the above transactions and attempts were made by perpetrator on XX/XX/XXXX and XXXX, XXXX in XXXX in various stores. I or any of my family member did not make any of the above transactions. Chase declined 5 if 13 transactions made by perpetrator on XX/XX/XXXX and XXXX, XXXX. Chase approved and not processed 3 out of 13 transactions made by perpetrator for {$1.00}. Chase approved and processed 5 of 13 transactions. A phone call was received on my landline from Chase on XX/XX/XXXX regarding the fraud activity in my account. I immediately called Chase and informed that none of these transactions are performed by me or my family. Chase canceled my card and issued new cards. All the above transactions were placed under investigation. Received letter from Chase dated XX/XX/XXXX indicating that I am responsible for payment of following 5 transactions approved and processed by Chase XX/XX/XXXX : {$14.00} XX/XX/XXXX : {$59.00} XX/XX/XXXX : {$27.00} XX/XX/XXXX : {$27.00} XX/XX/XXXX : {$100.00} I called Chase on XX/XX/XXXX and disputed the above charges with a reason that I or my family member did not use the card or perform transaction using my card therefore should not be held responsible for above charges. Also, due to identity theft and unauthorized transactions performed by perpetrator should be investigated and the perpetrator should by brought to justice for performing all the above transactions and number of stores. A XXXX footage should be requested at the above stores to locate the perpetrator. I followed up with Chase with a Certified letter dated XX/XX/XXXX stating that none of the above transactions were performed or authorized by me or my family. I should not be held responsible to pay any of the above charges. Chase responded with a letter dated XX/XX/XXXX that I am responsible for the above 5 transactions approved and processed by Chase on XX/XX/XXXX and XX/XX/XXXX and the investigations is closed. All five transactions are posted to my account for payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
We had a mortgage with TCF Bank on a property in XXXX Ohio. We paid off the mortgage in XX/XX/2021. We did not receive a " satisfaction of mortgage '' letter and the bank never filed one with XXXX county. TCF Bank merged or was bought by Huntington Bank shortly after that. Now we are trying to sell our property, XXXX XXXX XXXX , XXXX, OH XXXX, but Huntington Bank can not come up with the record that shows we paid off the mortgage and has not issued a satisfaction letter. We can show proof of payment, and they are not disputing our claim, but time is now of the essence and after a week of discussions with various representatives on the phone, we still do not have the letter. TCF bank ( the now defunct bank ) was negligent in not filing the mortgage satisfaction with XXXX county and that responsibility becomes Huntington 's. They should at the very least have a record that we have paid off our mortgage. They are required by law to keep records of TCF Bank. In fact, we have a letter from TCF bank thanking us for paying off our mortgage, but it is not a bona fide " letter of mortgage satisfaction '' and is not accepted by the title company. Plus, since the satisfaction has not been filed with the county the title company has no proof. To clarify : the property is owned by XXXX XXXX XXXX, and the mortgage is under the name XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are currently showing 30 days late XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I graduated from law school in XXXX of XXXX during the beginning of the Covid outbreak. After graduation I am entitled to a six month grace period before debt repayment is to begin. However, due to the Covid student loan relief program ; I am not due to enter the repayment phase until XX/XX/XXXX. 
Despite these forbearance against student loan collections until XX/XX/XXXX, I have been contacted by phone several times by my loan service provider, Nelnet, starting as far back as XX/XX/XXXX at XXXX. The calls that I chose not to answer because of the forbearance program were then followed with voicemail. The calls come at inconvenient times and are erratic in nature. 
For instance, I was contacted and left a voicemail at XXXX on XX/XX/XXXX ( my birthday ), XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX ( today ) only to discover that it was an automated recording that I have heard during each and every voicemail, as they must think that I am incapable of remembering the information the first time I received it. 
I am currently studying to take the Uniform Bar Exam again in XXXX of XXXX. The calls have been significantly distressing and only serve to exacerbate an already extremely stressful period in my life. To make matters worse, the calls seem to coincide with the period where I was studying for the XX/XX/XXXX Exam, and the day after I had received news that I did not pass the XXXX exam. 
The continued unsolicited communications by Nelnet have furthered my stress to a point where I am worrying about the next call, as well as their increasing frequency, rather than focusing on studying and I fear that this harassment will only increase as the deadline approaches and I should be solely focused on passing the exam. 
I have been losing sleep, and having anxiety attacks from these harassing calls and I fear that they are having a detrimental impact on my mental health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
Ad astra recovery services is the company that bought the debt. They call me all the time instead of my lawyers they keep calling my father about the debt. Theyre abusing me and my family. My father has recorded 48 calls in one day about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Lending Club Corp
State: TX

Complaint narrative:
This is XXXX XXXX XXXX, and I am filing this request myself to address the inaccuracies on my Credit Reports. I am requesting for the correction and removable of the incorrect information about my account has been diligently neglected by the Credit Bureaus. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. In addition, the inaccurate information about my accounts is still on my reports. For that reason, the Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the account that is still reporting on my account : LENDING CLUB XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: AK

Complaint narrative:
On XX/XX/2021, I paid off my credit card balance of {$1800.00} with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX. On XX/XX/XXXX they still reported to the credit bureaus that I had this balance, which was hurting my attempt at getting a mortgage approval. I have since made 2 disputes through Transunion, and they keep coming back as confirming the balance. I made a 3rd dispute just now. Transunion also shows that this bank reports on the first of the month, which was almost 2 weeks after the account was paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
My mortgage was paid in full to Dovenmuehle in XX/XX/XXXX and they stated the cut the escrow refund check XX/XX/XXXX and mailed it the same day. After waiting a couple of weeks, I called and let them know that I had not received the check and they informed me that I would need to wait for a for 30 days to call and request another text to be cut. I called back on XX/XX/XXXX to do this and I inquired with a customer service rep about my unit number being on the mailing address. She said that it wasnt noted, took my unit number down and said she added it and I should receive my new check no later than 15 business days.

It is now business day 17 and again I have not received the check. I called them again to confirm and ask if they had a tracking number or could send me proof that the actual check was cut and they kept telling me that there was nothing they can do once the check has been mailed except to wait 30 days and repeat the process of canceling the previous check and issuing another one. This is about to be the third time Im calling to request my escrow refund check and it has been almost 3 months since XXXX XXXX XXXX has paid them in full. They had no issue accepting the {$200000.00} plus pay off check from my new mortgage servicer however when the time comes to issue me my {$2000.00} refund check, they are giving me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows inaccurate and unverified account information. I have reported the issue to Transunion on XX/XX/2021 via phone and XX/XX/2021 via certified mail. XXXX has not validated the inquiries and/or removed them. Transunion is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have tried to contact this company on several occasions and still have not got anywhere at all. I have paid the vehicle in full and the car was never repossessed and it is reporting as such. I have sent in several letters and proof showing the loan has been paid in full and have not received a call or response from the company or the credit bureaus regarding this matter. I have sent correspondence on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: MA

Complaint narrative:
I have tried to contact this company on several occasions and still have not got anywhere at all. I have paid the vehicle in full and the car was never repossessed and it is reporting as such. I have sent in several letters and proof showing the loan has been paid in full and have not received a call or response from the company or the credit bureaus regarding this matter. I have sent correspondence on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: MA

Complaint narrative:
I have tried to contact this company on several occasions and still have not got anywhere at all. I have paid the vehicle in full and the car was never repossessed and it is reporting as such. I have sent in several letters and proof showing the loan has been paid in full and have not received a call or response from the company or the credit bureaus regarding this matter. I have sent correspondence on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: AL

Complaint narrative:
There are addresses and a phone number on my credit report that are not mine. I have never lived at those addresses nor used that phone number. 
The addresses are : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX The phone number is ( 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 2021-11-10 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: Ocwen Financial Corporation
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation