vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
Received a stern message from a debt collector @ XXXX with personal information shared ( XXXX ) stating this was a warning & if I did not return the call my employer would be contacted & legal action would be taken against me. The caller gave my full address & stated I would be served but must provide photo ID & wear a mask. Others in my family also received the same message. I have no idea what this is in reference to & do not appreciate the threat. If money is truly owed, send me a bill!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Premier Student Loan Center
State: CT

Complaint narrative:
XXXX XXXX with PREMIER STUDENT LOAN CENTER emailed me for months about my payments of {$230.00} and {$40.00}. When I looked at the news and realized this company was getting sued for fraud the emails from XXXX stopped. I want to know what I can do to receive my money back as I need it for my masters.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-09 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: NV

Complaint narrative:
Equifax has failed to properly investigate Bankruptcy claims being reported on my credit report. This company reported XXXX to be the data provider. Documentations from The Court in question and the data provider XXXX we sent to this company. They ignore all correspondence. XXXX has submitted a dispute on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
I requested an original Contract from Aldous And Associates in which the young lady via phone could not give me in writing for this account to be closed and removed off my credit report. I disputed account in which they denied so she talked me into paying account in full and the young lady said it would be removed or may not removed with a nasty attitude. Please help me disclose this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
We have been in contact with Nissan Motor Acceptance Corporation throughout the pandemic. Nissan gave us an " extension '' of two months due to economic problems due to Covid. Nissan also agreed to allow us to pay as we could. We made payments every month with a verbal assurance that as long as we made some payments we would be fine. However, without notice and against everything we had been told by Nissan, Nissan gave an order to repossess our car ( XX/XX/XXXX ), our car was taken that same day. Nissan had accepted a payment of {$150.00} on XX/XX/XXXX. We appealed and ask for help and clarification with no help. We have been without the car for over a month, car is used for work, and after many attempts we were told that although they could not return the car, Nissan would only send us an end of term balance ( we owed at the time the two months of " extension '' ). Nissan stated that this would not be reported as repossessed and would not hurt our credit score. The liability ( end of term ) statement is over {$3100.00} dollars, when we owed approximately {$720.00} to finish paying the lease. Nissan only offered to take {$200.00} dollars of, and {$80.00} for late fees.

Today I am told that Nissan did report this issue as a " involuntary repossession '' which will very much hurt our credit score, which will seriously damage our chance to get a car. Our lease contract was done in XXXX way before the covid-19 pandemic, still we were able to make payments as we could, needing two months two finished the payments for the lease. There was no " extension '' from Nissan to pay for those two months. We offered to pay upfront the amount owed, but Nissan would not accept that payment and until today, ( XX/XX/XXXX ) are demanding for us to pay {$2800.00}, or else threatening to charge us whatever amount was left from the auction of the XXXX XXXX XXXX car that we had leased. Our complaint is the misinformation that Nissan has given us, the lack of honesty of Nissan in what 2 months " extension '' truly meant, their lack of consideration for our family by taking the car that we need for work, and their lack of accepting responsability for the damage they have caused us. We offered to pay {$1000.00} cash that we had saved, to pay what we honestly owed, and with the hope this would not affect our credit as Nissan had stated before. Nissan gave us false impression that we were ok as long as we made payments, which we did every month. Never did we think or were told that we were in danger of our car being repossessed. Still today, they keep demanding the impossible amount for us of {$2.00}, XXXX. We are lost and we need Nissan to stop trying to defend themselves with " this is the way it is '' as we are constantly told. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I was working and when I returned home my home had not only been burglarized but also set on fire. I am a victim of Arson and Theft. Currently XXXX XXXX is working with me and are completing their investigation. All I am asking is for time so that I can get the money from XXXX to pay for the repairs and bring my mortgage loan current. I have asked for help from my lender. I have asked for alternative to avoid foreclosure as a homeowner in California. However my lender has refused to provide any type of alternative to foreclose. The only thing my lender, XXXX XXXX, XXXX keeps doing is informing me through their servicer that they are foreclosing on my property. I have provided the servicer, FCI, and the lender, XXXX XXXX  XXXX all of my supporting documents and neither once has bothered to explore options to help me avoid foreclosure. They are moving forward with the foreclosure. Furthermore with the Covid 19 pandemic my cash flow has been up and down. Now that the state of California is re-opening I am hoping to start making money. All that I am asking XXXXXXXX XXXX XXXX and FCI is to assist me with avoiding foreclosure.

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 2021-04-09 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: GA

Complaint narrative:
I am a victim of identity theft. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MS

Complaint narrative:
I paid a collection off on XX/XX/2021 for XXXX in the agreement if I paid in full I would receive an email stating I paid as well as get it off my report from reliant energy collection. I never received anything after calling again was given a confirmation number that was for someone else account. Was then told again I would recieved a verification that debit was paid and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I last used my Citi Prestige card for a bona fide purchase in XXXX. I was charged my annual fee in XX/XX/XXXX. 
Upon realizing I hadn't used the card in over a year, in XX/XX/XXXX, I attempted to call Citibank to close my card prior to the annual membership fee being charged. I was informed this would happen. 
In late XX/XX/XXXX, upon receiving a debt collections call, I paid the balance in full in the interest of settling my account, though the representative informed me that it would be refunded after the fact, and my account would be closed. 
In XX/XX/XXXX, I received an email from Citibank indicating that I had a balance due, which I again thought was strange, as I'd attempted to close the card 13 and 11 months prior to that. I called and attempted to cancel, but was told it wasn't necessary to make a payment at that time because the bill was not due yet, and my annual membership fee would be refunded. 
On XX/XX/XXXX, I received another debt collections call because my account was past due. I explained the past history to the representative, agreed to make a minimum payment to avoid any additional fees, and was informed my account would be closed and the annual membership fee refunded. 
Today, XX/XX/XXXX, I received yet another email from Citibank indicating again that my account was past due. After numerous attempts to navigate Citibank 's automated phone system that indicated my credit card number did not exist, I finally reached a representative. This representative told me that my account had in fact been closed on XX/XX/XXXX, but that there was in fact still an account balance due. This account representative indicated that he would pass it along as some sort of referral, but that I otherwise had no recourse for Citibank 's past misleading statements. 
At this time, Citibank has fraudulently billed me for {$900.00} and wasted approximately 15 hours of my time over the course of 14 months, while also likely damaging my credit score in the process.

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 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Titan Receivables, Inc.
State: CA

Complaint narrative:
This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX ) The collection Agency TITAN RECEIVABLES, INC on which is located on XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly. 

This company has caused me so much stress and his ruining my reputation and has violated the following laws.

- 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15
usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$15000.00} for violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I been disputing with the XXXX XXXX XXXX this accounts # XXXX wich they said they never received the first payment but i never recrived such credit card and Experian is reporting such account and the other credit card # XXXX both accounts been repoted by experian in violation because now Experian is reporting as current status and at the same time they reporting such trade lines as charge off therefore this 2 accounts are misleading unverifiable and incomplete and are been repoted in violation of the law

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 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
Was looking into FDCPA info and found a section that said that debt collectors may not " Communicate, or threaten to communicate, false credit information or information which should be known to be false, including not identifying disputed debts as such. '' Called the debt collector to ask if my debt had been marked as disputed with the credit reporting agencies it had been reported to. Initially she replied yes, then said she was not required to do so because I was the one disputing it and not them, then said she would do it that day. This conversation was recorded. I have been attempting to dispute part of the debt for several weeks with the original party and the debt collector, only to be told by both that there will be no discussion or just ignored completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
On XX/XX/XXXX I received 2 alerts from my credit monitoring service that my credit was obtained from XXXX  and Wells Fargo. I have tried to contact the agencies and they both deny the claim. I am not shopping for a new car

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 2021-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/XXXX of XXXX I made an auto payment of {$230.00} toward my XX/XX/XXXX balance. An auto statement dated XX/XX/XXXX reflected the payment on XX/XX/XXXX went toward the XX/XX/XXXX balance, leaving a balance for XX/XX/XXXX of {$230.00}. On XX/XX/XXXX a payment was made for {$230.00}. Bringing the XX/XX/XXXX balance to {$0.00}. 

XX/XX/XXXX Auto Loan statement reflected {$0.00} for XX/XX/XXXX. {$460.00} due on XX/XX/XXXX. 

On XX/XX/XXXX, a successful payment of {$250.00} Was made toward XXXX balance. On XX/XX/XXXX another successful payment was made for {$250.00}. Bringing XX/XX/XXXX balance to {$0.00}. 

On XX/XX/XXXX, a payment was made of {$130.00}. On XX/XX/XXXX a payment was made for {$330.00} toward XX/XX/XXXX balance. 

Ally auto is reporting XX/XX/XXXX payment, 30 days past due and stating XX/XX/XXXX payment was not applied to the current amount due. However their auto statements directly contradict this. This caused me to have a mortgage declined and a closing fall through due to their incorrect reporting costing me thousands and negatively affecting my credit score and chances at obtaining a home.

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 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: STERLING JEWELERS, INC.
State: TN

Complaint narrative:
I requested an original Contract from XXXXXXXX XXXX XXXXXXXX in which the young lady via phone could not give me in writing for this account to be closed and removed off my credit report. I disputed account in which they denied so she talked me into paying account in full and the young lady said it would be removed or may not removed with a nasty attitude. Please help me disclose this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/21 Comenity Bank closed my Credit Card that was in perfect standing. They cited 'inactivity and/or information ' in my credit report for cause. I had made several purchases over a week before on XX/XX/21. As far as my credit report there was nothing negative about my score or report that should lead to an account being terminated. In fact my credit score and history overall greatly improved since I obtained the Comentiy Card originally. Comenity essentially made a 'mistake ' and thought my account was inactive so they cleared the books before verifying the account was indeed not being used. This all occurred while I was actively shopping for a mortgage which impacted my score due to the closed account, loss of available credit, and as a result of the closure I was forced to pay my balance in full to avoid having a balance with XXXX available which would further damage my score. I brought this to the attention of Comenity on XX/XX/21 and was told nothing could be done but I could write a letter disputing the actions. I wrote a letter of dispute and was again told nothing could be done and they again reference inactivity and/or information in your credit report. I was unfairly targeted because of the incorrect status of 'inactive ' and otherwise my credit report would not have been reviewed, nor would the account have been touched.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: SC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Grain Technology, Inc.
State: TX

Complaint narrative:
This issue is about Trygrain.com The bank account I had on file that determines my credit limit and that I make payments from had closed. So I attempted to contact support to help me change the account since it won't let you change it directly through the app for some reason but I keep running into problems with their customer support team. 

I emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX with no assistance provided. 

They gave me a payment link to make a payment, which I made on XX/XX/XXXX but I tried using the link again to make a payment but it says that the link is invalid. 

I need to have the bank account that's on file changed so that I can continue making my payments and using their services. This delay caused my XXXX and XXXX statements showing that I'm using 80 % -100 % of the credit offered which affectively dropped my credit score.

This is turning into a real nuisance which is affecting my credit which I've been trying to fix, that's one of the reasons I was using their service in the first place. I'm also racking up late fees, and interest. 

Another issue is their payment options, the payments that you can make are based upon your bank account balance. On XX/XX/XXXX, and XX/XX/XXXX I ran into an issue where I couldn't pay my statement balance to drop it under 30 % because it wasn't updating my account balance. It showed a lower balance in my checking account so I was limited to making a payment within that limit.

Company response to consumer: Closed with non-monetary relief