vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NM

Complaint narrative:
I was notified by National Credit Systems ( NCR ) of a debt I fraudulently owed to the XXXX XXXX apartments in XXXX, TX in XX/XX/2021. I submitted a fraud claim within the month only to have the same debt notification sent again in XX/XX/2021. In addition, the same fraudulent individual used my information again at the XXXX XXXX Apartments. Both apartment complexes are within 10 miles of each other in XXXX. I have never lived in XXXX and have no idea how my information was compromised. I am shocked and disappointed that letters to NCS and the XXXX XXXX apartments have not stopped XXXX XXXX XXXX from fraudulently using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My Bank of America balance is incorrect. 
Account Age 13 years, 10 months OPENED ON XXXXthis should have been removed from my credit report in XXXX 
And its not

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 2021-07-31 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been a ward of the state since I was XXXX XXXX of age I am now XXXX years old some addresses on my account does not belong to me I have accounts that have been opened in my name that doesnt belong to me some states I never been too and this has been a problem for years I have a block on my social now because of this situation and Im an currently receiving new accounts that I have no knowledge of

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 2021-07-31 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: DC

Complaint narrative:
I contacted EXPERIAN on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person EXPERIAN had no written consent from me to furnish this account on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish this account on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and a natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, command that EXPERIAN remove this account from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore you have 4 business days, and Congress states EVERY day is a business day, to remove this from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The account in question is attached to this report.

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 2021-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
Santander auto loans have been involved in a 32 state lawsuit and the class-action lawsuit is complete with Santander being required to pay out billions of dollars in retribution. I am one of those people on said lawsuit. His company has repeatedly refused to provide me documentation they have charged off my loan while I was in the middle of paying it they have incorrect information on my credit report they refuse to fix for over 2 years from the amount that they stated are owed to the late payments which were not late to the fact that now I have no title still to this vehicle. I have paid over {$35000.00} for a used vehicle and they have no record of the original contract they refused to send it to me and they refuse to acknowledge that I put a down payment on a vehicle that they never applied to the actual balance of the loan. I have every piece of documentation yet I don't have the original contract from them only from the dealership. For example in XXXX of XXXX they stated I owed {$17000.00} on the vehicle and they reported that to all of the credit bureaus however when I log into my account the balance I owed in XXXX with {$17000.00} with 188 payments being made almost equaling the amount of {$500.00} for each payment. So therefore that small example shows that they are fraudulent and they actually owe me money. There are 188 entries and transactions in my account for Santander showing every painted that I made from XXXX XXXX until XX/XX/XXXX. How would I still owe them money? Why would they charge off an account that I am still paying on? From XXXX of XXXX until XXXX of XXXX I have every transaction and I have every transaction from my bank before that as well. If this is not fixed I am working with a credit repair company and an attorney to get this taken off and this is my final attempt to do this the right way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Schrier, Tolin and Wagman, LLC
State: MD

Complaint narrative:
Greetings, My name is XXXX, I have Stipulation of settlement with TOLIN & WAGMAN which I agreed to pay {$380.00} per month, beginning XXXX XXXX until the sum of XXXX will pay in full. On XX/XX/XXXX Due to the loss of my father- in-law with XXXX and I had reduced of income. I have called Schrier Tolin & Wagman and I talked to XXXX and asked her if I can pay lesser amount than {$380.00}. She told me I can pay {$200.00} every month due to COVID-19 everybody is having problems paying their debt. Since XX/XX/XXXX I have been paying {$200.00} a month. Sometimes I pay 2 months together $ XXXX {$500.00} because they do not accept less than {$400.00} on credit cards payment. The last payment was XX/XX/XXXX for {$400.00} for XXXX and XXXX. On XX/XX/XXXX I have called Tolin & Wagman, I spook with XXXX who confirmed to me on the phone and by email, I am okay on paying {$200.00} a month. On XX/XX/XXXX the office of Schrier Tolin & Wagman confirmed to me in writing that I can pay {$200.00} on the XXXX of every month until the settlement is paid in full. I do not understand why I am paying as agreed {$200.00} a month since XX/XX/XXXX and XXXX XXXX Tolin enter judgment against me. Since XX/XX/XXXX every time I call the office, they tell me I am fine on paying {$200.00} a month. I am doing my best to pay my settlement in full by the end of the year. As of today, the balance is {$2500.00}. XXXX XXXX Tolin is doing his best to collect the full amount before the settlement, he does not want to work with me to pay my settlement. I have called and sent emails the TOLIN & WAGMAN office they keep hanging up on me. They do not want to find solution. They are making it difficult for me to pay my settlement, so they can enter judgment against me. Their XXXX is to collect the full amount before the settlement. They tricked me. I have been paying for 2 years, now I am almost done paying my settlement they want me to pay more. I have seen several customers complaint online about this company scamming them of their money. They need an immediate investigation. 

Please check the XXXX XXXX : Schrier, Tolin & Wagman, LLC Reviews and Ratings | XXXX Schrier Tolin And Wagman XXXX XXXX, MD XXXX | XXXX Schrier & Tolin , LLC | Reviews | XXXX XXXX XXXX Profile ( XXXX  ) Thank you so much for your time on this matter. 

Best Regards, 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 2021-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This account does not belong to me as this is a result of identity theft which has been reported already. I do not recognize this merchant nor have I ever done business with this merchant. I keep getting harassing calls from this Merchant or debt collector. The debt collector did not also follow the lawful process of sending formal mail to my address before initialing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Popular Mortgage assigned the appraisal firm XXXX XXXX XXXX XXXX XXXX to carry out the appraisal of unit XXXX XXXX XXXX XXXX XXXX, XXXX, P.R. XXXX XXXX XXXX XXXX XXXX ' appraisal report for apartment XXXX XXXX XXXX XXXX states that the appraised value is {$170000.00}. The appraisal report has errors and inconsistencies for this reason I request a reconsideration of the appraisal. 
The report reflects that the appraisal firm XXXX XXXX XXXX XXXX XXXX is not familiar with the supply and demand of real estate in the municipality of XXXX, Puerto Rico or has the intention of representing the market incorrectly and attributing an appraised value inconsistent with reality and in this way, I wont be able to benefit from the most attractive product that Popular Mortgage qualifies me for. 
Popular Mortgage and XXXX XXXX XXXX XXXX XXXX are formally requested to evaluate all the data provided and make the necessary adjustments to reflect the appraised value of the XXXX XXXX Cond Sea View based on the information available and the reality of the market. Otherwise I request a reimbursement of appraisal amount {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: CITIBANK, N.A.
State: GA

Complaint narrative:
My best buy citi card has been closed and paid in full. For a total of 4 months after. EACH month, 4 of them, after I paid my acct in full the company is charging me late fees, on top of late fee because of the late fee. Then interest ontop of those late fees. For 4 months. They are also reporting my acct. Delinquent as well. I am trying to buy a home and my credit score keeps dropping because they are reporting my acct delinquent. I have been on the phone with them each month to correct this and for the 5th month I have another bill charging me interest and reporting me delinquent on 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 explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I went to XXXX XXXX XXXX  XXXX was looking to purchase my first home. I found some but needed an Realtor so I went to XXXX XXXX which I needed find an Bank or Mortgage Company I went to XXXX XXXX XXXX XXXX Denied and went to Wells Fargo and was approved I need to an down payment of {$50000.00} and closing {$10000.00} deposit they inspected the home and appraised it but was told pay off all back bills in order to be approved for the Home Mortgage since the home was being built I had wait for completion the money that I borrow was from my Retirement Thrift Saving Plan which I was enrolled in since I began my Job XX/XX/XXXX and this was my money my retirement I loss my new home after being diagnosed with XXXX XXXX and notify Wells Fargo of sickness and was told at the closing that I had year to give it up for any reason it been year that what happen. But my problem my closing and down payment was not return nor they assist during that time. I did not have any Mortgage Loan with Wells Fargo my money but they still reported negatively on my Credit Report and my none payment was sold to XXXX XXXX  who they had right to purchase my Mortgage and back payment and they also reporting on my Credit Report and preventing from rent or purchase these banks had no regards to my sickness while I was fighting for my life and harassed by County of XXXX with Door Knocks and posting in Newspaper and on the door and I wanted to give them the house back but needed somewhere to go or stay during this time. So how do they report or destroy my credit and only thing the Bank did was promise to collect the mortgage and FDIC Insurance the money and insurance how they allowed to this and I'm staying in Shelter and having problem finding house I did not default of loan this was my money please explain

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 2021-08-01 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: NV

Complaint narrative:
XX/XX/2021. Saturday afternoon. XXXX XXXX. This is the second time I have reached out to Experian and a detail fashion explaining that these information should be deleted off my credit report and the only thing you correct it was my name. I am resubmitting my request to have this information delete it permanently off my credit report. Please see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: IL

Complaint narrative:
his complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, 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 2021-07-31 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I got pre approved online for a vehicle on XX/XX/XXXX. I scheduled an apt to go into the dealer on XX/XX/XXXX. I had all my paperwork, and was ready to buy a car. The offer from XXXX directly from XXXX Nissans website said offer valid for 10 days. I scheduled an appointment for the weekend ( 5 days later ) since thats when I wasnt at work. XXXX the sales rep took a look at my phone and said no no no those prices are very wrong ( the prices directly from XXXX Nissans website. ) He continued to try to upsell me and tell me the confirmed offer I had was inaccurate. When I continued to try to show him my confirmation he kept saying things like did you read the fine print and why didnt you come 5 days ago? This was my first time buying a car on my own and I came prepared with my approved finance APR, monthly rate, and all my paperwork to buy same day because I did not want to have to haggle. However he wouldnt honor the rate from my confirmed offer/credit approval and continued to tell me it was not accurate. He said the car had been sold and that they cant hold cars, which is understandable. I was not asking for the specific car with the VIN the dealer had two days prior already given to XXXX and listed on my new insurance card, but to honor the rate I was quoted on whatever car with the same model/trim etc. was available ( which there were plenty of ) .I provided this company my social security number to run a credit check, and had a firm offer for financing. They ran my credit and did not honor it within the 10 day period I was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX

Company response to consumer: Closed with explanation