vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: FL

Complaint narrative:
I received a letter from " Professional Account Management '' demanding that I pay {$75.00} for a toll violation committed by someone else with a vehicle I do not own. The letter states that if I have the audacity to object to this demand, a judgment will be obtained. The purported basis for this debt is toll violations committed in Virginia on XX/XX/XXXX with a vehicle that purportedly was registered in my name. I sold the vehicle on XX/XX/XXXX and it was sold to another person and registered in Maryland on XX/XX/XXXX. Thus, there is no basis for the purported debt owed. I have tried calling the number provided on the demand letter from " PAM '' but I have never been able to reach an actual person to inform them that they are incorrect.

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 2021-09-11 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage Services is facilitating fraud and identity theft by an unknown third party. The property ( XXXX XXXX ) was foreclosed by the second lender in XX/XX/XXXX. Since then, the original first mortgage loan ( Account # XXXX ) has been fraudulently maintained, without my consent. 

Intermittent, minimum payments to the account are always late and made just prior to foreclosure by PHH. Accordingly, my credit report/score has suffered and the loan appears to be active. I have not lived at the house, derived any benefit from the property, nor made any payment to the loan since XX/XX/XXXX. 

( See attached : XXXX XXXX Deed, dated XX/XX/XXXX ; and, XXXX XXXX Tax Assessment, dated XX/XX/XXXX, for XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: PA

Complaint narrative:
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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, American Express received my request for validation and Cease and Desist demand. Since then American Express has not properly responded to my request for Debt Validation pursuant to 15 USC 1692g. Attached down below is my original Cease and Desist demand to American Express which was delivered XX/XX/XXXX. 

Furthermore, American Express violated my Cease and Desist demand and proceeded to sell said alleged debt to XXXX XXXX XXXX XXXX XXXX XXXX Proof is attached below. 

My legal team has stated this is clearly a violation of my Constitutional and Consumer rights. I have already contacted XXXX XXXX XXXX  XXXX and demanded a cease and desist via certified mail tracking # XXXX I have also sent a Fault in Dishonor Notice to CEO of American Express XXXX XXXX for failure of debt validation. Will be sending a default notice very soon if this harassment continues. 

Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless XXXX XXXXXXXX XXXX XXXX XXXX wants to inform XXXX XXXX, CONSUMER, that any efforts to collect a debt is terminated and the debt collector, Account XXXX XXXX XXXX XXXX, intends to invoke my remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: AR

Complaint narrative:
I have been purchasing crypto on Coinbase pro since around XX/XX/2021. My investment total should be well over {$8000.00}. My portfolio is not showing the right balance.. I reached out to there support and they have not tried to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I recently received a letter from the Fair Collections and Outsourcing Inc, in an attempt to collect a debt that was not mine. 

Today, I visited the property that sent me to collections for this unpaid apartment application in an attempt to learn more about how this happened. 

The property manager XXXX XXXX printed documents showing that my name and social security number were used with additional information to include phone number and addresses that didn't belong to me. The person who pretended to be me when applying for this application listed their bank as XXXX XXXX XXXX XXXX a bank I have never belonged too nor had dealings with. 

The property manager agreed that it was identity theft which occurred but continues to direct me to deal with the collections agency he forwarded me too, instead of dropping the collection. 

He even stated that he opened another claim against me but was not sure if it was tied to the same account number. 

I am not responsible for this charge nor was I the person that initiated it. 
The only thing that was valid in this person 's application in an attempt to impersonate me was the name and social security number from the documents that I see.

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 2021-09-11 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander is the worst company I've experienced as far as fraudulent reporting, incorrect information and refusal to fix it. There are many inaccuracies from this acct and it's reporting. 

They stated assistance for covid affected individuals was available in the form of deferred balances of missed or late payments and would not report the corresponding payments and balances as late or anything else negatively effecting credit, this did not happen. I have multiple lates reported ( some of which where the original ppayments supposedly forgiven for covid were still made on time and with full payment ) that are incorrect, I have a much higher balance reporting than correct, they have materially hurt my abilities to qualify as a mortgage loan originator because of the massive negative effect this has had on my credit. 

Not only is Santander leaving out my positive payment history for all of XXXX and XXXX, through opening of the loan in XXXX of XXXX all the way through XX/XX/XXXX are not reported despite on time payments. This is also clear from balance reporting. The balance is VERY incorrect, somehow I've made almost 36 payments and my balance had not gone down, the dispute lowered the balance but not nearly by as much as has been paid down. 

Santander has a few options to resolve this to avoid further action including but not limited to legal action for incorrect reporting, fraudulent balance reporting, incorrectly reporting late data, and once notified of desire to refinance removing multiple on time payments from history as well as increasing the balance on the report clearly intentionally getting in the way of refi or anything I could do they will, lower the balance to the correct amount and include a portion for the damages real and emotional that resulted in inability to refi car loan to a lower more manageable rate, the neg effect on my report preventing me from making more money at my job because of licensing, and the neg effect of not being able to open a credit acct during emergencies where I had suffered with no food and to remove all late payments and CORRECTLY show no missed/late payments throughout the whole loan not just refusing to even show data as they have done during XXXX while all payments were made ( which I'm sure is part of the balance issue ) so lowering the balance by a min of $ XXXX as it should be reported anyhow and a credit of $ XXXX on the balance. 

Option 2, send a credit in the form of a wire or eft to bank acct of my choice which I will inform of after review is complete and Santander decides which option to go with. 

Option 3, forgive the whole balance and correct the late payments. 

Any of these options is considered acceptable for myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11 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: MARINER FINANCE, LLC
State: LA

Complaint narrative:
Mariner finance is reporting four charge offs for me. They show sll of them as joint account. I only am responsible for one loan in the amount of XXXX and a few dollars and they have my husbands bad loans reported as I signed. The loan charged off in my name is being reported as Im not paying monthly and it is hurting my credit. My loan was charged off as I was a co-signer with my husband. They will not remove the other reported charge offs that are not mine. I never restructured my charge off to pay monthly snd its being reported thst I keep missing payments currently. Please check documents for my signature. I havent signed for all of them. Theyre not mine and its killing my credit. Ive called them and they know I bl ever signed those loans but will not remove and continue to report me not paying my charge off monthly. Please review the documents on these loans and see Im not responsible for them and remove the three negative charge offs from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, after I logged in my Citi bank account web portal with my personal credential, it popped up a window, and showed a message, which says if I apply to open a savings account and deposit certain amount of money, then I will get a sign-on bonus. The bonus amount varies depends on the balance. I followed the instruction and applied for a savings account, and transferred {$250000.00} to this account, and maintains the balance for 3 months, which was instructed by the promotion, and I expect {$1000.00} bonus as shown in the original promotional offer. 

On XX/XX/XXXX, I contacted Citi bank representative through their online chat, and they confirmed my eligibility, and told me the " promotional bonus will be credited to your account within 60 days ''. The screenshot of this conversation is attached. 

After 60 days, on XX/XX/XXXX, I haven't received the bonus as promised, so I contacted Citi customer service again, and they told me they will open a case to investigate the missing bonus. On XX/XX/XXXX, they sent me a message and notify me that I am not eligible for this promotion without detailed explanation. 
On XX/XX/XXXX, I contacted Citi again to try to get an explanation, the customer service representative won't 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 monetary relief
Consumer complaint received 2021-09-11 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: NY

Complaint narrative:
Hello, I do not know the reason why I dont receive an answer from the different Bureaus, there is a lot of information on my report that is incorrect and Im trying to correct that, Ive been doing this for months now and havent receive and answer, I know the Law and they are supposed to send me some correspondence.

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 2021-09-11 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: NY

Complaint narrative:
Hello, I do not know the reason why I dont receive an answer from the different Bureaus, there is a lot of information on my report that is incorrect and Im trying to correct that, Ive been doing this for months now and havent receive and answer, I know the Law and they are supposed to send me some correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
There's a XXXX credit card on my reports and I have disputed several times for 2-3 years in a row. All three refused to acknowledge my complaints about the activity that's not mines. I have even been threatened by XXXX in writing before that they will forward the information to all XXXX credit bureaus to impact my score in a negative way and that's what has happened. Ive asked time again to remove the debt from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: TX

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX, a consumer and the original creditor requested a validation of debt from Federal Loan Servicing. I applied for a student loan through FAFSA which stands for Free Application for Federal Student Aid which may be deemed very misleading pursuant to 15 USC 1692e.

Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless FED LOAN SERVICING wants to inform XXXX XXXX XXXX XXXX, CONSUMER, that any efforts to collect a debt is terminated and the debt collector, FED LOAN SERVICING, intends to invoke my remedies. 

I have also attached a copy of my debt validation request and cease & desist demand below which was sent to FEDERAL LOAN SERVICING via Certified Mail # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The reason of my complaint is because PORTFOLIO RECOVERY ASSOCIATES has done a major violation of my rights under FCDPA this is why : I sent them a letter on XX/XX/2021 telling them that THE STATUE OF LIMITATIONS has past on the alleged debt they claimed to be owed to them. Recently checking on my credit I notice that the alleged original amount is {$2600.00} and the alleged balance owed is {$2.00} ,XXXX  a difference of {$38.00}, According to my credit report I had payed off 1 % which is totally false PORTFOLIO RECOVERY ASSOCIATES has committed fraud by paying itself to make it seen like if I make the payment but those are common violations done by junk debt buyers to restart the statue of limitation on debt. With the help of CFPB I demand for PORTFOLIO RECOVERY ASSOCIATES to provide proof of any payment made by me as you claimed in my credit report that I did, if they can not provide any proof ( checks, withdraws from account, copy of money orders etc ) whatsoever I will have no other alternative but to seek legal advice and file a formal complaint to the California State Attorney General and the FTC. ATTACH TO THIS LETTER I AM PROVIDING CFPB WITH : - THE STATUE OF LIMITATION LETTER I SENT TO PORTFOLIO RECOVERY ASSOCIATES., - A COPY OF MY CREDIT REPORT WHERE IT SHOWS THE VIOLATION CLAIMED ABOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/2021 XXXX XXXX or XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/2021 it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX with a balance of {$1400.00} and another alleged account {$230.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
A few months ago I noticed an email that was directed to my Spam account titled Your statement is now available online from CitiBank. Because I do I have a Citibank Card and it was automatically routed to my spam inbox I did not worry about. I then noticed at {$35.00} charge on my checking account concerning this card. When I called the company I explained to them that I did not have the card. I was asked to spell my name and it was then noted that my name on the account is spelled incorrectly. Citi Bank kept asking me for the card # since I do not have this information I can not provide it. They did close the account however they are showing a balance due.

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 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XXXX of 2021, I mailed a letter demanding for all 3 credit companies to update my correct name and home address. I also sent a copy of my social security card and driver 's license with correct information. I demanded them to remove all incorrect address and name. Which they file to do so.

Company response to consumer: Closed with explanation