vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Fair Financial Corp.
State: MD

Complaint narrative:
I am a XXXX XXXX XXXX XXXX with a vehicle that I've been leasing with through the company I XXXX  for. I've been making double payments each week for the last three weeks and was able to take {$910.00} off of the total balance of my vehicle, which was behind due to my inability to XXXX and make the funds. Back in XXXX I was planning on driving the last week of XXXX into XXXX, only to find out that I could n't XXXX with my registration expiring. While attempting to update the registration, I was told by the vehicle administrator that my name was not on the vehicle. The leasing company never included my name as power of attorney, and after going almost two weeks with them trying to get someone to fax over a power of attorney, I was missing out on my days to XXXX. Luckily I've been lowering my payments with the doubling up every week. On XX/XX/2019, I made payment of {$220.00}, and the company 's rep informed me that my car was in repo status. I have been doing my best making double payments and told the rep that I would have a minimum of {$600.00} paid by next Friday. But they are threatening to take my vehicle. I have been willing and able to make multiple payments and it shows in the system, however, the company refuses to work with me to allow me to make the multiple payments to bring the total down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: ME

Complaint narrative:
Someone had my social Security number and personal information. They are calling XXXX XXXX and changing the address and phone number to Florida and requesting new cards in my name. I have called 15 times this week to keep changing it back. I went to social security office and reported it. XXXX XXXX   acknowledged knowing about the breach in my account and will not stop it. They keep allowing this to happen. I have yet to receive my income. I can not pay bills, I have no phone and I have XXXX young children at home to feed. This is unacceptable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: NV

Complaint narrative:
I really dont know but if they have my signature name and birth date.. it wont match mine ... theres a XXXX XXXX XXXX using my identity.. my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: WV

Complaint narrative:
I had on multiple occasions sent emails, calls etc to Netspend that was allowing people not myself to open accounts These people rented on my name hotels cars etc and didnt return or had charges on them and was never me I had no k owledgw

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 2019-01-05 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: IL

Complaint narrative:
Opened a dispute XXXX at which Citicards provided me a conditional credit and sent the Vendor a letter seeking more information. The Vendor sent information CLEARLY states that problem still existed after he left and he was contacted at least 3 times to repair the issue, cancellation policy but citicard 's policy is to reverse the credit pending investigation. I called Citicards many times requesting to talk to an investigator, they take my contact number and tell me that someone will call me back but on one ever does. I am beginning to feel that Citicards doesn't really have an investigation department!!! So, I had to resort to this method to get my money back before I file a legal case

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 2019-01-05 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Citi wrote a letter dated XX/XX/XXXX. In the letter Citi stated " We ask that you contact us at XXXX to have your account reviewed. Our representative will assist in determining if there are available programs that suit your needs. '' I have contacted Citi on XX/XX/XXXX and after waiting on hold for about five minutes while the agent supposedly searched for what programs where available the agent came back and told me there were no programs available for me at this time and that I can call back after the end of the billing cycle which is around XX/XX/XXXX and have the account reviewed again. I called again on XX/XX/XXXX and was immediately to that there were no programs available to me at this time. I have contacted Citi twice now to resolve this however Citi is unwilling to negotiate any type of settlement or honor any one of my request such as removing this account from my credit report with the credit bureaus and still expects me continue making payments and charging me 26.99 % interest on an account that I can no longer use. 
In regards to the credit reporting and removing this account from my credit report with the credit bureaus Citi claims " Please be advised that under applicable laws, creditors are obligated to retain identifying and credit information in connection with a credit card account for a certain period of time. Therefore, although your account is closed to additional purchases, we are unable to delete your account records as you have requested. '' Credit reporting is not mandatory. Citi 's own customer agreement for the credit card states " We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may report account information in your name and the names of authorized users. We may also obtain follow-up credit reports on you. If you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing statement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that. '' Citi should be more specific and site specific laws it is referring to. Citi is not mandated, required, or obligated by law or its own customer agreement to report the account to a credit bureau so asking Citi to delete or remove the account that Citi closed on it own and without my permission or request and that I can no longer use is not an unreasonable request.

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 2019-01-05 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: AES/PHEAA
State: NY

Complaint narrative:
Issue # 1 : In XX/XX/XXXX my father sent a {$1000.00} check to the Department of Education XXXX XXXX XXXX to pay off {$1000.00} in principal on my student loans. I was still in school at the time, so no payments were actually due on the loans yet, this was just a payment to pay down some of the principal. My father 's check was dated XX/XX/XXXX and it was cashed by XXXX XXXX ( PHEAA ) on XX/XX/XXXX. However when I look at my loan information online, I don't see this payment deducted. 

I wrote a letter to XXXX XXXX on XX/XX/XXXX and sent it via Certified USPS mail asking them to let me know what happened to this payment. My letter was delivered to XXXX XXXX on XX/XX/XXXX, but I have not received any response yet after more than a month and a half. 

I have attached below the following documents that were already sent to XXXX XXXX : - My letter dated XX/XX/XXXX - Screenshot of {$1000.00} check being cashed on XX/XX/XXXX - Carbon Copy of my father 's {$1000.00} check dated XX/XX/XXXX I have attached these additional documents as proof that I have attempted to resolve this previously : - Post office receipt for Certified mail sent to XXXX XXXX on XX/XX/XXXX - Confirmation of delivery on XX/XX/XXXX for the same Certified letter Issue # 2 : I made a another Principal only payment by check in the amount of {$1700.00} accompanied by a letter dated XX/XX/XXXX with specific instructions about how and where the money should be applied. This check was cashed by XXXX XXXX ( PHEAA ) on XX/XX/XXXX, but they applied most of this payment to interest instead of principal and they applied it to ALL of the loans instead of the two loans I specified. They have also advanced the due date on my payments to a date in the future - which I did not ask to have done and do not want. 

I wrote the PHEAA Office of Consumer Advocacy a Certified USPS letter about this problem on XX/XX/XXXX asking them to fix it, but have heard nothing back yet after more than a month has passed since they received my letter. They received my Certified letter on XX/XX/XXXX. 

I have attached the following documents : - Certified Letter dated XX/XX/XXXX sent with check for the {$1700.00} principal payment. 
- Certified letter to PHEAA Consumer Advocate dated XX/XX/XXXX identifying the problem and asking that it be corrected. 
- Screenshot of my online loan account showing this payment was applied mostly to Interest instead of being applied to Principal only. Also shows being applied to ALL loans instead of the two I designated. 
- Monthly bill dated XX/XX/XXXX showing the 2 loans with the smallest balance, which is where this Principal payment should have been applied. 
- Confirmation of delivery on XX/XX/XXXX of Certified letter to PHEAA Consumer Advocate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the 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 2019-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: DE

Complaint narrative:
I contacted lexisnexis about inaccurate information on my lexisnexis report. I disputed all the inaccurate unverified information on XX/XX/2018, I asked them to verify all of the items on my report by providing original documentation from the data furnisher, along with any representative they spoke to. On XX/XX/2018 they sent a letter claiming to have verified all of the information but failed to provide the information on how all of the items were verified.I will include the letter I sent to Lexisnexis along with the letter they sent to me claimg to have verified the information. I want all disputed items deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
I am writing to inform you that FBC Mortgage LLC payment history is inaccurate information on my credit report. I am requesting that you deleted this account of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
I traded my XXXX XXXX XXXX lease in back in XX/XX/XXXX. My lease was traded in early, XXXX bought my lease out in the amount of XXXX which was the buy out amount. Im now a customer with XXXX and now leasing a XXXX XXXX XXXX. 

I received a bill from Toyota for the XXXX XXXX that I no longer have as of XX/XX/XXXX. I called Toyota Financial speaking to a rep who confirmed the reason I was sent a bill is because an odometer statement was not received. In addition they could not process the check until this item had been received. I was told to contact the dealer to send this info via fax. 

I call my dealer speaking to my salesman I told him about the situation and said that Toyota is calling for the odometer statement. He said he never sent one of these before and couldnt believe that Toyota was asking for this. He said that he would discuss with his boss and get back to me. This was fine I later received a text of the invoice that said the car was bought out by XXXX. My salesman called me to let me know he text me the invoice I confirmed receiving it. 

I then called Toyota the second time speaking to a new rep, I explained the entire conversation from the beginning and was told that I needed an odometer statement. I said that XXXX never sent a odometer statement in the past. The rep said in order to close the account that the statement was needed. 

I did my part by turning in my plates and going to the dmv etc Ive got all my receipts. So now Im caught in the middle and frustrated because XXXX will not send the odometer statement I guess to protect me or them from fees? I dont want this on my credit as Im trying to clean up my credit now. I really need help in this matter as you can see its really ridiculous Id be stuck in the middle of something that should have been taken care of from the beginning. Im not the owner of the car XXXX is I feel like any invoice concerning the XXXX should go to them not me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX FAILED TO RE-INSERT ACCOUNT NOXXXX AND XXXX BACK INTO XXXX CREDIT FILES AND VIOLATED THE TERMS AND CONDITIONS OF 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 2019-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on XX/XX/XXXX I purchased some XXXX tickets for {$300.00} and made the payment through XXXX. The following day, XX/XX/XXXX I found out that it was a fraud. 

I contacted the seller and asked for a refund to which they said no. 

I then contacted my bank, Chase, through which I made the payment to ask for their assistance in reporting it to assist getting my money back. They said there was nothing they could do. I tried to elevate it, but they stated again that there was nothing they could do. 

I am now out of {$300.00} when I thought my bank would assist in reporting the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: Security Credit Services, LLC
State: IL

Complaint narrative:
The debt below is not mines.I was never contacted by this company and given a chance to dispute account. By law I have 30 days after receipt of a debt to dispute. This information is wrong and not mines. 


SECURITY CREDIT SERVIC XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$31000.00} {$31000.00} XXXX XXXX XXXX XXXX XXXX, MS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: IL

Complaint narrative:
The debt below is not mines.I was never contacted by this company and given a chance to dispute account. By law I have 30 days after receipt of a debt to dispute. This information is wrong and not mines. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$31000.00} {$31000.00} XXXX XXXX XXXX XXXX XXXX, MS 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 2019-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The XXXX XXXX XXXX account below is showing as a charge off and failure to pay. This information is not correct. I have attached proof of payments as well as I have future payments setup to pay. By law a company can not give you a charge off and still collect payments on an account. They have also made treating comments and remarks about how they can collect for this debt. 

Details Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$27000.00} Balance Updated XX/XX/XXXX Original Balance {$45000.00} Monthly Payment - Past Due Amount {$27000.00} Highest Balance - Terms 75 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Comments - Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( 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 2019-01-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
I feel I being charged a fradulent Mortgage Interest Rate ( Adjustable-Rate Mortgage ) for the past Three years. My ( ARM ) is the type that supposed to adjust with the current market rate and I feel I have bern over charged for the last Three years. 

What caught my attention about my ( ARM ) being inflated, is when I contacted my Mortgage Service Company ( Seterus Inc ) on Friday, XX/XX/XXXX in the evening. I was speaking to a employee at that company in regards to my extra amount if payment I was paying each month to catch-up on a One month payment of {$400.00} and at that time my regular monthly payment was {$2400.00}. But what got my attention was I asked the Customer Service Representative what was the current ARM rate and he put me on hold for a few minutes to do some research and calculation, he came back with stating the current rate was 3.09 % and mines was at 4 %, so I asked him why was mines so much higher, my ARM is supposed to reflex the market rate. I am struggling to catch up on the One month I am behind and afraid I could lose my home if this Mortgage Company keeps increasing my ARM with these fradulent Rates. 

XX/XX/XXXX ARM Rate - 4 % - {$2400.00} XX/XX/XXXX ARM Rate - 4.25 % - {$2400.00} would have been {$2500.00} if I didn't pay {$780.00} Escrow Shortage XX/XX/XXXX ARM Rate when down to {$2400.00} because I paid the escrow Shortage. XX/XX/XXXX ARM Rate - 5.37 % XX/XX/XXXX - New Payment {$2600.00} My balance of my loan is {$260000.00} I am struggling to pay the One Month I am behind if the mortgage company keeps increasing my Mortgagepayment and I can not refinance my mortgage to a regular fix rate if I can not catch-up. 

I have all the paperwork about the ARM adjustments. They are saying that my interest rate calculation is done by a index rate and adding a certain number of percentage points called margin and taking into consideration any applicable rounding and intereste rate caps of 3.10388 % and a margin if 2.25000 %. 

I need some help with this situation, I believe I am being taking advantage if and being over charged for the last Three years.

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 2019-01-05 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: IL

Complaint narrative:
The XXXX XXXX XXXX account below is showing as a charge off and failure to pay. This information is not correct. I have attached proof of payments as well as I have future payments setup to pay. By law a company can not give you a charge off and still collect payments on an account. They have also made treating comments and remarks about how they can collect for this debt. 

Details Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$27000.00} Balance Updated XX/XX/XXXX Original Balance {$45000.00} Monthly Payment - Past Due Amount {$27000.00} Highest Balance - Terms 75 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Comments - Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( 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 2019-01-05 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: IL

Complaint narrative:
The three accounts below have a wrong balance. 


1. XXXX  XXXX XXXX XXXX {$120.00} {$300.00} 41 % Revolving Current XX/XX/2017 2. XXXX XXXX   XXXX {$140.00} {$200.00} 72 % Revolving Current XX/XX/2017 3. XXXX XXXX XXXX XXXX XXXX {$190.00} {$200.00} 100 % Revolving Current XX/XX/2017

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