vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: MT

Complaint narrative:
My original payment plan was around {$290.00} every check. I was unable to make a payment and they did in fact lower my payment to {$230.00} every check. I had even called in when I had some extra money and paid them {$300.00} with my debit card to try to pay it off faster. When I looked at my account online, the XXXX had not lowered my balance at all. When I called to inquire about this, they told me that since I had not specifically said that I was using the XXXX to replace one of the specific payments that I still owed them the 5 payments of {$230.00} dollars that I already did before making the {$300.00} payment. XXXX Basically I was supposed to say, " hi I 'm calling to make my payment for XXXX right now. '' ) So essentially I just gave them {$300.00} without it paying down my loan at all. 
About a month ago I had a car repair I needed to make. When I called them to see if they could let me skip a payment and make it up with my next check, they wanted to put me on a payment plan for {$300.00} for another 10 months. The principal was {$1000.00} And I 've already paid them {$1600.00} to date. The interest rate is over 700 %. I 've contacted them and told them I 'm not paying them anymore money. I 've also closed my bank account they had on file for me. This company and others like it are predatory towards people with not so great credit, who are in a pinch and feel like they have nowhere else to turn. They need to be shut down.

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 2017-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: RI

Complaint narrative:
We have been experiencing extreme hardship, me with an injury that left me XXXX which forced me into early retirement after XXXX yrs as a XXXX XXXX for the XXXX XXXX XXXX, then a XXXX XXXX XXXX XXXX to on/off to date ; my husband 's loss if his job last XXXX XXXX re-employed as of XXXX XXXX ). Thus we applied for a modification through our mortgage company, Nationstar in XXXX of XXXX. In our humble opinion, we received horrible service in our attempt at modification ; scanning in their computer which was never downloaded which held up processing, us constantly scanning, rescanning & faxing docs, talking to people who were rude, totally unprofessional, unknowledgable, being told frequently that part of the mod packet had expired & had to be resubmitted, etc, etc. We were told by one representative that Nationstar demonstrated this common behavior on purpose to gain more interest on the account, XXXX they certainly did. 1 year & a half later this matter has not been resolved ; we never received any response. We refiled in XXXX of XXXX, the new company, XXXX XXXX claims Nationstar sent out a decline in XXXX, XXXX. We NEVER rec ; d it. The company has now become XXXX XXXX, and I must say they are more customer friendly ; however misinformation is still rampant. 
We contacted HUD in the summer, that representative was no help. He resubmitted another mod & left us hanging with no action on our behalf. After receiving a foreclosure notice at the end of XXXX, we contacted another HUD representative who filed another mod on XXXX/XXXX/XXXX. We were told by the HUD official the the mod was declined for " insufficient processing time '' before the foreclosure, According to my research of federal regs, the consumer has up to 10 days before a foreclosure to file a modification. 
We contacted XXXX XXXX and relayed the same. At first they continued to refer to the 30 day allowance they had used for the purpose of the decline. Then a XXXX kindly stated she would look into it. We are waiting to hear the outcome, and would greatly appreciate any assistance provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I contacted Transunion about inquiries on my report that were n't authorized by me. I also contacted Transunion about a glitch in their reporting that removed inquiries and they replaced them my report without giving me notice in the mail 5 days prior as they should.

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 2017-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received at my home address a Wells Fargo mailer offering a {$300.00} bonus to open a new checking account. The issue is that the first name on the mailer is unknown to me but the last name and address are correct for my home. I am the original owner of that address so no other names can be associated with the address. 

I contacted Wells Fargo in an attempt to ensure that no current account existed and that no future account could be opened using this name and address combination. All I was able to ascertain was that no account using my SSN was currently open. 

Given the history of Wells Fargo opening 1.4 million fraudulent accounts I am very concerned that there is a potential for identity theft or other fraud possible from this mailing. 

I want to know the source of this addressing information used by Wells Fargo and I want to ensure that no account using this name and address combination can be opened with Wells Fargo.

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 2017-11-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
Last year I purchased XXXX Nissan altima SV through XXXX XXXX dealer. It is a very bad experience. 

Without my knowledge I ended up as a lease contract. I went to XXXX XXXX for purchasing Nissan altima SV. the sales person bought me a quote and said shows monthly payment as XXXX for nissan altima sv for 36 months for 0 % Apr for finance. Then I said i will purhase. 

After 1 month of purchasing car I realized that it is showing as lease in XXXX website. I contacted XXXX XXXX then they said I leased car for XXXX for 36 months and after 3 years if i wnated to purchase i have to pay residual value of {$13000.00}. All of a sudden i felt i got trapped by this dealer. I looked at papers what i have signed they are related to lease. 

The actual car value on their website shows {$19000.00} when i purchased car. Since they changed as lease they charged my monthly payments for sticker price which is {$31000.00}. I never asked for lease. Beware of this fraud by the dealer. I reached to XXXX XXXX they said they ca n't do anything to fix it up since it is sold by dealer. 

They said it is Finance purchase and on papers they says it as a lease when signing papers. This is my first time purchase so I did not checked contract papers trusting dealer and got XXXX XXXX by this dealer for {$13000.00} additional price. 

The market value of this car is after 1 month is less than {$18000.00}. I purchased it on XX/XX/XXXX. By 1 month I lost around {$13000.00} according to their price tactics done by Dealer and XXXX XXXX. 

All Nissan Dealer advertisements show lease for approximately {$200.00} nissan altima 2.5 s. How come Nissan altima sv lease payment is XXXX . They are big fraud dealer and XXXX XXXX is encouraging this kind of practices by supporting their dealers. 

The persons involved in this are Sales person : XXXX XXXX, Internet sales manager : XXXX XXXX Finance manager : XXXX I have called many times dealer using my phone number but they never responded to my phone calls or voice mails. So I tried calling with a different number now they answered my call. If dealer do n't want to answer customer calls then they should say it directly that we can not resolve the issue in stood of not answering calls. 

Finally I was able to speak to XXXX on XX/XX/XXXX using my spouse mobile phone. Anyways issue is not resolved after speaking to Dealer. 

Is anything can XXXX XXXX fix this issue. I ca n't pay {$31000.00} for {$18000.00} worth car. I know you guys can say easily it is not on your hands since I made Transaction at dealer. But if you can please resolve issue. If you guys really want to resolve issue You guys can look at Transactions done by all your dealers in USA and see if the same car is sold for {$31000.00} in Month of XX/XX/XXXX. Can you guys help me to fix this. 

I 'm attaching contract and Pay off quote from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: IL

Complaint narrative:
On XXXX XXXX, 2017, I received a text offering a payday loan. Since I was in financial need at the time, I clicked on the link in the text and filled out the online form. I then received a phone call from a woman at XXXX XXXX XXXX who walked me through the steps to get approved for a {$1000.00} loan. When I asked the rep how much this loan would cost me, she informed me that with the interest, the total amount to pay back was {$1100.00}. I received an email stating that my loan was approved and the funds were on the way. 

After making my initial payment of {$330.00}, I noticed that the loan balance had not decreased very much, so I contacted the company. A rep informed me that only {$50.00} of my payment went to the balance and that the rest went to interest. The rep then emailed me an interest statement that I " allegedly signed '' agreeing to an astronomical interest rate of over 600 % and that the cost of the loan was actually {$4000.00}! 

I never signed this interest disclosure and was not ever made aware of anything that was included on it. After further review of the disclosure, I realized that my name was n't even spelled right on the document and the electronic signature, with my name spelled incorrectly, was time stamped for XX/XX/XXXX at XXXX. The loan approval email was received on XX/XX/XXXX at XXXX. How could I have signed something at XXXX when the loan was already approved and the funds were being transferred at XXXX. I never saw this disclosure statement nor did I sign it when the loan was initiated.

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 2017-11-15 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: NC

Complaint narrative:
Consumer has reached out to Equifax on several occasions in order for Equifax to remove erroneous information that should not be reporting on this consumer 's credit report. 
On XXXX XXXX, 2017 the Debt collector XXXX XXXX, XXXX withdraw all accounts from this Consumer 's credit report. 
As of XXXX XXXX, 2017 ) today ), Equifax continues to report this erroneous information despite having this information from the Debt Collector. 
Equifax is uncooperative and refuses to remove this negative account which is causing this consumer great harm. 
Equifax needs to remove this account ACCT # XXXX, IMMEDIATELY form this consumer 's credit report and any accounts originating from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I contacted XXXX about inquiries on my report that were n't authorized by me. I also contacted XXXX about a glitch in their reporting that removed inquiries and they replaced them my report without giving me notice in the mail 5 days prior as they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp
State: FL

Complaint narrative:
I was contacted by a third party company promising to reduce my student loan debt or even erase it for a fee of {$1300.00}. Name of the company is Equitable Acceptance Corporation and the account was opened on X/XX/2017. They have not even contacted XXXX or provided any type of service that they have promised to provide. I would like to not have to pay this scam company any more money and get it taken off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
the following account was once held by another collector. after sending in letter to previous collector to inform them the account is not mine. Previous collector responded with a letter to delete account collection. They complied and the account was removed from the collection agencies. Now this same debt is reporting on my account under a different Collection Agency and that the CBs deleted. New collection agency has not contacted me not letter no phone calls nothing! I was checking my credit report due to XXXX hack and came across this on my report. I have had to deal with XXXX and no help, they wo n't even look into the matter that, they continue to accuse me and I 'm letting them know they either misidentified someone or enter wrong information, however this is not me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I accessed my credit report and noticed several errors. On XX/XX/XXXX I wrote a detailed letter to the credit reporting agency Experian and each of the companies listed on the report reflecting accounts which were not mine. I provided sufficient information to both Experian and the various companies to identify the inaccuracies and make necessary corrections. Examples of information provided included copies of my birth certificate, bills, bank statements, pay stubs and letters to the companies listing the incorrect tradeline. I received one form letter asking for information which had been previously provided. On XX/XX/XXXX o replied and out of professional courtesy I again provided all of the information previously provided in my first letter along with outlining each of the items requested in Experians letters for avoidance of doubt. To date XX/XX/XXXX I have received no information from Experian regarding this matter, to the best of my knowledge the tradeline and personal information errors have not been corrected and I have received no written rationale for verifying any of the information either. For avoidance of doubt, Experian as of today XX/XX/XXXX is 18-days ( from receipt of my first letter XX/XX/XXXX ) and 26-days ( from the date of my first notice ) over ( pass due ) the 30-days granted by law to investigate and correct or provide written rationale for verification.

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 2017-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX, Transunion, and XXXX credit bureaus are guilty of selling and maintaining my credit reports to obtain money 's that are not legal to do. They are holding credit files that are not from the original owners. And for that reason I wish to file a section 609, which states if the collector can not prove that they are the original owner of the credit file then that file must be taken off the credit 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 2017-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: NC

Complaint narrative:
Debt has been paid, and original creditor has no recollection of ever using FBCS. 

The debt is for an emergency room visit on XX/XX/XXXX. The emergency room has confirmed today, XX/XX/XXXX, that the debt was paid by my insurance company in XX/XX/XXXX. 

The debt of {$1300.00} was apparently sold to XXXX in XX/XX/XXXX. They have been calling me repeatedly since then. One such phone call, on XX/XX/XXXX at XXXX XXXX, was with a woman who rudely told me that this will continue to haunt my debt and angrily hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
XX/XX/XXXX I contracted four, two night stays with the courtyard marriott in XXXX. This is for a total of 20 rooms PER night. 

XX/XX/XXXX ... .the program was not selling and we released the space a minimum of 45 days prior to any of the dates. 

The credit card was charged {$23000.00} and American Express permitted the charge on a card number that was NOT PROVIDED TO THE XXXX. The card provided to the hotel was compromised and was shut off PRIOR to the charge being processed. Why would American Express permit these charges? Is this collusion between someone at the hotel or the hotel ownership and American Express? 

I have fought via American Express with the hotel, because the management is not responsive. The hotel ownership, XXXX is impossible to contact and the fine folks at XXXX Corporate are not willing to step in. 

The best part is, ALL THE ROOMS WERE RESOLD and the hotel did not experience any harm!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
My attorney was assisting me in settling this matter with Carrington Mortgage Services LLC. On Tuesday XX/XX/XXXX, Carrington 's attorneys XXXX, XXXX XXXX XXXX confirmed to my attorney that Carrington Mortgage received a complete loss mitigation application and no sale date was set. 

On XX/XX/XXXX I received a letter from Carrington Mortgage Services LLC dated XX/XX/XXXX, stating that my application for mortgage assistance will not be considered because there is sale date within the 37 days of receiving the my initial application of a now scheduled sale date for XX/XX/XXXX. 

I have a confirmation from my attorney that Carrington Mortgage Services LLC received my mortgage assistance application on XX/XX/XXXX, FIFTY DAYS BEFORE any sale date existed. 

This is a clear violation of the dual tracking laws. I have been pre approved to for a loan to settle this matter and this bank is acting in bad faith and trying to foreclose on me. I ask that the CFPB look into this immediately, postpone the sale date until this matter can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC
State: CA

Complaint narrative:
XXXX XXXX, you have 24 hours to reply to this NOTICE! 

There has been great fraud with XXXX not able to do business in California from XX/XX/XXXX to XX/XX/XXXX and the DOT was in XX/XX/XXXX which made it void and was not a deed of trust it was Void from the start, and Forgery of my name on the 1-4 rider and won by default in court by way of no Jurisdiction case dismissed. Everyone including XXXX XXXX XXXX XXXX of yours has been involved trying to foreclose on a non existent DOT. 
I am of need for this TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. 
There are many arrest WARRANTS issued of 42 Individuals so far with a bill by notice of default sent to 5 different Agency 's Including : Donald Trump, DOJ, GAO, U.S. MARSHALL, SHERIFF DEPT., and now Donald Trump is reorganizing this site as well with the CEO stepping down. see notes to all of the 3 Companies that are doing the fraud, and have no problem issuing more WARRANT AND DEFAULTED BILL TO ANYONE WHOM IS INVOLVED AS A 3RD PARTY COMMITTING FRAUD AND KNOWINGLY OF THE FORGERY. 

notice to and other Agency CEOS ... XXXX XXXX XXXX CEO or Vice President of XXXX XXXX You have 24 hours of this Notice to reply from today 's date as you have not responded in the time allowed previously, please see attachments. XXXX XXXX XXXX NON DISCLOSURE!!! ALL RIGHTS RESERVED ( XXXX : see link above. ) XXXX XXXX as acting as TRUSTEE AND XXXX XXXX XXXX XXXX. AS WELL AND SERVICING AGENCY AS SERVICER is in collusion all together to try and pillage the lands and properties of XXXX, XXXX and many others across the lands, This is in Collusion with ... ... ... ..No Abandonment claim nor right to Service, XXXX XXXX XXXX XXXX  XXXX can not service loans or use the word servicer under a IRS Bulletin 544 Installment sale and XXXX XXXX Material Violation Select Pretend Services Transfers and servicing of financial assets - XX/XX/XXXX - Sale of mortgage servicing rights with a subservicing ... Regulation AB mortgages , installment loans, minimum lease payments under sales-type and Nonrecognition of transferred financial assets Read ASC 860 and SFAS 140-3 Non nonrecognition rules -What Mortgage, Its gone for bond then no more mortgage Violates 1122 AB under the SEC ... DIVEST YOUR SELVES YOUR BOTH ON NOTICE AGENT TO PRINCIPLE, PRINCIPLE TO AGENT Also the UNITED STATES TREASURY HAS MY ENDORSEMENT PAY TO THE ORDER OF AND XXXX XXXX XXXX FOR DEPOSIT PAY TO THE ORDER OF ENDORSEMENT ( V.C. ) AS OF 2 WEEKS AGO APPROX AND DELIVERED. ONE MORE SHALL GET IT ... THANK YOU FOR YOUR BUSINESS.

Company response to consumer: Closed with explanation