vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I'm in an auto lease that I haven't been able to afford for some time.. Shortly after I received this lease it was clear that the sales person lied about the cost. I'm intimidated with sales guys and numbers and wasn't explained anything and was just asked to sign digitally and never got a print out of the credit application. I recently have been getting assistance from a charity and they discovered the credit application was completely fraudulent. They listed my salary at XXXX when it is more like XXXX, they list me as a XXXX, i'm not, i'm a XXXX. No one at my work ever got a call from the bank to verify anything. I asked my employer. No one ever verified anything at the bank/lender office and now I have made every effort to turn the car in and I'm being asked to pay XXXX. I don't have that kind of money and don't know how they can take advantage of people like this. I never missed a payment and have spent all of my savings over the past 2 years to keep my credit from being hurt. I have requested to turn the car in and have remaining payments waived along with any milage overages. They denied me ( last month ). I also requested a lower payment so I could manage it. they denied me again ( 20 days ago ). Sadly I have spent all of my savings and have finally got out on my own after suffering abuse by my partner and simply need this car to be resolved so I can provide a better life for me and my son. 

The current lease payment is XXXX and the insurance is XXXX. ( I was told the payment was XXXX total including insurance - that was a lie ). 
We have reached out to XXXX ( XXXX XXXX XXXX  ) and the  dealerships to assist and no one will do anything even though we have proved the application was fraudulently filled out. First call to XXXX was on XX/XX/XXXX, Followed up with Manager XXXX XXXX several times, no response. Spoke to his manager on XX/XX/XXXX and he advised they couldn't help and its the dealerships responsibility to get accurate DTI ( debt to income ) Spoke to the Dealership on XX/XX/XXXX - spoke to GM XXXX, he advised its the lenders job to verify and qualify any borrower they submit. 

I have 12 payments remaining XXXX totaling XXXX and am 12k mile over for XXXX in penalty ( i had someone help me with this ) {$7900.00} in fees hey want me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I'm providing a statement letter attached for my dispute against the merchant " XXXX - XXXX XXXX XXXX CA '' for {$990.00} on XX/XX/2018 on the card ending in XXXX. 

The merchant has not provided what was paid for. They have actually provided NOTHING in exchange for this transaction. I ask that you please carefully review this and credit back the funds or ask the merchant to provide what was paid for. 

Thanks, 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 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
The mortgage servicer SETERUS , Inc. isn't following the Mortgage servicing rules. 
I always make my payments on time. Please verify my records. 

According to my bank ( XXXX XXXX XXXX XXXX ), SETERUS, Inc. always cashes my checks between the XXXX  and XXXX day of each month. 

However, on XX/XX/2018 SETERUS sent an offer to reduce fees owed. The letter states that my account is in good standing but I owe {$1000.00} in unpaid late fees. 

I believe that SETERUS, Inc. is committing fraud because I have never been late with my payments. 

Enclosed is a copy of a letter received from SETERUS, Inc. that was sent to me. 

Sincerely, 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 2018-06-08 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: GA

Complaint narrative:
XXXX reported my account as 30 days late when I made special arrangements, due to a diagnosis of XXXX XXXX and XXXX in the month of XX/XX/XXXX. I have been a customer for 1 year, no issues with payments until I became ill. I contacted XXXX to let them know what my plans were on XX/XX/XXXX, as that is the day my loan is due. 
My payment is XXXX per month. OnXX/XX/XXXX, I paid XXXX on XX/XX/XXXX, I paid XXXX and on XX/XX/XXXX I paid XXXX to be all caught up. When I discovered they had reported me as 30 days late on XX/XX/XXXX, it made my score drop a whopping 100 points. I contacted them and they said they would do nothing. They were following government rules is what they said. I asked what rules they were speaking of I couldn't get a proper answer. I spoke with 3 separate people regarding this issue. XXXX, XXXX and XXXX who was the last person who told me they had to follow government rules. 
He was quite sarcastic and said it was nothing he could do. I ask if I could get a goodwill removal o the 30 day late, he said NO.

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 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2018, I attempted to obtain my annual free credit report using website XXXX. Although I was able to obtain my XXXX credit report Experian refused to provide report through this site without explanation. I reached out to XXXX  directly and requested an explantion and copy of said report to date XXXX  has refused to provide said credit report or reasons why the consumer can not obtain said report as mandated by law through 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 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Local Data Recovery, LLC
State: IN

Complaint narrative:
We received a call today from a company called Local Data Recovery. My wife talked to a guy who immediately threatened her with wage garnishment, or tax penalties if she did not pay this debt in full immediately. He told her it was a credit card through XXXX that was signed off in XXXX. My wife did not recognize that she ever had a XXXX card, which he called hear a liar about. Eventually my wife got fed up with the threats and the accusations, and just hung up. 

He eventually called back again and left a very insulting and abusive message about its going to court and we were going to get our wages garnished over it. Oh, but he was just trying to help? I had my wife call back and I then talked to both the guy and then his superior, which was supposedly an attorney? By talking to her I find it very hard to believe? She was just as bad as him and would not listen to us. At this point we still could not remember having a XXXX card because we do not shop there. She then said it was through XXXX and was just a XXXX card that could be used anywhere. I asked if she would please send us paper copies of the debt and account numbers? She refused and said they could only email it. My wife asked the same thing previously and they declined as well. 

In the process of talking to her she said that XXXX signed off on the card in XX/XX/XXXX. Later on when I said that the XXXX in Indiana is 6 years, she then changed it and said they signed off on it in XXXX. She was looking at the wrong account, which was a lie. The guy gave the same date to my wife previously, even giving her S.S. # and birthdate. So I know they were looking at the right info. As I was talking with this attorney my wife found an old XXXX account we did have through XXXX that was bought out by another collection agency Velocity who we paid off with in XXXX. We even have a letter from the agency stating that the account was paid in full. 

So, we have no idea how they got the info or why this has come up? We have dealt with creditors before and they were nothing like this even when legit. These people were awful and dishonest. They made my wife get very upset and distressed over something we had handled a few years back. I have read about the strong-arm tactics of this outfit and their bad reputation, but this has pushed me to the brink of taking legal action against them. Can you help us please? 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of fraud. 

On XX/XX/XXXX I sent a {$60.00} XXXX digital payment from my Bank of America account to someone's cell phone number to buy tickets for a XX/XX/XXXX XXXX XXXX concert at the XXXX music venue in XXXX XXXX. 

The tickets were non existent. I was scammed. 

I reached out to Bank of America who claims all debit card transactions are covered. But after they responded that the investigation was closed because I initiated the transfer. I am a long time customer and I feel scammed by Bank of America too. I am very upset. I am an over 20 year customer with Bank of America. 

On XX/XX/XXXX I sent {$60.00} to this fraudulent person, XXXX XXXX at this number XXXX. The cell number this person was using to communicate is XXXX. 

I would like Bank of America to step up and tell us that they don't cover everything. And that they don't cover XXXX digital payments. I would like a {$60.00} courtesy refund from Bank of America.

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 2018-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I take home ~24,000 a year. I have a loan costing me {$310.00} per month and a 14 % interest. It's feeling impossible and I feel like I'm drowning between that, cost of living in XXXX, student loans, and everything else. 

Santander refuses to restructure it. They've accepted late payments but they won't work with me on a lower payment and interest. It's killing me. I can't refinance anywhere and I can't sell the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hewitt-Capital
State: NM

Complaint narrative:
I XXXX XXXX, formerly XXXX XXXX have been contacted by Hewitt Capital LLC a company that claims to have bought my Debt from XXXX XXXX XXXX, who bought the debt from XXXX XXXX XXXX. I did take out this loan from XXXX XXXX and fell on hard times and could not pay the debt on time. I have made efforts to make as many payments as I could with XXXX before they sold the debt. Hewitt Capital in their communications which I have recorded is claiming to be XXXX XXXX XXXX  XXXX but the company name is Hewitt Capital LLC as registered with the XXXX XXXX XXXX. I have attempted to get verification of the debt and was given an email attachemnt with a letter to a previous address that I had stating only the original account number the original creditors name and the amount due. I sent an email return asking for more info in the form of the loan documents to verify. The XXXX has an alert on the company stating they could not provide all the Bonding and exemptions for states they claim to collect in. I also did more research and found numerous consumer complaints of this company and this was why I asked for more verification from them. They still have yet to provide in my opinion adequete proof they are who they say they are. In addition the company has threatened to file suit on me if I do not contact them by the end of the business day which according to them is XXXX XXXX XXXX time. According to the XXXX the company is based in XXXX XXXX but calls to my phone have been from a XXXX number. To this time the company has been bullying and used extreme tactics even though they have only had this debt for a few months. In addition the company has kept extending their dead lines on when they intend to file suit twice so far. If you could please possibly get back to me my number is XXXX with advice or if this company is legitimate. I am very concerned and have only been attempting to protect my self from fraud. lastly I did make an offer to pay the company a minimum of XXXX $ per month in addition to their XXXX $ processing fee and was told they could not accept that amount. They did make the claim they would put in for hardship and make a good reccomendation to the Judge for me. With all the infromation I have so far I do not feel comfortable handing out my information to these people fearing a scam or fraud. Any help in this matter would be greatly appreciated. Thank You and have a wonderful day

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Real Time Group, Inc.
State: IL

Complaint narrative:
The personal loan was originally with XXXX. XXXX became the financial company associated with this loan. Due to my husband 's job loss, we have been struggling to make full payments. Real Time Resolutions then took over our account. My husband spoke with XXXX XXXX about creating a payment plan. When he created this payment plan in XX/XX/2018 of {$50.00} every two weeks with XXXX XXXX at Real Time Resolutions, we were told that if we made consistent payments of an agreed amount our credit would not be negatively impacted ( no report of delinquency would be communicated to credit bureaus ). We received the letter attached below from Real Time Resolutions demanding payment in full of the loan ( {$4600.00} ) in order to avoid Real Time Resolutions reporting delinquency to the credit bureaus. My husband called Real Time Resolutions regarding this communication. They are saying we must pay the balance in full immediately in order to avoid any issues with the credit bureaus. This information is contrary to what we were told when we created the payment plan. We are making good faith payments, directly debited from our checking account, in order to keep ourselves above water with this as best we can since we are now only bringing in one income with a household of six which includes college payments going out as well as all other household and living expenses. Real Time Resolutions is not being consistent with their information to us as we work through this challenging financial experience. See account information for both XXXX and Real Time Resolutions below : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX   XXXX Real Time Resolutions XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: DE

Complaint narrative:
I disputed an error on my Experian credit report on XX/XX/XXXX. They have a negative account from XXXX XXXX company listed on my report that has been paid in full since XX/XX/XXXX. I know for a fact the account is paid off and closed because the loan was for a car and XXXX XXXX sent me the title to the car last year in XXXX XXXX which has been sold in XX/XX/XXXX. 

The response to my dispute is that it would remain as negative information on there because the information was verified as accurate. That is incorrect information and it needs to be removed. Also, they have been reporting account information after XX/XX/XXXX that says the account is OK or has been paid monthly when there is nothing to pay on the account for over an entire year.

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 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX regarding a XXXX XXXX Credit Card debt in XX/XX/XXXX, by mail. I called to negotiate payment. We agreed upon a one-time pay off of {$1300.00}, which would come out of my bank account via debt card. They wanted my account #, but I would not give it. 
The debit was to occur on XX/XX/XXXX. Unfortunately my bank blocked the initial debit thinking it was fraud. I received a text notifying me of this. I responded to the text and confirmed it was not fraud. The bank responded via text saying it would honor the debit and to try again. 
I called the direct agent ( extension number ) of whom I'd made the previous arrangement and left a message to run the debit again. They did not. I called back today ( XX/XX/XXXX ) and now they want {$1600.00} to clear the debt, stating the original agreement was void and I had not tried to contact them. 
I'm willing to pay the original {$1300.00} agreed upon, but can not afford the {$1600.00}. They threatened lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: GA

Complaint narrative:
Despite numerous repeated attempts to correct over 20 different reported incorrect address information including asking verification from their third-party source, the credit reporting agencies are still continuing to report addresses for which I never lived or have not lived in over 20 years. As a result, I have been frequently denied access to my credit file and/or denied for credit because I have been unable to verify my identity " as it is being reported to them.

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 2018-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
XXXX XXXX Account number : XXXX Vehicle Identification Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX TD Auto Finance XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Disputing error [ s ] on credit report To whom it may concern, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report. The report shows I currently owe {$3200.00} and also I have been late of payments from XX/XX/XXXX to XX/XX/XXXX. However the account has been closed since XX/XX/XXXX when was determined a total loss due to damage of car. The company received payments from my insurance company as well as my GAP coverage and all other vehicle contracts payment which is listed in payment history which should have cover the balance of the car. I recently obtained credit report in XX/XX/XXXX and discovered the company had a balance of {$3100.00} and late payments from XX/XX/XXXX to XX/XX/XXXX payment status charge-off. I was aware the company received payments from all insurance companies and believed account was paid in good standing. Once I reached out to the company and disputed the issue with all three credit consumers in XX/XX/XXXX to fix errors XXXX XXXX XXXX stated the balance was incorrect and requested time to fix error but stated they did not have to reach out to me about any balance been owed however that would have help the situation if company communicated before adding late payments and incorrect balances to my credit. After the dispute I received my updated balance which is {$910.00} XX/XX/XXXX. I reached out to company once again to ask why did they update the balance to {$3200.00} and also the late payments from XX/XX/XXXX to XX/XX/XXXX on my credit report. The company stated the balance of {$910.00} need to be paid before updating my credit report but have once again updated false information as you can see in XX/XX/XXXX and the credit reports giving. I will like the information removed immediately from my credit report which is making it hard for me to open other lines of credit. This matter should have been handled with better judgment and I know the account has been updated but not correctly. I have never missed a payment and should have received a letter months ago pertaining this matter. 


I have attached both copies of my report with the accounts from XX/XX/XXXX and XX/XX/XXXX it shows they did not update it to the correct balance also they added more money to balance and more late charges. The payment history I obtained from company. Also the only letter I received from the company this year regarding the balance. 


Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief