vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Fair Financial Corp.
State: CA

Complaint narrative:
I have no problems with fair at all but they're very hard to get in touch with I was doing XXXX on the XXXX of XXXX I got to order at XXXX 's on XXXX XXXX in XXXX XXXX as I was making a U-turn on XXXX XXXX older women speed it up to hit me why she could collect insurance money insurance fraud I reported XXXX XXXX police by the Woman being white with two witnesses she told the police I turned on red when I was turning it was on Green I do not know how she could see the other side what could of the lights was I try to report start Insurance claim up but I didn't know the policy number so please help me Fair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
I filed bankruptcy in XX/XX/XXXX, included was a Moneylion loan that I had been paying on. Tied to that loan was an investment account with {$150.00} in it. These investment funds were exempt during my Chapter XXXX bankruptcy as they fell below the asset limit. My bankruptcy was discharged XX/XX/XXXX. To date,

even after this discharge, moneylion continues to refuse to return those funds to me. I have requested numerous times. They already had to have a complaint filed before fixing incorrect credit reporting, now at seems I have to do the same thing to get my investment money back that was not theirs to keep post-bankruptcy as they were exempt funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05 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: CA

Complaint narrative:
I bought tickets for a flight to XXXX on XX/XX/2019, to XXXX for departure date of XX/XX/2019. When I received the ticket and invoice to my email address, the name on the ticket did not match the name I had entered. I called the booking agency to figure out why my name was not on the ticket and how I could get a ticket for my name. They stated that any changes to the ticket require a {$120.00} fee. I refused to pay the fee as it was not my problem that they had made a mistake on their end. They would not refund me or change my ticket without an additional fee. I then filed a chargeback with my credit card company, Citibank, under " services/goods not received ''. I sent over all the required documentation to my credit card agency and received a letter stating that they had closed the case and I would have to pay the charge since they did not receive the documentation asked for.

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 2019-12-05 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery is reporting multiple collections with the account numbers # XXXX, # XXXX, # XXXX, # XXXX to my credit that are past the Statute of Limitations in Utah. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: UT

Complaint narrative:
XXXX XXXX is reporting multiple collections with the account numbers # XXXX, # XXXX, # XXXX, # XXXX to my credit that are past the Statute of Limitations in Utah. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.

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 2019-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed on XXXX to purchase tickets. I transferred funds of {$250.00} from my Chase account via XXXX. Once I transferred the funds, the scammer stopped responding to emails, text, and calls. I have his transfer information and name and he said his bank was XXXX XXXX. I am sending screenshots and confirmation number for proof. I tried calling Chase and they said they will not be responsible for any scam even though I used their services to transact. Please help and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting multiple collections with the account numbers # XXXX, # XXXX, # XXXX, # XXXX to my credit that are past the Statute of Limitations in Utah. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05 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: UT

Complaint narrative:
XXXX XXXX is reporting multiple collections with the account numbers # XXXX, # XXXX, # XXXX, # XXXX to my credit that are past the Statute of Limitations in Utah. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.

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 2019-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
We ( XXXX XXXX ) received this loan in XXXX from the below company.Shortly after the car was not functioning appropriately and was not working .The company refused to fix the vehicle and resulted in us making no further payments and that the company was then called to come and pick up the vehicle.They never fixed the vehicle or returned it to us .We have tried to contact the company to make restitution and have found that they have gone out of business and has several complaints on the XXXX.They removed the repossession from my wife 's credit report some time ago but not mine. We need this removed ASAP it is interfering with our home loan.Please contact XXXX XXXX XXXX or by email XXXX XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Reported balance Highest balance {$13000.00} You've paid off 16 % of this loan OVERVIEW Highest balance {$13000.00} Monthly payment {$420.00} Opened XX/XX/XXXX ( 6 yrs, 6 mos ) Term 44 months ( 3 years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Auto loan Responsibility Joint Remarks Repossession Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX USA ( 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 2019-12-05 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: CA

Complaint narrative:
To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of XXXX, XXXX, XXXX.I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- CLOSED ACCOUNT --1. XXXX XXXX XXXX XXXX with ACCT XXXX opened on XX/XX/2015 with a credit limit of XXXX-This is not my account.-- AUTO ACCOUNT --2. XXXX XXXX XXXX XXXX with ACCT XXXX opened on XX/XX/2015 with a credit limit of XXXX-This is not my account.-- COLLECTION ACCOUNT --3. XXXX XXXX XXXX with ACCT XXXX opened on XX/XX/2015 with a credit limit of XXXX-This is not my account.

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 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Responding to a promotion of {$200.00} bonus, I opened up a checking account at Peoples United Bank XXXX branch XX/XX/2019. By XXXX, I have met the requirement to receive the bonus. Not seeing the bonus posted to my account, I have contacted the bank multiple times. Back in XXXX, I spoke with XXXX initially, who said that he agreed that I had met the requirement, and needed to work with the back office to get this processed. Since then, I have followed up multiple times, all with the promise to call me back, but never happened across different bankers in the XXXX XXXX XXXX branch. Finally, Spoke to XXXX today who indicated that their marketing team refuses to grant the {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, my fiancee and I began the process of building a house. The loan company pulled our credit to get the loan process started. Mine pulled successfully on all credit bureaus except for Equifax, which showed an XXXX XXXX code. I called Equifax, thinking perhaps my credit was frozen. I called to find out that my credit was not frozen, and that there should be no error reporting. Equifax was clueless as to what error may have been happening. 

I got divorced and XX/XX/XXXX, and changed back to my maiden name in XX/XX/XXXX. Due to the fact that I was pulling the report in XX/XX/XXXX, I had the loan agency try to pull my information from my previous married name. It was successful at that time. Now, five months later in XX/XX/XXXX, we are to the point where our house is almost finished and the loan agency had to pull my credit a second time, and it HAS to be under my current maiden name for the loan to be finalized. Same error again. Equifax has no idea why it is happening and has been unwilling to help. This is threatening to hold up the closing of my house and the authenticity of my documents ( of being the right name ). I am at a loss for what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Funding/ XXXX XXXX #XXXX is reporting a collection to my account that is in error. This collection was paid off over a year ago and is still reporting a balance, it is negatively effecting my scores and it should not have a balance reporting. I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
We pulled ahead the lease and got a new lease. When I called Ford Motor Credit to see how it will work since we were paid ahead when we pulled ahead the lease I was told by the representative on the phone that Ford Motor Credit waives the last 3 months of the lease term and then should check with the dealership to see what they did with the remaining amount owed. This call happened on XX/XX/XXXX starting at XXXX and originated from phone number XXXX. 

I then checked the lease documents and saw first that they rolled the full amount owed into our new lease and the amount they rolled over was more than was owed according to Ford Credit. 

I spoke with XXXX the finance director at XXXX XXXX and XXXX, the dealership, on XX/XX/XXXX and was told they know nothing about waiving the last three months. They did admit they owed us {$140.00} which is the amount over the amount owed that they rolled into the new lease. They claim that " incentives '' covered the amount rolled over but could not pin point which " incentive '' did that. When I pushed that Ford Credit said they were waiving not giving an incentive XXXX claims to have called Ford Credit but his account of my conversation was not in any way accurate to the actual call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ECMC GROUP, INC.
State: MN

Complaint narrative:
ECMC continues to send me emails about a student loan account I do not have. I have called numerous times and sent emails letting them know I am not the intended recipient of the emails and that I do not know who they are ; me and my father share the same name and neither of us have student loans. The social security number ECMC has is not mine. The address on file also is not mine. When I spoke with the telephone representative on XX/XX/XXXX they understood that I was not the person they were looking for and I asked that they kindly remove me from email notifications. I have no records on my personal credit report of ECMC. I have received nothing in the mail from them. I simply wish that they stop contacting me regarding a loan that I do not have.

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 2019-12-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX/ XXXX XXXX #XXXX is reporting a collection to my account that is in error. This collection was paid off over a year ago and is still reporting a balance, it is negatively effecting my scores and it should not have a balance reporting. I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: LA

Complaint narrative:
XXXX XXXX/ XXXX XXXX #XXXX is reporting a collection to my account that is in error. This collection was paid off over a year ago and is still reporting a balance, it is negatively effecting my scores and it should not have a balance reporting. I would like it removed immediately.

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 2019-12-05 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: LA

Complaint narrative:
XXXX XXXX/ XXXX XXXX #XXXX is reporting a collection to my account that is in error. This collection was paid off over a year ago and is still reporting a balance, it is negatively effecting my scores and it should not have a balance reporting. I would like it removed immediately.

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 2019-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of $XXXX, $XXXX, $XXXX.I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- CLOSED ACCOUNT --1. XXXX XXXX XXXX XXXX with ACCT #XXXX   opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.-- AUTO ACCOUNT --2. XXXX XXXX XXXX XXXX with ACCT #XXXX   opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.-- COLLECTION ACCOUNT --3. XXXX XXXX/XXXX XXXX with ACCT #XXXX opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.

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 2019-12-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of XXXX, XXXX, XXXX.I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- CLOSED ACCOUNT --1. XXXX XXXX XXXX XXXX with ACCT #XXXX opened on XX/XX/2015 with a credit limit of XXXX-This is not my account.-- AUTO ACCOUNT --2. XXXX XXXX XXXX XXXX with ACCT #XXXX opened on XXXX XXXX XXXX with a credit limit of XXXX-This is not my account.-- COLLECTION ACCOUNT --3. XXXX XXXX XXXX with ACCT #XXXX opened onXX/XX/2015 with a credit limit of XXXX-This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Service Bureau
State: MN

Complaint narrative:
My medical debt, which I had a payment plan set up with the facility then they switched to XXXX and sent it to collections, I was trying to set up a payment plan on XX/XX/2019. I wanted to continue paying what I was paying with XXXX XXXX, {$100.00} every other week. I spoke with XXXX XXXX at Professional Service Bureau , INC in Minnesota. First of all, she was very difficult to understand and she clearly did not always understand me. She told me I had no choice but to pay in 10 installments and that was all they would accept. I informed her I could not afford that and that I could afford less. I offered first {$50.00} every two weeks. She then offered me a settlement and told me I needed to take out a loan or ask others for the money. She told me " you can just borrow against your 401K! '' She was very rude and condescending. She then told me the minimum was {$400.00} and I had to pay {$100.00} per week. I again said, no and offered {$200.00} per month. She threatened that my debt was going to a lawyer if I did not pay the full amount. I told her I couldn't. She then said I could pay {$200.00} per month. I said OK, where do I send it. She said, well it won't be a payment agreement and it will still be going to a lawyer. I said you said it would be, she then again changed her mind and said well it would be. She then said in a threatening voice, " YOU BETTER MAKE ALL THE PAYMENTS!! AND NOT MISS EVEN ONE! '' I asked if she was threatening me, she then said, WELL JUST MAKE EVERY PAYMENT. I felt very threatened by her tone and words.

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 2019-12-05 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: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I had an issue with American Express. One of my ex employees used my card for unauthorized expenditures. When the informed me that notwithstanding the unauthorized use, I was still liable for the charges I tried to work out an arrangement to pay over time. I was not able to afford the monthly payment amount they offered me so they filed suit against me. The attorney who represented Amex offered me a settlement amount, they said if I paid that amount it would be considered paid in full, the suit would be dismissed with prejudice and it would be a derogatory issue on my credit report. I borrowed the money, paid the law firm and the suit was dismissed. However Amex won't remove it from my credit report. Because of this unfair, deceptive and predatory action I have had difficulty getting credit and I have to pay a lot more in the interest rate. I would like Amex to live up to their end of the bargain and remove the derogatory remark from my credit.

Company response to consumer: Closed with explanation