vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
When I leased my XXXX XXXX XXXX from XXXX XXXX XXXX, I was told I would have the option of ending the lease early. XXXX XXXX XXXX said to stop in any time in the last 3 months of the lease. The lease was to end in XXXX so in late XXXX, I stopped by dealership to talk about turning it in early and possibly getting another vehicle. In considering a new vehicle, the dealership added in charges for the last 3 months of the lease on the XXXX XXXX. I emailed and said that had not been what I had been told and I wasn't happy with the bait and switch and would be looking elsewhere. I had been a customer of theirs for several years. XXXX XXXX XXXX 's Finance Manager emailed me and said that as they had made an error they would cover the last 3 months of the lease. I asked if there were any contingencies and they did not give any. Thus I turned in the vehicle. All I signed for in turning in the vehicle was the mileage on the odometer as one does when trading in or turn in any vehicle. I then received an invoice from Ford which included mileage overage fees AND the cost of the last 3 months of the lease. I told Ford I would pay the mileage charges but NOT the last 3 months of the lease because their agent - XXXX XXXX XXXX Dealership - had agreed to pay. XXXX XXXX XXXX then refused to pay the last 3 months. I sent Ford the email - written documentation from XXXX XXXX Ford showing they agreed to pay the 3 months. Ford Credit refused to acknowledge the email documentation and stated I was lying. I tried for 6 months to resolve the issue. They threatened legal action and so I gave up and paid the entire amount due. The attorneys for Ford Credit also refused to acknowledge the agreement by their own agent - XXXX XXXX XXXX - to pay the 3 months left on the lease. 

Ford Credit then noted on my credit report that the lease was paid late which was not true. Until I turned it in, I always paid on time and more than due. 

Further, when I disputed the information, Ford changed it from late to a Charge Off which is further damaging my credit report. This is being done in retaliation for me disputing at all. 

The harassment which came at me from not only the attorneys Ford hired but also from XXXX XXXX XXXX Dealership was extremely upsetting. I have XXXX from domestic spousal abuse and was going through horrific divorce at the time. What Ford, their attorneys and XXXX XXXX XXXX put me through did not help my XXXX at all but just made it worse. 

I need assistance in getting this resolved. I have the email from XXXX XXXX XXXX documenting the agreement to pay. This should not be a charge off. I did all I was supposed to do. It was Ford 's own agent who failed and lied to me - customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Date : XX/XX/2011 Amount : {$7300.00} Action Taken : Called mortgage bank, my attorney, seller 's attorney, and title insurance company and all multiple times. 
Re : real estate closing transactions I was asked to pay checks for {$23000.00} even though I was supposed to pay {$17000.00} at the closing. I was also threatened by the bank attorney XXXX XXXX XXXX that If I don't pay everything they are asking for, I will lose my down payment and that I will not be able to close anymore. 

I overpaid {$1100.00} city taxes for the property at the closing. And, there is no account of {$6200.00}. 

I explained everything to the bank but they refused to accept my explanation to them and claiming that bank does not own me any money and that all calculations are correct. 

Hud closing document and title insurance closing documents are not matching either. 

My attorney, XXXX XXXX refused to cooperate with me in any manner after receiving his legal fee from me for doing nothing. He even asked me to bring more money at the closing than I should be bringing. 

Moreover, none of these documents have matching numbers

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 2019-04-12 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I SUBMITTED DISPUTES OF COMMON ERRORS ON MY CREDIT REPORT SUCH AS THE WRONG AMOUNTS AND DATE OF LAST ACTIVITY ON THE ACCOUNTS. THE CREDIT BUREAUS REFUSE TO SHOW VERIFICATION OF HOW THEY INVESTIGATED THE PROBLEM. ACCORDING TO THE FCRA THEY HAVE NOT COMPLETED A THOROUGH INVESTIGATION. THEY ARE USING AN AUTOMATED SYSTEM. 

I NEED A REASONABLE INVESTIGATION AND PROOF THAT THERE WAS AN INVESTIGATION TO THESE ACCOUNTS THANKS

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 2019-04-12 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: CORELOGIC INC
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have a few address on my file that are not accurate. I never lived at XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX  XXXX. My DOB is XXXX My SS # XXXX please remove any variations of my name they are not accurate.

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 2019-04-12 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: Innovis
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have a few address on my file that are not accurate. I never lived at XXXX XXXX XXXX XXXX, XXXX, OH XXXX ,XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX My SS # XXXX please remove any variations of my name they are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is CREDIT COLLECTION SERVIC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT COLLECTION SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDIT COLLECTION SERVICE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDIT COLLECTION SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where CREDIT COLLECTION SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CREDIT COLLECTION SERVICE has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account 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 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent letters last year in regards to this issue and have not heard back from them, Equifax and XXXX. They are all dated for the year 2017 from XX/XX/XXXX to XX/XX/XXXX and I don't recognize all of this inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed a complaint with CFPB about this issue already and it was closed. I've been with Wells Fargo almost 10 years now and the last year and several months they have been holding my payments to and from me until I overdraft, adding a payment they never showed on my account until that point. They constantly charge me overdrafts and then act like they're doing me a favor with a " one time convienience '' of returning partial credit of what I paid. They did the exact same XXXX here and still refused to acknowledge what they've been doing. I made 2 purchases at the same store, at the same time, on the same day at XXXX and a legal company and both times the fees were taken out 4 to 7 days apart. They are stealing money from me regularly and it is not a favor to give some of it back. They need to be stopped from the horrid practices of stealing from people they know can't afford attorneys against XXXX XXXX   corporations.

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 2019-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have a Cash App account. On XX/XX/XXXX this I sent a payment of {$100.00} to XXXX XXXX. The payment was accepted by XXXX so I canceled the payment on XX/XX/XXXX. The canceled payment of {$100.00} was still shown to be missing from my checking account so I called my bank XXXX XXXX to describe what happened to get the funds credited back to my account. I thought the situation was resolved til the morning of XX/XX/XXXX at XXXX XXXX  I received two emails from Cash App. The first email was to notify me that my account had a negative balance which was confusing since I had not made any transactions that would have placed my account in the negative. The second email stated the canceled payment I canceled for XXXX XXXX on XX/XX/XXXX was canceled and credited to my cash app balance. But it also stated that my balance was - {$100.00} and to make a payment to cover the negative balance. I tried to get in contact with Cash App but they do not have a working line that allowed me to speak with a customer support rep. In addition to this issues, someone sent me {$81.00} they owed me, and I instead of holding the {$81.00}, the {$81.00} was credited to the - {$100.00} balance. I do not owe Cash App anything, and this is either a glitch in their system, or a case of fraud. Either way I would like this issue resolved immediately! I am going also to file this complaint with the XXXX XXXX XXXX as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: AES/PHEAA
State: FL

Complaint narrative:
XXXX XXXX  SHOWING AN LOAN ON MY XXXXXXXX XXXX  AND XXXX THAT IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I SUBMITTED DISPUTES OF COMMON ERRORS ON MY CREDIT REPORT SUCH AS THE WRONG AMOUNTS AND DATE OF LAST ACTIVITY ON THE ACCOUNTS. THE CREDIT BUREAUS REFUSE TO SHOW VERIFICATION OF HOW THEY INVESTIGATED THE PROBLEM. ACCORDING TO THE FCRA THEY HAVE NOT COMPLETED A THOROUGH INVESTIGATION. THEY ARE USING AN AUTOMATED SYSTEM. 

I NEED A REASONABLE INVESTIGATION AND PROOF THAT THERE WAS AN INVESTIGATION TO THESE ACCOUNTS THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent letters last year in regards to this issue and have not heard back from them, XXXX and Transunion. They are all dated for the year 2017 from XX/XX/XXXX to XX/XX/XXXX and I don't recognize all of this inquires.

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 2019-04-12 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: FL

Complaint narrative:
XXXX XXXX SHOWING AN LOAN ON MY XXXX, TRANSUNION AND XXXX  THAT IS NOT MINE

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 2019-04-12 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX XXXX SHOWING AN LOAN ON MY XXXX, XXXX  AND XXXX THAT IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: FL

Complaint narrative:
XXXX XXXX SHOWING AN LOAN ON MY EXQUIFAX, XXXX   AND XXXX THAT IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I had a medical emergency a couple of years ago at XXXX XXXX in XXXX XXXX, Texas. During my visit I had to provide my medical benefits-insurance information to be seen. All information was provided at time of check in. I never received notice to provide additional information during my visit or thereafter. Many months later I received notice of a collection account on my credit profile. I did not receive information to validate said debt nor did I receive and EOB from my insurance company showing the bill was presented to my medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
ALLY FINANCIAL REPORTED AN INQUIRY ON MY XXXX   CREDIT REPORT THAT IS NOT MINE.

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 2019-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2019 I submitted a dispute with Huntington Bank for {$3200.00}. The payment was a car that purchased. The same day the car was purchased vehicle stop working. I advised the car dealership XXXX in XXXX, Ohio the issue and the car was returned. I never received my money back, the owner is not responding to the dispute, I explained to the bank that the car was a lemon, I no longer have the vehicle, the dealership has the car in their possession. The dealer lied about the issues with the car, lied about fixing the car upon agreement. After Huntington Bank investigation, they denied my refund. Again they did not hear back from the dealer, which right there is Fraud. The transaction is fraudulent. FDIC standard insurance amount is {$250000.00} per depositor, per insured bank, for each account ownership category. The bank is suppose to guarantee the safety of your money. And they did not honor that. FDIC insurance covers all types of deposits received at an insured bank ( Huntington Bank ), including deposits in a checking account. I was blindly robbed for my money due to fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMEX HAS A INQUIRIES ON MY XXXX CREDIT REPORT THAT ARE NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE IS REPORTING INQUIRIES TO XXXX CREDIT REPORT THAT ARE NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
bank pf america in reporting accounts to my XXXX  credit report that are not mine

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 2019-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Larry H. Miller Group of Companies
State: CA

Complaint narrative:
I bought my truck on XX/XX/2019 I went to buy a truck specifically a XXXX XXXX XXXX XXXX XXXXXXXX XXXX i am an XXXX XXXX XXXX card holder they have a car purchase program they send with them with a certificate the sales man then started showing me trucks like the one they quoted me so I was okay perfect he showed me the one I got never told me that wasnt the one I sent him I assume it was the one I sent him when I saw the final print of docs which where given to me the next day I saw that it was the wrong truck I got a XXXX and the price on those are way cheaper than the one I went in for they never changed the price the finance guy lied to me about the package price ( appearance package ) he said it was XXXX and like XXXX bucks a month turns out that package was XXXX plus XXXX bucks a month when i told him to cancel he lied saying i couldnt cancel o got ripped of on the moroney sticker XXXX dollars for nitrogen gas common they charged me for a delivery fee over 1,000 dollars I put down XXXX deposit and they somehow managed to eat it.i was pressured to sighn without giving me Any documents to read I just believe what he said All the numbers do not match up I got XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
chase has reported several inquires on my experian credit report that is not mine

Company response to consumer: Closed with non-monetary relief