vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
In XX/XX/2018 I needed to buy a new used car, I started to submit applications for USED VEHICLE LOAN with XXXX, and my Credit UNion. My Credit Union In DC offered 2.4 % and I was working on to get this loan. 
IN meanwhile I shopped for other auto loans all around including with XXXX, with Credit UNion and thru my dealer, XXXX XXXX of XXXX. 

I recognise hard inquiries from XXXX x 1 inquiry, I recognise 1 Hard INquiry from Credit UNion, and I see 1 hard inquiry from XXXX XXXX and 1 from XXXX. 

However, I was surprised to learn that there is fourth hard inquiry from and by ALLY FINANCIAL of either MN or XXXX XXXX CA. 


I did not apply for a AUTO LOAN to ALLY Financial. 

Moreover, I am horrified to learn about HOW MUCh INFORMATION is there on my ordinary XXXX  credit report about me and about MY PROPERTY- I presumed that ALLY Financial consider my HOME in form of COLLATERAL against AUto LOAN?? are you kidding me? 

that I will place my HOME as a collateral against car??? 

UNHEARD OF!!! 

When I received this Credit Report from XXXX, in XX/XX/2018 and I studied it, I realized that there is ALLY FINANCIAL whom i do not recognise. 

I was horrified about how much information ALLY Financial Provided about me on XXXX  C Rep. 

The information on page 3 is taken from the District of Columbia Real Estate LAND OFFICE, where there is a confidential information about my property FOR YOUR EYES ONLY! NEED to know basis. 
However now everybody who is not lazy can dig out my C Rep and  read it like a novel. 

I protest against such a violation in my privacy and disclosure of my property information on ordinary credit report. 

It is very upsetting. 
I dont know who these people are. ALLY Financial. 
And I want this report to be OUT from my Credit Report. 

I called to XXXX and I asked XXXX to remove it. 

In XX/XX/2018 I was still weak after my 5 hours XXXX in XX/XX/2018. 

But now i am strong and this hard inquiry -- disclosure is not recognised by me, I did not do it, I did not made my home as a collateral against auto loan. 

I want them ( ALLY ) to remove this piece of hard inquiry by Ally Financial from my Credit Report on XXXX. 

PS I received several mailers from ALLY FINANCIAL. I wanted to save it to include to my complaint, but alter I threw it away. 

however, I collected now all double inquiries and unknown to me inquiries like Ally Financial, and I am filing complaint against this abuse I dont know who these people business are. 

I have nothing to do with them. 
And I would NOT I would NOT place my home as a COLLATERAL against a auto loan. 

It is just a car no matter if it is XXXX or XXXX. And My VA home loan guarantee is a HOME. 
Home is Home. It is in the BIBLE : SHELTER CLOTH and FOOD. There is nothing about CARS in the BIBLE.

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 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: AZ

Complaint narrative:
This company ( NCC BUSINESS SVCS INC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$9400.00} and {$8300.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
I am filing this complaint because after reviewing my credit report, I am writing to dispute the following bankruptcy and the accounts included. I informed XXXX, XXXX, and XXXX, and Lexis Nexis that  furnishers must include consumer identifiers to include proper name, date of birth, social security number, telephone number and address. Also ( see attached ) Lexis Nexis and XXXX  is reporting an incorrect social security number of my full file disclosure report. I would also like to know if you held the furnishers of the accounts below accountable to FCRA law, and if so what procedures were used to determine the accuracy and completeness of the disputed information? 
Please provide me the following information for accounts listed below : The name of the person at the credit reporting agency who verified the dispute with the original creditor The documentation that was used to verify the dispute These include : XXXX XXXX Partial and inaccurate account # XXXX ... showing discharged in bankruptcy XXXX XXXX Partial and inaccurate account # XXXX ... Both of these accounts are showing twice with XXXX with two incorrect account balances {$4500.00} and {$3900.00} Invalid Furnisher showing discharged in bankruptcy XXXX XXXX XXXX Showing four incorrect high balances {$5700.00} and {$2900.00}, {$1500.00}, {$3900.00} XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' ( reporting four times ) Incorrect balances {$760.00} {$1100.00} {$300.00} {$970.00} XXXX XXXX Invalid account number # XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
This company ( Bureau of Med Econcs ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1000.00} and {$1500.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
Our automobile leasing company, Nissan Motor Acceptance Corp. ( NMAC ), began paperless statements. I did not know this. We don't use computer that often. I realized that we did not get a recent bill and contacted them. I was informed that we were 2 months in arrears nearing a third month overdue. I immediately paid 3 months to become current and requested they return me back to mail statements. I found out shorlty after it was reported to the credit bureau as delinquent and our credit score was reduced almost 100 points. NMAC should have contacted us by phone or mail to alert us we were late with a payment so we could have paid our bill, for sure, less than another passing month. Also notify us that if we didn't respond it would be reported to credit bureau. There is no customer service here at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ

Complaint narrative:
This company ( XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2100.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: MN

Complaint narrative:
I observed that there were unauthorized charges on my account XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX {$500.00} XX/XX/XXXX XXXX # XXXX XXXX MN XXXX {$500.00} I have not been credited for those charges and there is also a interest charge that I was charged for as a result of those unauthorized charges. 
XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$810.00}

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 2018-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Deutsche Bank
State: WA

Complaint narrative:
Electronic payment was made from XXXX XXXX to a company that uses XXXX XXXX. The payment was made on XX/XX/2018 in the amount of {$180.00}. The payment cleared the XXXX account ( transmitted by Deutsche Bank Trust of Delaware ). XXXX XXXX refused payment to the company and returned the check with the reason " refer to maker ''. Both banks claim the other bank is the problem. The money is gone from my account and the receiving company has not been paid. We have tried everything ( both the payee and the payer ) without success. We have complete documentation of our efforts ( email ). I'm concerned there is not better consumer protection for electronic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/18, at XXXX, I saw a posting on XXXX ( XXXX XXXX XXXXXXXX ) for sporting event tickets. The events was a hockey game, XXXX v. XXXX, that same evening at XXXX. I contacted the seller and offered {$200.00} for the pair. The seller responded in the following way : " Yes for the pair. Payment are done with XXXX. Will need your first and last name and the email you use for XXXX ''. I agreed to the sale and sent the seller my name and email. I subsequently went to my Wells Fargo ( " WF '' ) banking app ( my WF account : XXXX ) and sent {$200.00} to the seller using XXXX. The seller 's name was XXXX XXXX and his email was XXXX. After sending the funds, I contacted the seller via email to inform him that the money transfer was complete. I waited and waited for the seller to send me the event tickets via XXXX, but I never received the goods. I sent follow-up emails to the seller, but I did not get a response. I next resorted to contacting my bank, Wells Fargo. I spoke with at least five different people at WF,  including XXXX ( an escalation specialist with WF customer service ), XXXX ( customer care team ), and XXXX ( online customer care ). In short, all WF employees informed me that their hands were tied since I was the party who knowingly initiated the transaction. I complained to them about not having fraud protection in these types of circumstances despite being a loyal customer for about 30 years and the fact that I used their mobile application to complete the transaction. They indicated that they could not investigate the fraud claim further. I informed them about the misrepresentations WF appears to make as it relates to XXXX. XXXX is heavily advertised on the WF website and app, which gives the impression that it's a reliable and protected method to send and receive currency. WF didn't appear to care about my complaints. The last WF employee I spoke with said that they would create a WF case ID number for my complaint ( # XXXX ) and that the case management executive office for online banking ( XXXX ) would contact me within 24 hours to further assist me.

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 2018-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XXXX - related to 3 of my accounts with them, XXXX XXXX, XXXX, walmart On XX/XX/2018 I had a hard inquiry done on my Credit score and everything came back fine. Nothing All but one credit card I had was paid to XXXX on XX/XX/XXXX. 
Suddenly in the mail I got a letter dated XX/XX/XXXX from XXXX XXXX stating my XXXX card - they ( OUT OF THE BLUE ) did a recent inquiry on my credit and they found. 1 ) Serious Delinquency 2 ) A Number of accounts with Delinquency's.. So they were lowering my avail balance from {$700.00} down to {$100.00} ... I thought wait I just had an inquiry on my account done, how was this possible. 
But I get an alert stating my Credit has changed and I should check it. So I did When I look into it and find out Synchrony was the one who put put the delinquency on my Credit Score ( over a 38 day late balance of {$42.00} dollars ) Now mind you on XX/XX/XXXX my report was clean - nothing for PAST OR DELINQUENT in a couple of years. and all but 1 CC was paid to XXXX by the XXXX So on the XXXX. Synchrony put a 30 day past due on my score. 
So now I get this letter stating after a review - Serious Delinquencies, Number of Accounts with Serious Delinquencies, Lack of recent loan installment information. BLAH BLAH BLAH 2 pages. 
So now my Score tanks by a significant number. 
So I send them a scathing letter back - SO YOU CAN ONLY GUESS WHAT IS ABOUT TO HAPPEN NEXT ... ... ... .. 
I get couple of notices saying my credit is improving again - I think Great .... yeak ok. 
Synchrony in turn does not tell me but they close another ( XXXX ) account ( which had a XXXX  balance for over a year mind you ) Then on XX/XX/XXXX they send me a letter stating they closed a third account ( walmart ) on me stating same exact wording as XXXX letter. ( Walmart also has had a XXXX Balance for over a year ) After all of this is said and done end of XXXX I get noted that my XXXX account is now " improved '' on my credit score ... .. Here I am now with 2 accounts closed, another one with dropped avail amount. 
So you want to know the domino effect of these smucks has had on my credit with their added on XXXX. By them having to close my accounts due to a XXXX lines about number accounts Delinquent, Serious Delinquency. I had 1 delinquency and it was put there by them. So today I get a note saying my credit is changed again - I look to see that Because Synchrony dropped one credit line and closed my 2 other accounts - my available amount of credit has dropped so that also effects my score which again dropped .... Synchrony is a bunch of clowns, who played with me and jacked my credit rating into the tank.

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 2018-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC.
State: OH

Complaint narrative:
Company calls me several times per day and hangs up. I feel they are using abusive credit collection tactics by harassing me. 

Also, I am sure if the charge is legitimate. They waited 3 years before putting themselves on my XXXX Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This company ( WFDS ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$24000.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 2018-10-03 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: CT

Complaint narrative:
I purchased shoes on XXXX with my Citibank Simplicity credit card. The shoes were of poor quality and did not match the description and picture from the website. I am an XXXX XXXX  member so attempted to send the shoes back and XXXX refused. This was the first time they have ever refused a return, and they closed the case on me and refused any further contact on the matter. 

I then filled a complaint with Citibank as the purchase was made on the Citibank Simplicity credit card. Citibank opened a case, gave XXXX 1.5 months to reply, and once they did Citibank closed the dispute and reversed and charged me again for the purchase ; not allowing me time to further dispute. Also, the terms of the Citibank Simplicity credit card states 90-day return protection which they did not honor. 
" If You try to return an item within 90 days of purchase and the merchant wont take it back, We may refund You the purchase price up to {$300.00} per item and {$1000.00} per year. '' Citibank clearly is in collusion with XXXX and performing unfair business practices that are harmful to me as a consumer. Please escalate this matter and investigate both Citibank and XXXX for these unfair business practices. I am fully prepared to send back the unused shoes still in the box once it is fully paid for in shipping and specified that purchase refund will be made..

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 2018-10-03 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: MS

Complaint narrative:
I am filing this complaint because after reviewing my credit report, I am writing to dispute the following bankruptcy and the accounts included. I informed XXXX, Transunion, and XXXX, and XXXX XXXX that furnishers must include consumer identifiers to include proper name, date of birth, social security number, telephone number and address. Also ( see attached ) XXXX XXXX and XXXX is reporting an incorrect social security number of my full file disclosure report. I would also like to know if you held the furnishers of the accounts below accountable to FCRA law, and if so what procedures were used to determine the accuracy and completeness of the disputed information? 
Please provide me the following information for accounts listed below : The name of the person at the credit reporting agency who verified the dispute with the original creditor The documentation that was used to verify the dispute These include : XXXX XXXX Partial and inaccurate account # XXXX ... showing discharged in bankruptcy XXXX XXXX Partial and inaccurate account # XXXX ... Both of these accounts are showing twice with XXXX with two incorrect account balances {$4500.00} and {$3900.00} Invalid Furnisher showing discharged in bankruptcy XXXX XXXX XXXX Showing four incorrect high balances {$5700.00} and {$2900.00}, {$1500.00}, {$3900.00} XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' ( reporting four times ) Incorrect balances {$760.00} {$1100.00} {$300.00} {$970.00} XXXXXXXX XXXX Invalid account number # XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX  showing discharged in bankruptcy " STATUS INCORRECT ''

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 2018-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
To whom it may concern, There is a great deal of concern that must be shared regarding the way JP Morgan Chase is delaying point of sale debit transactions. I have took notice that JP Morgan Chase delays debits and then pushes the debit ( s ) through purposely when there is no funds in the account or a negative balance will be caused to the account with the transaction. When I contacted Chase at ( XXXX ) I was only offered criticism and how the overdraft was " my fault '' because I signed an agreement allowing transactions to go through. There is a big gap in what Chase is offering the everyday customer as an explanation in these agreements to what is actually happening when the customer is getting hit with overdraft fees. There is an abuse of power on Chase part. They could only blame the merchant. But I swipe my debit card when I have money and the transaction is delayed three days.. Why is Chase running this scam and hiding behind these debit agreements. I can testify that there is money in my account when I use it. The debits are being purposely delayed and pushed through in bunches in an effort to collect {$34.00} in bank fees for each debit. I am a XXXX customer and I was met with criticism for Chase supervisors on XXXX at approximately XXXX PST via telephone for not managing my account the way a non XXXX person could. It's frankly disgusting. Please confirm at your earliest convenience the status of this complaint.

Company response to consumer: Closed with monetary relief