vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally is a predatory lender i got a lian in 2013 with them they had a settlement against them in 2013 for XXXX and minorities that gpt a loan 2013 i wrote them a letter recently to attempt to settle my loan they cashed the check my interest was 14 percent over a 6 year term they got almost double their money from me i want my title

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 2018-07-24 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: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, On XX/XX/2017 my wife was browsing online and opened a website for eye cream but immediately exited when a small window popped up listing a " monthly program ''. Subsequently we were surprised when our Dividend Citi Mastercard statement arrived showing a monthly billing program for something for which my wife had not checked. The first two charges were listed as the following : XX/XX/XXXX XXXX  XXXX Ca for {$89.00} and XX/XX/XXXX XXXX XXXX XXXX CA for {$89.00}. 

Upon receiving this statement we called Citi Card which opened an investigation and then made our conditional credit permanent. We also cancelled that Dividend Citi card and received a new one to break any merchant charging chain ( advice of Citi ), We then cancelled the Merchant ( receiving an e-mail receipt ) for redundancy.

But then the real problems started with Citi starting again to do monthly charges for the program for which we neither had signed up for nor received anything and then added late fees and interests. We continued to pay promptly all of charges excepting out the fraudulent monthly billing which soon ran over {$1100.00} and for which we spent many hours on the phone in sheer frustration with Citi customer service. 

We were fortunate that our PA Attorney General 's office had a fine agent XXXX XXXX XXXX help with our case ( XXXX ) but now she has done all that she can and Citi continues to run the clock even though we cancelled that card and our other Citi Driver 's Edge card ( used for 23 years ). Her contacts are XXXX and XXXX XXXX. 

Upon reviewing ConsumerAffairs.com we realize that many other Citi complaints are based on Citi " holding a billing dispute open for many months '' while continuing to accrue a compilation of fees and interests. 

Thank you for your consideration. .XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and XXXX and landline XXXX XXXX and international cell ( not always the best clarity ) XXXX XXXX. 

We have a file of correspondence over a half inch thick and have spent many, many hours on phone calls with Citi Customer Service to get nowhere.

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 2018-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I had been helping my spouse out and paying my rent and bills and one day I went to go take care of a bill and a agent at XXXX  told me I thought you were blocked from sending money a long time ago and she proceeded to send my transaction for my bill and I went home and had my receiver try to get there money it said it was available but when they went to receive it 2 days later I had to call them and they refunded my money in the meantime I called XXXX  and asked a manager why would she say that she said call in the morning when all the money center representatives and managers are available so I went up there the next morning and got a manager and she asked her to tell me why she said that and she said we had several rumors going on so we called MoneyGram and had your name blocked from sending or receiving money I asked them to fix it they got a attitude with me and told me to call up there and fix it I lost a lot of money behind them playing games with my name MoneyGram advised me my name is just blocked forever behind what they did I would really like them to fix this issue I also filled a complaint with there company at XXXX XXXX  complaint number XXXX that I filled in XX/XX/2017 when they told me how they slandered me and my receivers name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are several issues regarding our XXXX XXXX XXXX XXXX loan information. First, our last payment was XX/XX/XXXX and it shows XX/XX/XXXX. The account is closed, charged off as a bad debt, P & L write off as shown on our credit report. Although it is closed and charged off, they continue to report  to the credit bureaus each month and add interest. The account is past the statute of limitations and needs to be completely closed, with no further reports to the credit bureaus. It also needs to be removed from my credit.

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 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I have recently written XXXX XXXX disputing this debt of {$2000.00} for a JCP card that is on my credit file. I am a victim of identity theft dating back to 10 years ago. Ive explained this to the synchrony bank and have a police report for this crime. I was told that the credit is mine and the account was sold to XXXX XXXX. Account was open XX/XX/2009!!!!!

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 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TICE ASSOCIATES INC
State: NY

Complaint narrative:
I received a bill today from Tice Associates stating that I owed a doctor {$77.00} and have failed to respond to previous notices. I have not received any other previous notices, nor recall having been billed for this amount from this doctor. When I placed an immediate call to the number listed on the letter, the gentleman told me that he has sent multiple notices for this amount and when asked, I was told the date of service was from XX/XX/2016. I do not like to just pay something I have no recollection of owing without having proof of this. Nothing else was sent with this letter, and as I said, I have not received anything regarding this supposed bill in over a year, and do not recall ever even getting the original bill as I pay my debts and am very careful when it comes to my credit score.  When I tried to get information on this and said I needed to do some research into this, the creditor stated that I was refusing to pay my debt. On the phone call with this agency, I stated that I had received a bill as I thought this was referring to a doctor 's appt from earlier this year but from my records I was thinking of a different doctor who also works in the same office that I paid a bill for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: NY

Complaint narrative:
Called transunion at XXXX XX/XX/2018 and customer service rep was very rude and refused to help me with these inquiries that were reported on my credit and were not authorized and i believe i was a victim of there inquiry issue in there system.

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 2018-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've already filed a complaint with the consumer financial protection bureau and they sent my request to transunion. Transunion denied my request to remove the fraudulent inquiries effecting my credit. The inquiries are probably from transunion themselves when they fraudulently added mins information to people 's credit line when their servers failed. ( I have have tried countless times to add my last four numbers of my social security number to the next page and it doesn't allow me to do so )

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 2018-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting a XXXX reposession on my credit report its been over 10 years thats should not be on my my credit report as XXXX XXXX XXXX was paid and transfered to 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 non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
This company continues to harass me and leave me threatening voicemails over a loan that was previously taken out with " XXXX XXXX. '' I have advised Synergetic Communications (  the debt collector in this case ) that I received a letter from the STATE OF FLORIDA that XXXX, XXXX D/B/A XXXX XXXX, is unlicensed in this State and I do not have to pay back the loan as it was illegal to be issued to me at all, which I was not made aware of prior to taking the loan. 

Furthermore, they have not only called me, they are starting to harass my friends. I received a voicemail from a close friend, who is currently serving  in the XXXX XXXX XXXX in XXXX, XXXX. He advised you called and left him a threatening voicemail as well. I have advised them this is an illegal loan and i will not be paying it back, but the calls continue. 

The amount originally taken was {$600.00}. I made three payments of {$140.00} before I received the letter from the state, at which point i disputed the previous payments with my bank ( who also sent me a letter that the dispute was valid and closed ) and received my money back. 

YOU ARE TO STOP CALLING ANY PARTY INVOLVED IN THIS MATTER. YOU MAY ONLY COMMUNICATE TO MYSELF IN WRITING. IF FURTHER CALLS CONTINUE, I WILL FILE A LEGITIMATE LAWSUIT FOR UNFAIR DEBT COLLECTION PRACTICES. 

THANK YOU, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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:
There are several accounts on my credit report that I have been continously disputing that do not belong to me on my credit report. I have sent letters to Equifax, XXXX, and XXXX  regarding this matter. None of the accounts were investigated or validated for belonging to me. I keep telling them that they aren't and they have not removed. The following accounts do not belong to me as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX XXXXXXXX XXXX Account # - XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX  XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have a NFCU auto loan that is not even 15 days past due. I get paid on the end of the month so I always pay the same month it is due. 
NFCU takes money form my checking or savings without my knowledge and applies it to this loan. 
Not only do they take any money that is in my account to apply it to partial payments, they charge me a late fee and overdraft fee 's after doing it. 

I tried to call and discuss this and was told it is a legal practice. I have a {$270.00} payment and they took {$37.00} out of my checking today which was the last amount that I wrote a check on the day previously so now I get a late fee and I also get bounced check fee 's because I did not know they were taking this out. 

thank you for looking into this. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
XXXX  is reporting a XXXX reposession on my credit report its been over 10 years thats should not be on my my credit report as XXXX XXXX XXXX was paid and transfered to cascade capital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 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:
There are several accounts on my credit report that I have been continously disputing that do not belong to me on my credit report. I have sent letters to XXXX, XXXX, and Transunion regarding this matter. None of the accounts were investigated or validated for belonging to me. I keep telling them that they aren't and they have not removed. The following accounts do not belong to me as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX  XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXX   XXXX  Account # - XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXXXXXX - Account # 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 2018-07-24 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: FL

Complaint narrative:
There are several accounts on my credit report that I have been continously disputing that do not belong to me on my credit report. I have sent letters to XXXX, Experian, and XXXX regarding this matter. None of the accounts were investigated or validated for belonging to me. I keep telling them that they aren't and they have not removed. The following accounts do not belong to me as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX XXXX   XXXX  Account # - XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account # 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 non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I did not authorize my roommate to add me as a user to this card. 
Email XXXX  Opened up bank accounts falsely in my name while i was traveling abroad, bounced checks etc, and racked up debt ... .... That as the main user on the account like AMEx has stated to me, he can only get me removed from the account .... sometimes they just run me in phone call circles. The account is listed as Authorized user, I need this removed, it not my obligation, nor did i ever agree to its or sign anything regarding the accounts terms. ETC DO they have any prooof?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, the bank is bank of America ( Boa ). 
In 2016, there was more than 50 transaction appear on my credit card result of identity theft, and I contact boa immediately, boa told me that everything was settle down and I am not responsible for this fraud transaction in the total amount of XXXX ( I believed is this amount because I dont have the access to my account since 2016 ), but recently boa told me that the Fraud department has denied this fraud so I have to pay the amount in full. But this account was result of identity theft and all the transaction was from the same company same time similar amount and Boa did not send me any alert or to confimred its made by me. How can this be normal transaction? All transaction was around $ 100-120. End up with the amount {$13000.00}, there should be 100 transcation and boa denied this fraud transcation and saying it s Noramal transcation after 2 years from now. Please really help me with this issue, 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 monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I don't have specific dates and times for each attempt except for yesterday, XXXX.XXXX.18. I have called and asked WellsFargo to help me lower my monthly payment and I keep getting denied. I don't understand. My other student loans let me lower the payments. They have never lowered their payment. With multiple student loans, I am struggling to pay them. I'm behind 90 days constantly.

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 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/2017, I received a letter from Chase Bank USA N.A.  requesting additional information for the XXXX Visa Signature card I had applied for. The letter stated that my application had been denied because the information on the handwritten application was illegible. They suggested I call XXXX because they were concerned that this was an attempt to use my information fraudulently. I called and reported that it was a fraudulent attempt, and I had not applied for any credit card. That day, I started an identity theft report as suggested on your website. I got an official police report, an id theft case #, an IRS report of ID theft, and sent Chase a letter with a picture id stating it was id theft. I enclosed all of the above information. They responded in a letter acknowledging the fraud activity and sent me a photocopy of the handwritten application that was sent to them said they would close the file and not issue a card. They told me the inquiries for credit would not appear on my credit report and any from this company would be removed. I put a fraud alert and a freeze on my credit report. My problem is every month for the last year, I have received another letter from Chase about my having applied for the same XXXX Visa Signature card. ( Yes, I now have 13 such letters ). The last 5 letters are requesting I remove the freeze on my credit file so the application can be processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I tried to get a free credit report from Trans Union. I received my free credit report from the other 2 major credit reporting companies without issues. When I filled out the on line information which included entering my social security number and credit card information Trans Union said  my account showed an ERROR. I then called on line and got someone that could not speak good English. He/she ask for my social security number. I gave them the last 4 digts along with my name and address. They still could not find me in their system. I ask for a supervisor and was transferred. When I told the supervisor I was recording the call he relied he did not approve of the call being recorded. Why did he object to the call being recorded? They record my conversation? Why do I need to give my full social security number to someone who does not live in the United States and does not have a social security number? Now my FICO score has dropped 23 points since I made this request for a free report from Trans Union. Trans Union needs this brought out over social media?

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 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CFM Group
State: FL

Complaint narrative:
Contract was cancelled with XXXX, and they continue to call for a non owed amount.

Company response to consumer: Untimely response