vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-12 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from Ally Financial. On XX/XX/18 I sent a certified letter to Ally Financial requesting proof of " written authorization '' by me with my signature to pull my credit. Ally Financial failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have Ally Financial run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written  instruction ''. According to this FTC advisory opinion Ally Financial is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my XXXX  and XXXX  report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that Ally Financial is liable for a monetary fine if they fail to provide such  documentation. XXXX  and XXXX are liable for the monterey fines as well for reporting unverified information. 

https : 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 2018-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I initiated a review with the XXXX and Transunion beginning in XX/XX/2017 because I believe my Bankruptcy had been recorded with the court but has been reported by the credit bureaus inaccurately and not in compliance with the Consumer Protection laws.

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 2018-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC
State: PA

Complaint narrative:
This Collection Agency named OMEGA RMS whom brought this account from Stores Onlines at the time I owed roughly {$1700.00} in the year XX/XX/XXXX have double the balance to {$3500.00} and continues to report it on my XXXX Credit Report also twice within 30 days of the pass months. ( XX/XX/XXXX & XX/XX/XXXX ), the Statue Limitation on this Account expired in XX/XX/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 2018-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC
State: FL

Complaint narrative:
The date was for XX/XX/XXXX and the debt was for {$1300.00} and wasn't aware that I could dispute this debt. The XXXX XXXX charged off my balance in XX/XX/XXXX and did not make me aware that I had the right to dispute the charges there was no documentation that I had signed stating that this debt was owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I applied to refinance my home loan with Ditech Financial. The agent who took my information ran my credit report before he told me i had to be occupying the property i was attempting to refinance first. 

I need Ditech to remove the inquiry from my credit report because i feel they were not honest with me up-front concerning their financing policies.

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 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citbank issued me a credit card with a 24.24 % interested rate. I have a XXXX credit score with a debt ratio of like 35 %. I have not missed a payment in over 7 years. I said something to them and they slightly lowered it to just under 20 %. Question, why wasn't this rate to start with them. Seems to me if you want a customer you'd give them the best rate to start with to build trust. I have already put a complaint in asking an exact explanation of why this happened. I am going to keep putting in complaints about them every few weeks until I get an answer as to why my rate was originally set to their max rate when I have a XXXX credit score. I am saying this is predatory lending practice. I believe this happens to a lot of others who don't understand credit scores and what they're eligible for. I want an exact reason in writing why I received 24.24 % rate then lowered only after I complained to a manager. Their low rare is 14.24 % which is where i should be.

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 2018-03-12 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: FL

Complaint narrative:
a check for a co pay of XXXX.. was sent to hospital on XX/XX/XXXX and check was processed for payment to hospital onXX/XX/XXXX. the hospital sold this account to a collection agency and there for caused us to have to deal with this agency unnecessarily. XX/XX/XXXX a mailer was dated and sent to us as a notice of debt. we contacted the collection agency and told them there was a discrepancy because this account had been paid onXX/XX/XXXX.they had ask for a copy of the check with the patient number on it which we faxed to them onXX/XX/XXXX.they have ignored our attempts to settle this matter and have continued to try and collect on a bill that was paid. they have since used an affiliate to try and use other tactics to try and collect monies since not responding to there demands of payment they have put us into the credit bureau, which was totally unwarranted. we have contacted the credit bureau and disputed it and sent the copy of the cashed check from the hospital that they ask for, that was cashed on XX/XX/XXXXand have not been able to have this removed and that's the need for help.

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 2018-03-12 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: Capio Partners, LLC
State: FL

Complaint narrative:
a check for a co pay of XXXX.. was sent to hospital on XX/XX/XXXX and check was processed for payment to hospital on XX/XX/XXXX. the hospital sold this account to a collection agency and there for caused us to have to deal with this agency unnecessarily. XX/XX/XXXX a mailer was dated and sent to us as a notice of debt. we contacted the collection agency and told them there was a discrepancy because this account had been paid onXX/XX/XXXX.they had ask for a copy of the check with the patient number on it which we faxed to them onXX/XX/XXXX.they have ignored our attempts to settle this matter and have continued to try and collect on a bill that was paid. they have since used an affiliate to try and use other tactics to try and collect monies since not responding to there demands of payment they have put us into the credit bureau, which was totally unwarranted. we have contacted the credit bureau and disputed it and sent the copy of the cashed check from the hospital that they ask for, that was cashed on XX/XX/XXXX and have not been able to have this removed and that's the need for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I was denied a XXXX XXXX from the XXXX XXXX XXXX. I'm a frequent customer of XXXX ( to the tune of thousands of dollars a year ), and I often miss out on sales because they are for card holders only. 

I have good ( even " excellent '' ) credit ( XXXX from XXXX   ), over 22 years of credit history, no " derogatory '' items on my credit report : basically nothing negative. I can see no legitimate reason to deny me such a card, but the reason given was, implausibly, " Insufficient Credit Experience. '' I have worked hard to obtain a good credit rating, and I'm surprised and disappointed to see these predatory financial companies deny me credit anyway.

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 2018-03-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
ApproximatelyXX/XX/XXXX I noticed that my Chase Card was charged 2x for approximately {$2700.00} each from XXXX  I immediately called Chase to Report the fraud. Chase issued a credit and issued me a new card.

2 Months later ( XX/XX/XXXX ) - a company called - XX/XX/XXXX sends me 8 worthless video games in a package with no invoice or billing slip. I found their phone number and I called them, but did not get a response. I held onto the package.

Now, XX/XX/XXXX, I am told that those boxes contained XXXX Laptops, that they were delayed shipments from XXXX  and that I now have to pay for those bogus credit card charge that Chase previously expunged from my credit card states.

I contacted the owner of XXXX   through the Internet, the owner said it was a mistake, and he said it was a common fraud with XXXX  and the owner offered to help. By information and belief, Chase refuses to contact the owner to solve this problem - even though I contacted Chase in writing with the contact information.

I am the victim of Fraud, and Chase is not doing anything but threatening my credit card with a {$5400.00} bill for merchandise I never orderd, and never received. T

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Coinbase.com, who also owns XXXX froze my account on XX/XX/XXXXafter a payment was reversed for cryptocurrency I was trying to buy ( picture attached ). The original Coinbase reference code to this issue was XXXX.

I reached out to customer service to have my account unfrozen after the failed transaction would taken care of and was quoted 5 business days to get it fixed. I have had absolutely no information from Coinbase since the date of the issue and absolutely no contact sinceXX/XX/XXXX.

After absolutely no contact, I reached out to try to have my case escalated and it was apparently " escalated '' after having no contact well past the given timeframe.

I have called Coinbase directly 10+ times and given absolutely no additional information or support, and told there is absolutely no supervisor or other person I can talk to beyond the customer support agents that pick up.

My Coinbase and XXXX  accounts have been locked with funds in them since XX/XX/XXXX. I have experienced a HUGE opportunity cost because my entire portfolio is frozen and I've been given absolutely no options or support - they also refuse to give any sort of timeframe to resolve this.

At the time of writing this, they have held my entire portfolio for 45 days with absolutely no contact and refusal to offer me any solution when I contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello, I have transferred some funds to COINBASE AND XXXX to purchase Bitcoins and Ethereum over 5 weeks ago.

Due to some computer XXXX  ( according to COINBASE ) my account was flagged and as a result My account was frozen with all my Coins in the account.

I have contacted them NUMEROUS Times Via E-mail and Phone calls and all I'm getting is that a specialist will be in touch with me to resolve my issues and unfreeze my account.

I have been patiently waiting for them to address my issue, but so far I have not been able to get a hold of anybody that can resolve this situation.

Meanwhile, I have missed several opportunities to make profitable investments, and also I can not withdraw my coins or Money to transfer to a different exchange.

Please help me resolve this issue as ( being a Single mom with single income ) I can not afford to have money stock in a frozen account for absolutely no Legit reason.

Thank you so much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I requested validation from this company that includes my signature. The company sent a bill statement from XXXX XXXX in which I never had an account with. 

Ive also sent a certified letter on XX/XX/18 request that this company cease with the telephone calls and hey have violated my request by calling two times a day after the letter was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: MI

Complaint narrative:
At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from XXXX XXXX On XX/XX/18 I sent a certified letter to XXXX XXXX  requesting proof of " written authorization '' by me with my signature to pull my credit. XXXX XXXX failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have XXXX XXXX run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion XXXX XXXX is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my TransUnion and XXXX   report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that XXXX XXXX is liable for a monetary fine if they fail to provide such documentation. TransUnion and XXXX  are liable for the monterey fines as well for reporting unverified information.

https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-landever-10-12-99

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 2018-03-12 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: MI

Complaint narrative:
At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from XXXX XXXX. On XX/XX/18 I sent a certified letter to XXXX XXXX requesting proof of " written authorization '' by me with my signature to pull my credit. XXXX XXXX  failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have XXXX XXXX  run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion XXXX XXXX is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my XXXX  and Equifax report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that XXXX XXXX is liable for a monetary fine if they fail to provide such documentation. XXXX  and Equifax are liable for the monterey fines as well for reporting unverified information.

https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-landever-10-12-99

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12 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: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
My husband and I purchased a XXXX XXXX XXXX in a private party transaction in XX/XX/XXXX. The seller 's vehicle loan was with RBS Citizens. First of all, it took over a week for RBS to get our bank a payoff amount ( a process I understand normally takes one business day ). After finally receiving an amount, our bank, XXXX XXXX of XXXX XXXX, WI sent a check for the payoff amount of {$7300.00} to RBS Citizens on XX/XX/XXXX. The check cleared the bank on XX/XX/XXXX. As of XX/XX/XXXX, the title has still not been sent to XXXX XXXX after multiple requests from our loan officer and the previous owner. Each time one of them has made contact with RBS, which has been very difficult to do, they have been assured that the title is on its way. RBS won't speak to us since we never had a loan or account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I tried accessing my account and it says that my username has been changed. I NEVER changed it. It prompted me to reset it, and NOTHING happens when I enter the information. I tried calling and no one answers the phone. I called again and it prompted me to provide my phone number so that someone could call me back in 24-38 minutes. They called me back and hung up. This bank stole my money!

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 2018-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
My wife and I have a loan CHFA in XXXX XXXXs. We recently sold our house and are having trouble getting Loan Payoff information sent from CHFA to our title company to close on our house. The first time i requested this information was XXXX-XXXX-18 and was told the information would be sent to the title company within 4 hours. It was not received within that time. I have called them every business day since to get an update on the status of our request and we get the same answer that it is " pending ''. We have tried to talk to a manager or a supervisor and they are dragging their feet. We are less than a week from closing on our house and it is not getting completed. I would be happy to talk to anyone that needs more information about our issue. I am completely disappointed in CHFA. We pay our mortgage to them every month and they can't send one simple fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: CO

Complaint narrative:
Hello, My name is XXXX XXXX. I have been a loyal customer of TCF Bank for a year. I am a single mother of XXXX children. I get direct deposit from my employer every two weeks, a child support deposit at least once a month, and a bonus check from my employer once a month as well. I overdraft my bank account two times per month to be able to feed my children, and make it through the week. I am aware that I have to pay a {$37.00} overdraft fee, however when I overdraft my account I am not only charged with ONE overdraft fee but three to four when transactions are pending in which funds were available before I overdrew my account. This time I made a {$340.00} deposit from my employer which I had in the past made a deposit for. I received a receipt from the ATM that shows an available balance of {$540.00}. I then made an online payment online using my debit card in the amount of {$280.00}. I checked my bank account to ensure that the funds were going to be deducted, and saw that my bank account had overdrawn to a negative {$68.00}. I called the bank and was suggested to make a {$68.00} deposit " To prevent a overdraft domino effect. '' I live paycheck to paycheck and do not have {$68.00}. I have asked my employer for the cash to cover that. Which is humiliating after being paid my bonus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief