vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by Credit Acceptance marked XX/XX/XXXX on my XXXX  report. I tried to contact Credit Acceptance directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to Credit Acceptance XX/XX/XXXX via certified mail. It has been well over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.gov/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 2018-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I sold 4 Virtual currency on XX/XX/XXXX, the Email I received from Coinbase Stated the 4 transaction would be completed on XX/XX/XXXX. as of XX/XX/XXXX 60 days plus I have not received my Payment. I have called Coinbase Customer service every week for status, and tell me the same thing every week. your case has been escalated as a High priority. However I never hear from them. I filed a case with XXXX  Dear XXXX XXXX : This message is in regard to your complaint submitted on XX/XX/XXXX against Coinbase , Inc . Your complaint was assigned ID XXXX. 

The XXXX XXXX XXXX has made two attempts to contact the business regarding your complaint. We regret to inform you that we have not received a response at this time and this case has now been closed as an UNANSWERED complaint in their file. Because we are not a government agency, we can not force a business to respond. You may wish to contact your Attorney General or like agency. 

I'm Hoping CFPB can resole this issue Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I have been approved into the Service member Civil Relief Act program in XX/XX/2017. Since the time of my approval has not updated my account to reflect my new percentage rate or adjust how much I owe. They also have not been reporting to the credit bureaus properly. I have called them several times and each time they have said that they were going to correct it and get back to me ; but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
I SOLD A XXXX XXXX XXXX IN XX/XX/XXXX FOR {$1500.00} THE PERSON I SOLD THE VEHICLE NEVER TOOK THE VEHICLE OUT MY NAME OR REGISTERED THE VEHICLE I FILE A NONOPERATION PAPER ON VEHICLE INXX/XX/XXXX THE LAST TIME I SMOG IT WAS XX/XX/XXXX SO THE PERSON COULD NOT DRIVE IT OR PUT IT ON STREET SO I FIGURE HE HAD IT IN STORAGE I GOT A IMPOUND LETTER IN THE MAIL FOR VEHICLE AND A LIEN COLLECTION PAPER I SENT ALL THE INFORMATION HAVE ON THE PERSON FROM THE IMPOUND PAPERS WITH HIS NAME CERTIFIED MAIL TO THE LIEN COMPANY LIEN ENFORCEMENT , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I owned a Bank of America account. A fraud activity had happened to my account by someone else that I knew of. I paid the negative balance in full and would like to be able to open a new account with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BRite Financial Services, Inc.
State: MI

Complaint narrative:
Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by XXXX/Carite markedXX/XX/XXXX on my XX/XX/XXXX report. I tried to contact XXXX/Carite directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to XXXX/Carite XX/XX/XXXX via certified mail. It has been well over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Bought a TV through PayPal Credit/Bill Me Later back in XX/XX/XXXX. With my current balanced added with the TV, my minimum payments were around XXXX a month. In XX/XX/XXXX the TV was refunded back to PayPal credit for its full amount and when it was my new minimum payment raised to XXXX a month. When I called PayPal credit for clarification they told me that because that promotional offer was done that my new minimum payment was XXXX. I told them it didn't make sense because I made on time payments every month and gave them a refund for the TV full amount. They stated after that the promotional offer no longer being there is the reason for the new minimum I told them I wasn't able to pay that minimum and the logic of my new minimum made no sense they said their was nothing they could do and that was the last time I spoke to PayPal credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. Two of them being by Capital One marked XX/XX/XXXX and XX/XX/XXXX on my XXXX and XXXX report. I tried to contact Capital One directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to Capital One XX/XX/XXXX via certified mail. It has been over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit on XX/XX/XXXX or XX/XX/XXXX. I did apply for credit with your company on the aforementioned dates. Please respond and include a copy of the application, datedXX/XX/XXXX and XX/XX/XXXX, my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX Thank you for help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: MI

Complaint narrative:
Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by Carmax marked XX/XX/XXXX on my XXXX. I tried to contact Carmax directly through certified mail onXX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to CarmaxXX/XX/XXXX via certified mail. It has been well over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit. I did apply for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.goXXXX Thank you for help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: M&T BANK CORPORATION
State: FL

Complaint narrative:
1 ) .XXXX County.Clerc Of The Circuit Court Style : XXXX XXXX XXXX XXXX , Morgtgage Pass-Thtough Certificates Series XXXX-XXXX XXXX Uniform Case # XXXX Clerks Case Number:XXXX Court Type : Circuit Civil Case Type : Homestead Residential Foreclosure Judge : XXXX XXXX XXXX Case Status : Disposed Last Docked Date:XX/XX/XXXX Filed:XX/XX/XXXX. 

XXXX, XXXX ( Plentif '' s Attorney ) XXXX XXXX Fl, XXXX Amout Assesses {$1900.00} Amount paid {$1900.00} I never been a Tenant of XXXX XXXX, and never lived at this address. 

2 ). Style : XXXX XXXX vs XXXX XXXX Uniform Case # XXXX Clerk Case # XXXX Court Type : Circuit Civil Case Type : Non-Homeestead Residential Foreclosure Judge : XXXX, XXXX XXXX Last Docket Date:XX/XX/XXXX Disposition Judge : XXXX, XXXX I never been contacted about that even. I never been her Tenant. Amount paid {$1900.00}

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 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
The telephone number is XXXX. The message is " This is a message from Synchrony Bank regarding XXXX. Please return our call to XXXX. For faster service visit our websire a mysynchrony.com. Our mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Again please call XXXX. This is a recording. Thank you. '' There is another telephone number with this same message. It is XXXX. This one requests I give the last four digits of my social security number. I do not do this.

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 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2018 a collection account was added to my report by an company known as XXXX XXXX XXXX, a company in which I do not owe. I have disputed this misrepresented account from the orginal creditor to no prevail. I have requested many of times original documentation from this company and credit agencies alike ; without receiving anything to satisfy my position. According to the FCRA law, if the creditor can not provide documentation then the account shall be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Motolease, LLC
State: CA

Complaint narrative:
Ok. I got the bike out of state in Texas XXXX a XXXX XXXX XXXX XXXX. Finance the finance turned into a lease Motoleaseing in XXXX which I not to good on i never lease before It took almost two months to get the bike to XXXX and soon it get here they call few days later for the note. They call on the phone and email me just the signed paper. but I had not written paper just in my phone so some of the stuff i didn't know. They told me about it before they print it and they left out a few thing. And I had to ask for it. The bike was here but not paperwork or leasing paper when delivered to me. Just paper from Texas the deal turn out shady at the end. Like the GPS they told me to make the deal work I have to agree to it. But they never told me on the phone i had to pay for it 800 plus for it. They email me the contact and its was there. So when the bike get to me my rent went up I didn't have any idea that was going to happend. So I call to tell them ask to reduce my payments some so i can make them without struggling my payment is XXXX for a used bike with 98400 miles on it no warranty manager special They didn't serviceonly checked to make sure it runs and switch gear that was it I called them on it. I was leaking oil out the craburater engine comes off and on. My credit wasn't good. But I had money down for them. The Bike was 8000 plus now done it became 10000 plus and 1300 plus at the end. I pay late behind rent but they get they money. They call me a work and I told them not to call after XXXX and we can talk. But no they call me back to back and just hold the phone. They done that a lot to where my boss questions me about and warned me. I feel they should work with me plus I think the bike is no good to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I wish to bring to your attention about a letter I received from BB & T recently regarding amount owed. To give some background, I had previously filed a complaint with CFPB against BB & T and the account opening process with them ( Case # XXXX ). This case was resolved almost 2 years ago, with the bank ( BB & T ) offering to waive the charge off amount {$400.00} for the bank account. A copy of that letter from the bank ( BB & T ) is attached here. I have not had any banking relationship with BB & T after that. 

However, I received a letter recently in the mail claiming that I still owe {$400.00} and that they can settle for {$280.00}. The mail does not give any information to contact them and that I can mail the check or money order in the self addressed envelope. This came as a surprise to me as this case was resolved almost 2 years back and now I am being asked to settle this amount after their agreement to waive this amount. 

This practice of coming after the customer after agreeing to waive the amount is not professional. The letter sent in the mail also does not help in any way to contact them to speak about this. Hence, I am requesting CFPB to pursue this matter and assist me in dealing with them. This is causing me distress and time loss in looking into this issue and I feel I am also entitled to be compensated for this. 

Thank you, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Premier Holdings
State: HI

Complaint narrative:
Left message they were taking me to court in XXXX County. Called back, no one answered and left message. Called back, again and no one answered. A few minutes later XXXX XXXX called me back. Said she was with XXXX XXXX XXXX XXXX and she wanted me to confirm the last 4 of my SSN and that she was submitting documents to the court today to garnish my wages. I asked if this was for a XXXX account. I paid this debt with a debt collector over a year ago. This debt was from 2003. I started to tell her my story of how I paid this debt but I keep getting calls about this and she started talking, too, asking me to confirm my social. And then she said I was rudely talking over her and she would see me in court and hung up on me. I called back and left a message saying I did want to talk about this and I was not trying to bed rude. I tried her again, she didnt answer and I tried her answer and she answered. I asked her nicely if I could please have the fax number to send the letter stating I paid this debt. She said as she was trying to advise me earlier before I rudely interrupted her.. and she gave me the fax number. I asked to speak to her supervisor. I have never been spoken to like that. She said she was the supervisor. I asked if there was anyone above her and she said no so I asked if she pawned premeir holdings? She said that supervisors and owners are two different things and hung up on me again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a My Best Buy Visa Credit Card through Citi who partnered with Best Buy for this promotional credit card offer. I had recently set up an automated payment for the minimum payment due, which on XX/XX/XXXX and and XX/XX/XXXX I was quoted as owing a minimum of {$110.00}. One feature to this credit card is the deferred interest that was unknowingly applied to my automated minimum payment amount due, so I was charged {$630.00}. I was not made aware of this amount due other than a statement notification quoting this amount, received onXX/XX/XXXX, however had received 2 notifications later that month, shortly before my bill due date, quoting the {$110.00}. This issue has caused me a lot of strain, overdrafting my account, delaying other separate payment obligations, and time out of my entire day to resolve this issue to no avail. I spoke to their associates of this discrepancy and they are unwilling to provide a refund of the excess amount. I feel like there is nothing else I can do. I feel bullied around by a financial company that seemingly can do whatever they want, up and change my payment, and don't even have to duly notify me. I please ask if you can in any way offer assistance and insight in this matter, as there is no agreement I can come to with my financial institution in this matter. I thank you so much for your time and understanding.

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