vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I received a summons in the mail on XX/XX/XXXX saying that I had outstanding amount with a company I have never heard of in regards to an old account I had. The person delivering the summons specifically said that I dont have to do anything in regards to the summons and all I had to do was call the number listed. After attempting to reach out to the company via multiple phone numbers listed and getting no response, I did my research. I am now realizing that I have to respond to the summons mentioned above. Thankfully I am still within the 21 day timeframe to respond to the summons. However, this experience was horrible I had received XXXX communications and received no proof of debt from this company. I was also told not to respond to the summons that was sent, which I have learnt, leads to an immediately decision made against 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 explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: IL

Complaint narrative:
I was granted a divorce from XXXX XXXX on XX/XX/2024. The divorce decree CLEARLY states that i am not responsible for ANY premarital debt. I submitted a copy of the decree and a letter asking all debt be removed from my credit report. I jabe also filed online disputes wirh the decree documents attached. My disputes are being rejected from the XXXX, USBANK for a credit line that was CHARGED OFF for {$7500.00} approximately. This charge off should not be appearing on my credit report any longer according to the XXXX XXXX XXXX XXXX. All notations of this account should be removed from ALL 3 credit reporting agencies, yet they are ignoring the court order to hold XXXX XXXX solely responsible.

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 2024-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Collins Asset Group, LLC
State: VA

Complaint narrative:
XXXX XXXX was bought by Accelerated Inventory Management , LLC and my loan was assigned to XXXX XXXX. For XXXX years I have been trying to discuss my loan with XXXX XXXX finally a company individual called me and stated he has my loan and he was a collection agent. I requested his full name and address, phone number so I can send a validation in debt letter. He directed me to pay {$2500.00} in installments for XXXX year to remove the debt! I stated no I have already paid a total of {$23000.00} towards the debt and when I requested a hardship payment plan through XXXX XXXX customer service account manager the collection agent stated if I do not make these payments they would place a lean on my home and garnish my wages! I reminded him of the Fair Debt Collection Act he told me he did not care just pay your bill you have a week to make a decision and hung up the phone! I called the original lender XXXX XXXX to discuss who was this third party the individual stated they sold my account! We discussed my agreement before they sold my account that I agreed to schedule my payments under a hardship program due to my spouse having undergone several operations and incurred medical expenses. Later I made another call to discuss my payment plan and the customer service representative stated there is no plan that employee no longer works here and your account was written off after 120 days non-payment. They never provided me the opportunity to resolve my debt? I requested a manager to authorize to play back the recording of our conversation discussing the hardship payment plan? Management never returned my call, letter, email nothing? I submitted a formal Consumer Financial Protection Bureau Complaint first on was no response, the second was an incorrect answer to my validation of debt discovered the account manager no longer works for lending club! Now on XXXX XX/XX/2023 I was served a summons by XXXX XXXX XXXX XXXX I was being sued by Accelerated Inventory Management , LLC. Which I sent legal answers to the summons and filed to include registered mailed to the attorney XXXX XXXX. All parties involved would never discuss or have a solution now they are taking me to court after years of non response. This has been a total nightmare and harassment of the worst kind they are operating like Loan Sharks breaking every Fair Debt Collection Practices Act Collection unfair debt collection practice! Reminder I was always transparent never avoiding the lender but they disappeared for years now coming after me legally with no validation or my stellar payment history before the hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This XXXX Account on my credit report is incorrect and I did NOT have any late payments and this is falsified information.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This XXXX Account on my credit report is incorrect and I did NOT have any late payments and this is falsified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This XXXX Account on my credit report is incorrect and I did NOT have any late payments and this is falsified information.

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 2024-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: HILLTOP HOLDINGS, INC
State: NC

Complaint narrative:
Prime Lending, A plains XXXX XXXX, is refusing to pay the remaining balance of {$22000.00} for a XXXX construction project that I completed at XXXX XXXX XXXX, XXXX, NC XXXX. The project was completed in XX/XX/XXXX and as or today, XX/XX/XXXX, I have not received payment. The buyer, XXXX XXXX, used the loan to purchase the home and is using the property as an XXXX XXXX. This is mortgage fraud as a XXXX construction loan is only to be used for owner occupied properties. The lender is well aware of the present use of the property and knows that this is fraud. The contact for Prime Lending is : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mintex Inc.
State: IL

Complaint narrative:
I received a call from the ticket, payment plan place today and Because I got a new bank and my card was declining as I explained to them and I was asking the lady why she was being rude to me on the phone. The amount that she gave me did that include all of my current tickets, so I can make sure that all my tickets are being paid And the lady lied to me and told me that it did include all of my tickets and that I only owe I believe the balance was {$320.00}. When I looked while she was on the phone at the XXXX ticket payment website I saw that it was a substantial amount of other tickets even to the point of having XXXX notices on them and I was trying to ask her if my payment plan was going to include those tickets or not and she got an attitude with me telling me that she didnt have time to sit on the phone with me while Im online looking at tickets and she was pretty much just there to take Payment so she got cussed out and hung up on. This is the second agent from this company that has lied to me and purposely misrepresented tickets and amounts that couldve had my vehicle sees the First representative XXXX from this company lied and told me that I didnt have to pay the tickets that were in Bankruptcy which was not true. I still have to pay those tickets so he lied and then this lady came in and lied because she said the XXXX included all of my tickets and my current tickets and that was not true either so I think that the phone calls should be reviewed And investigated because for this to be a company thats employed through or contracted through the city of XXXX for traffic ticket debt collection for them to sit up here misrepresent terms, and amount that is consumer fraud, and the phone calls should be recorded. So I still was not able to, in conclusion reset up my payment plan, or reestablish it because once again, the company is lying and committed consumer fraud by misrepresented the terms and amounts of what is owed. This is about XXXX XXXX  today that the lady called me on 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 2024-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Students loans changed to Mohela, filled out income based payments with the save plan on the student loan website, Mohela has been charging me more money every month. Called and spoke to customer service asking why my payments were higher, they told me that they can make them even higher ( over XXXX more a month ) with the same exact income information. I said they I got a direct number from the fed loan with the save plan and they told me those were just estimates and that I have to pay what theyre charging me or they will start charging me XXXX more a month. I asked why that what happening and could not get a direct answer. The customer service lady was very rude and not helpful. Still is charging me more money than what the save plan quoted me at for my monthly payment. I even told her that I had the email and document that said what my payment is that I got from the loan and that it was approved. Never got any information on why my payment was truly higher and why they said that they could re quote me over XXXX more a month with the same income as 2 months prior. Very disappointed and have baby on the way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I have unauthorized, misinformation reported or unverified accounts on my consumer report. Please physically verify all dates, amounts, balances, calculations and accounting records. I have no knowledge of how the misinformation is on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/2024 I received 2 emails from Chime. The first was a welcome email thanking me for creating an account. I did not create an account. The second email indicated that my debit card will be mailed. 

I emailed Chime at XXXX indicating that I did not open the account. They responded and asked me call us at XXXX or reply directly to this message with the following details to help us investigate : Your first and last name... and any ONE of the following : Your date of birth The last 4 digits of your Social Security number The account number listed on the Chime welcome letter you received ( if applicable ) The number of any Chime card you received ( if applicable ) e to provide the following information : I was concerned that this may be a phishing attempt so I have not responded. I have frozen both XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
First, let me state that I have never received letters from Elevate Recovery stating that there is supposed debt. I have only received phone calls on my cell phone. 

On XXXX XXXX XXXX XXXX XXXX XXXX - I received a phone call from XXXX. I did not answer. 

On XXXX XXXX XXXX XXXX XXXX XXXX- Elevate Debt Recovery called again from XXXX. I did not answer. 

On XXXX XXXX XXXX XXXX XXXX XXXX - Elevate called again. I verified with the unnamed associate my information. He began rattling off the debts. I cut him off short to inform that I did not have the time talk to him. I got snappy with him & cursed to prove my point. He then said, " If I didn't have them time- I shouldn't have picked up the phone. '' That statement is unacceptable by a customer service associate no matter what trade they are in. The XXXX area code is from my hometown, how do I know if it's my elderly parents calling in an emergency if i don't answer? Of course, I'm going to pick up the phone. 
I finished what i was doing & called back XXXX. I could not get the name of the person that answered the phone because she said it so quickly. I think this is done to confuse any possible reporting of the company 's rudeness. I told the women the situation & told her i would like to fill a complaint. The women mentioned that letters were sent to me of the debt they are trying to collect. Turns out they have been sending the letters to the wrong address. I updated their address with the associate. She hung up on me when she heard complaint towards the end. 
I called back, call was picked up by a man, I asked for a manger & was immediately hung up on. Wasting more of my time. 
I called again. I again asked for a manager. The women who answered said she was a floor manager. She also said her name quick enough for me not to catch it. I told the manager what had occurred earlier & she got snappy over it as well. Her response to the comment " If I didn't have them time- I shouldn't have picked up the phone. '' from the associate was not acceptable either from my understanding, she 100 % backed her associate 's comment & rudeness. 

I will be mailing a certified cease & desist letter to this company to prevent any further contact from them because of the horrible customer service & rudeness. This letter will be mailed today XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2023 BMO closed my account due to them not being able to verify my address.It caused me pain and suffering.Its causing me issues with me being able to open up additional accounts.They frozed my account and also disbursed me what was left over but took 3 months.They had no reason to close my accounts.

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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I hope this message finds you well. I would like to submit a complaint regarding an issue with my savings account at Bank of America ( BOA ), where BOA changed my account type and issued charges without notification. 

Briefly, I opened a DBA deposit checking account ( # XXXX XXXX XXXX XXXX with BOA on XXXX XXXX XXXX  At the time of my account opening, the account had a minimum balance requirement of {$3000.00} for fee waiver. I deposited {$3600.00}, which, according to BOA, met the minimum balance requirement. Unfortunately, since this was a low-activity account, I did not closely monitor its activity. Recently, during a review of all my bank accounts, I discovered that BOA changed the minimum balance requirement for fee waiver on my account to {$5000.00} and has been charging me a monthly fee since XXXX XXXX Further investigation revealed that BOA " upgraded '' my account to " Business Advantage Fundamentals Banking '' with a {$5000.00} minimum balance in XXXX XXXX, without my consent or knowledge. I was not notified of this change, and I did not request or authorize an account upgrade. I would also like to note that this is not the first time BOA has unilaterally changed my account type without notification. The last instance was caught in a timely manner, and they reverted the change with a full refund. 

To address this issue, I visited a BOA branch to try to resolve it. A branch agent at BOA XXXX # XXXX submitted a refund request with an explanation of the situation on XX/XX/XXXX and XXXX XXXX XXXX The agent said a request refund of {$190.00} for XXXX will be the first step and the rest XX/XX/XXXX forward will be deal with later ( see image of agent handwriting ). Unexpectedly, the request was only approved for a partial refund of charges from XXXX to XX/XX/XXXX ( please see the attached email ), which is totally different from what I was told. 

While I understand that I should be more vigilant and notice these issues sooner, I still consider BOA 's actions unacceptable. This is the second time an account change has occurred without my approval or notification. Despite my efforts to resolve the issue directly with BOA, I have been unsuccessful, leading me to submit this complaint to CFPB for consideration.

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 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Dear CFPB, I hope this message finds you well. I am writing to file a formal complaint regarding the declined offer for the Amex XXXX Credit Card, despite meeting all specified requirements. The situation unfolded as follows : Application Date : [ XX/XX/2023 ] Offer Details : earn XXXX Membership Rewards points after spending {$3000.00} in purchases on the card and 20 % back on eligible travel and transit purchases in the first six months ( up to {$200.00} back ) card membership. 

Despite fulfilling these requirements, my offer was declined without a clear explanation. I contacted Amex customer service on XX/XX/2023, and received conflicting information regarding eligibility and a supposed notice. 

I have attached relevant documents, including my application details and correspondence with Amex, for your reference. 

I kindly request your assistance in investigating this matter and facilitating a resolution. Your attention to this issue is greatly appreciated. 

Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: KY

Complaint narrative:
I have noticed a debt of {$160.00} from XXXX  on my credit report from a collection company. I never own it to XXXX. I reached out to both XXXX  and the collection company who confirmed it and suggested me to fill and claim. 

This account is not mine. I am requesting to remove this account from my credit report.

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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE & WEINER, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). CAINE & WEINER obtained, possess, and used my Personally-identifiable financial information without my consent or legal authority. They are attempting to collect a debt that is not mine. This account is furnished on multiple of my credit reports as a negative item and it has affected me as such.

Company response to consumer: Closed with explanation