vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I accepted a marketing offer from Milestone Credit Card XXXX months ago. It was XXXX  that I would receive a credit limit increase double the initial credit limit after making XXXX payments. I have made XXXX payments but have not not received the credit limit increase promised in the marketing material. 
When I reached out to Milestone Credit Card I was informed the card did not qualify for a credit limit increase and the the limit stays at {$700.00} forever. 
I am submitting a complaint because I think that false advertising/marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: FL

Complaint narrative:
I have been notifying the banks as well as the 3 credit bureaus about inaccuracies on my credit report for many months. I have notified you multiple times informing you and many others that the credit bureaus are not doing their job as required by Title 15 USC 1681. My personal information is private not only can they not report something without my written authorization. But they are required by law to verify and validate this information. I have sent them letters repeatedly since XX/XX/2022 and you can see clearly on the top of each page that many of these accounts have not been verified at all and many others have not been verified in months. 

This violates my federally protected rights and this needs to be addressed as soon as possible. Each violation of FCRA or FDCPA is a fine for {$1000.00} these negligent issues need to be addressed immediately! They had 30 days from the 1st letters I wrote to them months ago to validate and remove.

Attached is 1 of the 3 letters that I sent to the 3 credit bureaus.

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 2023-01-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been notifying the banks as well as the 3 credit bureaus about inaccuracies on my credit report for many months. I have notified you multiple times informing you and many others that the credit bureaus are not doing their job as required by Title 15 USC 1681. My personal information is private not only can they not report something without my written authorization. But they are required by law to verify and validate this information. I have sent them letters repeatedly since XX/XX/2022 and you can see clearly on the top of each page that many of these accounts have not been verified at all and many others have not been verified in months. 

This violates my federally protected rights and this needs to be addressed as soon as possible. Each violation of FCRA or FDCPA is a fine for {$1000.00} these negligent issues need to be addressed immediately! They had 30 days from the 1st letters I wrote to them months ago to validate and remove.

Attached is 1 of the 3 letters that I sent to the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management purchased debt from another company and I had no involvement in the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
On the morning of XX/XX/2023, I applied for a Citi Bank AAdvantage Platinum Select card to purchase my upcoming flight in XXXX. I was immediately approved, and as I clicked " continue '' to access the next page, which would have my temporary card information to use to purchase my flight, the website stopped working- on Citi Bank 's end - and had a line about not accessing the page. I couldn't reload or access the page again in any way. I did receive an email confirming my approval and my credit limit and that the card would be at my house in 7-10 business days. But no information about the temporary number. I asked for help on the online site, and they pointed me to customer service via the phone. I called and asked for help with getting access to the credit card information to purchase this flight, and was bounced around to three different people, none of which could help. I asked again online, and was given a different number for help, and I was lead to another person who told me that the temporary credit card information could not be seen on their end. 

I have 24 hours to purchase my flights. I have no credit card information for a card I applied for solely to purchase the flight based on their advertising. I am extremely upset and inconvenienced by this. I hope that I can continue to reserve/hold the flights, but the amount of the tickets will likely rise each day. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not know if I this is a direct violation, however I don't think Citi Bank should benefit on this deceptive practice. It was advertised that I would be able to buy the flight for {$200.00} less ( with the statement credit I would receive with getting the Citi Bank AAdvantage card ), however now I will not get that statement credit since I can not use the card to purchase those exact tickets. I WOULD NOT have applied for the card if I couldn't use it that same day to purchase my flight.

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 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: LA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has made a illegal transfer of loan, the modified loan that was made in XXXX  clearly stated that the loan can not be changed or sold to anyone, as of XXXX they sold the Note to XXXX, also received XXXX from the mortgage assistance program, and XXXX from the state program for mortgage assistance, bank of America never applied the money to the loan, believe this to be theft by a mortgage company now the new company XXXX, wants to foreclose, the mortgage is 8 years since the last payment was made, XXXX as a collection company, can not file suit since the statue of limitations is 4 years in 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 2023-01-18 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: AES/PHEAA
State: FL

Complaint narrative:
In XX/XX/2022, my student loans were transferred from FedLoan Servicing to XXXX. It is now 6 months later and the XXXX account is still showing as open on my credit report, which is severely impacting my ability to obtain a mortgage because it doubles my debt to income ratio. I have disputed this with XXXX, without results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I requested a refund on all student loan payments that i made after XX/XX/XXXX totaling {$15000.00} and i was told the request would take XXXX weeks to process and was instructed to call back in XXXX weeks to confirm the request was made properly. 

XX/XX/XXXX I call to check on the status and am told they can not see my request. Aidvantage  states they can not locate my payments made since the loans were serviced by XXXX at the time and i needed to speak with XXXX. I contact XXXX and then assure me that all records were transferred Aidvantage and that Aidvantage should have all of the payment history. 

XX/XX/XXXX I speak with an Aidvantage representative who tells me that they can in fact see prior payments but the request was not submitted correctly because the amount was over {$10000.00} and needed XXXX approval. She assured me that the request would be resubmitted and approved. 

XX/XX/XXXX I speak with Aidvantage who says they can see the XXXX approval and it is just pending processing and no further action needed. 

XX/XX/XXXX i speak with Aidvantage and am told that there was an issue because my loans were previoulsy serviced by XXXX and that i made were to payoff the loans in full so they needed confirmation of prior payments that i made. I uploaded a detailed payment history dating back XXXX showing all payments made on prior loans from XXXX to XXXX. I confirmed on the phone with the representative that she received my documents and would be elevating the refund request. I went through each payment with the representative that i was requesting to be refunded and they are as follows : XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2300.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$1000.00} XXXX - {$2000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2700.00} At this point i was assured that everything was submitted and would take XXXX weeks to process now that documentation was received. 

XX/XX/XXXX i contact Aidvantage via email and am told no progress has been made but that the refund reqeust was being expedited and would process in XXXX weeks. 

Now on XX/XX/XXXX, nearly XXXX  months after the initial request was submitted and after numerous phone calls and emails, i still am yet to see any refund processed. I have done everything on my end to provide Aidvantage with all documentation they have reqeusted and repeatedly i am told that they will handle the request and time after time i am left without resolution. They had no problem taking my money for loan payments and penalizing me if i was late but now that i am reqeusting money back from them it takes over XXXX  months and that is unacceptable. I need my {$15000.00} refunded within XXXX  days of this complaint being filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: FL

Complaint narrative:
The dealership took advantage of my consumer credit and had many fraudulent violations I tried reaching out still no respond I have sent it to them via fax and priority mail still no respond

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 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The Citi Bank credit card in question was closed and paid in full with XXXX balance as of XX/XX/2022. No other activity had occurred from me. The card keep auto attempting to chard a payment to my Check account with XXXX  XXXX XXXX. My Bank representative filed a fraud complaint and it stopped until recently. 

They contacted me that I have an outstanding balance because they credited my check account by {$150.00}. They did not credit my back account nd there has been XXXX activity. 

I have call 5 different representatives over the phone and explained there is no active account and any claims for charges are fraudulent.

They will not stop and I need you to avail your assistance. 

I have a letter from the XXXX  XXXX XXXX representative who can verify that their claims are false and no activity from Citi Card with my checking account has accured since the account was closed XX/XX/2022.

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 2023-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In XXXX, Capital One Financial Corporation acquired ING Direct, including my existing ING XXXX XXXX savings account. This online only, high-interest savings account was renamed the Capital One 360 Savings account and had nearly identical features to the former ING account XXXX 
That changed in late XXXX when Capital One switched existing 360 account owners into a low-interest bearing account and re-branded the existing 360 Savings account as the 360 PERFORMANCE Savings account. Again, without notice, placing existing customers into a new, low-interest 360 Savings account. This lower interest rate has kept me from realizing several thousand dollars in interest. When I became aware of this situation in late XXXX, I contacted Capital One twice and spoke with supervisors. I was told both times that there was nothing they could do. 
I believe existing customers should have been placed into the more advantageous 360 PERFORMANCE Savings as a default. It is my opinion that this was an unfair and deceptive trade practice that likely affected a large number of individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was never provided full disclosure, never gave consent. My information was shared with a third part without my express permission. Nor was I ever give the opportunity to opt out. 

According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-01-18 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: TX

Complaint narrative:
Dispute sent to both collections companies came back verified but the information does not match And one of the 3 isn't even reporting the account this account is not matching on all 3 reporting agencies Transunion is reporting this account XXXX as open XXXX is reporting account XXXX collection

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 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: GA

Complaint narrative:
I paid for my rental car with cashiers check. I had XXXX transactions pending and/or on hold from XXXX XXXX XXXX, once I paid with the cashiers check the pending card transactions were reversed/released at the same time by XXXX. The XXXX transactions are {$350.00} and {$1400.00}. The day after XXXX  released Chime XXXX XXXX XXXX reversed only XXXX transaction of {$350.00} and kept the {$1400.00} as pending even though the release was done at the same time. I called chime and they did a XXXX way call with XXXX  that told them the funds were reversed XX/XX/2023 at XXXX with reversal authorization code of XXXX XXXX. Chime keeps saying they have to try to put my money back and still 6 days later have not done so. I have supporting documents showing Chime should have released my funds days ago.

Company response to consumer: Closed with explanation