vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX I paid XXXX towards my car note. I mailed the check to po box I was told to pay on principal only, which I did. Three days later I mailed XXXX to the same po box . They are telling me my pay off amount is XXXX which is incorrect be they applied all of that money to the principal and interest!! I have called 4 times now, asked to speak with a manager, asked for an email that they did move the money over to principal ( was told 4 separate times that has been done ) to top it off I filed a dispute with the credit bureaus because it still shows I owe XXXX!!! They are stealing my money they the false interest calculations!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frontline Asset Strategies, LLC
State: PA

Complaint narrative:
I have been repeatedly been receiving phone calls from XXXX which I believe is Frontline Asset Strategies. The only reason why I know this is because I called back that number and that is what the recorded message says. Every time they call, they ask for someone named XXXX or XXXX. When I ask what company they are calling from, they will simply give their name. They will not identify who they are calling from. Regardless, they have the wrong phone number. I do not know this XXXX person they are calling about. I have told them numerous times that they have the wrong number and to stop calling. Yet, they still call, sometimes multiple times per day. I have now blocked the number. However, I felt it was concerning that when specifically asked what company they are calling from, the caller will not identify and will only provide his or her name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I went to a car dealer called XXXX XXXX at XXXX XXXX XXXX, XXXX, PA XXXX to buy a car, I looked at a XXXX XXXX XXXX truck I asked about the price they told me it cost XXXX usd I told them that If I took it with me later they convinced me to take it on credit to build credit in the USA I told them I didn't want to buy it with cash they forced me to buy it on credit they asked me for a down payment of XXXX and all my legal status information on accounts bank and they made all the movements without confirming anything until they told me sign here and the truck is yours after signing they gave me a paper to pick up the plates in XXXX after XXXX days they sent me the contract with a financial company called CREDIT ACCEPTANCE When I read it, I realized that I had to pay XXXX a month, which I assumed that I could afford it. The week I took the truck for the PA mechanical inspection it did not pass, I had to pay for repairs out of my wallet because they did not accept the repair policy that the dealer made me buy. After a year of payments and calls for repairs, they have not been able to give me an answer and my bank account is XXXX over the transfer and I have asked to refinance with other companies and they do not accept due to the excessive cost of the truck and the title is damaged, thanks for listen to 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 monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
Account # XXXX was opened with my SS # and my name with the company XXXX XXXX XXXX The address in this account, XXXX XXXX XXXX XXXX XXXX, TX XXXX. This address s n't my address and has never been linked with my credit, financial, or personal identity information, and it's completely different from my current address. 

The account was opened on XX/XX/XXXX and closed on XXXX XXXX, XXXX with an unpaid balance of XXXX USD. 

This account was reported to all 3 of my credit bureaus. on XX/XX/XXXX. 
I don't recognize any of these accounts or charges. I want to report this as fraudulent charges incurred by somebody who stole my personal information. 

I would like the collections agency to remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 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: Self Financial Inc.
State: NJ

Complaint narrative:
Notice to Cease and Desist This is in reference to the SELF LENDER FINANCIAL. While checking my credit report, it came to my notice that SELF LENDER FINANCIAL has furnished an account ACCOUNT # XXXX on my Consumer Reports. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by SELF LENDER FINANCIAL will amount to Communication. 
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract agreement where I can opt out of your sharing of my nonpublic personal information.

15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.

15 USC 6802 ( B ) 1b 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 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). 

15 U.S. Code 1681n- ( b ) Civil liability for willful noncompliance You are now liable under false pretenses or knowingly without a permissible purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- Your financial institution SHALL NOT furnish ANY INFORMATION relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. YOU HAVE BEEN PUT ON NOTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
The car was repossessed, the company is saying that it wasnt, I havent had the vehicle in XXXX years now

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 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I am writing to file a complaint against JP Morgan Chase & Co. On XX/XX/XXXX I purchased two round trip plane tickets from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX on XXXX XXXX through the Chase Ultimate Rewards Travel Center XXXX On XX/XX/XXXX I called the Chase Travel Help Desk to confirm that there were no issues with our flight reservation. A customer service representative ( CSR ) reviewed my reservation while I was on the phone and assured me that there were no issues with my flight, and that my reservation was confirmed. That evening ( XX/XX/XXXX ) we arrived at the airport to find that the flight ( operated by XXXX ) did not exist. There were no XXXX flights scheduled to fly out of XXXX that night. 
On XX/XX/XXXX I spent over XXXX hours on the phone with the Chase Travel Help Desk and XXXX customer service trying to figure out what had happened and how to proceed. The XXXX CSR let me know that XXXX no longer offered the XXXX  XXXX  XXXX had booked, and that they had alerted Chase of this schedule change in XXXX of XXXX. I was never notified about any changes to my flight reservation, nor was I issued a refund. 
The Chase CSR ( XXXX XXXX ) assured me that the only way to resolve this issue was for me to give authorization to cancel the XXXX trip reservation, then purchase XXXX new tickets through the Chase Ultimate Rewards travel portal. The new tickets were XXXX XXXXXXXX and cost {$1800.00}, more than twice what I originally paid for the flight since I had to purchase them only XXXX day in advance. He assured me that I would be refunded my original ticket price ( {$590.00} ), plus the difference between what I paid for the original flight and the new flight ( {$640.00} ) within 8 weeks. I have a personal recording of this phone call. 
On XX/XX/XXXX I was refunded $ XXXX the price of the original tickets. I have called multiple times over the last few months for updates, but most recently on XX/XX/XXXX I called XXXXhase Travel. They let me know that my ticket was pending review by the accounting department, and that he could not give me a time estimate for when I would hear from them. 
It has now been more than six months, and I have still not received the refund of {$640.00} which I was promised. Additionally, I suspect that throughout this process I have been given fake email addresses and names, intentionally hung up on, not called back, and forced to hold for long periods. These tactics make it time consuming, confusing and hard to follow up with customer service issues. Chases customer service is unethical, predatory and represents bad business practices that should be investigated further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
They Violated the truth and lending act by not disclosing that When I gave them my social security number they went in my trust and took funds out and you have a fiduciary obligato make sure I'm taking care of but they're not and they're still taking money out and they're double dipping With the remittance coupons they fail to accept but cash for their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX  charged me for a service they didn't provide they put the money back in my account Citi group still charged me I contacted them they claim XXXX is still trying to claim That's a LIE.I HAVE CONTACTED CITI CARD THEY CLAIM SINCE I HANDLED IT MY SELF I HAVE TO HANDLE IT!!!! I demand CITI SEND ME ALL TRANSACTIONS SINCE XXXX TO XXXX TRANSACTIONS.I can prove BEOND A REASONABLE DOUBT I DON'T OWE THIS.I HAVE WASTED OVER 5 HOURS WITH CITI DISPUTING THIS MATTER THAT TOOK ME 2 MINUTES TO SOLVE!!!

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 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. the list of Accounts below has violated my Federally protected consumer rights to Privacy Confidentiality Under 15 USC 1681 Account Name : XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, Has violated my rights. 
15 U.S.C 1681 section 602 A.

States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. the list of Accounts below has violated my Federally protected consumer rights to Privacy Confidentiality Under 15 USC 1681 Account Name : XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, Has violated my rights. 
15 U.S.C 1681 section 602 A.

States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I signed up for a credit card with XXXX XXXX and they had an offer with capital one which stated i would get the following incentives : - 0 % APR intro for 15 months - {$200.00} cash bonus once i spend {$500.00} on purchases within 3 months from acct opening - 1.5 % cash back on every purchase / every day ***** transfer info : 0 % intro APR for 15 months, 19.24 % - 29.24 % variable APR after that. 3 % fee on the amounts transferred within the first 15 months. 

*** when i called into their customer service line, wanting to transfer my other credit card balances and do a transfer balance, the customer service supervisor at : XXXX stated this is not possible on the card as they were not offering this incentive for my card, although this was not stated anywhere once i was approved for the $ XXXX limit on the card. ****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 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: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Affirm Holdings, Inc
State: AZ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is not a duplicate complaint. This complaint is being submitted by XXXX XXXX, consumer and natural person. Please see attached identification. The following items listed on consumer report number XXXX, are a direct result of identity theft. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX FED XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX Please see attached identity theft report. You shall block the reporting of this information in the consumer file of XXXX XXXX, not later than four ( 4 ) business days after receiving this notice.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB Staff I have an account with Experian credit reporting company that updates me on my credit score monthly. Experian also shows the XXXX XXXX of the other XXXX credit reporting companies such as XXXX and XXXX, but the information appearing on the Experian website about my credit debt with XXXX and XXXX is incorrect. My total debt is {$8400.00} and NOT {$11000.00} which is old information shown on the Experian website. I have tried to address this issue with Experian before and nothing has changed. Experian needs to update its website and communicate with both XXXX and XXXX to correct this error on its website. ( please see picture attached ) I have also filed a complaint with CFPB to XXXX Complaint # XXXX and again XXXX did not fix the issue with Experian.

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 2023-03-13 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: U.S. BANCORP
State: TX

Complaint narrative:
I was suppose to receive {$150.00} at XXXX after spending {$500.00} in the first 60 days of opening the account. I was also suppose to receive 5x the reward points for each dollar that I spent at the XXXX XXXX XXXX I have not received any of this and just keep getting the run around. I have spoken with multiple supervisors, managers and have receive conflicting information on numerous occasions. I just want the rewards I have earned. I have spent way over {$10000.00} dollars at XXXX XXXX and have not received the 5x rewards points like I should have. ( {$10000.00} was just one purchase that I made at HD ) I have been receiving XXXX point per dollar. Every time I call they acknowledge I should be receiving 5x points but I am not. They are asking me to send verification off the offer that was on the web page when I signed up. I have asked numerous time to file a complaint and they will not let me take this to the next level. They say they will submit it and it will take 30 days to get a reply. I have attached the first reply. They want me to send further verification of the offer that I signed up for on their web site. I signed up specifically for this card for these rewards. The supervisors I have spoken with verified I should be receiving these rewards. I have attached screen shots from the page I signed up on.

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 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a Citibank Checking account in response to its online offer of {$400.00} bonus on XX/XX/XXXX and deposited {$15000.00} to be eligible for this bonus. However, the {$400.00} bonus has never come. 
I opened this account over the phone with a Citibank staff on XX/XX/XXXX and deposited {$15000.00} by XX/XX/XXXX to meet Citibank 's 30 day funding requirement. But the bonus did not come. So I called Citibank around XXXX XXXX on XX/XX/XXXX to trace it. Citibank 's staff confirmed that I have met all the promotion requirements and the bonus should have been credited by XX/XX/XXXX. She explained that due to a heavy back log on the account opening bonus issues, Citibank did not credit it accordingly. She said Citibank will need a week to give me a response. She gave me a case # XXXX and said Citibank will finish the investigation and get back to me in a week. But the response never came. So I called around XXXX XXXX on XX/XX/XXXX again and got a Citibank supervisor on the phone. I was shocked to hear from this supervisor that Citibank has no record that I called Citibank before for the missing bonus even though there is a case # provided by the previous Citibank staff. This supervisor gave me a reference # XXXX and said it will take Citibank up to 30 calendar days to finish the investigation. When I opened my account over the phone, Citibank staff confirmed that I was enrolled in the promotion offer of {$400.00} if I deposited {$15000.00} within 30 days. " The bonus will be paid to your checking account within 90 days. '' It's been over 6 months since I opened my account, but no bonus has been paid to my account. Citibank should honor its online promotion offer and pay me the {$400.00} as promised.

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