vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: TX

Complaint narrative:
Hello, Since my auto lease was offered to me by my local XXXX dealership in XXXX XXXX, Texas on XX/XX/2023, I was told that US Bank passes the new-for-2023 Inflation Reduction Act ( IRA ) {$7500.00} Plug-in Hybrid Electric Vehicle ( PHEV ) tax credit to its leasees by adding the {$7500.00} to the residual value line of the vehicle. After signing the contract just before the dealership closed on a Saturday evening, I forgot to look at the line items of my lease contract, but since the dealership did not give me a copy of the contract, I did not have a chance to double-check it. 

A few days later, after calling US Bank to check in with them since I had not heard from them, I finally got my hands on my lease contract. I was shocked to NOT see the {$7500.00} in the residual line, which my dealer 's Finance Manager, XXXX, advised me was where the tax credit should be. I immediately called US Bank 's leasing department asking for clarification and of course, proof in writing that the {$7500.00} is indeed within the residual value line. 

I have been given the run-around by US Bank for three weeks now. I have asked for supervisors and even spoken to the " dealer '' option in their call tree, yet, no one, and I mean no one, has any domain expertise in leasing, which is shockingly frustrating, as one can imagine. How can a leasing department of a publicly traded firm not know almost anything about how their leases work, and when coupled with XXXX expertise in the new IRA tax credits for PHEV vehicles, it makes for many inane conversations with leasing reps at US Banks who know nothing about the {$7500.00} tax credit or where it shows up in the lease contract, if it does ta all. This seems super shady and super frustrating. No one at US Bank cares to call me back to resolve the simple issue of proving that the {$7500.00} tax credit was passed on to me in the lease. Seems very simple, but it has taken me moving heaven and earth to get to this point. In 2023, this is a shockingly negative customer experience for me and the levels of non-informed people in the leasing department at US Bank is really astonishing.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-05-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX a XXXX account was opened under my name without my knowledge or consent and was used and left a {$490.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

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 2023-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/ 2022 account # XXXX a XXXX account was opened under my name without my knowledge or consent and was used and left a {$490.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/23, Someone used my card information and stole {$4800.00} out of my chime account and sent it to their personal XXXX XXXX I called to report the fraudulent activities because I kept getting notifications that money was getting taken out of my account while I was at work but by the time I got ahold of someone, the hacker already drained my account and left me with {$3.00}. 
They signed me out of my account and changed my personal email and phone number. 
I even received several emails that someone had updated my information. I live in XXXX and the hacker was somewhere in XXXX, ID and another ( hacker ) attempted to sign into my account in XXXX XXXX. 
They sent themselves XXXX transactions in the same day, totaled up at {$4800.00}. 
My account is currently under investigation but chime isnt able to put a freeze on my account for all of these pending transactions. I am a single mother of two boys and I need every XXXX I can get. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Was given a letter two weeks before closing account that chase has closed ALL of my accounts with no further explanation. 
Called multiple chase numbers for my personal and business accounts and they refused to conduct a secondary review and would not give any explanation. DO BETTER CHASE! This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: Upstart Holdings, Inc.

Complaint narrative:
My Upstart Loan # XXXX was paid off in full in XX/XX/XXXX. 

By XX/XX/XXXX I noticed the account still showed as active in my credit report and with a balance of ~ {$630.00}. 

I emailed XXXX with my concern. They said it may take 7 days from the final payment for the account to be reported closed to credit bureaus but it had already been 3 months since the final payment and this account still showed up as active in credit reports. 

Yesterday, XX/XX/XXXX I noticed the account is still open and showing a balance owed of {$630.00} so I contacted Upstart again. They are saying the account was reported closed, but it continues to show on my credit reports. It has been 11 months since the final payment, and I find it completely unacceptable that the account still shows up as open and with a balance on my credit report. 

Upstart needs to do more to be proactive and resolve an issue like this, but in our communications has been dismissive, so I am filing this complaint. Email correspondence attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, I opened the account. My paychecks went in. I did a transfer out to another account. American Express locked the account. I only found out after I tried to repeat the transfer. The web app does not have a notification system. They never emailed me or called me. I spoke to XXXX in the Fraud team. He explained my other bank reversed the transfer. He said the only way they would release the block is if I faxed in an Affidavit of Identity. I contacted XXXX and they signed the letter. XXXX said he did not see the fax. 

The next day, I called my other bank. They said they never even saw the transaction. I called American Express again that same day and they admitted they blocked the transfer and not my other bank.

They confirmed receipt of my fax but said they would not unblock the account because notary 's seal was too small to read. I asked them for an email address to send the form. They refused to provide one. They explained that a person collects the faxes and then scans them into their system. That is why the quality is so poor and why it took so long for them to confirm receipt of my fax.

I requested for their position to be put in writing and they refuse. I requested my account be closed. They refused. I emphasised repetatedly that the funds are my paychecks. They don't c
are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Problem with available credit not being updated in a timely fashion once payment was made. 

On XX/XX/2023 I made a payment of {$300.00} to my Indigo Charge Card account. Indigo is processed /managed by Genesis FS Card services. 

On XX/XX/2023 Genesis withdrew the fund from my checking account. 

As of today, XX/XX/XXXX the payment has posted to my Indigo account but the available credit has not been updated. I called Genesis and was told that the update to available credit will not be done until XX/XX/XXXX. This is 14 days after payment was made and received by them. 

This is excessive in todays electronic age where transactions are completed in most cases in real time. Also, nowhere on their website or the bill from this company does it state this policy. I was also told that this is randomly applied so a consumer has no idea when their payment will result in credit being available. 

This is just wrong and predatory behavior on their part since they are dealing with consumers with less than perfect credit or no credit who are just starting to build their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
As of XX/XX/XXXX, my XXXX XXXX card was switched from XXXX XXXX XXXX to Comenity Capital Bank. I called XXXX on about XX/XX/XXXX. I was told that {$680.00}. XXXX in rewards were about to expire and they sent me a check. Not certain of the date of the phone call but I received the check in the mail, and it was deposited in my account on XX/XX/XXXX. I was told that I had to more checks that would be mailed to me after the switch to Comenity Capital Bank is completed. They gave me the amounts of {$580.00} and {$480.00}. I called on XX/XX/XXXX, because I never received the checks. I needed to then file a dispute. I called again on XX/XX/XXXX, and was told it could take up to 90 days to be resolved. I called again on XX/XX/XXXX, and again on XX/XX/XXXX. I was told that it could take a long time because XXXX XXXX XXXX should have sent me those rewards before the switch took place and not Comenity Capital Bank Before the switch took place, I received a letter stating that nothing would change with my card including rewards. I want what was promised when applied for this credit card, I want my rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX Dear Capital One Bank, I am writing to demand immediate action regarding the freezing of my checking account that occurred in XX/XX/XXXX. This action has caused significant financial harm to me and my family, as well as led to missed payments and other financial hardships. 

As you are aware, the freezing of my checking account caused other external brokerages and banking institutions to also freeze my external accounts, leading to missed payments and delinquent credit card payments. This has caused additional fees and penalties, and further damaged my credit score. 

When I called your customer service department to inquire about why my account was frozen, I was informed that the only reason for the freeze was that I needed to verify my employment information. I had already verified my employment information through the Capital One mobile app just XXXX months prior, so this was a surprise to me. 

I demand that you take immediate action to rectify this situation, including restoring my full banking privileges and compensating me for any damages or losses I have suffered as a result of your actions. Additionally, I expect a detailed explanation for why my account was frozen in the first place, and how your actions have led to other external institutions also freezing my accounts. 

I am prepared to take legal action if necessary to resolve this matter, however, I would prefer to resolve this matter amicably and without further delay. 

Please contact me as soon as possible to discuss how we can resolve this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX pulled my credit twice for one credit app. They know they made the mistake and said they would submit to remove but havent. Its causing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Ford Motor Co ( FMCC ) initially took charge of an account balance that was left over after the repossession of a former car. A payment agreement was entered in to sometime in XXXX XXXX of XXXX. During that time, no information was reported for the account ; nothing regarding its status, previous payments paid, etc. In XXXX of last year this account was paid in full. FMCC did not update the information to the bureaus in a timely manner, resulting in a credit dispute filed on my end. At that time, FMCC updated the account to show as " Charged Off '' as recently as XX/XX/XXXX. This is inaccurate information. The account was not charged off in XXXX of last yar, and the intentional way in which FMCC reported it has made it look like I have a very recent chargeoff on my credit report, which has caused untold damage in the way of credit card denials and sky-high interest rates offered on auto loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: FL

Complaint narrative:
15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XX/XX/, I received an email from XXXX XXXX of XXXX XXXX XXXX, stating that they would AUTO-renew and charge against my account in the amount of {$260.00}. I had never heard of this company. I called their number to make sure they wouldn't charge me. The person I talked to said that a XXXX XXXX from XXXX XXXX, California was using my ip address to remove funds from my bank account. He asked me to open my account. When I did, he drained my checking and savings account using XXXX, in the amount of {$2600.00}. I immediately called my bank to report this. A fraud claim was filed. I received letters from US Bank Digital Claims Services dated XX/XX/. 
Without ever contacting me for information on this " investigation '', they " determined the transaction posted as requested ". and was denied. When I took this to a customer representative, XXXX, at US Bank, she connected with XXXX in their fraud department via telephone and they both determined that the initial claim report was not filed properly. They resubmitted it. The letters I then received from US Bank Digital Claims Services on XXXX XXXX XXXX, stated, " we determined this is a duplicate claim. Your claim has been denied. '' I have attempted many times to talk to them on the phone but could never get any information or the opportunity to tell what actually happened and that I did not authorize these transactions.

I have reported this theft to the Police Department. They sent an officer to my home to talk to me and file an investigative report.

I have asked US Bank Digital Claims Services to send the documents used in their investigation, which is told in their letters I could request, but they never sent them. They said I would need to get a subpoena. ( I didn't understand who was supposed to get the subpoena ).

The name on my bank statement of the recipient of the stolen funds is 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 2023-05-03 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to file a complaint with CFPB regarding the failure to provide proof of investigation in response to my dispute. I submitted a dispute to your company regarding XXXX with account number XXXX, XXXX XXXXXXXX XXXX with account number XXXX, and XXXX XXXX with account number XXXX. I request that you reinvestigate the information and provide me with proof of reinvestigation as required by the FCRA Act.

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