vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Lugano Capital, Inc. d/b/a Start Auto Finance
State: FL

Complaint narrative:
I paid my down payment, and they got my loan approved through Start Auto Finance. Then they repossessed my car illegally. They are trying to get me to pay an additional {$4000.00}, and now the finance company is recalling the loan even after I've made my first car payment. The Dealership and Start Auto Finance are working together because when I called the branch manager, XXXX, she said I need to show proof I paid the full down payment, which I did according to the contract. He made a bill of sale with no dates and added fraudulent dates. Now they have my car and are trying to keep my down payment. I'm also filing complaints with DHSMV and OFR. Additionally, they are trying to charge me repo fees illegally, and they were not even allowed to repo my car. The finance company claimed they paid them, but when I spoke to XXXX, she said they have not paid them. I'm not sure how that is even legal when they sent me my welcome letter, and I paid my initial car payment. Also, they are trying to charge me to get my personal belongings and keep items out of my car. The repo guy, XXXX XXXX, stole items out of my car, and all three of these companies are working together illegally. His LLC is inactive when I looked on XXXX as well. I've filed every complaint I can as these companies are committing bank fraud. they are keeping my down payment, the car, not returning my plates or personal belongings. They are trying to resale my car on XXXX and keeping all my money. I'm not in any default of any contracts that they are claiming. Start Auto Finance is working completely illegally with XXXX XXXX XXXX XXXX and they both need to be investigated because I know I'm not the only victim. there are tons of complaints on both companies. 
I upheld all my stipulations, but XXXX XXXX XXXX XXXX intentionally stalled the process. They repossessed my car on XX/XX/24, even though I submitted all documents on XX/XX/24. They deliberately gave me the runaround, timing it on a Friday evening to hinder communication. Finally, I reached XXXX on Monday, but she made me wait until Tuesday for my contracts. She demanded proof of full down payment, which I had already provided as per our contract. On our interview call, I clearly stated that the down payment was made. It's evident that XXXX and XXXX XXXX XXXX XXXX are colluding to defraud me. I submitted a copy of my receipt that I paid to start auto and it clearly states no side loans or balances! This is bank fraud!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: Cash In Minutes
State: UT

Complaint narrative:
Called the XXXX XXXX office today to get the pay off of the loan and explain the situation, the lady that answered refused to give me the pay off after i asked multiple times. she started to threaten me with statements like " we will go ahead and take your collateral '' when i stated i didn't have the collateral she then threatened me with " then we will proceed with legal action! '' i told her i'm trying to get the pay off and give you a promise to pay date -since i refinanced my home and explain the situation and she kept repeating " we are not going to wait for you, we are not going to hold off until the XXXX of XXXX '' I even stated that if there were late fees assessed that i would have that included in the cashiers check to cover the days i am past due- she refused and started to treat me like less and made me feel discriminated because i was asking for time to send in the pay off check. I have never had this issue with any of the locations and have always paid them off this is the first time i was having an issue and i was treated so unfairly and extremely poorly, after arguing with her she said to call her manager and hung up on me. 
I then called the XXXX location to get the phone number for the manager and left her a voice mail explaining the situation and After an hour I called back to the provo location and someone from a that location stated to call the XXXX location and ask them for the pay off ( she did how ever provide me with the pay off for their location with no issue, and the same with their XXXX XXXX location ). I proceeded to call that number and the lady that answered told me she could text me the pay off with no issues. When i asked if it was in fact possible to be taken to court less than 7 days past due she said " its up to the manager of that location '' leaving me doubting and afraid of being sued when i'm trying to get the information for the pay off to have a cashiers check sent to them. It took multiple calls, an argument with someone who in fact did NOT want to help and her threatening me with legal action ( considering its not even a week, today its 3 days past due ) i started to cry from the fear of being taken to court when all i want to do is pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Ensuring timely payments has always been my priority for this account, ensuring they're never overdue. I'm puzzled by the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking to my credit report and noticed that there were hard inquiries that are not mine there.

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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX my computer was hacked into. I couldn't clear it or do anything, there messages & recordings saying something had happened with XXXX and I had to call them. I called and spoke to " XXXX XXXX employee # XXXX from XXXX XXXX. He said he needed access to my computer to run diagnostics to see where the breach had occurred. He said he saw that hackers were using my accounts to purchase gift cards at XXXX, XXXX and XXXX and on XXXXXXXX XXXX  and XXXX. He kept showing me screens that looked like transactions on my accounts. He had me on the phone for over 2 hours saying that XXXX was doing all they could to keep me & my information safe. 
Eventually he said that the hackers were trying to do a transaction at XXXX for {$11000.00} and he needed to do a wire transfer from my account at XXXX to counter act the transaction. He assured me the money would never leave my account and this was the process. He had control of my computer the whole time through XXXX. I was panicked and confused after so long on the phone. It was after the wire transfer was initiated and he told me not to call the bank that I became concerned that he was the hacker. I was never contacted by XXXX to question the activity on my account even though I had never made a wire transfer. I called them to report the activity to try to stop the wire transfer, but it was already sent and they could not recall it. I filed a claim & reported the fraud. I went to a XXXX branch and a banker helped me close my checking account and open a new account. After the hacker realized I had called the bank, he still kept trying to contact me saying that XXXX was sending me back the {$11000.00} and provided a refund id # XXXX. 
I have been working with the XXXX XXXX XXXX XXXX XXXX and have gotten no resolution. Every time I call I am given different information and different versions of the their process. They are trying to get the wire transfer reversed from XXXX XXXX. 
It has been 2 weeks and as of this morning they say XXXX XXXX has not repsonded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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 the information is inaccurate.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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 the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX my American Express Card was charged by XXXX ( my business website host ) for {$460.00}. I called and stated that that was too much money and I wanted to close the account. They offered me a 20 % discount and I accepted that. They then charged my card {$370.00}, the agreed upon price. After a few days of not getting the original refund of {$460.00} I called XXXX why I didn't receive a refund and was told the charge was never put through. When I got my Amex bill, it showed 2 charges, one for {$460.00} and one for {$370.00}, both charges. After trying multiple times to resolve with XXXX I called Amex and disputed the charge of {$460.00}. After investigating I was given that amount back and the merchant kept the agreed upon {$370.00}. Fast forward to XX/XX/XXXX. I get a notification from XXXX that my website is being suspended and deleted for non payment. When I contacted them they claimed I disputed the {$370.00} and owed them that money. I contacted Amex and they confirmed that I never disputed that amount and the only amount returned to me was the overcharge of {$460.00}. After dozens of calls and emails to XXXX they said the issue was with Amex and not them. They then told me that to keep from deleting my websites I had to immediately pay {$190.00}. I paid that money ( which I consider to be extortion ) in order to get my business back up and running. I called Amex again, explained the situation and was told to move to another vendor and they would charge back the {$190.00} and {$370.00}. I them moved my websites to a new host. I called Amex back and they now said they couldn't charge back the {$370.00} because it was past 60 days. I paid for 3 years of hosting service and got 7 months worth. I asked them to contact the merchant on my behalf and they said that wasn't possible, that they agreed I was duped but that they couldn't do anything about it. I explained that this was an error on their part according to the vendor and they denied have made the chargeback of {$370.00} and again, told me to contact XXXX. I contacted XXXX again via email and was told by their escalation division that the error was Amex 's and I needed to take it up with them. I spoke to escalation and Amex and they claimed they can't do anything because they aren't allowed to contact merchant 's directly to sort the situation and the computer system doesn't allow for disputes past 60 days. I am at XXXX XXXX  end trying to resolve this. Both XXXX and Amex claim the other made a mistake. All I know is I'm currently out {$370.00} and XXXX for services I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
My employer, XXXX, had a relationship with Optum Bank for its employees Health Savings Account ( HSA ) ; so, I opened an account with Optum so that my HSA contributions could be deposited there. Optum then allowed employees with over {$2000.00} in their HSA accounts to invest the excess with XXXX. At the time, there were NO disclosures provided regarding the fact that the assets at XXXX  would have to be liquidated for any subsequent transfers out. I was always under the impression that, like with almost all other investment firms, I could rollover my assets if I needed to, without any roadblocks from Optum.

This year, my employer stopped using Optum for its HSA relationship and switched to XXXX. I decided to leave my HSA investment account at XXXX because I have other accounts there. But then I had to withdraw some funds from my Cash balance in my Optum account to pay medical bills and that left a very low balance there. I called to request a closure of the account but that did not happen. Then, on XX/XX/2024, I found out that Optum had charged my account a low balance maintenance fee that then put the account in the negative. Yesterday, XX/XX/2024, I called Optum again insisting on the Optum Cash account closure and was informed for the first time that I must liquidate my XXXX investment to close the Optum account. They asked me to call XXXX and see if there are other options. I called XXXX today XX/XX/2024 and XXXX pretty much told me that unlike with other financial institutions where I could initiate a rollover on my own, Optum will not allow it. Optum will insist on a liquidation of my assets. I called Optum back and Optum confirmed it. 

This is nothing but holding clients hostage and forcing them against their will to keep funds at Optum. If the Cash account balance gets low, clients get dinged with maintenance fee ; so they have to keep the balance high. And they can't exit the relationship and close the account without having to liquidate their investment. I DO NOT want to sell my assets and I feel like I am being forced to. And not doing so keeps the Cash account open with unending maintenance fees charges because HSA contributions are no longer going in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
FCRA 605B mandates the elimination of erroneous accounts from my credit report. Can you verify the documents? Several listed accounts contain inaccuracies concerning reporting, amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My husband and I have had the Costco Citibank Visa for over 14 years. 
I usually will setup payments online. 
XX/XX/2023, I setup an online payment for our Costco Visa. 
Approximately 5-7 days later, I was notified by a Citibank email that the scheduled payment for our Citi accounts was returned unpaid by our bank, XXXX XXXX . 
I immediately contacted our bank and inquired why. The XXXX XXXX representative did not see anything and suggested I do it again. 

XX/XX/XXXX, I again setup an online payment. Again, I received another email ( by Citibank ) that my scheduled payment was returned unpaid by our bank. 

XX/XX/XXXX, I call Citibank and scheduled by telephone payment in full to our accounts. 

XX/XX/XXXX, monies were taken from our checking account and our Citibanks accounts were paid in full before the due date. 

XX/XX/XXXX & XXXX, I again setup an online payment for our Costco Visa. 

XX/XX/XXXX, I was again notified by email ( by Citibank ) that the scheduled payment was returned unpaid. 

XX/XX/XXXX, I called Citibank and scheduled by telephone payment in full to both of our accounts. 
I contacted XXXX XXXX again, they explained they had made some changes and they found the possible reason the scheduled payments were being refused. 

XX/XX/XXXX, I received in my email that I would be receiving {$640.00} reward certificate. 

In the meantime our accounts had been closed with no email notification, apparently those notification was being sent in the mail. 

XX/XX/XXXX, I scheduled an online payment. XXXX XXXX had made the fix on their end and and Citibank receive their payment in full. 

XXXX XXXX I have called Citibank, about the rewards and customer service submitted a request. I received a denial letter because my account history " showed one or more late or returned '' payments in the past six month ''. 
None of my payments were late. The schedule payments were out of my control and I worked with XXXX XXXX to resolve it. 

XXXX XXXX I sent a letter of appeal. I outlined everything, as I did above. I just wanted the rewards. 

XX/XX/XXXX, I received a letter that they will not send rewards on a closed account. 

We can get another credit card, we just want the rewards that we earned by using their credit card. 
Ironically we have been receiving their credit card apllications in the mail. 

I feel they are shutting us out simply to not issue the rewards.

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