vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CIBC BANCORP USA INC.
State: IL

Complaint narrative:
CIBC Bank USA includes a mandatory arbitration provision in their Consumer Deposit Account Agreement effective XX/XX/XXXX. In said provision, CIBC names the XXXX  XXXX  XXXX  ( i.e. XXXX  ). See attached CIBC Account Agreement. 

Beginning on XX/XX/XXXX, the XXXX  Consumer Rules require that any company who names the XXXX  in a consumer arbitration provision has to first submit the arbitration provision for review of said provision at least 30 days before the effective date. The XXXX  will then review the arbitration provision to make sure it is in compliance with the Consumer Due Process Protocol and Consumer Arbitration Rules. See attached Rule R-12 of the Consumer Rules. 

However, CIBC 's arbitration provision included in its Consumer Deposit Account Agreement is not included in the XXXX  Consumer Clause Registry. See attached XXXX  Consumer Clause Registry. So it appears CIBC is in violation of the rules. 

And the XXXX  will decline to administer consumer arbitrations arising out of an arbitration agreement if the business declines to pay the review and Registry fee. See rule R-12. 

CIBC should not be allowed to force its customers into arbitration thereby giving up their right to sue in state or federal court and then fail to follow the XXXX  rules resulting in their customers having no legal remedy whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My name is XXXX XXXX and I contacted Syncrony Bank via online chat on XX/XX/20 and I chatted with an agent that first off did not provide their name and that advised that I had to enroll in e-statements in order to view previous statements. The representative in my opinion was robotic and scripted. I felt that I was forced to enroll in e-statements instead of just being able to view previous statements whenever I wanted.

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 2020-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Found issues on my reports So I sent the bureaus disputes after reading about the laws W all identity & proof FCRA ACT etc. 30 days to comply n so forth as my right Sent all 3 bureaus 2 letters each 30 days apart ( no timely response/reply ) 1st XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Trans 2nd XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Trans XX/XX/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 2020-12-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Found issues on my reports So I sent the bureaus disputes after reading about the laws W all identity & proof FCRA ACT etc. 30 days to comply n so forth as my right Sent all 3 bureaus 2 letters each 30 days apart ( no timely response/reply ) 1st XX/XX/XXXX Exp XX/XX/XXXX XXXX XX/XX/XXXX XXXX 2nd Exp XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
1. I leased a new XXXX XXXX on XX/XX/XXXX with 39 monthly payments of {$360.00} as the terms of the lease. Ally is the Lender, and XXXX XXXX XXXX ( XXXX, OH ) was my Car Dealer. 
2. Paid each month to Ally on time and in full for 35 months ( last payment made on XX/XX/XXXX ) 3. Sold my XXXX  to XXXX XXXX ( XXXX XXXX XXXX ) and leased a new truck from the same dealer on XX/XX/XXXX. 
4. XXXX XXXX overnighted payment on XX/XX/XXXX to pay off my existing lease with Ally on XX/XX/XXXX. 
5. Check from XXXX XXXX was cashed by Ally on XX/XX/XXXX and was posted to my online account. 
6. I never received payoff confirmation from Ally or closure of my account notifications. 
7. It has been over 43 days now since the lease was paid in full and my account is now showing in a past due status. 
8. I next contacted XXXX XXXX on XX/XX/XXXX to confirm payment was sent to Ally. It was. They also stated they had had over 15 similar situations with Ally beginning in XX/XX/XXXX - approximately 15 transactions similar to mine. 
9. I contacted Ally 's Lease/Dealer numbers the same day - XX/XX/XXXX, with no resolution or explanation. I tried again on XX/XX/XXXX - twice - each time I was instructed to contact the Dealer for resolution. 
10. The call center was located offshore, and there was no concern or urgency to address my situation or transfer to a supervisor who could assist - even when I inquired. 
11. Ally has provided me no other means to resolve this issue.

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 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To help protect myself against fraud and identity theft, I contacted XXXX XXXX, and Experian. XXXX  and XXXX let me set up accounts through their websites and request or confirm credit freezes. I also set up an account on Experian. There was no simple way to request a credit freeze or to confirm whether it was included in the free membership. I finally found a reference to credit freezes in Experian 's educational materials. ( These were patently marketing materials for their enhanced services. ) In order to request a freeze, the consumer is directed to a phone number. I called, but there was no option to request a freeze or speak to a customer service rep. The call was summarily ended by the Experian phone system. I am complaining because I just gave a lot of sensitive, identifying and financial information about myself and I am not able to confirm whether the benefits of my membership includes a free credit freeze or how to request it. The site promotes its other services in a very heavy handed way.

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 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL SEE LETTER ENCLOSED

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 2020-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
I went to XXXX XXXX XXXX  on XX/XX/XXXX and traded my XXXX XXXX XXXX for a new XXXX XXXX XXXX. I completed all paperwork and left the dealership. I then recieved a call from XXXX XXXX on XX/XX/XXXX that I was behind on my lease and that I needed to bring the car into the dealership. I then advised XXXX that I had traded the vehicle on XX/XX/XXXX. They explained that there was still a balance on their end and they needed the car paid off or returned. I then proceeded to call XXXX XXXX XXXX who said that XXXX XXXX has not funded my deal and it was rejected. They told me that I would have to come in and sign new paperwork. I spoke with their assistant GM XXXX and he assured me that they would rectify the delay and also report back to the credit bureau. I was also promised that if there were any extra late charges or overages that XXXX XXXX XXXX  would cover. This is still not complete. I received another call from XXXX on XX/XX/XXXX about the payment to payoff the old lease still.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX < -- -- -- NONE OF THESE ADDRESSES ARE MY ADDRESSES. ***FCRA VIOLATION, HOW IS THIS VERIFIED AS ACCURATE? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- ALL THESE NAMES DO NOT BELONG TO ME -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$340.00} Date Opened XX/XX/XXXX < -- - NONE OF ALL THESE ACCOUNTS ARE MINE, HOW IS THIS VERIFIED AS ACCURATE? NO WRITTEN, ORAL, OR MAILED NOTICE TO ME. HOW ARE THESE COMPANIES LISTED NOT GETTING SUED? SHOULD I SUE?

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 2020-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- -- NONE OF THESE ADDRESSES ARE MY ADDRESSES. ***FCRA VIOLATION, HOW IS THIS VERIFIED AS ACCURATE? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- ALL THESE NAMES DO NOT BELONG TO ME -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$340.00} Date Opened XX/XX/XXXX < -- - NONE OF ALL THESE ACCOUNTS ARE MINE, HOW IS THIS VERIFIED AS ACCURATE? NO WRITTEN, ORAL, OR MAILED NOTICE TO ME. HOW ARE THESE COMPANIES LISTED NOT GETTING SUED? SHOULD I SUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I used my Marriott Bonvoy credit card to purchase a flight on XXXX airlines. The XXXX flight was canceled ( due to Covid ), and I requested a refund to go back on my card. I waited over two months and received no refund. In this time I was unable to contact the company or speak to a live person at XXXX. I then disputed the charge on my credit card. The first answer from the credit card was that the charge was valid because the merchant said I was a " no-show for the flight ''. I provided proof of cancellation and the credit card company said I could not get a refund and rebilled my account. The reason was, " that the airline was refusing to give a refund '' and that the dispute had " gone on too long ''. This is clearly a case of services not rendered. The flight was canceled and that is something that can be easily verified. I expect a credit card company to back up the consumer when cases like this arise. This clearly did not happen. They offered me a {$100.00} refund from Marriott Bonvoy and directed me to their executive offices if I wanted to dispute it further. I was told I could send them a letter in the mail, or send them a fax. No contact name or email address or phone number was provided. I find the handling of this situation by Marriott Bonvoy completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02 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: Netspend Corporation
State: AZ

Complaint narrative:
I received what looks like a real credit card in the mail from Netspend. Their website says they do prepaid debit cards, that's the only way I know what it is. I didn't order this and suspect it's fraud. There is no way to contact Netspend to ask why I'm receiving the card. The phone number is just a recording tree that doesn't answer my questions and won't allow me to speak to a person. 

I was a victim of identity theft this year and want to make sure this is not part of that. The card has my name on it and all the usual terms and conditions paperwork that would normally be included with a debit/credit card. 

I also read online that some people are being issued their stimulus payment through NetSpend but I already received mine so I shouldn't be receiving a second one.

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 2020-12-02 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: FL

Complaint narrative:
TODAYS DATEXXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX XX/XX/XXXX Dispute Department XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XX/XX/XXXXin question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX,XX/XX/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 2020-12-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
TODAYS DATEXXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXXXX/XX/XXXXDispute Department XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX,XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Prime Choice Funding Inc.
State: AZ

Complaint narrative:
While trying to close on our VA refinance loan the loan process was taking what seemed like an inordinate amount of time. After reaching out to both our loan processor and loan officer we were assured that we were close to a closing date. However, after some additional weeks had passed with no communication from the lended I became concerned. I had gone through my emails at that time and found a communication from the lender stating that they would close in 21 days of less. With that said, we had signed our loan estimate documents and intent to proceed document two months prior. 60 days had passed since document to process the loan were signed yet we had still not received closing disclosure or final lending documents. I then contacted the lender to inform them of what I believed to be inaccurate and false statements in regards to their closing timelines and that I intended to proceed with filling formal complaints if this issue was not immediately rectified. A phone conversation with our loan officer followed in which they stated they had never stated a closing date of 21 days or less. I informed the lending officer of the email in which he had stated a 21 day or less closing time line, to which he stated that he did not sent the email and that an automated system had. I did inform the lender that his name was on the email and that it had come from the lending company. We had further discussion about if I wanted to close the loan application, which I did not. The subject of closing the application seamed to be a threat of retaliation, if you file a claim against us then I will close your loan. I informed the lender a second time that I did not intend to close the loan process and that if the process was closed I would look at filing a retaliation claim. The lender then stated that I had been the one that was making threats. When asked what threat that was the lender stated the treat of filing a complaint. I did tell the lending officer that this was a threat to preform the action the lender had already committed to. The phone call ended at that time. In addition, I wanted to state that the lender had also made previous claims that we would be able to " skip '' two month payment on our mortgage when we refinanced. I'm not sure of this claim is legal or not but wanted to add that information incase it was a deceptive lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation