vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are hard inquiries on my consumer credit report. I have contacted the consumer credit reporting agency to have these hard inquiries removed. The hard inquiries are a violation of my privacy. The hard inquiries also violate the FCRA.

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 2021-11-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the inquiry that is still reporting on my account :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
SETF/WOFC Acct # XXXX Please read carefully, I did not recieve the following : Pre Letter or Post Letter The Repo was not peaceful at all and I was very distraught! 
Is this account open or closed? On my consumers report it says closed but a mortgage company said it was open. I need more validation and recepits for this account and a copy of the 1099c. 

I also called the Gap insurance they said they paid your company and I need that information for my records. I have no records of the following ; there was no notice of the repo beforehand and this was during covid so please provide the following information or delete this from my account. I have no information on the company that came to my house and disturbed the peace of my home and neighborhood. The law states that it should be a peaceful process. I was supposed to get a Pre Letter and Post Letter. 

This vehicle was repossessed by your company in the State of NC on or about, XX/XX/2020. 

Under the laws of the State of ( NC ) UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I made a transfer request on XX/XX/2021. It was made to an attorneys XXXX account. The transfer was made as an ACH instead of a wire transfer and the XXXX account blocks it automatically because it doesnt receive ACH transfers. The recipient bank Rejected the funds and the funds were returned XX/XX/2021. Since XX/XX/XXXX until today XX/XX/XXXX, I havent not received my funds yet. Bank of America claims the funds were not returned but the recipient bank sent me confirmation of the communication between both banks in regards to my funds being returned. I havent been able to solve this with anyone at Bank of America. I was placed on hold multiple times multiple days with over hour waiting times. I have been a customer of Bank of America for 15 years and I am perplexed by the level of disregard for my experience as a loyal customer.

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 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX is not the secure and safe money transfer service that they claim to be. Because of the fact that it is OWNED by the major banks including my bank ( Truist ), one is lead to believe that the service would come with the protections that your other banking services do. This is NOT the case. In fact, though not clearly stated anywhere in the XXXX term of service, there is a small clause that states that " transactions authorized by the sender are not protected '' and that the primary purpose of the program is to ONLY send between family and friends that you know. 
On Tuesday XX/XX/2021, I was looking for tickets to the XXXX XXXX in XXXX, GA. I live in XXXX and am a huge XXXX fan. I am part of a large email chain of fellow retired individuals who keep in touch. I sent an email asking if anyone knew or had extra tickets for sale and posted my phone number. An hour or so later I received a call from a XXXX XXXX who said he saw the email and had tickets. They were {$560.00} for two. I was to XXXX the funds to him which I did. 
Obviously I never received the tickets and when I called the bank to file a complaint I was told it would be investigated and there would be a " good chance '' I could recover my money. It has been 14 days and I have heard nothing, received no funds and have had no call or contact from Truist.

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, 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:
There are hard inquiries on my consumer credit report. I have contacted the consumer credit reporting agency to have these hard inquiries removed. The hard inquiries are a violation of my privacy. The hard inquiries also violate the FCRA.

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are hard inquiries on my consumer credit report. I have contacted the consumer credit reporting agency to have these hard inquiries removed. The hard inquiries are a violation of my privacy. The hard inquiries also violate the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: AZ

Complaint narrative:
My husband and I bought a home a year and a half ago. It is a manufactured home on two lots. The home is married to the land. There is no tongue or wheels left on this home. It is a part of the real property. We had to go through a financial institution that finances just Manufacture Homes. We were charged a higher interest rate because of the type of home we purchased. I understand interest is a fee that a borrower pays a lender as compensation for the risk of loaning that money out. I know there are factors in determining the interest rate. Our credit score was over 800, we had a down payment, the amount to borrow, and the period of the loan. All this to get to the struggle I have with this. I think the system is broken. Why do lower income families have to pay more interest in paying for a home than a higher income family. They tell you to make extra payments on your home. Well that is well and good if you had that extra income to do that. There are many more people out there that have this same issue. But just accept it as it is what it is. It seems like our nation will do more for those that are not citizens than those of us that are American Citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: NC

Complaint narrative:
Constant phone calls. They are looking for someone I don't know but won't stop calling my number. This is a cell phone and it costs me money for them to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I filed Bankruptcy in 2017 and my three Commenity accounts were all included and written off. XXXX XXXX and XXXX are reporting correctly however XXXX on all three Commenity accounts are reporting balances in error. This is causing a 80 point drop in my XXXX score and I need the balances updated to show {$0.00} owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX was paid off in full in XX/XX/XXXX. Nissan Finance never sent title to vehicle. Went to the XXXX to request title and was notified Nissan Finance had requested the title as a paper copy in beginning of XX/XX/XXXX to be sent to an address in California. Have called several times to resolve this. Vehicle is sold and can not complete sale as they are holding the title to a vehicle I paid for! No reason as to why this was done this way and this should be illegal! Have been told it will now take 20 business days to get the title in the mail and I have already purchased a new vehicle and can not go through with selling this one due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, it can cause a lower credit score, denial of credit, higher interest rates on loans and credit extensions, and more. It's important to recognize when the FCRA has been violated and it has so in my case account under the name XXXX XXXX also known has XXXX XXXX has violated against me. Number one they have been reporting late payments on an account thats was closed on XX/XX/2021. They have Been reporting late payment from XX/XX/2021to present day XX/XX/2021. 2 they have been reporting inaccuracies payment reporting to all three credit bureaus I have disputed the information and it has not been updated to correct these violations

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 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
I have no contract with this company. This company is reporting a debt that they have no contract to collect. This company has illegally claimed to " certify '' this as accurate reporting but has failed after several request, to prove the contract that I have breached my duty to pay them. 
XXXX is has notified me that DISPUTED ITEM NOT LISTED ON CREDIT REPORT yet is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Im a victim of ID theft I have filed a ID theft report on identitytheft.gov, and the collection agencies listed keep reporting the the items as valid. K have sent them a copy of the ID theft report from identitytheft.gov. All 3 of the credit bureaus have deleted these items more than once but the collections agencies listed keep reporting it. It need to stop being reported to the credit agencies or my next steps is to sue the collections agencies listed.

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This account is reported negatively only in one bureau. This is unfair. Please help get this corrected or removed.

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 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This is the second time I try to resolve this with USAA, but it has not worked. USAA failed to cover my mortgage and other payments with my secondary account/overdraft protection which has plenty enough funds. The first time I tried to resolve was about 1 month ago when my mortgage servicer, car insurance, and internet provided messaged me that my payments were returned. I then patiently stayed on the line for clo se to 1hr to talk to a representative who explained to me that USAA had made some systemic changes/upgrades and that affected overdraft protection for some members, including myself. She refunded some of the fees- not all of them - and placed back the overdraft protection. Fast forward one month a nd the same issue occurs. This time is my mortgage and a couple of other payments and the wait time to talk to someone is over 1hr. Last time I had to go through the embarrassment to apologize to my creditors and had to absorb their late fees. This time I expect USAA to refund all fees - banking and creditors- and an apology letter at minimum. But most importantly, I expect a world-class organization like USAA to get it right. If and when systemic enhancements/changes are made, perform adequate pre-implementation testing to ensure preventative controls are in place to minimize/eliminate consumer impact.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is displaying erroneous information on my credit report, I contacted XX/XX/21 and they still havent updated my credit report with the false information deleted. Please correct this thanks.

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 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: IL

Complaint narrative:
I received a call at work at my desk phone from a representative by the name of XXXX of IQdata on Monday XX/XX/2021. I advised her that i hadn't received any notification nor proof of debt to my mailing address. i asked her not to call me at work and to please send whatever it is in writing she refused stating since she had me on the phone lets take care of it now. we went back and forth about her not calling versus discussing it with her by phone. i refused to start a n arrangement without documentation. she refused and stated she would now be moving to the next stage of collections. i still advised her to send it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc.
State: TX

Complaint narrative:
THIS COMPLAINT IS IN RESPOND TO THE COMPANY 'S LETTER THAT WAS SENT WITH NO DATE NO. AN ORIGINAL DISPUTE WAS FILED REQUESTING A REFUN FOR THE WARRANTY THAT WAS SOLD BY CAR MAX, NOT THE VEHICLE BUT THE WARRANTY. CARMAX SENT A RESPONSE STATING I REQUESTED A REFUND FOR THE CAR, LIES. WHOEVER RESPONDED TO THE COMPLAINT OBVIOUSLY NEEDS LESSONS ON COMPREHENSION. WHEN I WAS SOLD THIS CAR, I WAS THE EXTENDED WARRANTY WOULD COVER EVERYTHING, AND I WOULD NEVER WORRY ABOUT OUT OF POCKET COSTS FOR MORE THAN XXXX DOLLRS OR SO, WHY? BECAUSE CARMAX 'S WARRANTY WOULD COVER IT. I WAS TOLD THIS WARRANTY WAS THROUGH CARMAX NOT A 3RD PARTY, TILL THIS DAY I DON'T KNOW WHAT THIS SO CALLED WARRANTY COVERS, I HAVE ASKED FOR INFORMATION VIA PHONE AND WHEN I RECENTLY WENT TO MAKE A PAYMENT AND IT STILL WAS NOT PROVIDED TO ME. I AM PAYING FOR SOMETHING I AM GAINING NO BENEFIT FROM, EVERY TIME THERE IS AN ISSUE, I AM TOLD THE WARRANTY THOSE NOT COVER IT, BUT FACT IS DURING THE PURCHASING PROCESS I WAS TOLD OTHERWISE. I WANT A REFUND OF THE WARRANTY BECAUSE I WAS LIED TO PURCHASE IT BUT NOW I AM BEING GIVEN THE RUN AROUND. IF YOUR SALES PERSON GOT THE INFORMATION WRONG, THAT I SON YOUR COMPANY NOT ME, I KNOW WHAT I WAS TOLD, THAT IS WHY I BOUGHT IT IN THE FIRST PLACE. THIS COMPANY NEEDS TO BE LOOKED INTO, THIS IS UNACCEPTABLE ON MANY LEVELS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I decided to refinance my auto loan via where I have my checking and savings accounts. 
Per the request of my banking institution I requested a " Ten Day Payout '' document from the auto loan company. I received by email said document and forwarded on to my bank. My bank in turn sent a check to the loan company for an amount greater than the tenth day of the payout which was received and promptly processed and credited to my loan. 

HOWEVER, instead of applying the payment as a " payout '' it was applied as forty-five ( 45 ) payments, with my next payment due in XX/XX/2025. 

I have brought this error to their attention, and a supervisor with whom I spoke opened a " case '' to investigate. I heard nothing back from the supervisor as promised. 

Not receiving a response I sent letters describing my situation to various departments and Chief company Officers.

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