vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Byrider Franchising, LLC
State: TN

Complaint narrative:
I took out a loan with cnac for a XXXX XXXX XXXX XXXX, which now is under recall with NO KNOWN repair solution at this time. Due to this no insurance company will cover my vehicle, and CNAC requires full coverage insurance. I had a current policy with XXXX XXXX and when it was time to renew policy was denied coverage. I requested an exception, even acknowledging that I would have to pay more for high risk, but was denied. I called CNAC and asked about picking up their insurance and was told I could add collision protection but would still need to have state insurance coverage. So I requested a payoff amount in order to try to get loan to pay off in order to not default my contract agreement of insurance coverage. The amount was more than my app even stated my total loan amount was. I requested to XXXX that they swap me vehicles that is insurable and was told that I could come start a new loan agreement but all I've pd in past is null. They would only give me XXXX in trade in value and I owe {$10.00}, XXXX. This vehicle is for my ex wife, whom is on XXXX  and I am her rep payee. She barely makes enough to pay her payments and at times I pick up her insurance premiums. She doesn't have funds to just start over with a different vehicle, nor funds to be penalized by state for not carrying insurance on a car that is being financed, by cnac for defaulting on contract by not carrying insurance or because she pays it off early just to get out of contract. Considering the fact that the XXXX isn't legally able to be used on the street and due to no fault of her own, she is unable to utilize the product of which she purchased. CNAC basically said to make sure she makes her next payment but their is nothing they will do to help resolve the issue. Would it be possible to cut the added interest and fees and only pay the vehicle purchase amount in order to help her get out of the contract deal. She shouldn't be stuck with a noninsurable vehicle yet be held for the fees and interests of the future of the loan. What can she do? Should this be a XXXX issue or CNAC?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc.
State: MI

Complaint narrative:
At XXXX XXXX XXXX XXXX ARS called my brother on his personal cell phone looking for me. That cell phone is not linked to me at all and the only connection is the last name. As far as I'm aware it is illegal for ARS to contact or even threaten to contact friends and family to try to collect on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I deposited a check into my business account from an insurance check from the most recent rainstorm to fix our business space. The bank put a hold on the check for XXXX business days which was supposed to be today, XX/XX/2023. Now they have an indefinite hold on the check even though the check cleared the issuing account on XX/XX/2023. I have proof the check cleared from the insurance company. They are breaching every banking standard created to prevent this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I inquired about loans from One Main Financial. On the final page, which is intentionally created to confuse the consumer, it says to check a box if you would like OMF to show you offers for loans and that they would then check your credit.

HOWEVER, below that it very clearly states that having OMF check your credit will NOT affect your credit. ( Please see screen shot attached ) Within seconds of agreeing to proceed all my credit reports were hit with a hard inquiry. 

I called OMF on XX/XX/XXXX asking why this happened and then I was given the run around that I needed to speak to a specific department and to call back Monday. 

I called today and was redirected twice to a department that was clearly set up to handle this exact issue. There are thousands of complaints about this issue online. Like reading from a script they denied their authorization was deceiving or confusing and refused to remove the inquiry. They also will not stop calling me or emailing to approve one of the loan of offers. Pure harassment at this point. 

This is a very intentionally deceptive practice clearly created to confuse and bamboozle the consumer. 

OMF has numerous lawsuits and complaints for deceptive practices spanning years. This is simply another attempt to scam and harass the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received my refund check in the mail because I mistakenly used the wrong account number which was linked to a XXXXXXXX XXXX  card. It being a temporary card it didnt go through, so the check was sent back to the IRS for them to mail the check to me. Once I received the check in the mail, instead of paying a check cashing place I insisted to deposit the check in my bank account which is Regions bank.

When I gave the check to the teller, she then told me I would have to wait 1 business day then the funds would be available. Never did she say not once that it will be a 7-8 day hold. I deposited the check on XX/XX/2023 and the amount was {$5300.00}. I am not able to get out any funds and i am not able to pay any bills Ive never had to go through this it is very inconvenient and unprofessional with no communication on what I need to bring in to get my funds released.

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 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
Attempted to access the company website multiple times during the week of XX/XX/23 to view my mortgage loan and make my monthly payment but their website is not working. On XX/XX/23, I attempted to call the company but the phone number is no longer working. As of this e-mail there has been no communication from the company advising of any issues. It is unknown if this company is still in business or what is happening with my mortgage. 

Also, the company never sent out an Escrow Analysis Statement for this year explaining an increase in my mortgage payment which I know they are legally obligated to do. My payment increase goes into effect on my XX/XX/23 payment but again, no statement received explaining this increase.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX acting on behalf of XXXX XXXX reported a XXXX dollar debt to XXXX I had already resolved a debt with XXXX XXXX XXXX  that was collection on XXXX XXXX XXXX  behalf a month or two earlier and so I disputed the charge. XXXX reported that the debt was valid so I called XXXX and settled the debt again and paid XXXX on XX/XX/2023. XXXX then reported the debt to Experian on XX/XX/2023 I Disputed the debt with Expirian and they did not provide a clear response to the dispute. I contacted XXXX  and the confirmed the debt was resolved I took the opportunity to tell them that they never sent me letter reporting the resolution of the debt which I requested at the time of resolution since XXXX seemed to be pulling a fast one me and I felt I needed documentation. XXXX reported that the sent me an email and would send another. they also indicated that the were allowed 45 days for updating debt reports I challenged them that they in fact created a new report after having resolved the debt and they maintained they had 45 days to resolve the situation I have since been pre approved for a mortgage and nearly failed to get approval from another mortgage company due to the Experian report I reported again to Experian and XXXX the error XXXX  finally sent me my email conformation but it was dated XX/XX/XXXX as if I had just resolved the debt. At this point I feel XXXX is being purposefully duplicitous and Experian is being willfully ignorant or unacceptably incompetent and disputing credit reports i have suffered harm in the form of lack of access to preferred credit and even the threat of denial of credit I would like to have this harm addressed and sanctioned.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Hyundai Motor Finance, I am having trouble recognizing an account from you on my credit report. It says I owe a past due debt. Could you please provide me any and all account documents proves the alleged debt as belonging to me. Thank you very much for your time and assistance in the matter.

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 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My income has been much lower this year due to the nature of my job. I am a XXXX XXXXXXXX. I have tried twice to get help with Bank of America. The first time the rep offered a higher payment then I already had, the second she tried to Push me into a debt management company. 


When I declined the rep said I really needed to make payments and offered no other solutions except payment my bill or enrolling in a 60 month program. Every other company has offered a reduced monthly payment till I catch back up.

Please look into Bank of America and their practices. They should offer more solutions besides a debt management non affiliated 3rd party.

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 2023-11-27 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: Early Warning Services, LLC
State: CA

Complaint narrative:
On the day of XX/XX/2020. I received a personal check from a customer for {$13000.00} from their bank which was XXXX XXXX XXXX XXXX XXXXXXXX. I deposited the check into my checking account ( XXXX XXXX XXXXXXXX ) Like any other check it was verified and came back invalid. I had no knowledge that the check was invalid. XXXX XXXX XXXXXXXX ended up closing my account and asked me to pay a closing fee. I payed the fee to XXXX XXXX  XXXX which I was told by a customer representative that it with that being paid they will remove all negative remarks from my banking report. I recently got a hold of my banking report and found out that they are reporting negatively on my report as fraudulent. They are not trying to remove this claim of my banking history with XXXX and Early Warnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
On the day of XX/XX/2020. I received a personal check from a customer for {$13000.00} from their bank which was XXXX XXXX XXXX XXXX  XXXX. I deposited the check into my checking account ( XXXX  XXXX XXXX ) Like any other check it was verified and came back invalid. I had no knowledge that the check was invalid. XXXX  XXXX XXXX ended up closing my account and asked me to pay a closing fee. I payed the fee to XXXX  XXXX XXXX which I was told by a customer representative that it with that being paid they will remove all negative remarks from my banking report. I recently got a hold of my banking report and found out that they are reporting negatively on my report as fraudulent. They are not trying to remove this claim of my banking history with XXXX and 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 2023-11-27 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: FL

Complaint narrative:
My information was sold and bought illegally because I am a victim of the Equifax data breach. I want all hard inquiries to be removed effective immediately. I sent via certified mail to Equifax a dispute letter and received no solution to my problem. Equifax data breach website confirms that I have been affected of the Equifax data breach ; I am attaching proof that I am a victim of the data breach as well as my dispute letter sent out XX/XX/XXXX. The following inquiries are still fradulently reporting on my Equifax credit report : XXXX ) XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: MA

Complaint narrative:
XX/XX/2023 ( with XX/XX/XXXX XXXX stamped date ) the I.Q. International Data Inc., a third-party debt collection agency hired by Residences at XXXX XXXX  XXXX XXXX validated '' debt : Stated the principal Due : {$4300.00} ( including notice fee ) + Interest Due : & XXXX in a total of {$5200.00}. XX/XX/2023, I have responded to I.Q. Data International , Inc. to dispute the amount owed. I have noticed them that the apartment agreed to early termination because I have surrendered the apartment to avoid non-paying rent and eviction a few month before the lease end and I have lived there over a year. The property management company said they would refund my deposit but they never did. The Residences at XXXX XXXX has been sued many times due to their poor management. 

The principal due they were trying to correct was higher than numbers of month x rental cost and the owed deposit was not included in the balance. It took them XXXX  years later to notify about this debt and increasing the interest amount every XXXX  days. They have never provided any detail document or original agreement but a few lines : principal due, interest dues and total amount due. 

With a few more attempts asking for original proof/document, I have not heard back from them since XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I purchased something from XXXX XXXX XXXX XXXX XXXX and they offered credit card with promo 12 months deferred interest, I took that offer, now in XX/XX/2023 before those XXXX promotion balances expire I contacted customer care of the bank and made a minimum payment plus entire amount to cover this XXXX promotional balances, I requested to allocate everything I paid on top of minimum payment towards those XXXX promotional balances to pay them off in time to avoid interest rate. They said that they stopped manually allocating payments few months ago its their bank policy, so system will allocate this payment accordingly not to be worry. following month I've received a statement showing my payment and they allocated entire payment towards revolving balance but XXXX towards those expiring promo balances with deferred interest rate, I contacted them again, asking why my payment was allocated or distributed completely wrong and referred to CFPB rule {$1000.00} ( a ) XXXX stated that they should allocated any payments over minimum payment in the last XXXX billing cycles towards those promotional balances, or allocate it manually, they said im right and its a system error that they don't understand how it happened, so the management admitted there is a issue and filed a dispute to their financial department to correct the issue. Fast forward, now Im 2 days before promo balances will expire on XX/XX/2023 and nothing has been done, I called again and they said it can take up to XXXX billing cycles from now to have a result of this dispute, they confirmed that they will XXXX deferred interest over {$700.00} to my account, and if results of dispute shows they are wrong they will credit those money back to me. It looks like bank implemented a system to make it difficult or next to impossible to pay off promotional balances in time so that can collect deferred interest rate. I uploading XXXX statements for XX/XX/2023 and XX/XX/2023, showing my payment and on the last page it shows how the payment been allocated, I highlighted it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc.
State: TX

Complaint narrative:
This debt collector engaged in abusive deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
XXXX XXXX XXXX acting on behalf of XXXX XXXX reported a XXXX dollar debt to XXXX I had already resolved a debt with XXXX XXXX XXXX  that was collection on XXXX XXXX co behalf a month or two earlier and so I disputed the charge. XXXX reported that the debt was valid so I called XXXX and settled the debt again and paid XXXX on XX/XX/2023. XXXX then reported the debt to XXXX on XX/XX/2023 I Disputed the debt with XXXX and they did not provide a clear response to the dispute. I contacted Waypoint and the confirmed the debt was resolved I took the opportunity to tell them that they never sent me letter reporting the resolution of the debt which I requested at the time of resolution since XXXX seemed to be pulling a fast one me and I felt I needed documentation. XXXX reported that the sent me an email and would send another. they also indicated that the were allowed 45 days for updating debt reports I challenged them that they in fact created a new report after having resolved the debt and they maintained they had 45 days to resolve the situation I have since been pre approved for a mortgage and nearly failed to get approval from another mortgage company due to the XXXX report I reported again to XXXX and XXXX the error Waypoint finally sent me my email conformation but it was dated XX/XX/XXXX as if I had just resolved the debt. At this point I feel XXXX is being purposefully duplicitous and XXXX is being willfully ignorant or unacceptably incompetent and disputing credit reports i have suffered harm in the form of lack of access to preferred credit and even the threat of denial of credit I would like to have this harm addressed and sanctioned.

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 2023-11-27 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: MI

Complaint narrative:
I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX  account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX  account for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of 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 non-monetary relief