vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-09 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX Equifax, XXXX ) and the Creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
It has been over 9 weeks of trying to unfreeze my new savings and checking account, and Citibank refuses to help. 
They flagged my account for fraud and will not even tell me why. I gave them many forms of I.D . but they are demanding a utiliy bill and pay stub. Because I do not pay utility bills where I live ( It is a temporary rental until XX/XX/XXXX ) I can not give them my utility bill. Because I am on XXXX, I can not give them a paystub. I did give them my XXXX statement from social security with the same address, and my social security number on it. That is my paystub, but they won't accept it. 
This is now a civil rights issue, because I am being discriminated against for not having a regular paycheck, and only a XXXX statement. I also gave them bank and credit card statements from another bank with the same address on them, and my drivers license. 
My drivers license address was not changed yet because I am living in a temporary rental. But I did send them a copy of the lease for the temporary rental to show a physical address. And I called to change the address on my account to the temporary rental so it would match. 
I just signed a lease for a new rental on XX/XX/XXXX and I updated my drivers license to match my new XX/XX/XXXX address. I can send them this future lease and address-changed drivers license, but I can not even get a call back from XXXX XXXX XXXX Citibank 's executive response office. 
He seems to be purposefully unhelpful, and that is why this dispute is going on 10 weeks. 
I requested another person to call me, but no one called yet. 
All I did was trust Citibank by opening a savings and checking account, while being completely honest in my application. Trusting them costed me literally 50+ hours in disputing time, lots of stress, and my XXXX  scores have dropped over 100 points because they have my money locked up and I can not pay my bills. 

This is unfair. Please help me unlock my money so I can pay my bills. 

The only thing I could think of, as to why they would do this to an honest customer, is maybe they want to renegg on their promo offer? 
I opened the account on a promo offer to receive a bonus of {$1500.00}. 
Is this their way of keeping my money for months without having to pay the promo offer? 
Either way this needs to be resolved. 

Additionally, I have been a Citibank credit card customer for well over 10 years, with the same address on the credit card account. I also called to verify and activate the debit card they sent me for this new frozen account with no problem. So why would they mail a debit card to me to access the {$220000.00} on deposit, if they think I am a fraud? 
And why was my account status healthy when making deposits, and not healthy when I tried to access my money? None of this makes any sense.

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 2021-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I am a consumer, natural person, who exercised my right to grant and extend credit by using the open end consumer credit plan by way of the use for credit card of choice, being the social security card. On XX/XX/2021, I entered into a consumer credit transaction with XXXX XXXX XXXX along with the financial institution, Toyota Motor Credit corporation for the purpose of obtaining the property purchased. None of the contracts provided to me had full disclosures including not disclosing that I have the right to rescind pursuant to 15 USC 1635. Therefore, I have practiced my right to rescind before the 3 day expiration after the date of consummation of the transaction and being sent to all parties involved via Certified Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: Netspend Corporation
State: NC

Complaint narrative:
I Bank with NETSPEND. On XX/XX/XXXX at XXXX a charge was made on my account for {$0.00} to XXXX XXXX XXXX  XXXX Florida XXXX Then at XXXX XXXX. {$160.00} was transferred from my savings account to my checking account. At XXXXXXXX XXXX. {$580.00} was transferred from my checking account to another account with the name XXXX XXXX. On XX/XX/XXXX I attempted to use my card at XXXX XXXX XXXX at approximately XXXX in the XXXX My card declined twice I think called NetSpend to find that my PIN number would not work. And that my account have been completely drained!! I also had no access to my online account either. I was locked out. When I got a hold of customer service they put it through as a dispute instead of a fraudulent claim as I made my way to the police station in XXXX North Carolina to make a report. This person also changed the address on my account to a Michigan address where I do not live and have no ties to. My address is a XXXX address. 
NetSpend also claims to record phone conversations. I requested that they listened to the phone conversations and determine the difference in voices between mine and who made the transfer through customer service. I have never made a transfer through customer service only through my online account using the flashpay ID number transferring money to my fiance 's account which also has my name as a secondary. NetSpend did not red flag this transaction. As this person changed my PIN number my address and transferred money after an odd transaction coming out of Florida for {$0.00}??!! I have also made a request that NetSpend release any and all information to the police for their investigation and they have not done so. They then come to a determination that this was a legit transfer. And refuse to return my money to my account!

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 2021-10-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Since XX/XX/2021 I have been sending disputes in to ALL 3 BUREAUS and they have failed to conduct an investigation and it has now been 3 months way passed the FCRA timeframe given to investigate at this point the bureaus are now in direct violation and need to permanently delete these items from my report from violating my consumer rights to conduct a proper investigation. Attached is every single dispute that has been sent to the bureaus to investigate. I have also attached my Driver 's License for proof of my identity. Please consider this my written authorization to conduct an investigation. I do not want to have to file a civil suit with a Consumer attorney because the bureaus refuse to do what is right by me as a consumer. 

Thank You

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 2021-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I received a transfer of service notice from my current services, community loan servicing indicating my loan would be transferred to Fay servicing on XX/XX/XXXX. The letter indicated that Fay servicing would be accepting payments as of XX/XX/XXXX and gave a phone number ( XXXX ) and address for Fay servicing to send payments to Fay Servicing , LLc XXXX XXXX XXXX XXXX XXXX Ill XXXX. I contacted Fay servicing on XX/XX/XXXX to make a payment and get my account number and they had no record of the loan. I contacted Fay servicing on XX/XX/XXXX to attempt to make my payment once again. I spoke to XXXX XXXX on a recorded line on Friday morning at XXXX PST at Fay servicing. I was told they had no record of my loan and could not accept payment. I was also told not to mail my payment to the address given on the Transfer service notice because I had no account number, and they had no record of the loan. I was told they were having problems on boarding loans, and I would not be charged a late fee or any penalties because it was there fault. XXXX XXXX told me to keep calling back and checking to see if my loan has been on boarded. 
I also called my previous service-Community loan servicing on XX/XX/XXXX, and spoke to XXXX at XXXX to make her aware of the problem and what they had indicated in the letter about Fay accepting payments on XX/XX/XXXX was inaccurate and false. She has referred me to a consumer advocate person at Community loan servicing who will call me on XX/XX/XXXX. Community loan can not accept my payment because they have my loan transferring to Fay servicing as of XX/XX/XXXX, and Fay servicing has no record of the loan. Please help me resolve this. I just want to make my mortgage payment now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: FISERV FINXACT CORE
State: NJ

Complaint narrative:
TRS recovery services are claiming I owe XXXX $ from XXXX and now I owe XXXX $ instead from a transaction on XX/XX/2021 for insufficient funds. Thats impossible because XXXX XXXX wont allow money to be deposited if the money isnt there and I always have money before making a deposit. I checked out the review for this company and its obvious this is a scam. Theyre asking for a cashiers check or money order if not they have my information and I wont be able to cash checks or open up any bank accounts unless I pay. I just want to make sure I dont have to take any action to avoid my credit being messed up even though this is a scam company thats been going on for a while

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: TN

Complaint narrative:
I have contacted the Credit Bureaus/Agencies XXXX XXXX and TransUnion ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Since XX/XX/2021 I have been sending disputes in to ALL 3 BUREAUS and they have failed to conduct an investigation and it has now been 3 months way passed the FCRA timeframe given to investigate at this point the bureaus are now in direct violation and need to permanently delete these items from my report from violating my consumer rights to conduct a proper investigation. Attached is every single dispute that has been sent to the bureaus to investigate. I have also attached my Driver 's License for proof of my identity. Please consider this my written authorization to conduct an investigation. I do not want to have to file a civil suit with a Consumer attorney because the bureaus refuse to do what is right by me as a consumer. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureau regarding inaccurate & unknown items on my credit report. Until this day ( 42 days ) later, I have not gotten any reply from the credit bureau regarding my dispute. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been 42 days so they should be deleted promptly. I demand that these items be deleted immediately or i will file litigation due to stress, frustration & denial of credit due to these inaccurate items on my credit report. My personal 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 2021-10-09 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I paid my account with Nordstroms off and it was closed per my request, XXXX is reporting a charge-off which is incorrect! Ive disputed the account and its been corrected on Nordstoms end but XXXX is not Displaying it correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09 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: TN

Complaint narrative:
I paid my account with XXXX  off and it was closed per my request, Transunion is reporting a charge-off which is incorrect! Ive disputed the account and its been corrected on XXXX end but Transunion is not Displaying it correctly.

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 2021-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I am a consumer, natural person, who exercised my right to grant and extend credit by using the open end consumer credit plan by way of the use for credit card of choice, being the social security card. On XX/XX/2021, I entered into a consumer credit transaction with XXXX XXXX XXXX along with the financial institution, Acura Financial Services for the purpose of obtaining the property purchased. None of the contracts provided to me had full disclosures including not disclosing that I have the right to rescind pursuant to 15 USC 1635. Therefore, I have practiced my right to rescind before the 3 day expiration after the date of consummation of the transaction and being sent to all parties involved via Certified Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Since XX/XX/2021 I have been disputing XXXX XXXX XXXX on my credit report and the ALL 3 BUREAUS have refused to open an investigation on my behalf. I have attached each letter of dispute for this account and no response from the bureaus. The Bureaus is in direct violation of the FCRA guidelines on conducting an investigation and it has been well passed the timeframe allowed to do so. I am now requesting permanent deletion. I keep excellent records and I do not want to have to file a civil suit against the bureaus with a Consumer Attorney for them being in violation of my consumer rights and them reporting inaccurate, erroneous information on my credit report. I have attached my Driver 's License and Utility Bill for proof of my identity. Please consider this my written authorization. 

Thank You

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 2021-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I.C. System INC is reporting negative information to the credit bureaus regarding a Utility Account that does not belong to me. I have not received written communication regarding the debt. I have not received telephone communication regarding the debt. I just happened to check my credit reports and noticed the derogatory information being reported. I have not had an AEP, or any Utility account for that matter, in my name in over 7 years. They are reporting a debt in the amount of {$120.00} from XX/XX/2021. This account is being reported in error and has seriously damaged my credit scores and report ratings. The negligence of I.C System INC is unacceptable and they must take full responsibility for their mistake and delete the account from all credit reporting agencies immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was a legal customer of PayPal with a business account ( XXXX XXXX ) since XXXX. I had a zero complains or disputes there. 
On XX/XX/XXXX, I've received an email stating that I can't use PayPal anymore because " a potential risk associated with account was found ''. My account with a remaining balance of {$420.00} was locked. On XX/XX/XXXX, the entire amount was withdrawn by PayPal ( Transaction ID : XXXX ). It looks like a scam andor software glitch on the PayPal side .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Since XX/XX/2021 I have been disputing XXXX XXXX XXXX on my credit report and the ALL 3 BUREAUS have refused to open an investigation on my behalf. I have attached each letter of dispute for this account and no response from the bureaus. The Bureaus is in direct violation of the FCRA guidelines on conducting an investigation and it has been well passed the timeframe allowed to do so. I am now requesting permanent deletion. I keep excellent records and I do not want to have to file a civil suit against the bureaus with a Consumer Attorney for them being in violation of my consumer rights and them reporting inaccurate, erroneous information on my credit report. I have attached my Driver 's License and Utility Bill for proof of my identity. Please consider this my written authorization. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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