vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had just cashed my check and basically they froze 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 non-monetary relief
Consumer complaint received 2021-10-04 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: GA

Complaint narrative:
Issue : I do not authorized consent nor benefit from the alleged accounts listed in my supporting documentation. XXXX have already completed an investigation and removed the following accounts in 2020. I demand that XXXX and TransUnion follow suit and remove the following accounts.

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 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I Have been diligently contacting Equifax in order to remove a Consumer statement from my report Since XX/XX/XXXX for a month now. I have spoken to 3 different managers and 5 customer service representatives and they all say they have removed it and will be removed in 72 Hours and give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately. Last 4 digits of my Social security # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The account below : XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$100.00} This account has was disputed on XX/XX/XXXX. Today is XX/XX/XXXX. The investigation has took longer than 30 days. Acccording to FCRA investigation taking longer than 30 days means CRA has has trouble verifying the information. This acocunt needs to be removed ASAP. 

You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) You must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to DISCOVER FINANCIAL SERVICES. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: OH

Complaint narrative:
The account below : XXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX This account has was disputed on XX/XX/2021. Today is XX/XX/2021. The investigation has took longer than 30 days. Acccording to FCRA investigation taking longer than 30 days means CRA has has trouble verifying the information. This acocunt needs to be removed ASAP. 

You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) You must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if

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 2021-10-04 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: DISCOVER BANK
State: MA

Complaint narrative:
Discover Card reported a 1099 C to the Internal Revenue Service for the whole charged off balance on the account. Discover DID NOT send me a copy of the 1099 C.

Discover card should be reporting closed and a XXXX  balance as a result of issuing the 1099 C.

The 1099 C was issued XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I already filed a complaint that TD bank closed my account and never gave me the funds that were in the account which was a large amount. Approximately a litte less than {$28000.00}. TD banks respond was that they will return the funds to Sba because it came from a ppp loan.its been over a month since td bank answered my complaint and over 5 monhs total that they been holding the funds. I reached out to sba to find out if they received the funds from TD Bank and they said No.i also reached Out to td bank specifically to the Person that responded to my complaint but i Got no response at all. SO MY COMPLAINT IS THAT TD BANK Is HOLDIND {$28000.00} OF MY FUNDS FROM MY BANK ACCOUNT THAT THEY CLOSED SINCE XX/XX/2021. I AM ATTACHING THEIR RESPONSE TO MY PREVIOUS COMPLAINT RELATED TO THIS COMPLAINT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2021 I made a credit card payment to XXXX in person at their XXXX XXXX XXXX store. They sent the transaction as an electronic transfer to Bank of America referencing my check # XXXX on XX/XX/2021 which the bank paid. For some reason someone at XXXX had submitted the actual check to B of A again on XX/XX/2021. The bank paid the check again and charged me an overdraft fee ( reversed the next day after I called to complain ). The first customer service rep I talked to acknowledged that it did appear as if they had paid the same item twice, but refused to give me my money back and said it would have to be submitted to their fraud dept., which could take up to 10 days to process my refund. She said she would report it but did not. I was angry but I waited a reasonable amount of time and when nothing happened I went to my local branch. The assistant manager tried to help me but could only put me in contact with the fraud dept,, where I found out nothing had been done and I got the same run around about nothing could be done until they did an investigation ( another 10 days ). The B of A obviously made a mistake but refuses to accept any responsibility and is trying to get me to go back to XXXX ( who obviously XXXX  up too ). I don't want my money back from XXXX. B of A screwed up and should admit it and give me my money back. I can not even talk directly to XXXX as it is my wife 's account. Please try to pressure them into doing what they should already have done. Thank You 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 monetary relief
Consumer complaint received 2021-10-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has continued to violate the FCRA by continuing to refuse in deleting incorrect as well as inaccurate information from my reporting. I am not asking for another dispute or investigation, I want this inaccurate information removed from my credit, XXXX just removed this account based on the information they received from E Oscar & I know this is the same data furnisher theyre using. It is against the law to continue to report information that shouldnt be on the report.

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 2021-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want remarks removed from my Transunion because they opened another investigation without my authorization. I asked for inaccurate & incorrect information to be removed from my credit after I physically showed them what was incorrect, this was a factual dispute based on the report that they supplied & I highlighted the many errors but Transunion continues to violate the FCRA while posting a remark on my credit that lowered my score 67 points

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 2021-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I opened a Home Depot Credit Card in XX/XX/2021 with a {$1000.00} purchase. I received a bill in late XXXX or early XXXX of {$1100.00}. I paid the bill in full. I received notification of late pays shortly after paying that bill, but used the card for another purchase of about {$810.00} and paid that balance in full. I called the number on the back of the card in XXXX and a nice young man told me he could credit me {$40.00} for late fees and we found that my address was incorrect. We changed my address. I asked him since the address was wrong and i was not getting statements, could he help me remove the 30 and 60 day late from my credit report and he checked and told me he could not, but I could dispute it. He did not sound sure so I called 2 more times. Both times I spoke with young ladies who were more sure of them selves and much more abrasive. Both ladies assured me they could not change the reporting to the bureaus because they were regulated by the government and FCRA and they had to report and report accurately. I went ahead and made disputes and I was denied. After the denials I did my research and found 15 USC 1666b covers the consumer in cases where statements are not sent to consumers and late payments can not be assessed. I am now writing to Home Depot Credit Services in the hopes they will be as serious about the USC when it favors me as they are when it favors them.

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 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have no clue why my account was limited and it says Im not able to use payPal all of a sudden after literally receiving {$500.00} from a friend. This is so disgusting! While A global pandemic is happening, my money is literally being held from me and Im abruptly banned from EVER using PayPal without any sort of reason. I need my money the least, transferred to my bank. They cancelled the transfer then emailed me saying You can no longer do business with us I looked it up and they have a history doing this to people. Its so gross and absurd. They have a history of doing this same exact thing to people! I need my access back, and I need that money to be transferred. I have bills to pay and its Monday. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: KS

Complaint narrative:
Equifax has been asked to verify the accuracy of 8 accounts from XXXX XXXX XXXX on XX/XX/2021. Account XXXX XXXX has receive several documents from me over the last before XX/XX/2021 to include but not limited to Notice of Default and Opportunity to Cure where XXXX XXXX XXXX has failed to answer all doc sent by registered mail. Included in the documents they have received is Notice to Cease and Desist. At this point Both XXXX  and XXXX have removed these accounts because XXXX XXXX XXXX is one of the unscrupulous 3rd party debt collectors. Despite the Notice To Cease and Desist Equifax claims to have verified the accuracy of these 8 accounts. XXXX XXXX XXXX XXXX has violated my rights again by verifying these accounts or Equifax has not done an investigation as required by law upon request and is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a refinance with Citibank. I was attracted with a {$1000.00} discount on closing cost. I had closed on the refinance. I haven't received my {$1000.00} discount. I have asked Citibank a couple of times. I have always been told to wait.

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 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Hi : I have set my auto pay of my BOA credit card as statement balance. My Last Month 's Balance for my BOA credit card is around {$9600.00}, it is not a small number and I do not want to keep large amount of money in my chase checking account for a long time, so I choose to pay the full statement balance manually in advance from my chase checking account. But BOA auto pay submit a payment request for the same amount again. It is very insane to charge me {$9600.00} when my current balance is XXXX.

BOA auto pay is very inconvenient. It does not have option of remaining balance while other banks ' credit card has such option. If I pay manually, the auto pay will pay again. I called BOA customer service and they said they can not cancel the payment from their side when it is in pending status. I called chase and they said they can not stop the transaction without paying {$30.00} stop transaction fee. I can not find an option to stop the transaction without pay some fee. Although BOA promised me to refund me when the transaction get posted, payment statement balance twice affects my cashflow. It is like I lend money to BOA and they do not pay interests to me. I believe this is not only a problem for myself, since BOA auto pay do not provide remaining balance option, many other people have paid statement balance twice if they choose to pay manually before the date of auto pay. BOA borrows money from their user without pay any interest, which is very inreasonable. 
I will call BOA later to refund me the money after payment get posted I have two request to prevent the issue in long term : 1. BOA make it possible to cancel pending payments for their customer service team 2. BOA add remaining balance to their Auto Pay in Mobile App Thank you very much Best regards, 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 monetary relief
Consumer complaint received 2021-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
XX/XX/XXXX Issue 1 : Paypal authorized, allowed, and debited from my checking account ending in XXXX, two transactions with high balances on XX/XX/XXXX. These were allocated to pay my normal living expenses and have caused me hardship to pay my creditors. 

These do debits from my checking account were unauthorized. 

I have contacted Paypal and was told it would 10 days to investigate! These funds need to be credited immediately to my checking account ending in XXXX. 

Issue 2 : Lastly, I have a contractor building the deck to my home. I authorized Paypal to debit from my checking account ending in XXXX in the amount of {$240.00}. Paypal received these funds and have indeed been given to Paypal. Paypal has placed these funds on hold until XX/XX/XXXX, despite having received these funds. 

I contacted PayPal directly regarding both the unauthorized and the funds they are withholding from the contractor. Paypal refused to release the funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing late payments as reported in XXXX and XXXX Credit Bureaus. I have read enough to understand my rights. The Bureaus are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

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