vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I'm XXXX XXXX get XXXX check every month on it for learning XXXX can't read spell I even have use XXXX on my phone to say what I need to I did a title loan through titlemax in XXXX Texas where the employee woman read things to me under my understandment I make monthly payments on my vehicle go tword my loan I had gotten at the time due to recently being diagnosed with XXXX XXXX I was told I make my payments tword my loan every month till was paid off only to find out my payment have not went tword my loan and they wanted me to pay double my amount almost XXXX dollars for being 7 days late on my payment sick with XXXX in my XXXX when I spoke to a woman from the local office I told them that XXXX dollar payment was ubsurbe considering I'm full XXXX don't get enough month they agreed by pHone allow me to make a payment on XXXX first and my car was not supposed be on repo list my car was repod last night XX/XX/2023 now saying I have pay payoff amount of XXXX when my payoff amount was XXXX now have no way getting to my XXXX or XXXX doctor Tittle max is saying they don't know where my car is or who even towed it so I can get my belongings out that contain to my oxygen I feel I am being completely tooken advantage of I have XXXX grandkids live with me as well I care for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Funds were not disbursed as promised. Chase notified me via phone call that my monies would be sent via check in the mail, since my account was mistakenly closed due to supposed fraud after I deposited a check from my employer XXXX which they later confirmed was legitimate, and in fact there was no fraud. A Chase customer representative apologized and promised my funds would be sent via check to my mailing address, yet to this day I have never received it. 

Chase Personal Checking Account was opened in XXXX. 

What really scares me is theres a huge online community of previous Chase account holders against Chase Bank. And thats not even the scary part yet. There seems to be an underlying theme that Chase Bank associates account holders with supposed fraud and closes their accounts, ultimately freezing their funds permanently not allowing the account holder access to their hard earned money. I just want my money back from this institution, and in return I will not open a lawsuit against them. They closed my account without notification, XXXX. I was in severe financial hardship. They took everything. Giving back my funds is the least they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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:
Hello. I sent letters to all 3 credit bureaus on XX/XX/2023. I asked them per the FCRA 609 clause to provide physical evidence of the accounts in question and also I provided proof of my address and asked the other incorrect addresses to be removed.I have yet to receive anything and the XXXX will be 30 days.

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 2023-05-22 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:
Hello. I sent letters to all 3 credit bureaus on XX/XX/2023. I asked them per the FCRA 609 clause to provide physical evidence of the accounts in question and also I provided proof of my address and asked the other incorrect addresses to be removed.I have yet to receive anything and the XXXX will be 30 days.

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 2023-05-22 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: NC

Complaint narrative:
Immediately delete these accounts because I asked for sufficient evidence from each company and the 15-day window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a deep XXXX as a result of this circumstance.

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 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a Truist One checking account with Truist at the beginning of XXXX, XXXX. Part of the terms of opening the account were a {$400.00} bonus for opening an account if the customer provided XXXX or more direct deposits totaling {$1000.00} within 90 days of opening. I had {$1600.00} in deposits via XXXX different direct deposits in the first XXXX  months of opening, while also maintaining a positive balance for the duration of the accounts existence. I verified with Truist after opening the account that I had used the proper promo code when signing up, and would be eligible to receive the bonus. 

At the beginning of XXXX I received a notice from Truist that I would not receive my bonus, because I did not meet all the qualification requirements of the offer. After receiving this email I verified that my direct deposits and positive account balance were more than sufficient to meet the terms set forth by Truist, and contacted them to try and resolve the issue. They received my call and told me they would open a case, but have yet to get back to me despite being past the timeline they set forth for a resolution. I have been very frustrated with the customer service provided by Truist, and feel that they are being misleading to their customers in an attempt to build their deposit base.

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-22 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: IL

Complaint narrative:
please remove the late payment remarks as soon as possible!

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ELITE FINANCIAL SERVICES INC
State: SC

Complaint narrative:
Elite Financial in XXXX, SC filed a judgement against me for an unpaid balance on car loan. I paid the judgement off on XX/XX/22 in the amount of {$1700.00}. However, they never filed a satisfaction of judgement with the county clerk and it is still showing on my credit file as a judgement. I am in the process of re-financing my home and my current lender needs something from Elite Financial that states it is paid. They are refusing to provide me that documentation and saying it is noe their responsibility to have it removed. This is impacting my closing date and affecting me financially. I have a copy of the check that was sent to them as well as a disbursement document from my previous lender if you need that. I would appreciate you helping me get this matter resolved as soon as possible. Thank you and let me know if you need further information. 

Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-22 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: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Awar Holding Inc.
State: NY

Complaint narrative:
This Company is contacting me both on my personal cell phone and at my current workplace for a business debt from another company. They call both numbers every single day. I've already informed them to stop contacting me and that they are inviolation of the CFPB and FDCPA

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
In XXXX we made a payment using a wrong account number. We notified our mortgage company and we gave them the correct account number and the payment was cancelled from the first account and taken out of the second account. In XXXX we make our monthly payments as scheduled. Then a week later we were told we didnt make a payment and the money was reversed. Our bank send the Mr cooper documents showing we never received any money back for XXXX, however XXXX went ahead and pay then again until they fix the problem. XXXX we paid, everything was resolved then in XXXX after we make our payments theyre saying we owe over {$3000.00}. And no one can give an account for our payments. Even with documentation that money never refunds back into our account they have fixed the issue. We sent the message from their department that the problem was fix and nothing. Now they want us to pay another 2 months of mortgage when we already and its unfair. We asked to speak to a manager they say 48hrs its now 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management has called me repeatedly, all times of the day, and weekends. I have asked Midland Credit Management to stop calling me but they continued to call from private and unknown numbers. I arrived home XX/XX/2023 and found a XXXX envelope on my porch and the contents contained information from Midland Credit Management threating to sue me. Prior to the delivered package, I have asked for Midland credit Management to send me a contract between them and myself; including my wet-ink signature. But they have yet to provide me the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: NJ

Complaint narrative:
According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2022 and on XX/XX/2022, two unauthorized charges were made to my credit card. The card is issued by Citibank. 
Both charges were made with a company named " XXXX XXXX ''. The charges were for {$61.00} and {$76.00}, respectively. 
After notifying the credit card company of the unauthorized charges, they sent me a response that stated the charges were authorized because the " chip '' in the credit card had been used for the transaction. 
I did not make these transactions. They are fraudulent however the credit card company has made a determination they are authorized charges. 
I did not make any purchases with the company " XXXX XXXX '', who according to their website lists them as " provides a unique blockchain-based payment infrastructure allowing for instant funding ''. 
The credit card company needs to provide me proof that the credit card chip was present for the transaction because they are stating they are not responsible for the fraudulent charges.

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 2023-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I continue to receive letters, emails and phone calls from the company Resurgent Capital Services. I don't know what this debt is for and I'm not getting clear answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
I paid off several debts over a year ago. The credit bureaus are still reporting them in a negative way. It is sayin too many delinquents, when there is no delinquents. It had caused me many denials, ans large deposits fir things. I have disputed over and over. It is emotional distress at this point.

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 2023-05-22 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: Thaxton Investment Corporation
State: GA

Complaint narrative:
I paid off several debts over a year ago. The credit bureaus are still reporting them in a negative way. It is sayin too many delinquents, when there is no delinquents. It had caused me many denials, ans large deposits fir things. I have disputed over and over. It is emotional distress at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: FL

Complaint narrative:
I have called and also sent out letters requesting to have unauthorized inquires removed. The inquiries reported on my Equifax are unauthorized and are not related to me or any lenders reported on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: OH

Complaint narrative:
I received an unsolicited credit card that I never applied for from the company called NetSpend. 

I do not know how they got my name or information. I did apply for financial assistance to pay for hospital stay and applied for XXXX though Ohio health and hope neither of these organizations would be sharing personal information.

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