vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was lured into opening a store credit card account for NORDSTROM RACK due to some ongoing offers but never sent me the card. Later they charged for late payment and I paid everything off immediately. In that conversation, the representative was very rude and kept blaming me for their mistakes. When asked to allow me to talk to a manager, they responded, " We don't have a manager and we will note your complaint ''. Hence I asked them to immediately close my account. After three months I received a call saying that I was left with an amount of 2 dollars and I had to pay interest and late payment charges, I explained the whole issue, and she apologized and said I would close the account again and file a complaint. Again I was made aware that no manager can look after this issue. After 3-4 months I again received a call from them to pay off some small amount pending on my account and interest for it. I have recorded this conversation where they lightly said we will close the account and I am sorry for the inconvenience. I had never made a late payment in all my credit payments and due to this mishap, my credit score has dropped substantially which is also affecting me in my further financial endeavours. Kindly look into this issue and help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: Chime Financial Inc
State: KY

Complaint narrative:
This complaint is in reference to Chime Bank improperly or not conducting investigations related to fraudulent charges. 

On XX/XX/XXXX, I received notifications from the Chime banking account that my bank card was charged twice ( total {$520.00} ) for XXXX XXXX charges. Because I had not initiated any charges, I turned off ability to charge my debit card through the banking app and immediately contacted Chime customer service. I initiated a dispute through Chime and was issued a new banking card. At the same time, I contacted XXXX XXXX to open a fraud case because while my banking account was charged, there were no purchases attached to my ticket master account, proving the charge was fraudulent. I was initially issued a refund from Chime at about 3 days. As a result, I later called and closed my ticket master case. Approximately 30 days later, I received a notification from Chime Bank stating they had conducted an investigation and determined there was no wrongful withdrawal. I contacted Chime back to reopen the dispute and as they suggested, requested documentation of the investigation. Have attempted to request documentation of the " investigation '' at least 3 times in 20 days. I have never received the documentation. I reopened the dispute XXXX additional times and was provided the same information. On, XX/XX/XXXX, I contacted XXXX XXXX again to reopen the fraud claim. On XX/XX/XXXX, XXXX contacted me acknowledging that there was indeed fraudulent activity and initiated my refund. Regardless of information I provided to chime which included details that my personal information was exposed in an XXXX breach and copies of the XXXX XXXX  account charges which showed no charges on the date in question, the refused my refund AND would provide no details related to their investigation except to state that they conducted XXXX despite my request for documentation on XXXX separate occasions. 

I have since had to dispute another charge with Chime and receive a new card in less than 45 days time. Because I am concerned that I receive inadequate responses I have no choice but to close my Chime account. Upon researching I saw news that the bank has not been refunding accounts when closed and have resorted to transferring large sums to other banks before I can close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: FL

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.

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 a 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 informationisinaccurate.

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 2024-05-26 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:
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.

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 a 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern I XXXX XXXX seem be having a problem with Equifax report inaccurate or wrong information on my credit report I have a collection account fair collections & outsourcing {$5000.00} thats been off my credit report for months and now on XX/XX/XXXX th 2024 it magically reappeared on my account this unfair debt practices and needs to be removed back off my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
On XX/XX/2024 I purchased XXXX {$200.00} XXXX virtual gift cards from XXXX ( Blackhawk Network ). I activated these cards in my online account at myprepaidcenter.com using my usual profile/account under my email address ( XXXX ). Shortly thereafter, my account was locked and I have since been unable to access the account in order to view the card details in order to make purchases with the cards. This effectively means that {$2400.00} in funds have been locked for over 2 months. I request that my account is unlocked, all cards are unlocked and all card numbers are presented to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Had an insurance policy with XXXX for XXXX of my vehicles. I sold the vehicle and paid for that months use of the vehicle already. Called and closed out the account with a representative the day of vehicle being sold. Account closed and no amount due. Got a new car and new policy with a different insurance for better rates. XXXX reported late payments for next months amount when my account was already closed out. Called and said I already paid for the month the car was on the insurance for there should be no more amount due. Representative told me will get it fixed on there end so never paid and they never got it fixed so debt went off to a collection company and is hurting credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-05-26 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: NV

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.

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 a 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 informationisinaccurate.

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 2024-05-26 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: NV

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.

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 a 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For months I havent been able to get my credit report or score dispute any information thru transunion for years and I have tried to resolve the issue directly with the company to no avail nothing has happened this is a big inconvenience to me being a consumer not being able to access my credit report, when I login into transunion to view report it gives a error message saying your report isnt available online at this time please call this has been going on for years

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 2024-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-05-26 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I am writing to formally lodge a complaint against SPS Mortgage concerning recent issues with force-placed hazard insurance on my property and ongoing harassment. 

Despite having continuous hazard insurance coverage through XXXX XXXX, Policy Number # # # #, since XX/XX/XXXX, SPS Mortgage has repeatedly attempted to impose additional insurance charges. In response to SPS 's letter dated XX/XX/XXXX, XXXX XXXX provided all necessary documentation to both SPS and my former bankruptcy attorney, demonstrating my consistent hazard insurance coverage since XXXX. SPS acknowledged this and removed the force-placed insurance fee XX/XX/XXXX. 

However, XXXX actions have been detrimental to my financial stability. In XXXX, I was forced to file for bankruptcy due to XXXX refusal to assist with mortgage loan modifications during a period of financial hardship caused by job loss. Despite assurances of reviewing documents and providing home retention alternatives, SPS proceeded with appraisals and issued foreclosure intent letters, which contributed to the bankruptcy filing. SPS continues to us descriptive and fraudulent practice XXXX. 

In XX/XX/XXXX, SPS again attempted to force-place hazard insurance, despite my ongoing coverage and a " tax escrow '' account. My current insurance with XXXX XXXX remains active. This unnecessary action by SPS has added approx {$3700.00} annually to my payments, increasing my XXXX bill by approximately {$250.00}, even though my bankruptcy case was voluntarily dismissed in XX/XX/XXXX. Additionally, SPS continues to harass me by listing my home on websites such as XXXX, despite all payments being current and up to date. 

SPS has not provided any written notification requiring me to obtain duplicate hazard insurance, nor have I been informed of any lack of proof of coverage that would justify this charge. If SPS requires additional hazard insurance, I request that this requirement be communicated in writing, along with a detailed breakdown of associated fees, the insurance company that would provide the coverage, and the rationale behind needing duplicate forced hazard insurance. 

Furthermore, I am also concerned about the actions of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, which have violated my civil liberties and First Amendment rights. 

I urge the CFPB to investigate this matter promptly and ensure that SPS Mortgage rectifies these issues to prevent further confusion and financial strain. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: CA

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.

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 a 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 informationisinaccurate.

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