vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
I have a complaint against a XXXX XXXX at Trustmark bank, XXXX XXXXXXXX, XXXX XXXX XXXX 
I have made several attempts to reach out to her and she will not respond. XXXX, buyers agent have also reached out to her with no response. XXXX had to go to the bank to discuss their concerns. XXXX  XXXX asked buyers agent for a 45 day extension due to XXXX loan. Property is a XXXX property, which I am the listing agent for, and they refused the extension. They did agree to a XXXX week extension and charged buyer a {$500.00} fee. 
XXXX XXXX told clients agent on XX/XX/2024 she was ordering appraisal which she did not do until XX/XX/2024. 
This has costs client {$500.00}, that XXXX  XXXX should pay, it is her fault that client had to get a XXXX week extension. 
I have tasks to complete on my end to foreclosure company that XXXX cant complete due to office not responding.

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am not liable for this debt of with XXXX XXXX XXXX of {$1200.00} with Account Number : # XXXX I do not have a contract with XXXXXXXX XXXX NEVER HAD ONE they did not provide me with the original contract, purchase agreement, my wet signature and ID verification as ASKED So delete this inaccuracy from my 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 non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am not liable for this debt of with XXXX XXXX XXXX of {$1200.00} with Account Number : # XXXX I do not have a contract witXXXX XXXX XXXX NEVER HAD ONE they did not provide me with the original contract, purchase agreement, my wet signature and ID verification as ASKED So delete this inaccuracy from my 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 non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My account was closed, but I still had money in the account, the bank said they would mail my a cashiers check but it never arrived, when I call they just keep telling me to wait 10 days or they send a new check. check never arrived, my funds are missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am not liable for this debt of with XXXX XXXX XXXX of XXXX with Account Number : # XXXX I do not have a contract with XXXX XXXX XXXX  NEVER HAD ONE they did not provide me with the original contract, purchase agreement, my wet signature and ID verification as ASKED So delete this inaccuracy from my 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 non-monetary relief
Consumer complaint received 2024-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reached out to the company over 3 times asking for the removal of the inquiries from my report but haven't received any notification that they are trying to resolve this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disagree with the account listed below which still appears on my credit report even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX  XXXX XXXX Accordance with The Fair credit reporting Act Public law XXXX Title VI Section 611, Subsection A-D Please provide the names and business addresses of each individual with whom you verified the above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation

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 2024-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I never received a notification or statement on my chime banking app when allegedly I was declined of a payment on XX/XX/year> due to that my bill was never paid and now Im not able to pay my bill using my bank I only can pay in person and I have no way of getting there and I have to pay a late fee and my electricity might get turned of due to the fact the I have been allegedly declined when I called chime the agent told me ( on a record line at approximately XXXX XXXX XXXX XXXX ) That the policy is that we dont send notifications for debt transfers which was false according to the terms and conditions upon asking for more information the agent hung the phone up in my face in the middle of my conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: TX

Complaint narrative:
This Account was charged off on the following date XXXX XXXX YEAR OF FIRST CHARGE OFF. Since then, this account has been repeatedly updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

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 non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
midland credit management is harassing me I have received multiple calls from different numbers and they even falsified statements to make a fake sue claim against me and today they had some random guy come and bang on my door early in the morning screaming and yelling trying to serve me with papers this harassment is getting ridiculous and I have responded to the suit and everything yet they continue to call send emails and as well as regular mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
I paid my debt for a lower agreed upon amount using their smart negotiating tool online which allowed a lower payment if paid in one lump sum. They continue to report that I still owe {$43.00} which is the amount that was reduced since I paid as 1 lump sum.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
SoFi is closing my account because I have been compromised and all my information is on the black web and people are using my information and they say I did not go by there money agreement.this is wrong of them to do customer like this.I still have money in my account and I have a direct deposited coming in next week and it to late to try and have it transferred to another bank. They are saying that I have violation of there money agreement if my account is compromised I dont have any control of it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is a collection agency that I have no account with and is now duplicating a collection on my credit which is illegal and against the fair credit act equinox will not remove this error I have already had it removed from XXXX for this error but they say its verified correct I have no account with XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: NV

Complaint narrative:
Despite several occasions of reaching out to equal facts regarding my now, damage credit from the listing of unauthorized charges on my credit card and which several times both the bureau 's and the company were put on notice that I was in dispute with several charges that equated to nothing done to rectify. FCRA regulations compel the credit bureau to honor the rules regarding identity. Theft and remove this immediately. And derogatory claims or violation of the DCA and the FRCA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. the lnaccuracies are highly injurious to my credit score ( account name : XXXX XXXX XXXX, account number : XXXX ) in accordance with The fair credit reporting Act, public law 91-506, Title VI, section 611, subsection A-D, please provide the names and business address of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation.

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 2024-05-18 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: NV

Complaint narrative:
Despite several occasions of reaching out to equal facts regarding my now, damage credit from the listing of unauthorized charges on my credit card and which several times both the bureau 's and the company were put on notice that I was in dispute with several charges that equated to nothing done to rectify. FCRA regulations compel the credit bureau to honor the rules regarding identity. Theft and remove this immediately. And derogatory claims or violation of the DCA and the FRCA.

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle are trademarks of Early Warning Services , LLC for which I'm complaining about both companies to the Consumer Protection agency, the State Attorneys, the FTC, and every governmental institution out there can read my case/complaint. 

As part of account opening and services provided to the client, a XXXX XXXX offer customers, Zelle services XXXX These Service come within the agreement to be gargantee for the customer as part of the transfer money services and free of charge. On my most recent account opening experience and enrollment in Zelle I've noticed the company ( Zelle ) had flagged my emails ( Use within Zelle ) preventing me from even using Zelle or even changing them so I can enjoy my account services to its fullest. It was brought to my attention my account was not getting unrestricted despite severals attempts from my Bank to request the removal of the restriction to Zelle services. My Bank had told me Zelle is not un-restricting my account due to Fraud being reported on previous account ( that used those emails ) which rises so many questions. 

What does fraud report for specific transactions ( not involving Zelle XXXX has to do with my ability to use Zelle on a new Bank account? 

Why is Zelle acting as a Bank when the actual Bank is requesting the un-restricting status to my emails? 

Why is Zelle ( a paid service by the Bank ) restricting customers to use it Services when they getting paid by the Bank as a XXXX party and their services are free for the customer? 

All in all, my meals address XXXX XXXX are restricted because Zelle decided to use filters that reads consumer reports from Early Warning to weather or not decide the transaction goes through or not, a direct violation the the Bank policy, acting as a sole Bank and restricting services. 

All this information was provided by my Bank and they claiming Zelle for not allowing me to use its services within my Credit Union account DESPITE THE FACT I have Zelle in XXXX other Bank accounts I won't be disclosing here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I was XXXX. I stayed XXXX  until XX/XX/XXXX. During this time my TD bank debit card and phone which contains my PIN number was stolen presumably on XX/XX/XXXX, starting on that day funds where being stolen out of my account everyday. I was only able to shut down my card and stop these transactions when I came home but unfortunately the thief got a way with withdrawaling all XXXX $ out of my account. Within few days of this incident I filed a police report explaining to them what happened and then I collected my papers showing the dates I was XXXX  and therefore not even able to authorize these random transections. I went in to the bank, filled a claim, and provided them with the police report. Then when I tried to give the lady at the bank documents saying that I was XXXX  during the times of all these unauthorized transactions, she told me she doesnt need them an that I would receive a email and I can upload that proof there. I never even received that email to upload proof, but they still denied my claim very quick with no questions asked. I feel as if the claim dollar amount was much lower then they would have no issue resolving my claim, but due to it being a larger amount they dont want to honor my consumer rights by any means. My account was hit with overdraft fees a put in the negative after this incident and this has been affecting me mentally a lot. Its very unfair and disappointing to be let down in my hardest times by the bank I have been using for 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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 with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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 2024-05-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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, Experian, and XXXX 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 explanation
Consumer complaint received 2024-05-18 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: VA

Complaint narrative:
On XX/XX/XXXX, I noticed a charge on my account in the amount of {$2200.00}. I did not make this transaction. I contacted the XXXX XXXX instantly, and I was told there was nothing they could do and to contact my bank. I contacted my bank and filed a dispute. I was told in my dispute that it would take about XXXX  days to investigate. XXXX days later, I received an email stating that the investigation was over and I would not be granted a refund. I was confused on how this matter could be investigated in XXXX  days, and over the weekend at that, I was furious. On XX/XX/XXXX, I was advised that what I received was correct and I would not receive a credit. The only option I had was to appeal. I was told numerous times I would receive an appeal letter, but I never received anything. I called once and was placed on hold for XXXX minutes so the representative could feed his children. I dont understand why I should have to go through this or an appeal that was not thoroughly investigated. I trusted my money in the hands of Chime, and they failed me, and this is not the first time this has affected me. Now I can not get through with chime. Every time I try calling, it just gives me the run-around option to speak to anyone, and when I ask for help in my chime app, it gives me an error. I am really disappointed in how they could fail me and take this matter as a joke. My living situation has been affected, as has my mental health.

Company response to consumer: Closed with explanation