vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1988 SS # : XXXX To Whom It May Concern, I am writing to address inaccuracies in my credit profile that have recently come to my attention. I kindly request that you promptly remove the incorrect information from my credit profile within the next thirty days. Your cooperation in rectifying this matter is greatly appreciated. 

Below, I have outlined the inaccuracies pertaining to my personal information that are currently being reported. I request that you take immediate action to rectify these errors : Name and Aliases : My legal name is XXXX XXXX XXXX. I have no other names or aliases associated with me. Please ensure that no additional names or aliases are retained or reported on my credit profile. 

Address : My current and sole address is XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX. I have no other current addresses. Please remove any other addresses from my credit profile. 

Social Security Number : I want to emphasize that you are not authorized to report my full Social Security Number on my credit report or share it with any entities. Reporting my complete Social Security Number poses a significant security risk and exposes me to potential identity theft. I request the immediate deletion of any social security numbers that your company has reported on my credit report. 

Date of Birth : My accurate date of birth is XX/XX/1988. There are no other valid Dates of Birth associated with me. Please ensure that no other dates of birth are retained or reported. 

Telephone Numbers : I have no requisite telephone numbers that need to be retained or reported. Please delete any telephone numbers associated with my credit profile. 

Employment Information : There are no employers associated with my credit profile. I request the deletion of any employers that may have been erroneously reported. 

Spouses/Roommates/Co-applicants : I have no requisite spouses, roommates, or co-applicants linked to my credit profile. Please remove any such associations. 

I thank you in advance for your prompt attention to my requests. I am aware that you have a period of thirty days to address this matter. If I do not receive updates within that timeframe, I trust that the inaccuracies will be automatically removed. 

Upon the successful removal of the inaccurate information, I kindly request that you provide me with a complete and corrected credit report, reflecting the necessary changes. Please mail this report to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Thank you for your cooperation and assistance in resolving this matter. I look forward to the timely correction of my credit profile. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit 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: Atlanticus Services Corporation
State: IL

Complaint narrative:
Good afternoon, I'm submitting this complaint againstmatch.com for the unauthorized charge to my credit card ending in XXXX. I ended my monthly subscription with XXXX on Friday XX/XX/XXXX and I've received notification that a NEW monthly charge of {$52.00} was just processed WITHOUT MY CONSENT Again, my subscription was cancelled on XX/XX/XXXX The last day of my subscription was XX/XX/XXXX My subscription cancellation confirmation number is - XXXX There are screenshots attached to this complaint My credit card company ( Fortiva ) has informed me that it would be a 90 day resolution process and I have been unable to get anyone on the phone or in an e-mail conversation at XXXX. Your assistance with this is most appreciated! 

I'm available to discuss anytime - XXXX. XXXX. XXXX THANK you! 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I was victimized by an XXXX scammer for {$960.00} in XXXX Seller used the familiar " send a dummy blank envelope '' to the same zip code as the buyer, and provide XXXX XXXX confirmation which ONLY shows delivery in a certain zip code, no actual proof of delivery, no signature. Reported fraud to SANTANDER, filed chargeback as " merchandise not received ''. Received letter days later claiming " no evidence of unauthorized transaction, matter closed ''. Clearly agent filed it wrong. Called again, spoke with supervisor who assured me they would review the initial phone call and fix. Despite being assured by agent a call back would ONLY occur after XXXX, " XXXX XXXX leaves a voicemail at XXXX AM this morning, with the lie that " the agent filed it properly '', and the " merchant proved the merchandise was delivered '' ( more horse manure ). Having previously been through this same process with XXXX, I know the next step is filing a signed paper stating NO MERCHANDISE has been received, at which time the merchant does not respond, and the money is returned. SANTANDER seems to be an absolutely shady bank which does not have the backs of it's clients.

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 2023-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ

Complaint narrative:
I discovered In XXXX of XXXX that one of my contractual monthly payments of {$2100.00} were misapplied to escrow account. I have been asking them to reverse this and correct it since then and they have failed to do so. This caused my 1098int to be in error as well. The 1098int showed I only paid {$370.00} in property taxes but in reality XXXX XXXX records show I paid in {$2500.00} which is big error. The amount misapplied over funded my escrow and this year ( XXXX ) they are claiming my escrow account was short and in the most recent Mortgage Statement they have increased my escrow by $ XXXX and are asking me to pay additional $ XXXX which is the shortage amount and my previous escrow was $ XXXX in XXXX and now its {$820.00} for XX/XX/XXXX statement. I am at this point requesting an audit of my account with Loan Servicer as they have never corrected the issues and are now demanding more monies from me. I have done some basic math for escrow and adding both of my Insurance 0f {$3600.00} and taxes of {$2500.00} give or take {$15.00} which comes to total of {$6200.00} divided by 12 equals {$510.00}. If there is a deficiency in escrow it should be calculated into future payments and not be billed all at once is the first concern, second is that my escrow account was over funded by {$2100.00} how can this be deficient. My account serviced by Rushmore Mortgage needs to be audited from XX/XX/XXXX and forward so basically last two years because of misapplication of payments. I also have been charged late fees for all of their errors and not reversing the misapplied payment. I have all of my notes every time I called in and who I spoke to and what I was told date and time stamped. Please Help as they have continued to say account is correct but yet it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank fraud department suspended my checking account # XXXX erroneously based on suspected fraud. While I appreciate reasonable efforts to keep customer deposits safe, in this case the bank made an error and has been unresponsive for two weeks, despite my repeated efforts to address this. The situation is unacceptable and has resulted in economic damages, because I do not have access to my money in the account.

For context, I recently rented out my apartment and opened this TD basic checking account for all income and expenses related to this rental unit. I deposited two certified checks provided by my tenant. One check was for the security deposit ( check # XXXX for the amount of {$3500.00} ), and the second check was for first months rent ( check # XXXX for the amount of {$3500.00} ). I deposited them on XX/XX/23 and XX/XX/23, respectively. 

Shortly thereafter, I discovered I could not access my account ( online, via the mobile banking app, or via ATM ). After several calls to customer service, I visited the bank branch located at XXXX XXXX XXXX, NY, NY XXXX and contacted my primary branch located at XXXX XXXX XXXX, NY, NY XXXX. The branch manager at XXXX XXXX XXXX, XXXX XXXX, has not been able to resolve this with the fraud department, despite her relentless efforts on my behalf. 

At this point, the bank has essentially stolen {$7000.00} from me. The bank has taken no action to remedy the situation despite the fact that I have verified my identity as the proper account holder. The two checks I deposited were also cashiers checks, certified by the tenants bank. I find the banks behavior truly unprofessional and unacceptable. 

I have been trying to solve this with TD bank directly by calling all TD bank numbers I possibly think of ( general customer service numbers, resolution help number, etc ) and by going to the branch in person, but unsuccessfully.

I need TD bank Fraud Department to release and unfreeze my account immediately. And, TD bank needs to create a live Fraud Department hotline where customers can call and ask for help. 

Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a check from my new employer of {$25000.00} on XX/XX/XXXX. Prior to that I deposited another {$5000.00} check on XX/XX/XXXX from the same maker. Chase bank then restricted my account on XX/XX/XXXX ( day the funds where supposed to be available ) because I could not provide them with a " verified phone number '' from the maker of the check. The funds where already cleared on both sides and the bank still denied releasing the funds, there is no verified number with this company as it was just established in XXXX of XXXX  and the CEO does not have a business phone number. I have offered to go into a local branch WITH THE MAKER of the check in which he could provide ANY and ALL information showing he is in fact the maker of the check however that was denied??? This seems totally unethical and extremely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: WI

Complaint narrative:
I want these inquires to be deleted because i did not authorize these companies to run my credit. This fraudulent.

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 2023-08-31 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: FL

Complaint narrative:
Company hasnt mailed requested information validating closed accounts. Under FRCA ALL INFORMATION ON A CONSUMER REPORT MUST BE ACCURATE. REMOVE CLOSED ACCOUNTS, STUDENT LOANS ACCOUNTS NOT MINE REMOVE, XXXX XXXX ACCOUNT REMOVE NOT MINE. XXXX XXXX XXXX INQUIRY REMOVE I HAVVE NEVER SIGNED ANY CONTRACTS WITH THESE COMPANIES.

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 2023-08-31 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: NC

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute an inquiry on my credit report that I do not recognize, as reported by XXXX XXXX. As a responsible consumer, I regularly review my credit reports to ensure their accuracy and to safeguard my financial reputation. Upon reviewing my recent credit report, I discovered an inquiry from XXXX XXXX dated [ Date of Inquiry ] that I have no knowledge of or any association with. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into this matter. I believe this inquiry has been reported in error and may potentially be the result of identity theft or some other form of mistaken reporting.

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 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Chime Financial Inc
State: CA

Complaint narrative:
THIS IS A FRAUD I DO NOT HAVE AN ACCOUNT WITH CHIME I DO NOT WANT TO HAVE AN ACCOUNT WITH CHIME THIS IS NOT MY PHONE NUMBER PLEASE EMAIL ME WITH ALL OF THE CORRECTIVE ACTIONS YOU HAVE UNDERTAKEN BY XX/XX/30!! 

Chime refuses to provide any information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have been attempting to get TD Bank to send me my monthly mortgage statements for over a year. I had previously been in the loss mitigation process with TD Bank, with my modification having been approved in XXXX, XXXX. Over the course of the past year, I have contacted TD Bank on numerous occasions both by phone and in writing to request that they send me my mortgage statements as required by law.

By rule of law, specifically under 12 CFR 1026.41 ( a ) ( 2 ), mortgage lenders and servicers are required to furnish billing statements to the borrower/customer. TD Bank has made myriad excuses as to their failure to provide billing statements, and continues to fail to send the statements.

I am requesting that TD Bank immediately resume the timely mailing of mortgage statements, as well as furnish all statements generated after XX/XX/XXXX. 

This is the third complaint I am forced to file against TD Bank due to their inability to adequately carry about basic functions on the loan and perform rudimentary servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit 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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In researching XXXX 's notifications of late payments, I have made numerous complaints regarding Fingerhuts charging of late payments, thus producing late fees for customers to pay. I've sent a previous billing error letter to no avail. I am attaching another one with the qualifying information of proof of my being late. If they can not answer all of my questions, to prove I was indeed late including grace periods and all, then these 2 payments they've recorded late must be revised to " OK status ''. I am a good paying customer and have a long good standing payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC closed my account and did not notify me. I receive direct deposit into this account which is used to pay my mortgage and have to wait due the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
A few months ago I filed a complaint with CFPB ( XXXX ). The complaint was received and the response returned. I had noted that the new " click-wrap '' agreement to access my account was unrealistic ( over one hundred pages to read and accept ), and the response was it had to be acknowledged before I could access my account online. Since I was not going to try to read and understand the document, nor perjure myself by clicking the box stating I read the document, my only reasonable course of action as a consumer is to close this credit card account. The company will not allow online closure of the account, and require a phone number be called. On XXXX XX/XX/2023 around XXXX Eastern , I called the number and spoke with the representative. They were sorry to hear that I was going to close the account. They forwarded me to another department to handle the closure request. I have been on hold for over an hour waiting for a customer service specialist. This is very unreasonable.

Company response to consumer: Closed with explanation