vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
please remove these unathorized/ fraudulent credit inquires XXXX XXXX-XXXX XX/XX/XXXX XXXX, XXXX XXXX-XXXX   XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2020-03-14 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to any of my numerous requests to investigate, verify and remove accounts from my credit report/file that were opened fraudulently.

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 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On the 2 following dates XX/XX/2020 and XX/XX/2020 I wrote Equifax and requested that an investigation be made into the inquiry for XXXX. To date, I have not received a reply from them or any acknowledgment that an investigation has begun and/or what were their investigative methods. 

They also Have numerous wrong addresses which I also asked them to remove that still show on the credit report. this is my 3rd letter to them and this is why I am including the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WINNPOINTE CORPORATION
State: CA

Complaint narrative:
Hello, Please advise me re : Difference in Closing Cost at Loan Estimate and Closing Disclosure ( for Mortgage Refinance 15 year fixed, no cash out ) XX/XX/2020 XXXX XXXX Loan Officer at Winnpointe Corporation, dba Interactive Mortgage had me e-sign a Loan Estimate with closing cost of {$140.00} which is what she promised verbally over the phone. 
My payoff for current mortgage was Loan amount is {$250000.00} Loan estimate specifies that Lender would give me credit of {$1000.00}, thus I only had to come in with {$140.00} and {$490.00} ( both supposedly for prepaid interest ) would be paid from my loan amount. 

XXXX XXXX Notary public came to my house and had me sign Closing Disclosure that said I need to wire {$1200.00} for closing costs but there is no breakdown for said amount and {$420.00} for interest ( XX/XX/2020 to XX/XX/2020 ). I went ahead and signed thinking oh XXXX said whatever extra will be sent back to me. 

XX/XX/2020 I get a call from XXXX  of same company and an email I have to wire {$1900.00} and submit documents that I had already submitted on their portal OR my rate expires at the end of the day. I replied in email asking for a breakdown of the {$1900.00} but did not get an explanation. 

XXXX XXXX I get a message and an email from XXXX XXXX asking me to wire funds and submit documents ( that I had already submitted early in the process of refinancing ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
EQUIFAX HAS NOT UPDATED MY CREDIT REPORT SINCE XX/XX/2019. I HAVE NOTIFIED EQUIFAX ABOUT THIS PROBLEM, BUT EQUIFAX HAS IGNORED ME. 
THIS IS A SERIOUS PROBLEM FOR ME SINCE MY CREDIT UNION USES EQUIFAX EXCLUSIVELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WA

Complaint narrative:
Enhanced Recovery Co, reported address XXXX XXXX XXXX XXXX FL XXXX, phone # XXXX reported a debt owed of {$2400.00} from XXXX XXXX. I attempted to contact the number provided and it is not in service. 

I have not had an XXXX account in over 7 years, and it was paid in full. I have never been contacted by XXXX or Enhanced Recovery Co regarding this debt. It suddenly appeared on my credit report in XX/XX/2020. 

I attempted to contact the company with a number I located on XXXX search on XX/XX/XXXX at XXXXPST. I was told that I had to provide my entire social security number in order to pull up my file. I am not comfortable providing my social to a company who I have no idea their interest or intent. The company does NOT list an account or reference number on the file in order to discuss the account without giving my personal data I contacted XXXX on XX/XX/XXXX at XXXX PST and they advised via my social security number that I do not have any associated debt with their organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
please remove these unathorized/ fraudulent credit inquires XXXX XXXX-XXXX XX/XX/XXXX XXXX, XXXX XXXX-XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/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 2020-03-14 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: CA

Complaint narrative:
please remove these unathorized/ fraudulent credit inquires XXXX XXXX-XXXX  XX/XX/XXXX XXXX, XXXX XXXX-XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan was transferred from XXXX XXXX to Shell Point. The current balance reflecting is inaccurate. Im about 4 months behind, their stating 5 months. A payment made in XX/XX/2020 wasnt applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
Nissan Motor Finance continues to report " late '' payments and a balance after the debt was discharged through my husband 's bankruptcy which was discharged XX/XX/18. XXXX. 

This information has been repeatedly disputed via the credit reporting agencies to no avail. 

This reporting is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I Have A XXXX Dollar check and my Bank Will Not let me cash it reasonably Executive Member even stated he would not Cash the check by mail Either and Would not allow me to cash my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX out sourced our loan to Shell point mortgage co. and this servicing company is now telling us that we must give them an additional {$850.00} this year as an additional cushion for them just in case taxes or insurance goes up. We were told a mortgage officer that this is illegal. Shell point is now taking an additional {$120.00} monthly on top of our monthly mortgage and escrow payment. We asked them why and we were told, " because we can ''. XXXX mortgage never did this to us. With XXXX, if our insurance or taxes went up, our monthly statement reflected this. They are only allowed to collect a rise in taxes and insurance spread throughout the year, but shell point wants us to add money for them to play with. When we refinanced with XXXX ( making home affordable program ) We were given a figure that was tight, but we could afford, now with this extra {$120.00} monthly, we will lose our home. We did not have any say about the this out sourcing and, someone from XXXX slipped and said they sold our mortgage to shell point, but we do not believe this is true! We need help sorting this all out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: NV

Complaint narrative:
I see multiple account reflecting on my credit report that I did not authorize

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 2020-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit report is showing in error that the XXXX Credit Card payment was 30 days late and is past due {$150.00}. This is not true. It states a payment was made XX/XX/XXXX. This is not the correct date. Also, the account is not past due. There is also an incorrect balance being reported.

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 2020-03-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit report is showing in error that the XXXX Credit Card payment was 30 days late and is past due {$150.00}. This is not true. It states a payment was made XX/XX/XXXX. This is not the correct date. Also, the account is not past due. There is also an incorrect balance being reported.

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 2020-03-15 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: NV

Complaint narrative:
I see multiple account reflecting on my credit report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I see multiple account reflecting on my credit report that I did not authorize

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 2020-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo is illegally releasing customer information to the North Carolina Department of Social Services by selling access to customer account information through an automated system on a daily basis, Customer account holders are not granting permission to have their data released to the North Carolina Department of Social Services. This is a violation of Graham Leach Bliley Act, NC State Statutes and Wells Fargo Data Privacy Policy. DSS then has cart blanche access to customer account information. Wells Fargo has repeatedly denied this issue by saying they have not released account information. I have documented confirmation from an employee at the North Carolina Department of Social Services that this is happening. They even offered to allow me to come in to the Department and see the system for myself. Employees illegally accessed my mother 's accounts without my mother 's permission or my permission as her Power of Attorney. Wells Fargo did this to my mother in XXXX and most recently in XX/XX/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 2020-03-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 and XXXX XXXX / 2020, I wrote to Experian requesting an investigation into items that were Unauthorized by this writer. And asked to investigate and provide their method of investigation. To date, I have not received a reply from Experian or any other acknowledgment that an investigation has begun. 

Please see my reasons to dispute below : unauthorized inquiries made : 1. XXXX XXXX  XXXX - XX/XX/2020 2. XXXX XXXX XXXX - XX/XX/2020 I am about to send a 3rd letter. and decided it we best to notify the CFPB

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 2020-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
They are reporting my account past due, when is in fact current. I made a payment on XX/XX/20 for {$210.00}. I was advised by the representative that this payment would be updated on my credit bureau report on XX/XX/20. That did not happen and they are reporting the account as past due.

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 2020-03-15 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
They are reporting my account past due, when is in fact current. I made a payment on XX/XX/20 for {$210.00}. I was advised by the representative that this payment would be updated on my credit bureau report on XX/XX/20. That did not happen and they are reporting the account as past due.

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 2020-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Incident Description I received a phone call that the XXXX people pretended to be national government. They have all the information on my XXXX XXXX ID card and my passport as well. They also know my address and phone number. They said I was involved in criminal activity and they need to investigate my fund. I made two international wire transfer from Bank of America to XXXX  XXXX XXXX XXXX XXXX. I made XXXX dollars on XX/XX/XXXX and XXXX on XX/XX/XXXX. I contacted bank of America and their department of wire transfer was closed and they have not tried to recall the tranfer yet. I tried to contact bank of XXXX XXXX XXXX and they said that they can not provide any client information to me. I tried to explain fraud and they said will wait for police action. I tried to contact XXXX police and they only told me to file an online report and the waiting time is not guaranteed. I contacted XXXX and XXXX mainland police and they made me to contact back to XXXX police. Two banks also told me to call the other bank and I was in the loop.

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 2020-03-15 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:
Whom It May Concern : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$16000.00} Reported balance Highest balance {$21000.00} OVERVIEW Highest balance {$21000.00} Monthly payment {$650.00} 0pened XX/XX/XXXX XXXX  XXXX  XXXX Status Open. {$1200.00} past due as of XX/XX/XXXX. 
Account Type Rental Balance {$2200.00} Date Opened XX/XX/XXXX In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. Please evidence proof of the alleged debt, including the alleged c
ontract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2020-03-15 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: GA

Complaint narrative:
Whom It May Concern : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$16000.00} Reported balance Highest balance {$21000.00} OVERVIEW Highest balance {$21000.00} Monthly payment {$650.00} 0pened XX/XX/XXXX XXXX XXXX XXXX Status Open. {$1200.00} past due as of XX/XX/XXXX. 
Account Type Rental Balance {$2200.00} Date Opened XX/XX/XXXX In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation