vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
In XX/XX/XXXX2019 my mortgage was sold to New Rez LLC.XXXX  XXXX XXXX. XXXX   XXXX  XXXX  XXXX, PA XXXX. www.newrez.com. We had no issues for the first few months until XXXX  2019. They kept telling us our payments were stopped because XXXX  XXXX told them we had insufficient funds (NSF Fee Assessment). When we called XXXX  XXXX  to see what the issue was (we had the money in the account) they have NO record of New Rez attempting to take payment. Also, New Rez charges us $XXXX per NSF payment because they say that is what XXXX   charges them. Everyone I have spoken to at XXXX  says no that is not true. So if New Rez has millions of clients (as they say) and they are charging them all these fake fees then they are making millions by committing fraud. When I call New Rez and ask them to send me PROOF that they are charging my account they tell me to email XXXX. Why would I email someone my bank account AND routing number? What type of lender asks you to do that? Also, is the company New Rez or Shell Point? This company is SO unprofessional. They are committing fraud by charging me fake fines and my only option is to refinance my home. That is the epitome of a scam. When you XXXX  their company there are hundreds of people with the same exact problem! They should not be in business, this is NOT right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: CT

Complaint narrative:
Repeated loan offers that havent existed for people of XXXX like me for over 10 years of trying.

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 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I had a bankruptcy show up on my XXXX report that was never filed by me. I have gotten XXXX XXXX to remove this from my file. They've written me two letters and sent me my personal file showing no bankruptcy. I've provided this to XXXX  on multiple occasions, including via fax and electronically and they will not remove this blatantly false record from my credit report. XXXX   's online portal for uploading supporting documents won't work and Transunion 's online dispute function is completely broken. I need this record removed by all 3 bureaus.

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 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I had a bankruptcy show up on my XXXX report that was never filed by me. I have gotten XXXX XXXX to remove this from my file. They've written me two letters and sent me my personal file showing no bankruptcy. I've provided this to Equifax on multiple occasions, including via fax and electronically and they will not remove this blatantly false record from my credit report. XXXX  's online portal for uploading supporting documents won't work and XXXX  's online dispute function is completely broken. I need this record removed by all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I got an email from XXXX  XXXX  that there was an HARD INQUIRY on my credit report from American Express credit card that I applied for a credit card on XX/XX/2019. I DID NOT apply for an American Express credit card. It put a ding in my credit score I dont need. I contacted XXXX  which the Hard Inquiry showed up on my credit report and they said I had to contact American Express. They gave me the phone number to American Express ; however it was just a BUSY single the whole time. I tried another number to contact American Express and to talk to a human being you have to have a credit card number, I dont have an American Express Credit Card so that was no help. I want to know what information was furnished to them that whom ever applied for this credit card in my name is identity theft cause it wasnt me. I did not apply for this credit card and would like to have this HARD INQUIRY removed on my credit report. Can you please help me with this issue?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells fargo retail services has called me repeatedly. I understand that I was 14 days late but my goodness. 

They called me the following dates and times : XX/XX/19 XXXX, XXXX, XXXX and XXXX XX/XX/19 XXXX XXXX  and XXXX XX/XX/19 XXXX and 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 2019-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
- On XX/XX/2019 I sent a wire ( from the branch with teller rather than via internet banking ) from my 100 % owned company 's bank account at XXXX to my personal account at Bank Of America. 

- Bank of America froze the funds ( without even consulting me ) due to my incoming wire from XXXX that was apparently 'confirmed fraud '. 

- I contacted Bank of America to let them know the wire wasn't fraud as it was in fact sent by me from my corporate account at another bank. 

- Bank of American requested I take a notorized copy of the wire transfer receipt into a Bank of America Financial Centre ( copy attached ). I took the notorized copy in to a bank of America Financial Centre on XX/XX/2019 and was accepted by Mr. XXXX XXXX ( Tel : XXXX XXXX XXXX ) or email XXXX - I have also followed up with XXXX who have sent two confirmations to Bank of American via XXXX XXXX XXXX XXXX the Intermediary Bank ) to confirm the wire is in fact good. 

- I have called Bank of America every other day for the last month inquiring as to what has happened to my funds but have been told that nothing can be done as the wire is 'confirmed fraud '. 

- I am at a complete loss as to what to do as I have concrete proof that the wire is not fraudulent and XXXX have confirmed that the wire is good however Bank of America will not provide me with any avenue to prove this or even permit any email correspondence or phone contact with the 'Hold Harmless ' group. 

- My contact at XXXX is XXXX XXXX ( XXXX ) - I really want to avoid getting legal counsel involved as Bank of America will drain my resources to the point where I lose everything anyway. Please HELP!!!!

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 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XX/XX/2019, I try to eliminate errors in my credit report from TransUnion, XXXX, XXXX. They present certain debts which I do not recognize and according to the law I decided to dispute those accounts. I have sent a number of letters asking to verify why these accounts are being reported under my name since I don't know any of these companies. I even went directly to these companies and I ignored my letters, I never received a response from them. I let TransUnion, XXXX  and XXXX  know and they only replied that they had been verified. I ask for evidence of that and I don't answer either. I'm already tired of these companies doing what they want with humble people and damaging their credit report with false information. TransUnion, XXXX  and XXXX  show accounts that I never had with companies I don't recognize : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX. I hope you can stop this injustice.

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 2019-12-03 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: OH

Complaint narrative:
Experian -- -wrong information on my credit report that I never opened and never applied for. Was informed to send to Experian to inform them and was told to mail to them. Mailed information to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and mail keeps getting return stating unable to forward and incorrect address for expieran.attached one documentation that this is what keeps getting mailed back to me

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 2019-12-03 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT. I HAVE ABSOLUTELY NO KNOWLEDGE OF THE ACCOUNT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN THE STATE THAT IT IS IN. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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:
To Whomever This May Be Concerned : My name is XXXX XXXX XXXX. I have submitted a complaint before, but nothing has happened. First and foremost, this is not a credit repair agency. I am submitting a complaint on my behalf. No one else is doing so. XXXX, XXXX, and TransUnion have allowed an account, that I have never received notification on to be reported to my credit file that is fraudulent. This creditor whom I have never dealt with, has reported a fraudulent account to my report. I have fraud alerts and credit freezes all over my credit. I am not pleased with this and I have reached out to an attorney to sue these bureaus because they continue to allow fraudulent information to reported to my file. The creditors name is XXXX XXXX XXXX for XXXX. I have submitted numerous police reports, affidavits, and the list has gone on. Not to mention the numerous inquiries on my credit that I have repeatedly asked to be removed and they are still reflecting on 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 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CitiBank called my mothers home number instead of contacting me. I have never given them my mothers number. This happened on XX/XX/2019.

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 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XX/XX/2019, I try to eliminate errors in my credit report from XXXX, XXXX, Equifax. They present certain debts which I do not recognize and according to the law I decided to dispute those accounts. I have sent a number of letters asking to verify why these accounts are being reported under my name since I don't know any of these companies. I even went directly to these companies and I ignored my letters, I never received a response from them. I let XXXX, XXXX  and Equifax know and they only replied that they had been verified. I ask for evidence of that and I don't answer either. I'm already tired of these companies doing what they want with humble people and damaging their credit report with false information. XXXX, XXXX  and Equifax show accounts that I never had with companies I don't recognize : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX. I hope you can stop this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XX/XX/2019, I try to eliminate errors in my credit report from XXXX, Experian, XXXX. They present certain debts which I do not recognize and according to the law I decided to dispute those accounts. I have sent a number of letters asking to verify why these accounts are being reported under my name since I don't know any of these companies. I even went directly to these companies and I ignored my letters, I never received a response from them. I let XXXX, Experian and XXXX  know and they only replied that they had been verified. I ask for evidence of that and I don't answer either. I'm already tired of these companies doing what they want with humble people and damaging their credit report with false information. XXXX, Experian and XXXX  show accounts that I never had with companies I don't recognize : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX. I hope you can stop this injustice.

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 2019-12-03 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:
To Whomever This May Be Concerned : My name is XXXX XXXX XXXX. I have submitted a complaint before, but nothing has happened. First and foremost, this is not a credit repair agency. I am submitting a complaint on my behalf. No one else is doing so. Equifax, XXXX, and XXXX  have allowed an account, that I have never received notification on to be reported to my credit file that is fraudulent. This creditor whom I have never dealt with, has reported a fraudulent account to my report. I have fraud alerts and credit freezes all over my credit. I am not pleased with this and I have reached out to an attorney to sue these bureaus because they continue to allow fraudulent information to reported to my file. The creditors name is XXXX XXXX XXXX for XXXX. I have submitted numerous police reports, affidavits, and the list has gone on. Not to mention the numerous inquiries on my credit that I have repeatedly asked to be removed and they are still reflecting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: GA

Complaint narrative:
To Whomever This May Be Concerned : My name is XXXX XXXX XXXX. I have submitted a complaint before, but nothing has happened. First and foremost, this is not a credit repair agency. I am submitting a complaint on my behalf. No one else is doing so. XXXX, Experian, and XXXX have allowed an account, that I have never received notification on to be reported to my credit file that is fraudulent. This creditor whom I have never dealt with, has reported a fraudulent account to my report. I have fraud alerts and credit freezes all over my credit. I am not pleased with this and I have reached out to an attorney to sue these bureaus because they continue to allow fraudulent information to reported to my file. The creditors name is XXXX XXXX XXXX for XXXX. I have submitted numerous police reports, affidavits, and the list has gone on. Not to mention the numerous inquiries on my credit that I have repeatedly asked to be removed and they are still reflecting on 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 2019-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The interest rate on a credit card with Chase is 23.74 %. I have never been late with a payment. 

Today, XX/XX/19, I contacted the bank. The customer service person said they can't negotiate the interest rate. In response when asked who sets the rate, she said the bank does. That implies they won't, not can't. 

I am filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: VA

Complaint narrative:
In reference to your attached letter, let me know the date on which you report to Equifax to remove hard inquiry. 

Please don't mark it as duplicate as though you wrote that you WILL report masking hard inquiry, the hard inquiry is still not removed from my credit report. 

Therefore let me know the exact date when you reported to Equifax to remove the hard inquiry?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
On XX/XX/2019 I was researching the best price for a XXXX cell phone with multiple companies including XXXX, XXXX, XXXX XXXX, XXXX and XXXX. 
XXXX advertised a special price for the phone if you financed through XXXX. They directed you to fill in information to see if you would qualify for the financing and then you would be shown the " special price ''. The price was not as low as XXXX XXXX so I did not purchase the phone from XXXX. 

On XX/XX/2019 I received and email stating I now had {$4200.00} in XXXX credit through TD Bank. I contacted TD Bank and they refused to cancel this account. They said they would close the account, but would not cancel it since I had filled in information and that automatically means I am applying for the line of credit with XXXX. Apparently TD Bank will not allow a customer to find out if they will qualify for a loan/credit without actually applying for the loan/credit. TD Bank stated that this case does not fall under the Truth-In-Lending Rescission rule even though I contacted them well within the 3 business day time frame and have not received anything in writing describing this line of credit from XXXX that they claim I applied for. 

Clearly XXXX is also responsible for advertising misleading information causing customers to apply for credit without their knowledge when they believe they are only inquiring if they will qualify in order to be given the special price.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
this letters were sent most importantly due to the erroneous reporting to the 3 credits bureaus and put the highly negative impact on my personal credit report. 
1 ) XX/XX/2019 XXXX XXXX XXXX {$720.00} 2 ) XXXX XXXX XXXX {$710.00} 3 ) XXXX  XXXX  {$750.00} 4 ) XXXX  XXXX   XXXX {$1600.00}

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 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
this letters were sent most importantly due to the erroneous reporting to the 3 credits bureaus and put the highly negative impact on my personal credit report. 
1 ) XX/XX/2019 XXXX XXXX XXXX {$720.00} 2 ) XXXX XXXX XXXX {$710.00} 3 ) XXXX  XXXX {$750.00} 4 ) XXXX  XXXX   XXXX {$1600.00}

Company response to consumer: Closed with explanation