vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I AM HAVING ISSUE WITH MULTIPLES OF NAME VARIATIONS APPEARING ON MY FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: CORELOGIC INC
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , WV XXXX, XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX , XXXX XXXX XXXX XXXX, OH 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 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , WV XXXX, XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I AM HAVING ISSUE WITH MULTIPLES OF NAME VARIATIONS APPEARING ON MY FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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:
As a result to a data breach at my realtors office my personal identity was compromised and misused to apply for and open up accounts without my knowledge or consent. i have taken the steps and precautions to protect myself from any further activity and damage of my personal credit file. i have a police investigation in progress locks for my credit monitoring sites that give me on time alerts and i have an identity theft 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 2019-09-04 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:
As a result to a data breach at my realtors office my personal identity was compromised and misused to apply for and open up accounts without my knowledge or consent. i have taken the steps and precautions to protect myself from any further activity and damage of my personal credit file. i have a police investigation in progress locks for my credit monitoring sites that give me on time alerts and i have an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was initially issued a credit card by mistake because for some reason they approved me for a business credit card ( I was not aware of that ). Upon receiving a card in a mail I saw on it it was stating " Spark for Business '' I went to a local branch and inquired If they made a mistake, branch manager told me " just use it ''. In XXXX of XXXX I was contacted by the bank they admitted they made a mistake however stated that I'm fully liable for a remaining balance as well as APR, since then I was really mad with them because THEY MADE A MISTAKE INITIALLY and I have to pay a price in APR. I went through struggles in my life since then, contacting the bank asking them to please give me a brake in  payments they never did moreover they did tell me if I fail a payment they will report to a credit bureau and my credit will get worse. After many complaints within their bank I was contacted by their executive team from XXXX ( XXXX ) XXXX a person 's name is XXXX Employee ID XXXX contacted on XX/XX/XXXX XXXX in the morning. 
XXXX stated : " You were not liable for this account payments since its closure ( XX/XX/XXXX ) however you still have a balance and once account is closed we don't report on it to a credit bureau '' Thus I believe Capital One Bank was extorting money from me for 1,5 years ; I've contacted OCC group however not satisfied with an outcome, these people were threatening me with my credit for such a long time and I never failed a payment, OCC made them to waive a remaining balance and remove it from my credit at all, I believe it is totally unfair to me after made so many payments on time and being APRed at 24,99 % for such a long period of time, I demand justice and all the money paid them back NOW! or otherwise I will take them to the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Contacted XXXX XXXX or XXXX XXXX company in XX/XX/2019 about the overcharge for ambulance charges higher than industry rates for a ( 4 ) miles transport to hospital emergency room. Contacted XXXX to discuss what my medical insurance company stated was the agreed plan discount amount set between XXXX XXXX XXXX and XXXX XXXX. I paid my copay cost that my insurance company said I was obligated to pay for the ambulance charges and my insurance company paid their portion of the charges due after deducting the plan discount amount calculated by XXXX XXXX XXXX. I contact XXXX XXXX or XXXX XXXX after contacting my medical health company XXXX XXXX XXXX and informed them that XXXX XXXX XXXX stated there is a plan discount adjusted for the ambulance services that health care provider determined reasonable for the service given by the ambulance company. Then I get a collection notice for the overcharges that was unreasonable as stated by XXXX XXXX XXXX, my health care provider. The ambulance company said their ambulance charges were reasonable and disagreed with XXXX XXXX XXXX calculation of the discount to their charges. Total paid by me and my health provider was {$790.00} and the ambulance company wanted {$2300.00} for their services disregarding the plan discount of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Received a letter dated XX/XX/XXXX from citicard that they have closed my account because my XXXX   membership has not been renewed. Actually it expires only on 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 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SoFi Mortgage, LLC
State: IL

Complaint narrative:
SoFi.com advertises mortgages : https : //www.sofi.comXXXX They do not offer this product, even though this page claims they do and describes the product, and invites the user to " find my rate '', which " takes two minutes ''. Clicking leads to a form to create an account, then a series of detailed forms collecting personal information, work history, etc. After that, the website prints an error message that they don't offer mortgages. After this, they send an email with the subject " First, get pre-qualified in 2 minutes. For real. '' repeating the marketing claims from the web page and specifically saying they have " Dedicated mortgage loanofficers '' who will walk you through the process " to get prequalified and take the next big step toward a loan youlllove '' I used the " Contact the CEO '' link that's at the top of every page when logged in. ( It did not go to the CEO, it went to customer service. ) They eventually emailed to say " In an effort to provide the best possible experience for our members, we've made the decision to not originate purchase transactions at this time. ''

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 2019-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I accidentally sent money to the wrong e-mail address using PayPal on XX/XX/XXXX. I have made multiple attempts to reclaim my money and still have not received {$91.00}. 
My neighbors daughter was born XXXX in XX/XX/XXXX. She had some emergency XXXX XXXX in XXXX and our friends were preparing for long term medical care at the hospital. We wanted to help out and give some money to an account their friends setup. 
I sent a {$500.00} payment ( {$91.00} from a credit on my PayPal account and {$400.00} from my credit card ). I accidentally sent money to the wrong e-mail address, missing two letters in the address. I immediately realized my mistake and called PayPal immediately, but it was after their office had closed. I tried to recall my money through my online account, but there was no option for accidentally sending to the incorrect e-mail address. I picked the option that fit the best. I called PayPal and talked to their refund department the next day and they recommended I wait to see the result of the claim. The claim was quickly denied ( XX/XX/XXXX ) and I called again. The representative submitted another claim for me with the proper details. That claim was denied on XX/XX/XXXX. I called PayPal again and the girl I talked with recommended that I file a dispute with my credit card company and said that once they refund the purchase, the entire transaction would be refunded. 
I opened a dispute with the credit card company on XXXX and they resolved the dispute and refunded {$400.00} on XXXX. I called PayPal fairly soon after that to confirm the full transaction would be refunded and they assured me the money would be automatically refunded once the dispute result was settled in Paypals system. After several weeks with no refund to my Paypal account, I called Paypal again. Paypal claimed not to have any control or ability to refund the money. The e-mail address the money was sent to returned a couple e-mails and phone calls and claim to have no control of or access to the money. He said PayPal pulled the money back as soon as the credit card company dispute investigation started. I have copies of the e-mails, bank statement, and case e-mails. 
On top of that I called one last time, XXXX and talked with XXXX at PayPal. He challenged the facts of my case and was extremely rude. 
Ive received {$400.00} refunded from the transaction only through my credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged {$630.00} on XXXX XXXX, 2019 from XXXX XXXX hotel. There coffee maker was left on and spewed water which burned me. The thermostat did not work after numerous times turning it on, and the curtains did not open. Within an hour and a half, I went to the front desk to request a refund and proceeded to make other arrangements. I submitted numerous documentation that I did not stay and proof that I attempted to contact the hotel ( emails, phone records, receipts, billing statements, etc ). I have several medical conditions from doctors that I needed a restful night of sleep. The hotel proceeded not to refund my card. I even planned a second trip and requested an invoice. The invoice shows no address and a blatant lie that I check out the following day at XXXX. I also submitted a screenshot and the url from the hotels guarantee that if I am not satisfied, I would get my money back. The hotel manager, XXXX XXXX wrote back to my bank insulting my mental condition because of all the documentation I provided ... As a valued merchant, I would hope that XXXX would be able to see this woman is not of sound mind. The hotel should not be penalized for this womans manifestations. In fact, due to the number of documents ( 153 pages ), she assessed I was clearly out of my mind. 

Citibank submitted all of my documentation to Visa via arbitration in which I believe Visa did not review. Citibank said pre-arbitration was declined. I am filing a complaint that Visa violated my medical status and sided with a business who knew of my medical condition and still continued to keep {$630.00}. I believe Visa denied my rights to a fair arbitration. 

I also requested that Citibank appeal this decision which they refuse to. The 2 people that were helping me were moved to other departments, and the new managers will not file an appeal. We need to be able to appeal a decision if the reviewer and merchant did not review any documents. In the hotel managers response, she admitted that she would not review any of the 153 pages.

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 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
Shellpoint Mortgage transferred our loan to XXXX on XX/XX/2019. Our regular payment ( via ACH ) arrived to Shellpoint on the same day. Shellpoint lost our payment. I have proof of the payment. Shellpoint will not send our payment to XXXX or refund our money. I have called Shellpoint several times and the problem has not been resolved. A similar situation happened the previous month ; our Bank sent an ACH to Shellpoint on XX/XX/2019 for our XXXX mortgage payment and it finally cleared on XX/XX/2019. I am a XXXX year old home owner with a perfect payment record. I have worked extremely hard to protect my credit rating. I have been treated unfairly by Shellpoint and feel powerless to influence them to refund the payment or send it to XXXX. Can you help?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: AL

Complaint narrative:
I have been a victim of identity theft. I have tried, on numerous occasions, to contact ProCollect, Inc. about this alleged debt they say I owe in the amount of {$1000.00}. I have asked them to provide proof ( an original signature, proof that they own the debt and that they have a legal right to collect in the state of Mississippi, etc. ) As of to date, no one has responded within the 30-day timeframe. This is a violation of my rights per the FCRA and FDCPA.

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 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica
State: CA

Complaint narrative:
on XXXX i found out some of the overdraft protection fee charging from my account first is XX/XX/XXXX XXXX dollars and other happen in XX/XX/XXXX another XXXXdollars charging from my checking account and another XXXX dollars overdraft protection fee i talk to the bank i said my saving account have enough money to cover also how come still need to charge that kind of fees i said long time ago i want to close my account your associate told me they won't charge any withdraw fee if i still have direct deposit it should be no problem but now they lie to me keep charging.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: AL

Complaint narrative:
IQ Data International is attempting to collect on a debt that I am no longer responsible. The amount of this debt is {$67.00} and this debt has been paid to the original creditor, XXXX XXXX AL. XXXX XXXX AL agreed to mark this bill as paid and to stop all collection efforts. As of today, IQ Data International is still showing on all of my credit files and they are continuing to defame my credit score, preventing me from obtaining adequate housing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: GA

Complaint narrative:
Someone opened a XXXX account under my name from an address I was no longer living at. I had reached out to XXXX to dispute the debt and was told a technician did some work outside the home and all calls were rerouted to a number I never had. XXXX rep had informed me that they will remove the charges then. The first debt collector called and threatened to have me arrested. I submitted a complaint on them with FTC.gov. Now I have another debt collector for the same issue requesting information that is impossible to get because this issue occurred more than 10 years ago. They just keep writing and updating the debt. I refuse to pay for something I did not do and would like for EOS CCA to stop contacting me for a fraudulent account that happened over 10 years ago. 

Now they are requesting a police report. The police told me to file a complaint and report identity theft on the FTC.gov website in which I did. I am not sure if the landlord who owned the home is still there. I had moved out of that residence since my vehicle accident in 2007 but still had mail go to the address until I found a stable home during that time. When calling the police station I went to, I was told there is nothing they can do. So it is impossible for me to get the information they are requesting. 

I feel this harassment for payment that is not mine and want it to stop. 
The collection company harassing me is once again EOS CCA, XXXX XXXX, XXXX, MA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCT NUMBER XXXX XXXX XXXX I am in receipt of your letter dated XX/XX/XXXX, where you state that you are reporting the validity of this account and you are absolutely WRONG! 

I have attempted on several occasions to get this matter taken care of and you refuse to provide me what I have been asking since XX/XX/XXXX and that is COPIES OF ALL SIGNED DELIVERY RECEIPTS FROM XX/XX/XXXX XX/XX/XXXX where there was acceptance of ALL furniture that was delivered and accepted. I have also requested the receipt from the Delivery Company that was contracted through XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, CA XXXX, where the items were refused for delivery that I previously listed in dated correspondence on XX/XX/XXXX and XX/XX/XXXX and not a fraudulent signature on Delivery Receipt dated XX/XX/XXXX. 

Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about the following item on my  credit report. I wish to see ALL the original sources of the information reported including, but not limited to, the original delivery receipt with my signature of refusal from the delivery company that was contracted. If you cant provide me with this information, that I have requested on several occasions, you need to remove the account immediately as neither your agency nor National Enterprise Systems can verify that they are reporting accurately. 

Once these items are removed, you need to immediately delete the account from the credit reporting agencies ( XXXX, XXXX, XXXX and XXXX ) that you have reported INACCURATE information to. 

My sole purpose is to get this item removed from my credit report files. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt. 

If your company does not receive the signed delivery receipts, and refusal delivery signed on delivery receipt, you should delete all information regarding the account from my credit files within 15 business days from the receipt of this letter, as mentioned in this agreement. 

Following the acceptance of the agreement, please prepare a letter on your company letter head unambiguously agreeing to the aforementioned terms and conditions and have it signed by your agencys authorized signatory. 

If I do not receive an approval letter within 15 days of your receipt of this letter, I will assume this matter is resolved. 


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