vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED BANKRUPTCY HAS BEEN DISMISSED AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. IT HAS BEEN CAUSING TREMENDOUS HARM TO MY CREDIT FILE AND HAS BEEN REPORTING WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVE.

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 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NAM National Arbitration and Mediation
State: NH

Complaint narrative:
I have recieved many many many robo calls from various numbers - threatening action, and that a complaint has been filed against me, a claim has been opened, contact your attorney, etc ... on my cell, home, and parents number. Never anything in writing, nothing on my credit report, never giving a company name. All calls are either fully recorded messages or what seem to be partially recorded. 
Today I recieved a call that went to the main switchboard of my work - the call/message was relayed to me by the person answering the phone at the front desk! This is a new job that I have only been at for 8 months and the only place my main work number has been updated associated to me is my online XXXX XXXX  profile, and my online XXXX XXXX profile. To me this means these sites were either hacked, or personal information is being shared/sold to unscrupulous companies. 
Even unfounded these types of calls impact my reputation at my place of employment given the harsh language and threating messages.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: TN

Complaint narrative:
I was a member of a one time XXXX XXXX challenge at a fitness center. It was advertised as needing so many members by a certain date and it would be free of charge once the several week XXXX XXXX   challenge was completed. Once I arrived I was informed I needed to pay a fee in which I did. I was unaware that after the program ended the company would falsely continue to take {$50.00} a month of my bank account through a third party Company. Once I spoke with my financial institution and contacted the third party Co ( In which there was always a recording, no live rep ) I closed the account to keep the Third Party Co. from continuously withdraw from my account that was not approved. The company had my  account info from when I had to pay the one time fee the day I attended the first visit for the XXXX XXXX   challenge. Now I'm receiving a collection notice for {$170.00} that is not owed.

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 2019-11-12 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: NY

Complaint narrative:
THE DISPUTED BANKRUPTCY HAS BEEN DISMISSED AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. IT HAS BEEN CAUSING TREMENDOUS HARM TO MY CREDIT FILE AND HAS BEEN REPORTING WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVE.

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 2019-11-12 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: NY

Complaint narrative:
THE DISPUTED BANKRUPTCY HAS BEEN DISMISSED AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. IT HAS BEEN CAUSING TREMENDOUS HARM TO MY CREDIT FILE AND HAS BEEN REPORTING WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
Please freeze my credit report and send me a pin in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NJ

Complaint narrative:
The Bureaus company is reporting to my credit report that I am in collections with XXXX XXXX. On my credit report you can see that XXXX XXXX was not in bad standing and was paid off without getting even close to collections over seven years ago. I currently have another XXXX XXXX as well, also in good standing. I tried to dispute through XXXX XXXX and they said it was legitimate even though there's no history of where it came from and I tried again with XXXX and same result. There's no history on my credit report from them besides this collections which they keep updating to being more and more recent. I asked them to provide me with a copy of the history of the account and they never sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian will not let me dispute unauthorized inquiries on my credit report. I have tried contacting the individual companies involved to request proof or a letter of deletion but have gotten no response from any of them. I tried disputing with Experian several times but they refused each time. I filed a complaint against XXXX and they investigated which led to the deletion of the unauthorized inquires. I then tried to call Experian to send them the results of the investigation so that they could remove the unauthorized inquiries as well but they refused once again.

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 2019-11-12 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: FL

Complaint narrative:
I recently re-disputed the results of a previous dispute. I am finished disputing and want to go to court with all three major credit credit bureaus. The three are siding with the creditor rather than validating an official Federal document i have provided them showing the creditor either took advantage of my accident in XXXX by continuing to debit my monthly payments for a year on the lease car i was not driving or the 3 bureaus are posting false and misleading information to the general inquiries about my report. 
I returned the lease car on XX/XX/XXXX, The proof of that statement is on the Federal odometer reading document. It states very clearly the auto was returned to the dealership on XX/XX/XXXX. why does the creditor report last activity as of XX/XX/XXXX. They either debited my account for 1 year after the car was returned without my knowledge and then realized there was a mistake and deleted it XX/XX/XXXX. Why would I want to make payments on a car for a year after I returned it in XX/XX/XXXX when I was not driving it. 

Either that or all 3 bureaus are up to there previous tactics which they paid fines up to XXXX XXXX dollars to the Federal Courts in several states for providing false and misleading information regarding individual credit reports about thousand and thousands of individuals like myself. I was at there mercy then and still am. Now I am tired of dealing with them and my Attorney would like to see all 3 in a XXXX County courtroom in front of a judge to check the accuracy of there reporting. I have called them and I have emailed them and they will not provide me with a name, address, city and state to have them summoned to go to court I guess since Im not a creditor that pays the bureau to provide information whether it is correct or not means the the bureaus that are being paid will present the information whether or not it is correct I want to get this settled once and for all and then publicize the results and let other people know how they are getting ripped off by the 3 agencies XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have always made my payment on the XXXX of the month. ( I keep track of my payments in a calendar set aside just for bills. ) I always go right to the Capital One website to make my credit card payment. In XXXX, I went to the website to make my monthly payment. I discovered that my due date had been changed! What!! I had not been notified of this change. I called Capital One. They made an adjustment to my account. Taking back the late fee, for not having made my payment on the XXXX of the month! I told them, that I did NOT want my due date changed, it has worked for me for as long as I have had the card. The woman I spoke to, said, its the new program and I can not have my payment due date on the XXXX, but I can have the XXXX. I said, okay. I will make that work. 
Along comes XXXX, and what happens once again?! Yes, the due date was the XXXX!! And yes, I got yet, another late fee! I called and went around and around in circles. I was on the phone for at least 45 minutes. Speaking with a supervisor as well. My minimum has been, I'm not sure. Usually around {$35.00} I think. I usually pay {$40.00} or {$50.00} a month. Now this month, XXXX, my minimum due is {$130.00}! What!! The supervisor could not tell me why. Even if it was the minimum due and the late fee, it would only be {$84.00}. But, I don't feel that I should have to pay ANY late fee. I was never notified that my due date was changing, then calling, I was told it was changing to the XXXX. Isn't there something that says we as consumers, should be notified that a due date is being changed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I was notified by my current Mortgage Servicer XXXX that my service provider was changing to Shellpoint. I received the notice from XXXX, understood everything. Received a letter from Shellpoint with instructions on what to do and when. All seemed well until I went to register as directed@shellpointmtg.com. I entered my information and received an email from another company. One that was not disclosed at all in the instructions.That company was called NewRez. There is no mention of this company. I called Shellpoint to confirm this was an affiliate and they confirmed it was. I find it deceptive to not disclose who does what on this loan. So what does Shellpoint do and what does NewRez do. I found when I called in they offered my loan number and my name with out any security verification. I guess calling from my phone and giving the last 4 of my account was good enough? Is it not required for all whom are servicing my mortgage to disclose contact info and what it is that they do? Seems a bit unfair for the consumer to have to guess or hope they are related to the same mortgage service provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: CA

Complaint narrative:
In XX/XX/2019, a new credit line appeared on my Equifax credit report. Note : it does not show up on XXXX XXXX or XXXX. The credit line is XXXX  XXXX XXXX. I have never owned any cards from this bank. The report also shows that I have been associated to addresses out of California and Washington. It seems that my account is mistakenly merged with someone else. 

I tried to call and using the online website to fix this error. However, since my info is merged with someone else, I can not pass the verification process where they ask me facts that apparently belong to someone else and not known by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC
State: OR

Complaint narrative:
Reliant Capital Solutions has repeated contacted me attempting to collect an alleged outstanding balance with XXXX XXXX XXXX XXXX XXXX  XXXX, where I was a student in XX/XX/XXXX-XX/XX/XXXX. I had resolved my balance with the school ~15 years ago. When I first received communication from Reliant about this, I requested proof of this outstanding balance. I requested a signed and notarized document provided by the school 's accounting department within the last 6 months. They only responded with an unsigned, unnotorized statement from the school dated XX/XX/XXXX, pre-dating my resolution of that outstanding balance. They have refused to take any steps to provide more legitimate proof of this debt and continue to contact me despite my formal request to them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I sent money to XXXX through Money Gram and they told me they had a technical issue and refused to give me my money back. I sent the money on XXXX and they keep telling me that its a technical issue and it will be resolved in 2 days. Today is XX/XX/11 and there is no end in sight. Money Gram refuses to give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
Hello I checked my balance with the teller twice during the week that the NSF fees are charged to me. I asked her if there were any outstanding balance due. 
She said that there were none. 
The next day or two charges for insificent funds began to be charged to my account. 
I went to the bank and spoke with the manager on the first day of the charges accruing and she said that this was not something that the branch handles. However, on the paperwork that First Hawaiian Bank sent me the bank states that I can go to any branch and they will tell me what my balance is. I called the XXXX XXXX Hawaii branch and they told me to give them my phone number and they will call me back. No one called me back. First Hawaiian Bank was not forthcoming with the outstanding balance and then added the charges for the insificent funds. 
First Hawaiian Bank had me sign up for overdraft protection plan for checking account and then told me that if I didn't want to get charged for the overdraft fee I will have to opt out of the program that they told me to sign up for to avoid this matter. When I went to the bank to see what happened, the teller told me that I should have read the fine print.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently re-disputed the results of a previous dispute. I am finished disputing and want to go to court with all three major credit credit bureaus. The three are siding with the creditor rather than validating an official Federal document i have provided them showing the creditor either took advantage of my accident in XXXX by continuing to debit my monthly payments for a year on the lease car i was not driving or the 3 bureaus are posting false and misleading information to the general inquiries about my report. 
I returned the lease car on XX/XX/XXXX, The proof of that statement is on the Federal odometer reading document. It states very clearly the auto was returned to the dealership on XX/XX/XXXX. why does the creditor report last activity as of XX/XX/XXXX. They either debited my account for 1 year after the car was returned without my knowledge and then realized there was a mistake and deleted it XX/XX/XXXX. Why would I want to make payments on a car for a year after I returned it in XX/XX/XXXX when I was not driving it. 

Either that or all 3 bureaus are up to there previous tactics which they paid fines up to XXXX XXXX dollars to the Federal Courts in several states for providing false and misleading information regarding individual credit reports about thousand and thousands of individuals like myself. I was at there mercy then and still am. Now I am tired of dealing with them and my Attorney would like to see all 3 in a XXXX County courtroom in front of a judge to check the accuracy of there reporting. I have called them and I have emailed them and they will not provide me with a name, address, city and state to have them summoned to go to court I guess since Im not a creditor that pays the bureau to provide information whether it is correct or not means the the bureaus that are being paid will present the information whether or not it is correct I want to get this settled once and for all and then publicize the results and let other people know how they are getting ripped off by the 3 agencies 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 2019-11-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank is my home equity loan, open line of credit. This loan I have had for over 14 years. Within the recent years, PNC has misapplied payments on my account. I have complained so many times and still not resolved. I have notice while going over statements recently they added 6 months to my loan and added money to my balance. The reason I'm contacting you is because I can't trust this bank with anything they tell me. I have been lied to going back to XX/XX/2018. My complaint I contacted corporate. They took my information. I was told someone would call me back today. I was contacted from PNC ( XXXX XXXX # XXXX. XXXX promised me so much. She said not to worry that they have been changing computer data.A computer conversion. She said she had many customers with the same problem. The new system didn't transfer everything correct. She said it was applying payments to princable and not monthly payments. XXXX promised the account would be fixed. I also requested while talking to XXXX if I could change my bill due date. She said she would do that also. while this was going on I explained to XXXX that they where holding up the process for me to refinance my loan for work I wanted done to my home. She had another person contact me ( XXXX XXXX. ) Spoke to XXXX XX/XX/2018, I called to make a payment And just was told I was in default on my loan. I now have been dealing with XXXX XXXX. She said I can't make any payments until I pay full balance owed. I don't owe what they say I owe. I shouldn't be past due. XXXX won't send me anything on how my payments have been applied. She said she needs all my bank statements where my payment comes out of my checking acct. She said she needs check copies. They aren't telling me what month is due. I just went over my statements and see they added 5 loan pmts to my loan. Also they added money to my balance. I included the documents. I have two accounts with this conversation being done. I need to know what months on my loan are not paid. I'm so scared because I have been dealing with XXXX from XXXX. I was waiting on The Federal Reserve to help me. I was told they don't deal with PNC complaints. I need to contact you at CFPB. Please help me because they said I can't pay my monthly payment until past due paid. I shouldn't be past due.

Company response to consumer: Closed with explanation