vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
All three major credit bureaus have illegally hoarded my personal information without this Consumer 's expressed written consent especially XXXX as all of my personal information was compromised in their breach. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumer 's personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a  host of others.

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 2017-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
All three major credit bureaus have illegally hoarded my personal information without this Consumer 's expressed written consent especially XXXX as all of my personal information was compromised in their breach. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumer 's personal information to make trillions of dollars by selling it to  various debt collectors, employers, financial institutions, and a host of others.

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 2017-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a checking account with CitiBank 1.5 years ago. They immediately started charging me {$30.00} fees every month. I was n't aware that the fees were being charged on my account because I could n't log in online. I called in multiple times complaining about it and they could n't figure out what was wrong. Each time I would ask to make sure there are n't any fees on my account and they told me there were n't ( they LIED ). 

After a year of this, they finally managed to fix my " online profile '' so that I could actually log in and see my account. I discovered {$300.00} in fees charged. I called in to their support center and they waived 4 out of 10 of them. I asked for the rest of them to get refunded and I 've been stuck in a game of phone tag for 2 months now. The phone center sends me to the branch, the branch sends me to the phone center. Additionally, the branch is only open for a few hours a day and on west-coast time ( I 'm in XXXX  ). I finally got the branch to refund an additional 3 fees but the money never showed up in my bank account. I called the phone center again and they have no notes of it ... 

Today I tried to shut down my account entirely but they told me that if I do that then I definitely wo n't get any of my money back.

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 2017-10-01 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: NC

Complaint narrative:
I started receiving e-mails from XXXX XXXX and XXXX XXXX   on XX/XX/XXXX that changes had been made to my profile information. When I signed into my accounts the address, phone and e-mail had all been changed. I have checked all of my profiles and found that they have also done this to my XXXX card, and XXXX XXXX, XXXX, XXXX and TransUnion account. I have called all of the affected credit card companies to report the fraud and cancel the cards. I have reported the fraudulent information to XXXX and they have deleted all errors. I can not reach XXXX or TansUnion by internet or phone. I have attached a list of all the accounts that were affected. I also took screen shots of the accounts that they had changed my profile in. I will attach some of those as well. 

There have been many attempts to open credit cards and loans using my identity and twice they have gone into XXXX to change my address. This address also shows under my addresses listed on XXXX and TransUnion. I have attached a list of all the accounts that they tried to open. 

I believe my identity theft is due to the XXXX Breach. Although my first indication that something was wrong was onXX/XX/XXXX, the first fraudulent attempt to open an installment loan was through XXXX XXXX XXXX on XX/XX/XXXX. 

I have created an identitytheft.gov account. My FTC Report Number is XXXX. I am not attaching that report because it has personal information on it. 

I have placed a 90 day fraud alert at all Bureaus. I have placed a freeze on my account with XXXX. I can not access my TransUnion account due to tampering therefore I can not freeze that Bureau. I can not access XXXX by phone or on-line to freeze that Bureau. I have called and spoken to someone at XXXX whose sole purpose is to tell you to go to http : XXXX. I had done that when the breach was announced and then tried to enroll on the dated given to me ofXX/XX/XXXX. On XX/XX/XXXX, I received my e-mail to access the XXXX XXXX Account, but I receive a Credit Lock Status Error. 

I have reported my identity theft to the XXXX, NC Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX. I have reported my identity theft to the XXXX, CO Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX ext # XXXX. 

The fraudulent address, phone and e-mail are : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXXXXXX This is an e-mail account that I never created

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 2017-10-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: NY

Complaint narrative:
After filing a complaint with the CFPB, I finally received a detailed letter from Macys through XXXX XXXX. As the attached letter shows, I am even more confused about the propriety of the alleged credit card balance that Macys claims to be due. Macys acknowledges account errors of many sorts. 

I am willing to pay whatever I owe but I would like specific proof by way of signed receipt so I can confirm exactly what I bought that constitutes the amount claimed to be owed. If it is valid I will write an immediate check. 

Based on XXXX XXXX 's letter, and through no fault of hers, I have no confidence in Macys ' account record-keeping. Thank you.

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 2017-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I am a XXXX combat veteran and on XXXX XXXX, XXXX I purchased two Western Union money orders At the XXXX XXXX in XXXX, GA. to pay my rent. One was for & XXXX and one was for {$550.00}. I mailed them that day at the US Post Office in XXXX, GA. My landlord telephoned me two weeks later to tell me he never received the letter with the money orders. I called the Western Union customer service number to immediately stop payment but the customer service number is strictly an automated system with no recourse to speak to a live person about dealing with the immediate situation. I was desperate to stop payment on the money orders as they were either lost or stolen. The automated instructions were to filed a Money Order Customer Request which takes six to eight weeks. I sought the help of a consumer help advocate in XXXX who dug up a Western Union fraud phone number But when I called them the person said there was nothing they could do to stop payment and I would have to fill out the form and wait up to eight weeks for payment to be stopped on the lost or stolen money orders. only then would a stop payment be issued and only if the money orders had not been cashed. If someone had stolen them and cashed them then I wold have to file a report with the local police to try and get my money back. I tried to explain that I am a XXXX XXXX from combat XXXX and live on a small medical stipend and that I could lose my rental house if I did not pay soon. The person said sorry and hung up on me. On XXXX XXXX I faxed and sent a " Money Order Customer Request '' for to Western Union. This was the worst case of " no '' customer service I have evr experience. There was absolutely no compassion or desire to help and most shockingly, no concern about the fraud of the stolen or lost money order. They already had my money and now it was my problem. How can this company operate in the US without some accountability to the public? 
Thanks for any help you can give. I am frustrated that there is nothing else I can do from my side. I may lose my place to live if I can not resoleve this quckly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received a letter on XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX regarding a debt collection. Sent XXXX XXXX XXXX XXXX a letter on XXXX/XXXX/XXXX requesting their Texas Surety Bond information and debt validation pursuant to Texas Finance Code Section 392.202. XXXX XXXX XXXX XXXX responded on XXXX/XXXX/XXXX with account statements from the original creditor but failed to provide their Texas Surety Bond per Section 392.101 of the Texas Finance Code and other documents required by Texas Finance Code Section 392.202. 

Regardless of the validation requirement not being met, XXXX XXXX XXXX has violated Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

Texas law considers a debt collector as any person who regularly attempts to collect debts owed to themselves or others. 

Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice.
Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402.

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 2017-10-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been getting the run around from Equifax regarding inquiries. Equifax has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number XXXX close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Equifax a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the 6 inquires : 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, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: NJ

Complaint narrative:
i had medical bills sent directly to collections and reported on all three reporting agencies. Not only did i dispute with the collections agency, they refused to acknowledge the illegality of sending a XXXX insured a bill, let alone report derogatory remarks to credit reporting agencies. They refused to identify the provider so XXXX can file a formal complaint. The hospital had no information. 
My dispute with XXXX and XXXX resulted in the deletion of the derogatory marks, and classified it as fraudulent charges unsubstantiated by the collection agency. 
My dispute with Experian was denied. The collection was determined valid, and updated immediately. 
Inconceivable. And they want documents if i can demonstrate the accuracy of my dispute! I do n't have documents. I never received a bill, i do n't know the practice or physician. There are 2 separate derogatory marks, submitted to collection on the same day i went to urgent care. 
The balance billing of a XXXX insured is illegal, and i have no evidence besides the hospital invoice showing it is satisfied. 
State and Federal want to investigate the provider for prohibited practices. I was refused this information or a bill from the agency. 
Its incomprehensible that Experian refused to remove fraudulent remarks affecting my credit, especially with my formal dispute notate in the remarks by the collection agency. It was seamless to rectify with the other two agencies. 
i am a victim, who ca n't file a complaint against the provider who fraudulently billed me, and further victimized by Experians bad faith conduct and violation of my consumer rights. 
it 's appalling that this was validated and reported on my permanent record. I had to dispute the fraudulent remarks. Now, i 'm further victimized by Experian to validate the inauthenticity.. why? 
What can i do? The other two credit reporting agencies responded quickly and acknowledged fraud. What information did Experian obtain to validate an illegal collection. 
And I still need an actual bill. Are n't there collection regulations prohibiting a person from reporting to credit agencies directly, without sending bills? 
i need Experian to explain their investigation and determination of validity. 
i need a bill for these alleged charges, which XXXX required me to obtain because they want to formally investigate and fine the practitioner for prohibited billing practices and fraud

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 2017-10-01 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: Trident Asset Management, L.L.C.
State: MS

Complaint narrative:
I have a collection account on my three ( 3 ) credit files from a collection agency named Trident Asset Management, LLC.  Please be advised that I am disputing this collection due to the fact Trident Asset Management, LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX ) does not have a valid license nor a certificate of authority in Mississippi to collect on debts. This information is stating that their license is currently nonexistent according to https : XXXX. Furthermore, this company never contacted me about this account but just placed the account on my credit reports without verifying if the information is true or if the item is mine or not. In reference to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), validation letters were sent to XXXX,  XXXX, and XXXX on XXXX XXXX, XXXX. The account was deleted from XXXX ; however, no proof was provided to me by XXXX nor XXXX as of the date of this letter and it continues to remain on both reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mutual Management Services LLC
State: TN

Complaint narrative:
I have contacted this company on numerous occasion about this problem!! I am not responsible for this collection account! This account was open fraudulently with my personal information and identification. I 've sent in the police report and affidavits that they requested!! This same account was with another collection company and it was removed from my credit!! And now this account is back on my credit with different collection agency!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX a Presentment under notary seal of dispute and verify the alleged debt was sent to XXXX XXXX XXXX XXXX XXXX XXXX CFO XXXX XXXX. XX/XX/XXXX a Notary Certificate of Dishonor and Non-Response was sent. XXXX XXXX XXXX XXXX continued to send collection notices for this debt that they would not validate under the THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT REPORTING ACT, 15 USC 1692G AND TRUTH IN LENDING ACT. On XX/XX/XXXX XXXX XXXX XXXX XXXX accepted a permanent loan modification fully satisfying the alleged debt. Money Order # XXXX was accepted and applied to alleged debt on XX/XX/XXXX having the Contract statement written in a conspicuous place : Full Satisfaction of all Claims. The terms of the contract are clear according to XX/XX/XXXX Maryland Code COMMERCIAL LAW 3-311 & UCC 3-311. The alleged debt has not been discharged according to law. XXXX XXXX XXXX XXXX is now threatening foreclosure by way of the UNITED STATED POST OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
In XXXX, I was approved for a XXXX XXXX XXXX XXXX XXXX and gladly accepted. I was told by the store associates that I would receive a coupon magazine and my card within the month. It is now XXXX and Ive yet to receive my credit card from them. I made a late payment on XXXX XXXX, XXXX, and was told by the customer service representative that my card would be in the mail. Sometime in XXXX, I made a purchase in the store and the clerk was able to use my social security number to process my payment through the credit card company. I informed her Id never received my card so she called customer service. They, again, said my new card and vouchers would be sent out and I should receive it by the end of XXXX. I have not received my credit card, attempted multiple times to contact them so my card could be sent, and each time Ive been told it will arrive. It never does. On the card includes a number to call to make a payment. Since I dont have that number, Im forced to wait until my bill comes in the mail and interest has accrued even though I want to pay it off before then. Oddly enough, they have the correct email, phone number, and address since I do get a bill, but they cant seem to send me my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been getting the run around from Transunion regarding inquiries. Transunion has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done after they made a public statement regarding this issue. I called their customer service number XXXX close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Transunion a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the 3 inquires are : Openend Credit XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation