vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
FRAUD ALERT on my credit file REMOVED. To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. I do not wish this fraud alert maintained on my credit file. Please remove it immediately. To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done. I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above. In accordance with the provisions of FACTA, I hereby request that I be sent, at no charge, a copy of my credit report. Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs.

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 2019-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: CreditNinja Lending, LLC
State: SC

Complaint narrative:
I entered into a payment agreement with company after I filed a previous dispute for its lack of transparency and fraud in how it handled my account. Despite my upholding all parts of my agreement, the company is reporting my account in a negative manner. My account is current per the agreement entered into and always has been. This negative reporting must be removed.

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 2019-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian is claiming the following issue concerning an unknown account to me : Your credit limit {$1000.00} Your credit card balance {$1300.00}. I don't have a credit card limit of a {$1000.00} nor a balance of XXXX. I never applied for this card. Experian never provided the name of this credit card nor the bank it's from. I have theft protect with all the XXXX Credit Bureaus. So how could this happened.

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 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: NC

Complaint narrative:
I can see the claim through my credit app, however i have not recieved any mailed statements to pay this off or come to an agreed upon date of payment. I would like to get this XXXX dollars off 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 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My identity was stolen years ago when I lost my wallet in the parking lot of a theater. I took all the steps necessary to alert everyone of what had happened, however, sometime after this happened I began to get debt collection calls from different agencies. But I didnt know what to do about it, and I was able to get along fairy normal after this. Earlier this year, though, I learned how to combat identity theft. I submitted all the paperwork necessary to the bureaus to let then know what had happened with my identity. Most of the fraudulent information has been removed. However, there are still XXXX accounts on my Equifax report that have not been removed. It has now been about XXXX months since I first sent out paperwork to the creditors and to the bureaus, and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
SQ*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 {$20.00} SQ*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 {$40.00} Cash App*XXXX XXXX XXXX XXXX XXXX XX/XX/19 {$40.00} These are latest charges put through my credit union account. 
A group of charges were put through my account last month for twice as much by the same organization. I do not and have never used this company for anything. These are fraudulent charges and you can't reach anyone to talk to my credit union gave me a telephone number of XXXX and there isn't anyway to talk to anyone to find out who's been putting these charges through unless the whole company is just a scam. The telephone number says they are not speaking to people at this time and refers to cash.app/help that is of no help either. I would like to find out name of person who has used card. 
My credit union is not going to give me help on this and instead is punishing me by not giving me a new debit card. Meanwhile whoever did this is free to cause someone else a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
i do not owe XXXX XXXX are Midland credit management any money. i have no contract with any third party debt collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian XXXX XXXX XXXX XXXX is reporting an XXXX for my information when landlords enter my social security number and other personal information. 

My identity was stolen years ago and was used to rent property in a state that I have never lived in. I followed the correct procedure to handle this matter by filing a police report and I submitted my Identification and proof of address to Experian XXXX XXXX XXXX XXXX 

Experian XXXX XXXX XXXX XXXX refused to investigate the report even after I notified them of 605B Fair Credit Reporting Act stating they have 30 days to investigate and either remove or confirm the information. 

Experian XXXX XXXX XXXX XXXX has a website : XXXX XXXX XXXX where it says explicitly that they do " TENANT SCREENING '' reports for landlords and small businesses. If you click on " tenant screening '' it lists " public records '' and " eviction reports '' as part of this tenant screening. 

At first Experian XXXX XXXX XXXX XXXX first denied doing anything but credit reporting but after I showed them their own website they decided they could not lie any longer to me that they in fact do send reports out with eviction information they have in their database. 

Experian XXXX XXXX XXXX XXXX said they will not investigate any matters that are submitted to them, and their eviction reporting for my profile will continue to report even after I sent them the police report and corresponding documents. 

XXXX XXXX XXXX XXXX was able to investigate and remove their false information from my identity theft case. Experian XXXX XXXX XXXX XXXX refuses to investigate it.

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 2019-09-13 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: NE

Complaint narrative:
There was a problem with my XXXX account returning payments because they stated that I'm not authorized to use the XXXX account, which I use daily. XXXX payments were returned, and capital one, without notice, labeled it first party fraud and closed the account. They refuse to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Greetings, I had a HELOC account and recently decided to close it with MUFG Union Bank. 

Upon the closure of the escrow, the bank failed to release the lien on the deed and claimed it will take XXXX days to BEGIN documenting it with the county office. The account was paid in XXXX and the escrow was close on XXXX-2019. 

The banker also failed to disclose the cost upon the closure of the account, resulting a {$480.00} fees at my cost as the borrower. ( As attached computer screenshot ) After several discussion with the bank 's representatives, it is frustrating and unjust to learn that they can only send out a letter stating the account was paid in full and due to a " CLOSE '' which is false statement, since the lien stay on my deed, and the information on their website is highly inaccurate.

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 2019-09-13 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: AL

Complaint narrative:
Upon checking my credit sfter being denied credit, i initiated the dispute process with all three credit bureaus. This included accounts that are not mine and obvious identity theft. It also included addresses i never lived at and utilities for those addresses. I notified them that it was fraud and or identity theft. This was not taken seriously. In fact thry used the XXXX system to judt let the so called creditirs ( collection agencies ) verify with no real investigation as required by the FCRA. This is causing me irreprehable harm and thousands of dollars. Many of these so called collections never notified my in writing as required by law under the FDCPA. Likewise most of thesue have refused to provide verifucation and validation of these so called debts. Ones that responded to my dispute letters could not provide the contract or abrreement bearing my signature nor piroof of account is owed by me. As such these should be barred but thry continue to allow them to hurt my credit ating and cause me financial harm and diress.

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 2019-09-13 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: MO

Complaint narrative:
THIS FINAL DOCUMENT SHOULD HOPEFULLY AND FINALLY RESOLVE THIs ISSUE. THIS IS NOT A DUPLICATE COMPLAINT. I have an account that is being incorrectly reported on by Equifax and XXXX. XXXX has finally corrected the issue on their end. Account number XXXX through XXXX XXXX XXXX ( originally through XXXX ) should be reported as Paid in XXXX and Closed as of XX/XX/2016. Equifax is incorrectly still displaying this item as open. XXXX is displaying this item as in Collections as recently as XXXX of this year. It needs to reflect that it has been paid in XXXX and closed since XX/XX/2016. I have included a correspondence with XXXX XXXX XXXX explicitly indicating the correct status and Paid In XXXX  and Closed and also the Date which the account was closed XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: WA

Complaint narrative:
I placed an order on XXXX XXXX 'XXXX website. They were having computer difficulties at the time, and I did not see my order go through. I was on the phone with a representative from XXXX, and we placed the order again. When I looked at my credit card statement, both orders where almost immediately charged to my statement. XXXX was incorrect ( wrong, charge, wrong amount of product ). I asked XXXX to remove the incorrect order, which they did the next day, after resolving their computer errors. They also issued me a credit, which they said would go through on XX/XX/XXXX ( because of the holiday ). 
They provided an incident number for me. 
I called them back in a week when the credit did not show up on my account. They said the credit had gone through on the XXXX, and might need a little more time to show up on my statement. I waited another week, and called XXXX again. XXXX   assured my the credit had been processed by them on XX/XX/XXXX. 
I tried to call Citi Bank. They have no phone numbers on their website but I tried to follow the online instructions for disputes. Since they were still listing the {$1200.00} charge as pending, I was not able to file a dispute. I initiated a " chat '' on line, and " XXXX '' said I had to wait XXXX days. 
How does a credit card company charge a card immediately, but it takes them XXXX days to credit an account? I believe the Citi 's game is to leave a big charge ( which the consumer knows has already been credited ) on an account. That way Citi can charge late fees and interest even though they have already been issued the credit.

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 monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: AL

Complaint narrative:
XX/XX/2019 XXXX : WIRE TRANSFER To whom it XXXX concern : I went to transfer money via Western Union XXXX at a local XXXX only to be told that I was forbidden to transfer said money as there was a security issue which has been present since XXXX of 2019. I have sent numerous emails and spent hours on the phone to have this issue addressed to no avail. Please remove this alert or provide a detailed explanation as to why I am unable to use your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
This is the XXXX  complaint filed against CitiBank. The XXXX   XXXX filed under # XXXX was closed by CFPB after the Bank provided a fraudulent response. After I provided a " feed-back '' to that lie I received a telephone call from a lady by name XXXX who left a message on our answering machine with a request to call Citibank at XXXX number XXXX ( the last two digit I could not understand because of her mumble-jumble. She called though from a telephone number XXXX. After her another lady called me when I was at home and started to talk to me about XXXX credit card which is also issued by CitiBank. Since XXXX credit card had nothing to do with my compliant against Citi about general purpose credit card I refused to continue conversation. The issue in this complaint is the same as in previous compliant : CitiBank refused to provide to me a gift card from XXXX in response to their specific offer e-mailed 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 2019-09-13 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: MO

Complaint narrative:
My identity has been compromised and reported. The following inquires I have no knowledge of nor did I authorize neither. I'm demanding that these fraudulent inquires be removed from my credit file immediately. 

1 ) XXXX ( XX/XX/2018 ) 2 ) XXXX XXXX (XX/XX/2018 ) 3 ) XXXX XXXX ( XX/XX/2018 ) 4 ) XXXX XXXX ( XX/XX/2018) 5 ) XXXX XXXX (XX/XX/2018 ) 6 ) XXXX XXXX ( XX/XX/2018 ) 7 ) XXXX XXXX ( XX/XX/2018 ) 8 ) XXXX  XXXX ( XX/XX/2018 ) 8 ) XXXX ( XX/XX/2018 ) 9 ) XXXX XXXX ( XX/XX/2018) 10 ) Transunion ( XX/XX/2018 ) 11 ) XXXX XXXX XXXX  ( XX/XX/2018 ) 12 ) XXXX XXXX XXXX ( XX/XX/2018 ) 13 ) XXXX XXXX ( XX/XX/2018 )

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 2019-09-13 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: AL

Complaint narrative:
I have several unathorized inquires that I have contacted Transunion about stating they are not accounts I have applied for and they said they will not let me dispute them. Which is totally illegal. I have the right to have incorrect information taken off my credit report. 
I have contacted every listed company, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I am humbly asking that you request that Transunionto initiate an investigation the into inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry. 

The inquiries are XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX I would also like to ask the name of every inquirer to please relay the information to the bureaus to delete this information. 

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 2019-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
HIPAA VIOLATION : Collection Agent : ARS ACCOUNT RESOLUTION Provider of Service : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX**** According to a recent copy of my credit report ARS ACCOUNT RESOLUTION has been reporting an alleged debt owed by me, which is causing severe damage to my credit report.under the HEALTH INSURANCE PORTABILITY and ACCOUNTABILITY ACT ( HIPAA ) I am allowed to protect my privacy and medical records from third parties.I do not recall giving my permission to XXXX  XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party I am not asking for a verification or validation of this account.

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 2019-09-13 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: MO

Complaint narrative:
My identity has been compromised and reported. The following inquires I have no knowledge of nor did I authorize neither. I'm demanding that these fraudulent inquires be removed from my credit file immediately. 

1 ) XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX ) XXXX XXXX XXXXXXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: MO

Complaint narrative:
My identity has been compromised and reported. The following inquires I have no knowledge of nor did I authorize neither. I'm demanding that these fraudulent inquires be removed from my credit file immediately. 

1 ) XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX XXXX  ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX  ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) XXXX ) XXXX  ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX ( XXXX ) 11 ) XXXX XXXX XXXX ( XXXX ) 12 ) XXXX XXXX XXXX ( XXXX ) 13 ) 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 non-monetary relief