vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 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: AK

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-19 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: AK

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Opened a new " Accelerated Savings '' account with Citibank over the telephone and transferred over {$500000.00} from one of my other savings account at Citibank into the new account. On XX/XX/19 I noticed that I couldn't see my account online at all anymore and I emailed XXXX XXXX who I had opened other accounts with in the past in the XXXX office. I later learned that they closed my account on XX/XX/19 without telling me they were going to close the account and overnighted me a check for the balance of the account plus my interest earned over that month which amounted to {$500000.00}. I reopened the account right away and was able to redeposit the funds on XX/XX/19. Should the funds were to have stayed in the account the interest earned would have been {$220.00}. Citibank tells me that the account was closed because I did not send in a signature card, but that was never requested when I opened the account and there was one on file from my other accounts with the bank. Citibank can review that phone call to ensure that this was never mentioned. Additionally I never received a call, letter or message in the online message center saying my account needed more information. I tried resolving this issue with XXXX XXXX and he was unable to assist since the account was opened up over the telephone.

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 2019-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2019-11-19 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:
I recently applied to a new apartment, and as part of their background. They pulled an address that does not belong to me. 

I recently pulled all 3 of my credit reports, and it is stating an address I never lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
After expressly requesting that my loan be paid off I learned today that my loan was NOT paid off and so now have had to request a payoff be processed for the second time. This company is unquestionably delaying the payoff process in order to generate additional interest income as there is no other explanation. The person I spoke with on the telephone today stated there is NO record of me requesting a payoff even though I have emails stating otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-19 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2019 I had wrote all 3 major credit bureaus disputing the accounts in question I had also wrote the creditor disputing the balance as well on XX/XX/2019 and XX/XX/2019, XX/XX/2019. This account is till reporting on all 3 major credit bureaus and now I have collections calling my phone on an account I did not opened. I Have been overseas for the past 3 years and I have been disputing this account since I have been back into the states. I m a victim of identity theft and i have provided copies of my XXXX papers and dispute letters and yet they are still trying to collect money due on the 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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-19 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 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: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
Hello. I had a fraudulent charge of {$320.00} reported on my account by Healthcare Receivables Group and I called and wrote to both them and XXXX. I never received anything back from either company. I then issued a dispute and transunion replied it was investigated and was a valid charge. I then wrote and called again and the billing company finally found their error and notified transition that it was in fact a billing error. On XX/XX/XXXX my credit account was changed to say the {$320.00} was " paid off '' implying that I paid the fraudulent charge instead of just removing it from my credit report. I then issued another dispute with them but it still say 's " paid off '' and it would stay on my credit report until 2026. That would not be fair as I never owed that money. Thank you for handling this for me as I have spent many frustrating days on the phone and writing letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
As a student I was doing online classes through XXXX XXXX college. I was able to receive student loans to pay for my classes. My loans monthly payment amounts were minimal amounts that were paid every month. After being hired by the local police department, I qualified for a loan deferment plan. This plan allows my loans to be deferred every year up to ten years. Due to a time delay in the deferment processing in XXXX of this year my accounts showed late payments of 90 days. I was told all late payments would be removed from my credit report in approximate 30 days, but the late payments are still reporting. This has dropped my credit score about 70 points and has really hurt me trying to obtain credit for a new home and new vehicle. I would love to have this issue resolved as soon as possible. I have tried disputing these inaccurate accounts with the credit companies, but have not gotten anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX the company " Citi Financial '' sent me around XXXX dollars and XXXX was taken out my account unexpectedly I was later directed me to obtain an XXXX  card from XX/XX/XXXX for XXXX dollars and was instructed to send them the information, After that I was no longer able to access my online banking, I've been calling the number XXXX ( XXXX ) XXXX and have been speaking to multiple people who all sound the same, I asked for their address and was given the wrong address and profanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Over the past 8 years in speaking with The Navient team, I was advised to take advantage of the loan forgiveness program which was communicated to freeze payments and interest on my federal loans. However, It looks like my interest in loans has been compounding over the years. I originally took out XXXX in loan and now I'm close to XXXX in total debt because of interest. Over the last 10 years, I've basically been out of full-time work so I have hardship paying back the loan. 

CFPB did sue the company Navient for failing borrowers and used deceiving information. These tactics have illegally misled me and I'm ready to leave and want to get rid of my navient contract. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Family and friends were contacted multiple times by a woman named XXXX XXXX in attempts to collect an unpaid debt. I was notified by a cousin, family friend, great aunt, as well as my mother to call them to resolve the issue. XXXX XXXX used a threatening tone towards all individuals she contacted. She states that she would that I would be located in person, she went as far as to provide car license plate number. She threatened to contact an employer and speak to a supervisor. She also insisted that she would call and contact everyone until I was located. I resolved the issue XX/XX/19 via phone. I paid XXXX {$200.00} as well as set up a payment plan for the remaining balance. XX/XX/19 I verbally told the company to stop harrassing family and friends. I provided an E-mail and let XXXX XXXX know that I can be reached there and to cease all other forms of communication. They said since I made a payment and set up a payment plan the calls would stop. I went a step further and also requested an address for the company to send a formal cease and desist letter to stop the harrassing phone calls. XXXX never provided me with an address. XX/XX/19 family members are still recieveing voicemails from Ms. XXXX XXXX. She is stating that she will call until I am located, however I already resolved the issue. At this point my family and friends are being harrassed by this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently applied to a new apartment complex and they pulled my credit. It is showing an eviction against my name. Under the collections section in all 3 credit reports. 

It is imperative that this gets removed and cleared immediately, I never lived at the address associated with that account. 

This collection, specifically is preventing me to be able to move. I was living with family at the time frame this was listed on my credit file. 

Collection Company : XXXX XXXX XXXX XXXX XXXX and/or 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
Consumer complaint received 2019-11-19 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: LA

Complaint narrative:
Experian is reporting a 60 day late payment on my mortgage account. I filed a dispute in XX/XX/2019. The result received indicated the information had been confirmed with XXXX XXXX and will remain on my credit report as a 60 day late payment. I contacted XXXX XXXX and was assured that my mortgage was never reported 60 days late. The creditor insist there is nothing they can do because they never reported the information. Experian insist there is nothing they can do because it is information received from XXXX XXXX. I've filed a second dispute with Experian and received notification that I could not file a second dispute on the same issue. The inaccurate information remains on my credit 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 2019-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I live with my son. He was out of work.he is XXXX.We could not pay the rent in XXXX, 2018, and we were threatened with a 3 day notice. 
I was desperate and full of fear of homelessness. I had debilitating nightmares of being on the streets.Im a senior on social security. 
I found CHECK INTO CASH on XXXX XXXX XXXX, XXXX XXXX, and borrowed {$5300.00} from that company. This was going to pay the rent until my son was working again. NOTHING ABOUT THE LOAN WAS EXPLAINED TO ME. Absolutely nothing. I made the loan in desperation. They took the title of my beloved car.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I refinanced my home mortgage with JG Wentworth Home lending and closed at the end of XX/XX/2019. First payment was due XX/XX/XXXX. An electronic payment was sent from XXXX XXXX XXXX to JGW on XX/XX/XXXX. On or about XX/XX/XXXX, I check my online account with JGW and noticed that the XXXX payment was still not posted and I called. I was informed that my mortgage had already been sold to XXXX XXXX  and a new account number assigned. After SEVERAL minutes on hold, the agent ( XXXX ) advised that my XXXX payment was posted to the new account number assigned to XXXX and not the account assigned by JGW. I was told that the posting would be corrected. On or about XX/XX/XXXX, I checked my online account at JGW and the XXXX payment was still not posted. Again, I called JGW. Again, I was told that the XXXX payment was posted to the wrong account and that this would be corrected. On XX/XX/XXXX, I received an alert that I now have a delinquent account with JGW.

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 2019-11-19 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:
On XX/XX/2019 my master card from CITI bank was charge {$380.00} and {$350.00} unauthorized purchases. I contacted the citi credit card, they cancelled my card and sent me a new card. However, later I was recharged {$380.00} and {$350.00} by Citi again in my XXXX bill. I called them to dispute the charge but they said since the card was in my possession while the fraudulent happened I am responsible for those fraudulent transactions. I disagreed with them but the representative told me there is nothing she can do and told me that I have to pay the transactions.

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 2019-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently applied to a new apartment complex and they pulled my credit. It is showing an eviction against my name. Under the collections section in all 3 credit reports. It is imperative that gets removed and cleared immediately. I never lived at the address associated with that account. This collection specifically is preventing me from moving. I was living with family during the time frame this was added to my profile. 

XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I purchased two phones from XXXX who is a wholesale retailer for XXXX XXXX. Both phones were returned on XXXX XX/XX/2018 to XXXX and XXXX provided a refund receipt. A refund receipt and credit card refund is attached. The return was within the remorse period by XXXX and honored by XXXX. 

XXXX was not able to communicate the refund to XXXX XXXX  and they called be about the amount due after many months. I told XXXX that the devices were returned and they need to call their retailer. XXXX made no attempt to reach out to XXXX and so I personally went to the store and asked him to resend the cancellation. XXXX provided a copy of refund receipt. 
XXXX then sent the amount to the collection and every time I tell collection agency that it has been returned, they sell it to other collection agencies. 
I reached out to Transunion to correct the reporting but they reach out to XXXX who keeps confirming. Both TUC and XXXX are ignoring refund receipt. 

I have to pay a higher interest rate due to collection and more recently denied credit due to the collection on my report. I have called XXXX but they keep saying that the account is in the collection and they can not open my file. so I am in a vicious loop trying to correct a wrong item on my credit report. 
I want XXXX to call XXXX  ( phone numbers are there in the attached ) and correct the issue. Also, TUC should not report false items when provided proof of payment.

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