vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Students loans duplicated and were paid off showing on credit sent dispute to have them removed. Still showing need to be removed. 

XX/XX/XXXXCreditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXXClosed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXXCreditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility  Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name DXXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened DateXX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00}XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed DateXX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$750.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00}

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 2018-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Students loans duplicated and were paid off showing on credit sent dispute to have them removed. Still showing need to be removed. 

XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened Date XX/XX/XXXXClosed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXXCreditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed DateXX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$750.00}XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXXLimit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} XXXXighest Balance {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Students loans duplicated and were paid off showing on credit sent dispute to have them removed. Still showing need to be removed. 

XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$750.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00}

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 2018-01-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
The following CITICARD opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXXwhy now? 

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious? 

Thanks for your attention! 
This has been paid in full at least 5-10 years ago, unknowingly after the statute of limitations made it unnecessary, through a debt collector : CITICARDS CBNA Account Details Last Reported XX/XX/XXXX Creditor Name CITICARDS CBNA Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor

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 2018-01-14 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: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts are all fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for {$420.00}, I been receiving harassing phone calls at my home and at my place of employment from the above creditors everyday around XXXX XXXX for over 1 year. I have received death threats and been threatened with being arrested, if I dont pay the debt thats fraudulent and dont belong to me. I informed all 5 of the companies/debtors in writing via USPS mail to stop contacting me and harassing me at home and at my job, yet they continue to contact me at home and at my place of employment. This has been going on for over 1 year. This is a major violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law, and Arizona Debt Collection state laws. The accounts are all fraudulent and unauthorized, and dont belong to me. The debt is not mine. I have been informing the debtors for over 1 year that the fraudulent and unauthorized accounts arent my accounts, yet Im steady been harassed and receiving death threats, and threats of being arrested and put in prison for fraudulent accounts and debt thats not mine. The accounts are not on my XXXX XXXX credit report, because XXXX XXXX deleted and permanently blocked the accounts from my XXXX XXXX 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 2018-01-14 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: AZ

Complaint narrative:
Equifax previously deleted and permanently blocked the following fraudulent and unauthorized account from my Equifax credit report between XXXX : XXXX XXXX XXXX. Equifax has put the fraudulent account back on my credit report after deleting and permanently blocking the account from my Equifax credit report. I been receiving harassing phone calls and death threats from representatives from XXXX XXXX XXXX at my home and place of employment for over 1 year, to pay for a debt thats not my debt or account. This is a serious violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law, and under Arizona Debt Collection state laws. This account isnt on my XXXX XXXX or XXXX credit report, because XXXX XXXX and XXXX deleted the account from my credit report and permanently blocked the account from my XXXX XXXX and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Navient is the most disgusting company I have ever dealt with. Several times while I was attending XXXX University, Navient tried to dispute this fact, and then when I had to take a leave of absence from the school due to a chronic illness, I was able to negotiate an interest-only payment for a year or so but had to fight to get an additional year. 

On XX/XX/XXXX and XX/XX/XXXX, Navient sent an e-mail stating that the interest-only payment of {$24.00} would be ending, but I was NEVER given the amount of the modified payment. There was a conflict in information from customer service and my online statement as to the adjustment. I kept inquiring about other payment options because I am on XXXX but was told by Navient that I had no other options. Navient only divulged the modified payment of {$220.00} and due on XX/XX/XXXX while responding to a CFPB complaint about a week ago. 

When I received this information from Navient, I immediately called because I knew I would have to go into default because my income will not support this {$220.00} payment. I was told by a Navient phone representative on or about XX/XX/XXXXthat the only other option would be to file a XXXX waiver in which would be put in the mail and that I could not receive the form via e-mail. I kept waiting for the form to arrive via USPS ; however, it did not. I checked the online account on Thursday, XX/XX/XXXX, and discovered that I had a new document dated XX/XX/XXXX with the form attached. I, immediately, filled out the form and carried it to my oncologist on Friday, XXXXXX/XX/XXXX. That same day, I received a notice from Navient stating that I had a new document -- did not receive any notification of the XX/XX/XXXX notice. This XXXX waiver is misleading and counterproductive because it seeks a Permanent/Total XXXX and not for students that are on XXXX for XXXX XXXX XXXX. I am not sure why Navient refuses to negotiate a reasonably monthly payment. Hence, I have a similar loan with XXXX and have been making payments of {$82.00} without hardship for about two years. 

I can not understand the logic of this company. Navient is operating more as a payday loan company with these exorbitant interest rates, late fees, bad customer service, and unwillingness to modify payments. Expecting a student on XXXX to pay {$220.00} a month for a {$6000.00} ( now almost {$12000.00} ) student loan is lunacy, to say the least. My thinking is that Navient is seeking defaults.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXXof 2017 a XXXX XXXXXXXX XXXX I cosigner for was totaled. After insurance paid there portion XXXX XXXX still had a XXXX balance. But she this car was purchased directly from.XXXX we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. XXXXXXXX XXXX has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.

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 2018-01-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX of 2017 a XXXX XXXX XXXX I cosigner for was totaled. After insurance paid there portion XXXX XXXX still had a XXXX balance. But she this car was purchased directly from.XXXX we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. XXXX XXXX has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This account XX/XX/2013 has a {$0.00} balance and is past the California statue of limitations. This account is still on my credit report and closed.

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 2018-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have had this checking account since XXXX. I always direct deposit enough money to pay the Home equity loan prior to it being due. In XX/XX/XXXX they charged me a random {$7.00} fee on XX/XX/XXXX. They then paid my loan payment to themselves and overdrew my account by {$5.00}. I only use this account for a discounted rate on the loan through them. They proceeded to charge me {$36.00} for the overfdraft and {$7.00} a day for being overdrawn. On XX/XX/XXXX they sent me an email that I did not see as I deleted it because I do n't use PNC for anything else. I did see the 2nd email they sent me XX/XX/XXXXand I called that day. They agreed to take off the overdraft and 1 day charge of {$7.00}. I explained to her that this was a pyramid scheme and I have never had a fee one time like this and she just said the system will only let me remove {$43.00} and there is no manager I can talk to. Her only explanation was it is a free checking account and I missed the cutoff for that cycle by 1 day and there was nothing left to say. It was transferred from my other account prior to the XXXX break/weekend. This is crazy and unfair but she refused to even let me speak to someone else about it. I have since spoken to other people that said PNC did similar things to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
I have a debt on my credit that doesnt belong to me and I believe it was an act of fraud. 
Date opened ; XX/XX/XXXX First reported ; XX/XX/XXXX Date of status ; XX/XX/XXXX Original Creditor ; XXXX XXXX XXXX Amount due ; {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hello, Please remove the following from my credit report. The address XXXX XXXX XXXX XXXX  XXXX and the cactus address from my credit file, I never lived in XXXX Arizona. Please delete the XXXX XXXX address I never lived in XXXX. 

Thanks

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 2018-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
On XX/XX/XXXX, I initiated an online MoneyGram transaction. I was sending {$1500.00} to my brother-in-law in XXXX ( XXXX ), TN. He is a police officer and needed some cash to make his rent payment and avoid an impending eviction. He was going to pick up the cash at a nearby XXXX  location. I entered my XXXX credit card information online to process the transaction. I got a confirmation back that my transaction had been accepted. A few minutes later in a phone call with MoneyGram, I was informed the transaction did not meet their anti-fraud security requirements and that the transaction was being cancelled by MoneyGram. 

On XX/XX/XXXX, I checked my credit card statement online and discovered, MoneyGram never refunded the {$1500.00}. I have also incurred additional fees from my credit card company for a cash advance. 

I called MoneyGram on XX/XX/XXXX. I was told the transaction was cancelled on XX/XX/XXXX despite having been told on XX/XX/XXXX that MoneyGram was cancelling the transaction for the above stated reason. I was informed it could take 3 to 10 business days from the XX/XX/XXXX date for the refund to be posted back to my credit card. If MoneyGram has the ability to instantly charge my credit card account, then they also have the ability to immediately process a refund or transaction cancellation. 

At no point prior to the transaction being completed by me online did MoneyGram clearly disclose their refund policy if the transaction was cancelled by MoneyGram. Had MoneyGram made this disclosure, I would not have completed the transaction. 

Now, my credit card issuer is expecting me to pay {$1500.00} plus the associated fees by the XX/XX/XXXX payment date, thereby creating an UNDUE FINANCIAL HARDSHIP. 

MoneyGram 's business practices are DECEPTIVE AND UNFAIR and do not protect the consumer against their unfair and possibly fraudulent business transactions. 

Despite similar complaints previously filed with your agency, MoneyGram persists in deceiving and defrauding consumers.Please refer to the following complaint numbers with your agency to see a LONG HISTORY OF DECEPTIVE AND UNFAIR TRADE PRACTICES : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

I have now spent hours of my time trying to get back money I was rightfully due on XX/XX/XXXX. It is time for CFPB and the Attorney General to prosecute MoneyGram.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc.
State: MN

Complaint narrative:
XXXX XXXX has placed a collection item on my credit report with the credit bureaus. That collection item showed up suddenly and does not belong to me. The name on the debt is not my name, yet was the debt was still attributed to me and placed on my credit report. This is deeply problematic as it prevents me from getting a home loan. 

On Wednesday, XXXX XXXX, 2018, I contacted XXXX XXXX ( through XXXX XXXX ) and informed them that the collections placed on my credit report with the credit bureaus represent a debt that does not belong to me. I informed them that the name on the account is not my name and I have never gone by that name, in fact, the surname is not my surname. 

XXXX XXXX refuses to remove the item from my credit report. I need the assistance of the CFPB with getting this wrongful collections item removed so that I can move forward and be able to secure a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following XXXX opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXX why now? 

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious? 

Thanks for your attention! 
This has been paid in full at least 5-10 years ago, unknowingly after the statute of limitations made it unnecessary, through a debt collector : XXXX XXXX Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor

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