vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 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: DISCOVER BANK
State: LA

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. Date opened XX/XX/XXXX Amount of {$4700.00} this has been a battle since XX/XX/XXXX when I discovered this account. When I received a phone call demanding payment. When I called Discover card last week, they told me the reason I received a bill, was because they could not invalidate or validate fraud so I was held liable for this account. I said so you want me to pay you money for something I never had never used? The guy I was talking to from the fraud department said well someone has to. I asked is there anything I can do, and he said no because we can not invalidate or validate that this was fraud. I asked him to reopen fraud investigation, and I receive a letter stating they can not do so without additional information. I asked the guy what more can I do. I already made a report with the Federal Trade Commission. Im going on XXXX years old I dont know what to do. Please help me. I 'm on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. This is not the way I want to spend my last bit of life. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
My morgatage was paid with XXXX XXXX XXXX with a loan discharge and i did a motion to the court for summary judgment on XX/XX/2017 and the judge denied the motion seens the case is close but Fay Servicing keeps get in contact with and tell me they owned my property i disputed the debt with them seens is payoff and they have not paying attention to me about this disputed and keep calling me and harassing me about the debt and even reporting me to the credit bureau they 're not my lender and i do n't old any money to them and my credit score is being affected because of them please help me about this case because is very frustrating thanks sincerely XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: NY

Complaint narrative:
I have been contacting transunion and XXXX to please put an account on my credit report. The account is XXXX where I am an authorized user on this account. I also contacted XXXX as well to ask them to please report this account to the credit reporting agency 's. XXXX is currently reporting the account. This will help my credit score as I am having difficulty with the credit reporting agency 's in disputing wrong information on my reports for other items.

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 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I had a complaint filed with PNC BANK in XXXX XXXX they closed the account - they said my name was OFF the PROPERTY. I just got another BILL from PNC for property insurance & flood insurance. I got a bill XXXX XXXX XXXX and I thought that was the last one- XXXX XXXX XXXX PNC said she took care of the matter and I get ANOTHER BILL! this nightmare will NOT END! my stress level is over the top!. I just emailed XXXX XXXX and posted on PNC Bank XXXX page plus contacted XXXX XXXX XXXX 's office - they are who got me to you to begin with. this is what I sent XXXX XXXX & posted on facebook : well I thought the matter of my name being attached to the flooded unlivable property at XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX was taken care of?!! I got ANOTHER BILL for insurance on the property in MY NAME!! 
I leave in the morning to visit my in laws - this is a just another great timing on PNC behalf! 
I will contact the consumer finances AGAIN! AND ANYONE ELSE - maybe the NEWS Stations can will be able to get this taken care of- if not i 'm sure there is an Attorney out there- i 'm sure this falls under HARRASSMENT of some type! 
I would think in all this time I have made phone calls, PERSONALLY went to the local branch, emails, and YOU giving me your word you would see to it this matter was taken care of that there should be XXXX person that can do their job and get MY NAME OFF THIS UNLIVABLE PROPERTY THAT WAS FLOODED IN XXXX XXXX & XXXX PAID NOTHING- OUR HOMEOWNERS INSURANCE PAID NOTHING - WE LOST EVERYTHING & THE HOUSE HAS TO BE TORN - IT IS NOT FIXABLE NOR LIVABLE! PNC BOUGHT THIS HOUSE BACK AT SHERIFF AUCTION GET MY NAME OFF IT! 
HAVE A REAL GOOD DAY- PNC HAS COMPLETELY TURNED MY DAY TO A XXXX ONE ONCE AGAIN! 
THANKS FOR NOTHING! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX FLOOD HOUSE XXXX OWNS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXXXXXXXXXX I will not answer phone calls from PNC for 2 weeks as I will be with my family - email is just fine!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: TX

Complaint narrative:
I disputed a paid collection account with XXXX. The account was not in collections but it is still reporting as a collection account. It should be removed immediately. I have disputed this multiple times but have not received any results proving this was an actual collection 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 2017-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I have sent a letter out to the agency on XX/XX/XXXX disputing a debt of {$1800.00} and with delivery confirmation, I knew they got it on XX/XX/XXXX. This letter requested the agency to send me all the information by law about the debt within 30 days. There was no response from the agency. On XX/XX/XXXX I had a letter sent out by my attorney regarding the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed a paid collection account with XXXX. The account was not in collections but it is still reporting as a collection account. It should be removed immediately. I have disputed this multiple times but have not received any results proving this was an actual collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18 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: TX

Complaint narrative:
I disputed a paid collection account with XXXX. The account was not in collections but it is still reporting as a collection account. It should be removed immediately. I have disputed this multiple times but have not received any results proving this was an actual collection 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 2017-09-18 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 is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: ID

Complaint narrative:
XXXX XXXX ... ... .. i have tried many times too get an account thru either a credit union or an actual bank. iam trying too fix my credit but behold XXXX they are holding me back from getting an account thru anyone due to the lack of their filling how things are on my reports. it just shows two available accounts. every time people say its due to XXXX XXXX either its fraud or something they are doing that isnt letting me get on with my life.. i have disputed and disputed and disputed and i dont know if they are doing something that is stoping me or if they have not updated my file. i have asked them to remove all the names except for my real name and the adress and still nothing, and i dont know why they are holding back for me not to get approved for anything.. i need something done cause they are just making my life hell. all the inquirys removed from my report thank you so much

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 2017-09-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
O
n XX/XX/XXXX I enrolled in EquiFax XXXX program due to a concern about my private data being breached. I was asked to provide credit card information. On XX/XX/XXXX, I attem
pted to access my XXXX account- error message stating " we are unable to activate your account '' On XX/XX/XXXX, I called and self identified myself, yet I am still unable to activate my account. Supervisor XXXX in " Authentication Department '' was unbothered and lacked motivation for my Identity being compromised.
After self identifying myself via live conference with customer service, and online, I am still being told " we are unable to activate your account ''. I am concerned because my identity is potentially compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I 'm submitting a complaint in regards to the status of my XXXX loan forgiveness letter. I submitted the original XXXX loan forgiveness letter in XXXX 2017 to then be told there were errors. I fixed those errors submitted the same letter with the initials on the item that needed to be corrected to then be told a few weeks later that there were additional errors wrong that were not even listed in the first letter. I submitted my application a third time and spoke with a customer service representative who told me that the application looked liked it was filled out correctly and that I should hear within 30 days about the status of my application. I asked for my payments to be deferred. I also asked if I would have a response to my XXXX loan forgiveness prior to my deferment date expiring and she stated yes. However, I have now a past due payment and still have not heard back in regards to the status of my loan application. I would like to know why it is taking so long to review my XXXX loan forgiveness application and what is the status?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I request credit report online from Equifax. There is an online identification validation process where Equifax post 4 questions for me to answer. However, the 4 questions were bogus so there is no way I can get it right. The answers for all 4 questions are " none of the above ''. My wife tried the same process and got the same 4 bogus questions. It appears that Equifax deliberately deny request for credit report by failed the identification for consumers. 
I started from XXXX and did not have any problem with XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: EQUIFAX, INC.
State: ID

Complaint narrative:
equifax report ... ... ... iam trying to repair my credit and reports on my own as well as with a real known repair service that deals with all three agencys. equifax has items on my report that they others removed but and the items that equifax did remove this summer they have added the items back onto it making my credit worst then it was. the same companys and the same stuff. i go in every 30 days and dispute it for the last 6 months. and also the hard inquirys that appear on my report that i didnt do there is dupicates and i have had to put a fraud alert on my credit file makes it even worst but they dont seem too do anything so i got ta keep disputing the items. i dont know if they can put the neg and collections back on after they remove them with the same company. they shouldnt be aloud to do that, once they remove the item and it looks good ..but when i apply for something it still states neg info or remarks those also need too be updated all i can do it keep disputing it over and over intill something is fix with everything so when creditors look i wont look bad as they are making me look right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: TX

Complaint narrative:
XXXX is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18 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: TX

Complaint narrative:
XXXX is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18 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: TX

Complaint narrative:
XXXX is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.

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 2017-09-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citibank Costco Visa card was abruptly closed by Citibank on X/XX/17 without prior notice or explanation as to why they are closing my account. I just found out about the problem at a store when I tried to use my credit card and it was declined. I called Citibank using the number listed on the back of the card, but the specialist on the line could not tell me why my card was suddenly closed without an explanation. I have been advised to write Citibank a letter to ask what happened to my card. I was only given a XXXX XXXX XXXX without a name. This is an unacceptable behavior from Citibank. I have been a loyal customer for years without issues. Now I can not even get an answer from anyone.

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 2017-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I bought a computer on XXXX, and paid through paypal because that was the only option, that was sold from XXXX. Paypal receipt # XXXX, and XXXX item # XXXX. It cost me CAD {$190.00}, and their website shows that to translate to USD {$160.00}. I used a credit card to buy it, and  was charged {$160.00} because they charged me in USD, then exchanged it to CAD at a low rate of {$1.00} CAD/ {$1.00} USD. The price shown multiple times in the checkout for was USD {$160.00}, or CAD {$190.00}. I did not agree to use their exchange rate, and the principle of the overcharge really bothers me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-18 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: ID

Complaint narrative:
XXXX report ... ... ... iam trying to repair my credit and reports on my own as well as with a real known repair service that deals with all three agencys. XXXX has items on my report that they others removed but and the items that XXXX did remove this summer they have added the items back onto it making my credit worst then it was. the same companys and the same stuff. i go in every 30 days and dispute it for the last 6 months. and also the hard inquirys that appear on my report that i didnt do there is dupicates and i have had to put a fraud alert on my credit file makes it even worst but they dont seem too do anything so i got ta keep disputing the items. i dont know if they can put the neg and collections back on after they remove them with the same company. they shouldnt be aloud to do that, once they remove the item and it looks good ..but when i apply for something it still states neg info or remarks those also need too be updated all i can do it keep disputing it over and over intill something is fix with everything so when creditors look i wont look bad as they are making me look right now.

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 2017-09-18 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: ID

Complaint narrative:
XXXX report ... ... ... iam trying to repair my credit and reports on my own as well as with a real known repair service that deals with all three agencys. XXXX has items on my report that they others removed but and the items that XXXX did remove this summer they have added the items back onto it making my credit worst then it was. the same companys and the same stuff. i go in every 30 days and dispute it for the last 6 months. and also the hard inquirys that appear on my report that i didnt do there is dupicates and i have had to put a fraud alert on my credit file makes it even worst but they dont seem too do anything so i got ta keep disputing the items. i dont know if they can put the neg and collections back on after they remove them with the same company. they shouldnt be aloud to do that, once they remove the item and it looks good ..but when i apply for something it still states neg info or remarks those also need too be updated all i can do it keep disputing it over and over intill something is fix with everything so when creditors look i wont look bad as they are making me look right now.

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 2017-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
Google wallet keep telling me they refunded my XXXX only charge I ever had with them.. I was requested to get a bank letter head showing I never received the refund which I did i sent it in. Now there response if they do not see anything for the transaction called the bank which they have been telling me for 3 months now.

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