vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC will not allow my XXXX app to connect to my account WITH MY SET UP AND AUTHORIZATION!! This app has helped my family out so much during hard times and Id really appreciate it if this discrepancy subsides expeditiously! Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Bank of America loan application : Application No. : XXXX I applied online with Bank of America for a joint auto loan as a primary on a joint application to assist my son with purchasing a used auto. I provided both parties PII and entered my son 's information stating that he was XXXX XXXX of age. The application did not stop or notify that the loan could not be processed due to his legal age. The application was submitted online and declined due to the secondary being XXXX YOA. I called to request the application be reconsidered without my son. I was told that the application was reviewed by 2 lenders and the decision was final. I asked why I was not contacted by phone or email to consider dropping my son from the original application. I was told that I would easily qualify on my own with a XXXX XXXX  score. I again asked for the applilcation to be reconsidered or updated to include only myself. Again I was told that was not possible and that I would need to reapply. I asked if the same credit report could be used or will I be subject to a second inquiry in a 24 hour time. I was told the current bureau could not be used again. My complaint is why did the appllication allow me to submit if the secondary was not of legal age? Why did no one contact me to attempt to make the loan? Why wont BAC use the same bureau? Why BAC delete one of the inquiries which is impacting my credit rating due to excessive inquiries? I asked for a manager and was told that I would receive a call back in 24 hours? When you are in the process of buying a car, a dealer wont hold a car awaiting the bank to get back to me therefore the car was subsequently sold. I am an exisitng small business, personal banking and wealth customer with Bank of America XXXX XXXX XXXX  - a phone call to try to make the loan or advise me on my alternate options would be far more professional than an electronic Adverse Action letter with not instruction on how to try to make the loan. 


This is the message directly from the website at the time of the application : " Next Steps One of our specialists will contact you to discuss the details of your loan request. '' NO attempt to contact me was ever made.

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 2020-07-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN did not verify information on my credit report as accurate. i sent 2 diuspute letter as its is causing harm to my 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 explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I reached out to the cc company to tell them my card had been inactivated. The lady on the phone told me that there was a credit from XXXX XXXX but no debit to apply the credit to so the card was inactivated for potential fraud. I was then told to email my receipts for the credit and debit to an email address. This was a recent tool rental and return so the receipts were easily available. I scanned and emailed the receipts to the email on XX/XX/XXXX. I was told to give them 4-6 business days. The lady I spoke with did not speak clear XXXX, which brings me to the next call. On XX/XX/XXXX I called again due to my card not being active so that I could check the status. I was told on that day that they did not show that they had received my documents. The man I was speaking with gave me the email address again, which was different than the original email I was given. I sent the second email on XX/XX/XXXX and was told to give them another 4-6 business days. I called on XX/XX/XXXX to verify they received my documents and to give them 4-6 business days to process. On XX/XX/XXXX my card was still not reactivated. I sent a threatening email and also called them. I was told the documents had been received on XX/XX/XXXX and that they would contact the " back office '' to expedite my card being reinstated. On XX/XX/XXXX, I called again due to the fact that my card still was not activated. The man I spoke with told me he had gotten a supervisor involved and an email would be sent demanding the reactivation. He asked me to give them 48 hours and my card would be good to go. Today is XX/XX/XXXX. My card is still not activated. I just called and was hung up on. I called a second time to be told that I needed to wait another 4-6 days. When I began to get irritated, the lady told me that there was nothing else that she could do and when the " back office '' gets it reactivated, that they will contact me to let me know. Meanwhile, it has been a month since my initial call. My stimulus money direct deposited on this account is unavailable for me to use, and I can't get anyone to help be get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX  XXXX {$280.00} XXXX XXXX XXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am trying to unfreeze my Equifax Credit Report so I can get my mortgage refinanced. I tried all the avenues provided by Equifax - by automated phone and by website. When I used the automated phone line, I get to the very end and I get a message saying no person can assist me but there is no clear explanation why. When I tried the website, I get the same response. After 6 unsuccessful tries on the phone and 6 unsuccessful attempts on the website, I found a phone number where I was able to talk to a human. However, each time I called and explained my predicament, and after explaining that I have already tried the website and automated phone options, I still get sent to the automated phone option and none of the live customer service people can offer an alternative. I had 4 live person treat me the same way and the last one hung up before I could finish what I was saying. I had no difficulty in unfreezing my XXXX  and XXXX  accounts on the first try. Please call me at XXXX XXXX XXXX XXXX if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: SC

Complaint narrative:
There were alot of errors on my credit report. I submitted a dispute addressing the errors but after submitting the letter the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$650.00}

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 2020-07-08 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$280.00} XXXX XXXX  XXXX {$650.00}

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 2020-07-08 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2020 I paid Resurgent Capital Services a collections company {$170.00} for an account that had been sold to them by XXXX. I called XXXX to inform them that I had paid off the debt with Resurgent Capital Services, they informed me that I could call Resurgent Capital Services to have them contact XXXX about the {$170.00} having been paid in full. Resurgent advised me that is not something they do, but that they could send me a letter saying it was paid. I received the letter and called XXXX, who advised me that there was nothing they could do and to contact Resurgent. So at this point Im being given the run around after trying to update my account with XXXX, which had been sent to collections and bought by Resurgent, in which I paid in full the balance owed. And to date my information still has not been updated with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I went to school for XXXX XXXX my loan could have been one single loan but the broke it down in like 13 loans so intrested in all 13 loans plus laye free, and when I when back to school in XX/XX/2018 I asked the if the could hold off on some payment for school. Because of work. But no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: AES/PHEAA
State: NY

Complaint narrative:
I have a letter from Fedloan Servicing distinctly stating that my loans were in forbearance from XXXX to XXXX. However they are reporting me 90 days late for the month of XX/XX/2020. I disputed this information and provided the documents ( attached to this complaint ) and they refuse to correct the falsely reported information. I spoke with a representative ( on their recorded line ) and he verified that my loans were and are in forbearance from XXXX to XXXX and current. Before that representative I spoke with someone else and he informed me that I am current in their system & told me they will not update the credit bureau. 

Please review the documentation & have them remove the late payments. You will clearly see the discrepancy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: SC

Complaint narrative:
There were alot of errors on my credit report. I submitted a dispute addressing the errors but after submitting the letter the accounts were verified.

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 2020-07-08 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: SC

Complaint narrative:
There were alot of errors on my credit report. I submitted a dispute addressing the errors but after submitting the letter the accounts were verified.

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 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I can no longer link my bank acct to online loans. This is very discouraging as this needs to be done for online services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Dates are as the following : I received a Writ of Garnishment XX/XX/XXXX from XXXX XXXX XXXX 
I contacted the XXXXXXXX XXXXXXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX, MS XXXX on XX/XX/XXXX in writing to request the garnishment be ceased. The company XXXX XXXX was paid in XXXX. 
XXXX XXXXXXXX XXXX XXXX never wrote back. 
I received a hard credit inquiry on XX/XX/XXXX from the company XXXX XXXX located in XXXX, MS XXXX I spoke with XXXX at XXXX XXXX at XXXX. on XX/XX/XXXX he stated, he bought the debt from XXXX XXXX and XXXX XXXX charged off the debt on XX/XX/XXXX. 

I was never notified of this debt and wrote the company to advise that I was never informed. They never responded. I wrote to the County Court of XXXX County, Second Judicial District on XX/XX/XXXX. They wrote me back stating they did not receive any other court filings other than the original dated XX/XX/XXXX. 

Due to the above mentioned I am filing a complaint being XXXX XXXX at XXXX ( representing XXXX XXXX never responded in writing within 30 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have called Experian three times to receive my free annual credit report. I have a dispute also.

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 2020-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
On XX/XX/2020 I settled an old debt that was through Marnier Finance, LLC. and XXXX XXXX XXXX  was the collection agency handling this debt ; in other words I came to a settlement agreement with XXXX/XXXX  Law and paid the debt in full and was told by Mariner Finance 's local office before I paid the debt that they would release the title as SOON as I gave them the confirmation of debt paid in full. I received my paid in full letter from XXXX XXXX on XX/XX/2020. I contacted Mariner Finance in XXXX, Fl where the original loan took place as I need the title to my vehicle released through the FL DMV as it is imperative I get rid of my truck as I am on XXXX and have an urgent need to do this right away. They gave me XXXX XXXX 's number as was told she was in charge of recovery for Mariner Finance. I was able to contact XXXX the same day. She told me she had not " received '' notification from XXXX XXXX ( she looked up my account ) and that even if she did it would take her thirty days to " process '' the information. She was very short and rude. I did not argue with her and proceeded to file a complaint with the corporate office. However, I was repeatedly disconnected or was on hold over an hour with no one answering. I finally was able to contact someone days later and was told a manager would call me back within 24 hours. I never received a call and have been unsuccessful getting anyone on the phone again. I attempted to contact XXXX XXXX again the first week of XXXX via email and phone ( I have also sent her numerous emails after our initial conversation on XX/XX/XXXX in order to keep a paper trail ). She never responded to me. I also left her a few voice mails. I filed a complaint with the XXXX  XX/XX/2020. The response from the company, Mariner, was received XX/XX/2020. It was a generic letter stating that my debt was transferred to XXXX and I need to contact them. Um, XXXX XXXX are the same, and this is part of my rebuttal that I sent back through the XXXX  ( which I have attached ). I am getting no where with this company and as you can see they don't even research my file when they are contacted by the XXXX. They are illegally retaining the title to my vehicle. I can't continue to wait for a resolution as I feel there is not going to be a resolution since I can't even get in touch with anyone. Please help me. 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 2020-07-08 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Experian got in their phone application a tool that is call, File Lock, this tool pretty much do what it said, lock your credit file so no one can have access unless you authorize. 
I started using this service by the beginning of XXXX. Around XX/XX/XXXX I applied for XXXX XXXX XXXX, they told me back that my file was lock that I needed to unlocked. I tried multiple times and the app didn't allow me to unlocked my file. I contacted Experian in XXXX, XXXX, XXXX, and XX/XX/XXXX at least 4 times a month and none of the customer services representative was able to unlock my file. 
They open a trouble ticket and told me they will solve the situation. One month past by and no communication of any type. I call back around XX/XX/XXXX and they told me they were working with the situation. Finally around XX/XX/XXXX I receive an email telling me that my file was locked because some information was incorrect on my file, which doesn't make sense because I was the one that locked my file, but the email continues explaining that I was to contact them to fix it. I been trying to contact them since then without any response. Now XX/XX/XXXX I'm trying to buy a XXXX system for my house and the company selling me the system use Experian to look into their clients credit, so again I've been denied because of this issue. It's been a little more than a year that I been denied applications because of this issue. Experian is blocking and denying my financial freedom without reason. 
I will like you to help me because even their customer service phone number is a machine, which doesn't provide any help or option to talk to a human being which can understand this situation. 
Hopefully you can help 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 2020-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I was dealing with a financial crisis and I got into a bad situation but I made everything right by paying everything off and I was informed by doing so the creditors were going to update the 3 credit Bureau 's to " paid as agreed '' but they haven't yet and its hurting my financial future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation