vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 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: OH

Complaint narrative:
There were not payment required from XX/XX/XXXX until XX/XX/2020 due  the virus ; however, XXXX is showing late payments for XX/XX/XXXX and XX/XX/XXXX. I was never late and I'm requesting METHOD OF VERIFICATION AND PRECEDURED USED FOR VERIFICATION. PER MY RIGHT.

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 2020-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I went to the XXXX. My insurance copay was {$200.00}. I paid it. The XXXX XXXX inappropriately billed me {$520.00}. I knew it was not my responsibility, but I called my insurance company to ask about it. They said that the bill was not billed right and that it was not my responsibility. This was in early XX/XX/XXXX. Then, I received a bill for {$520.00} from the XXXX XXXX later in XX/XX/XXXXand XX/XX/XXXX. I sent them a copy of the statement which said that the customer does not have the responsibility of paying the bill. Then, I began receiving bills from AR Resources, a debt collector. I called them in XX/XX/XXXXand explained that I had already tried to resolve this matter several times before. Their comment was, " If you had taken care of this before, I wouldn't be contacting you now. '' Ever since that conversation, their company calls me multiple times a day every day! I called them again on XX/XX/XXXX and stated that I never was supposed to owe this amount. I sent a letter as well as the insurance statement saying that after meeting my copayment of {$200.00}, I had no more patient responsibility. I am still receiving multiple calls every day pertaining to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I need my pic account to link to my employer 's so I can get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: TX

Complaint narrative:
XXXX  XXXX  is not mine FTC violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are three private companies that I don't have ANY notarized agreements with, collecting my data and reporting it every month. Transunion, XXXX  and XXXX. All three companies have proved that they are incapable of securely warehousing information. Why do these companies get my financial data, only to lose it? I did not agree to having my data collected by them at any point, why can't I opt out? 
These bureau 's serve no purpose and need to go.

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 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
Booked vacation through XXXX on XX/XX/XXXX using delayed payments. First Payment was {$190.00} on XX/XX/XXXX Followed by Payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. & XX/XX/XXXX for {$310.00}. Used XXXX  debit card to make payments. On XX/XX/XXXX received provisional credit for payment made on XX/XX/XXXX for XXXX. On XX/XX/XXXX filed complaint to bank for goods or services not rendered. My trip was booked for XX/XX/XXXX. Bank tells me past 60 days denying my claim. My understanding is XXXX has 120 day time limit from time of service date Out {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: TX

Complaint narrative:
XXXX  XXXX  is not mine FTC violations

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 2020-08-04 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: TX

Complaint narrative:
XXXX  XXXX  is not mine FTC violations

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 2020-08-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX  XXXX  XXXX  and XXXX XXXX  Also inquirys on all 3 cresit reports that has expired they have not remove onve account with XXXX  on my credit for a loan amount of XXXX had been paid off and in full the other amount for XXXX also was on there inaccurate never got that money from them they still reporting it was accurate have a email from XXXX  coperate supervisor saying they dont send proof of it been paid off they send emails i have proof of that as well all this happen from XX/XX/XXXX til today XX/XX/XXXX the. All 3 credit reprting agency will not dispute my debt with XXXX  XXXX  and remove it off my credit it was paid in full its hard to get them people on the phone with all 3 reporting agencies they messed my credit score up not giving proper credit to me for inquires being remove n wont dispute credit inquirys im unaware of my last four of ss # 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 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MY CAR LOAN IS NOT SHOWING ON MY CREDIT REPORTS PLEASE UPDATE MY INFORMATION 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 explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2020, there was a hard inquiry made on my credit report from US SM BUS ADMIN ODA. I am not a small business nor have I ever applied for a small business loan for disaster recovery due to COVID like online sources say this would be for. I followed all directions of Experian and would like this removed as it also impacted my credit report negatively. I have a fraud complaint pending with OIG also for this issue.

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 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My father recently passed away and both my mother and myself have been dealing with Bank of America and have had a terrible experience. My mother had submitted my dads death certificate for her checking and savings account and then asked for both my sister and myself to be listed as co-owners in the case that anything happen to her so that we can easily pay her bills and have access to her funds. On multiple occasions my mother reiceved incorrect information that was VERY unclear. They had advised my XXXX year old mother to come into the branch during Covid numerious times and were sending her to different branches as either they were suddently closed or had no appointments. The banks policy is to have all three of us in a respecitve branch in the different cities we live in at the exact same time again all during COVID to make this happen. No exceptions were to be made. After we had finally coordinated this in the branches and submitted the paperwork that was needed, my mother recieved her check book incorrect and MY ATM card at her address. After my mother being extremely upset that she has no checks to use to now pay her bills, she asked me to make yet another appointment to go back to the branch again ALL during covid. Now after multiple attempts on Bank of America 's website every branch that i tried is now saying they are no longer taking appointments. So now she has no access to her funds as her checks are incorrect as the owner of her account has been switched from herself to me AND she is unable to locate a branch that is taking customers. How can these branches close whenever they feel like however ask my XXXX mother to drive all over Florida to find one that is open to then get incorrect information. Something needs to be done, BofA has TERRIBLE customer service.

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 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
MY CAR LOAN IS NOT SHOWING ON MY CREDIT REPORTS PLEASE UPDATE MY INFORMATION 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 explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
MY CAR LOAN IS NOT SHOWING ON MY CREDIT REPORTS PLEASE UPDATE MY INFORMATION THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: IL

Complaint narrative:
I have written letters through Federal Trade Commission due to identity theft, advises verbally that these accounts are result of ID theft and requested it be blocked and stop reporting. I have submitted disputes and provided my Drivers License and FTC REPORT # XXXX. This company continues to report these multiple accounts with the knowledge it is a violation of the federal law.

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 2020-08-04 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: MD

Complaint narrative:
On XX/XX/2020 I applied for auto financing through XXXX XXXX XXXX XXXX. They provided me a credit score of XXXX- source Equifax . I contacted Equifax to verify my low score though myEquifax and through customer service. I was giving a score of XXXX through myEquifax. I asked the customer service person what the discrepancy to my score. He mention that the lenders are using different scores. I told him that the score source came from Equifax. He proceeded to sell me a premier service - this is the only way to get a good score. I told him how could I purchase a premier service if i can't get a true score from you now. 

If these credit company are providing credit numbers that are different for the consumer and lenders how am I to get credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: IL

Complaint narrative:
I have written letters through Federal Trade Commission due to identity theft, advises verbally that these accounts are result of ID theft and requested it be blocked and stop reporting. I have submitted disputes and provided my Drivers License and FTC REPORT # XXXX. This company continues to report these multiple accounts with the knowledge it is a violation of the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have written letters through Federal Trade Commission due to identity theft, advises verbally that these accounts are result of ID theft and requested it be blocked and stop reporting. I have submitted disputes and provided my Drivers License and FTC REPORT # XXXX. This company continues to report these multiple accounts with the knowledge it is a violation of the federal law.

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 2020-08-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TFC Credit Corporation of California
State: TN

Complaint narrative:
I attended a fraud college for one day XX/XX/2020. I got false information didnt know I was signing up for a loan. I was in a car accident same day was not able to get around so I withdrew due to lack of reliable transportation. I withdrew from the school the proper way and returned the books I received and then I started getting calls from TFC stating I owe almost {$700.00}. I didnt understand how because I only attended the school for one day. The loan company is extremely rude and will not compromise on any thing all they want is money that I do not owe. I had a bad feeling about the school and I was right because now the school is under investigation for fraud. The owner has been scamming students to pay out of pocket when the school is federally funded. The loan company TFC has to also be a scam because there no way I owe almost {$700.00} and I didnt attend the school. They have reporting false information to the credit bureau and it has effected my score in a negative way tremendously. Please help I am going through a hardship and I was already ripped out of {$1000.00} out of pocket tuition payment that the healthcare institute ( in XXXX, TN ) wouldnt refund me back. Please tell me what I would need to do to stop this inaccurate reporting. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC prevents linking customer accounts to online financial services accounts. This prohibits PNC customers to be able to do online transfers through third-party providers such as XXXX. PNC customers should have the right to these services like any other XXXX XXXX   customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Braviant Holdings, LLC
State: MO

Complaint narrative:
On yesterday XX/XX/20 Ive received a phone call from XXXX the rep did not state her name nor where she was calling from. The lady verified the last 4 of my ssn and stated that she was calling from Balance loan. I attempted to explain that I can not pay back the debt due to my being laid off due to covid. I informed the rep that I have limited income of {$130.00} per week and that not enough to pay anything. The lady then began to questioned me about a vehicle that is listed in my name and started to threaten me talking about collateral. When I asked the name of the company she would not state the info nor her name. She also threatened me to say that the docket was on her desk to have me prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
When I tried to link my bank account I've got an error that PNC Bank did not let me to link my account and the only option to fix this was filing a complaint. 
Here is the message : PNC has made a change that prevents you from being able to link your account. File a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My Bank of America credit card was paid in full prior to the payment due date. There was no balance or payment due ; however my checking account was debited for {$140.00} on XX/XX/XXXX, after the full balance was paid on XX/XX/XXXX. On or around XX/XX/XXXX I noticed my account had a credit balance in the amount of {$140.00} and saw it had been withdrawn from my checking account without my knowledge. 

I called Bank of America immediately and requested a refund and was told it would take up to 7 days. After 7 days I checked my account and there had been no activity. My credit card account still showed a credit balance of {$140.00}. 

I called Bank of America again to ask why I had not received my money back and was told it takes up to 14 business days ; now twice as long as I was initially told. 

Today, I checked my account again and there is still no activity. I still have a credit balance of {$140.00} on my card. I called back a 3rd time and today was told it takes 30 business days for the refund to process. 

This is beyond absurd and completely ridiculous. At no point in time has anything taken 7, 14 or 30 business days to reflect on my account. Payments made from my account take 1 day and I am now being told that it will take 30 business days to have the money to be refunded, which was never authorized to be withdrawn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04 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: Global Lending Services LLC
State: SC

Complaint narrative:
I have 2 issues here. The first in the incorrect reporting to the credit bureau and the 2nd is the unlawful charging of simple interest on the loan. 

I Paid on account on XX/XX/2020. I have a receipt showing that the payment was made XX/XX/2020 and the company states that the payment was made on XX/XX/2020. My payments are due on the XXXX of each month and should not roll 30 days late until after the XXXX of the month. I have tried reaching out to the company regarding this issue and has spoken to management ( XXXX ) who stated that there were some errors in reporting on my loan. 

If the company is posting payments the days after the payment is made, they are collecting interest that is not due to them. 

I would like a full review of my account and corrections made to my credit report and all unlawful interest credited back to the loan.

Company response to consumer: Closed with explanation