vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-20 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: TN

Complaint narrative:
DO NOT RECALL APPLYING FOR THESE ACCOUNTS

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 2020-06-20 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: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
I did not authorize credit inquiries made by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: KY

Complaint narrative:
I have multiple fraudulent addreses, fraudulent loan information and multiple false cell phones numbers being reported only by Transunion credit r e porting agency. Also, the agency reports information from 20 years ago illegally. In addition, the agency misreports criminal information records that have dismissed, expunged or commuted. I have disputed these errors multiple times with Transunion but the company keeps reporting the bad information over and over again.. I have believe Transunion has been part of class lawsuit before for misrepresentation.

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 2020-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
DO NOT RECALL APPLYING FOR THESE ACCOUNTS

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 2020-06-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
DO NOT RECALL APPLYING FOR THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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 monitors my credit report for a monthly fee. I received a notice today from my XXXX XXXX  line of credit reducing my line of credit by XXXX due to XXXX/XXXX XXXX XXXX  reporting a mortgage loan on my credit file with Experian. I have provided Experian with numerous two separate police reports and letters disputing this account as Fraud. The account is updated and then shows up again when Experian has removed it due to fraud. Now whenever I try to dispute the item I am told to call in. When I call their fraud specialist and leave my number as told I am never called back. Whenever I try to dispute the item online I am denied saying that I have disputed the item before and Experian does not have to allow me to dispute it again. How is it I can not dispute a fraudulent item? I have called and called and called and each time I think I am to someone that can help me I am disconnected or not allowed to speak to anyone but I can leave a message? WHY AM I NOT ALLOWED TO DISPUTE A FRAUDULENT ITEM WHEN I HAVE PROVIDED TWO SEPARATE POLICE REPORTS TO EXPERIAN.

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 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XXXX XXXX XXXX is actively/fraudulently reporting to XXXX  & the credit agencies a debt that I do not owe. XXXX XXXX XXXX purchased a CLOSED collection account from SPEEDY CASH. SPEEDY CASH reported the closed account balance as {$1500.00} before selling/ transferring the account to XXXX XXXX XXXX ... XXXX XXXX XXXX has now duplicated the original CLOSED SPEEDY CASH ACCOUNT # XXXX And reported this 5 year old closed duplicated speedy cash account to XXXX  as a new/recent collection account. This is a blatant credit reporting of misinformation. XXXX XXXX XXXX  is Knowingly.willfully and recklessly reporting false information to purposely damage my credit. REPORTING LATE PAYMENTS ON A CLOSED ACCOUNT IS A VIOLATION. XXXX XXXX XXXX  REPORTING THAT {$1500.00} IS PAST DUE -IS A VIOLATION. ONLY THE ORIGINAL OWNER MAY REPORT A BALANCE. XXXX XXXX XXXX  RE-AGING THE ACCOUNT IS A ABSOLUTE VIOLATION. XXXX XXXX XXXX   PURPOSELY REPORTING INACCURATE INFORMATION TO DAMAGE MY CREDIT is also a violation. I will not allow XXXX XXXX XXXX  to use these illegal bullying practices against me. I will share my concerns with the Texas Governor in a written complaint along with recording a complaint with CFPB. I hope to save other unsuspecting consumers from silently endearing this illegal coercion and bullying tactic from XXXX XXXX XXXX. I will pursue my rights to hold XXXX XXXX XXXX accountable for the companies deceptive malicious tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hi! I signed up for this card due to the {$250.00} promotional bonus when you spent a certain amount of money by the first few months. I tried to spend the {$1000.00} and thought I had successfully done so! it was the day of the deadline to spend, so I thought I would grab some gift cards. YOu can check the attempted transaction records for proof! But for whatever reason, this gift card site did not process the transaction. I went to bed that night and didn't realize until the next day. This has made me super unhappy and I just want someone to make it right because it wasn't my fault. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I purchased a new vehicle at XXXX XXXX XXXX XXXX. I signed all this paperwork and they gave me a hard to read triplicate copy. After two months of not getting my license plates, I went down to the California Department of Motor Vehicles and discovered that all the contracts had an address that doesn't even exist, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. My address at the time was XXXX XXXX XXXX # XXXX, XXXX XXXX, Ca XXXX. 

I happened to have ordered personalized plates so the DMV to comply with the temporary plate law assigned that personalized plate to my vehicle, a XX/XX/XXXX  XXXX XXXX XXXX and told me that the plates were probably returned to the dealer. So I called the dealer, which transferred me to the " DMV DESK '' and never got back to me. I went back to the DMV to try to find the plates and to this day, I do not know where they are at and the DMV offices are closed due to COVAID. I have been on hold for hours with the DMV trying to get an appointment somewhere because I do not want these personalized plates on my car. 

I told SANTANDER that I never lived at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX and why do we spend so much time underwriting a loan where they are receiving 24.19 % interest rate but can't assist me in finding the plates. Why wasn't this contract mistake discovered at funding? Isn't that something to underwrite besides a consumers income, assets or REG B? Its on everything, even the GAP insurance contract. NO ONE CAUGHT IT, TO THIS DAY. 

I feel like the collection calls are unfair and I am not going to make any payments until I get the license plates due to your error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not authorize credit inquiries made by this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I did not authorize credit inquiries made by this company

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 2020-06-20 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:
EXPERIAN neglected to verifyValidate the account from XXXX XXXX XXXX before placing that heavily manipulated inaccurate account on my credit report. XXXX XXXX XXXX XXXX was the original debt collector for the account # XXXX that reported a past due balance of XXXX. The ORIGINAL CREDITOR is/was XXXX XXXX. This closed XXXX XXXX account was originally DELETED from my credit report. After the deletion XXXX XXXX XXXX   purchased the CLOSED DELETED XXXX XXXX  ACCOUNT # XXXX from XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX THEN RE-AGED the 5 year old CLOSED/DELETED/XXXX XXXX account # XXXX and reported this transparently manufactured Cliosed/ Deleted XXXX  XXXX  account to EXPERIAN and the other credit agencies as a NEW/RECENT COLLECTION WITH A PAST DUE BALANCE CLOSED ACCOUNTS MAY NOT BY LAW REPORT BALANCES AS PAST DUE. XXXX XXXX XXXX MAY NOT LEGALLY REPORT A PAST DUE BALANCE OF {$1500.00} due. Because, The ORIGINAL CREDITOR XXXX XXXX originally reported a past due balance of XXXX. That is double jeopardy. ONLY ONE CREDITOR MAY REPORT THIS past due balance. Because XXXX XXXX first reported the {$1500.00} past due balance. Any following debt collectors are EXCLUDED from reporting this XXXX dollar past due balance. It is illegal to RE-AGE accounts. It is a violation for EXPERIAN to not independently investigate the dispute that I submitted relating to XXXX XXXX XXXX. It is a violation for EXPERIAN TO REPORT INACCURATE ACCOUNTS/ INFORMATION on my credit report. EXPERIAN has gotten extremely comfortable with ignoring the FCRA regulations/ and guidelines in which EXPERIAN must abide/adhere to. EXPERIAN reckless credit reporting and mishandling of my disputes is gross negligence. I will continue to dispute this and any manipulated flawed doctored account until it is correctly and permanently removed. EXPERIAN should be held accountable for purposely/knowingly assisting in damaging my already fragile 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 2020-06-20 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: U.S. BANCORP
State: TX

Complaint narrative:
I did not authorize credit inquiries made by this company

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 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
XX/XX/XXXX The National Credit Adjusters placed a opened account of XXXX dollars On my credit making made a derogatory mark on my credit history. During that time I received no notice during that time and was not aware it was on my credit until XXXX at that time I attempted to contact the agency and was unsuccessful, Ive attempted to dispute it with XXXX  XXXX  but the account has still reported derogatory remarks on my credit. It has been over six years that this has been on my credit report. Ive never received a letter, a call or any communication about this debt to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMA Alliance, Ltd.
State: IL

Complaint narrative:
On XX/XX/2019 I received a notice in the mail from FMA Alliance , Ltd a debt collection company and they are attempting to collect a false debt. FMA admits to being a third party, and I never gave them consent to have my location information. My consumer rights have been violated and I demand to receive remedy for each of the cited violations. There are a total of six ( 6 ) violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I saw an email today from B of A saying one of my cards had been cancelled with no explanation OR warning. Accessing my online account confirmed this. 

I spoke to two B of A representatives by phone ( both were nice, professional, and as helpful as they were able to be given B of A 's policies. One was name XXXX or XXXX ). I was told that the account was closed because it had not been used in over a year and there were concerns about fraud etc. He even tried to say that COVID-19 was somehow was relevant regarding fraud. It should be known that at no time was the card ever lost, misused, or had a single questionable/fradulent charge. In fact there were no charges. I was also told the the account could not be reopened once it had been closed and that my only recourse was to apply and receive a card via a new account. 

This is unacceptable on a number of fronts. I only carry 3-4 credit cards/accounts. I do this by design as I don't want many accounts. Two of my cards/accounts are/were with B of A. The closed account in question was open in 2005. Now my credit score may be negatively affected by having an account closed, then further negatively affected with a new account to replace the closed account. The new account ( being new ) will not have the positive affect that the XXXX year old account had on my credit rating. Do you see how this may be an issue for your customer?? I now have less credit available to me at a time when I may need it. 

Worse, there was no warning that this would happen. No one from B of A called, texted, or emailed saying this would be done if I didn't use the card by XXXX date. I could easily have used it with some notice and avoided this. Now that's done, you have no mechanism to undo or fix the damage. While I am sure that this contingency is probably allowed, and I have implicitly agreed to it by checking a box or that it is buried in a terms of service agreement ( pages upon pages of small font legalese ), this is unacceptable from the consumers point of view.

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 2020-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX, Lending Officer, Bank of America, NMLS #  XXXX, XXXX, declined to process my refinance application because I was self/employed. I applied elsewhere and immediately was accepted and received a refinance at the best rate. I believe his declination was a pretext. I ask that this complaint be placed in his personnel file and with the bank.

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 2020-06-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I did not authorize credit inquiries made by this company

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 2020-06-20 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 — Problem with personal statement of dispute
Company: MoneyLion Inc.
State: OH

Complaint narrative:
This MoneyLion Plus loan for {$500.00} fell behind after job loss. This company used the MoneyLion Plus app, and requires a subscription service to access these {$500.00} loans that can be repaid and taken out repeatedly. The service advertises that the membership can essentially pay for itself by having you deposit money into an investment account. 

Due to job loss, I was no longer able to pay for their membership and unable to access the details of my account. After some time, the company sent me a notification around XXXX of XXXX that funds from my investment account were used as a payment for the loan. From then on to XX/XX/XXXX, I had received no correspondence by email or physical mail to my address regarding this account. 

As such, I filed a dispute with XXXX, XXXX, and XXXX   with regards to this account because it had not reported any payment history since XXXX of XXXX. On XX/XX/XXXX in response to my dispute, MoneyLion reported 13 consecutive missed payments to my report, all but 3 reported as 120 days late. Some payments are egregiously reported as 120 days late such as XXXX and XXXX of XXXX, even though 120 days has yet to pass from those time periods. 

On XX/XX/XXXX, MoneyLion was paid {$230.00}, the remaining balance on the loan upon discovering the payment history update to my reports. I explained to a representative the situation that I received no notifications or notices regarding the status of this account until this very dispute and I was directed to a form for them to perform an investigation. I had asked for adjustment to the report due to the unfair and egregious reporting. 

On XX/XX/XXXX, MoneyLion 's team responded back via email with an aggressively worded response, stating that no adjustments will be made and that they " will not respond to further request that is substantially the same as the previous request ( s ) submitted by you or on your behalf ''. 

I fully acknowledge that my financial situation at the time did not allow me to make payments as agreed. However, once my account had fallen behind, the company made no attempt contact with me for over a year to address my account after my investment account had paid for it. To report no information on my reports in that entire time frame until a dispute was filed feels incredibly aggressive and egregious considering the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX  neglected to verifyValidate the account from NATIONAL CREDIT ADJUSTERS before placing that heavily manipulated inaccurate account on my credit report. XXXX  XXXX XXXX XXXX was the original debt collector for the account # XXXX that reported a past due balance of XXXX. The ORIGINAL CREDITOR is/was XXXX XXXX. This closed XXXX XXXX account was originally DELETED from my credit report. After the deletion NATIONAL CREDIT ADJUSTERS purchased the CLOSED DELETED XXXX  CASH ACCOUNT # XXXX from AD XXXX XXXX SERVICES. NATIONAL CREDIT ADJUSTERS THEN RE-AGED the XXXX year old CLOSED/DELETED/XXXX XXXX account # XXXX and reported this transparently manufactured Cliosed/ Deleted XXXX XXXX account to XXXX  and the other credit agencies as a NEW/RECENT COLLECTION WITH A PAST DUE BALANCE CLOSED ACCOUNTS MAY NOT BY LAW REPORT BALANCES AS PAST DUE. NATIONAL CREDIT ADJUSTERS MAY NOT LEGALLY REPORT A PAST DUE BALANCE OF {$1500.00} due. Because, The ORIGINAL CREDITOR XXXX XXXX  originally reported a past due balance of XXXX. That is double jeopardy. ONLY ONE CREDITOR MAY REPORT THIS past due balance. Because XXXX XXXX first reported the {$1500.00} past due balance. Any following debt collectors are EXCLUDED from reporting this XXXX dollar past due balance. It is illegal to RE-AGE accounts. It is a violation for XXXX  to not independently investigate the dispute that I submitted relating to NATIONAL CREDIT ADJUSTERS. It is a violation for XXXX  TO REPORT INACCURATE ACCOUNTS/ INFORMATION on my credit report. XXXX  has gotten extremely comfortable with ignoring the FCRA regulations/ and guidelines in which XXXX  must abide/adhere to. XXXX  reckless credit reporting and mishandling of my disputes is gross negligence. I will continue to dispute this and any manipulated flawed doctored account until it is correctly and permanently removed. XXXX  should be held accountable for purposely/knowingly assisting in damaging my already fragile credit report.

Company response to consumer: Closed with explanation