vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation
State: MN

Complaint narrative:
I received two money transfers from two different places Zocaloans and AmXXXX XXXX XXXX ( per my bank ) I told my bank I had not applied for any loans, so I contacted both companies and both told me they received an application that was approved, one for XXXX  ( zocaloans and another one for XXXX ( XXXX XXXX XXXX, I told my bank I had never applied for a loan, so I called Zocaloan first and told them someone must to use my information because I had never applied for a loan with the,, and asked them what documents they had to confirm the identity of the person who was applying for a loan, I was told depends on the application they sometimes do not request documents.. I told them that was wrong they can not approve a loan with out proof of identity, I told them that is not correct, they asked to provide my debit card or account number to deduct the funds with interests and I told them I was not going to because I did not know if they were a real company and I wasn't about to give my accounts to someone I did not know, I contacted the police and they told me not to give my financial information to no one because we did not knew were the money was coming from and were was it going to., the representative told me that if i did not pay the loan interests was going to accrued by the day, I told the representative I was not responsible since I never applied for a loan with them. the companies keep approving loans to people that are using other people 's account and personal information with out requesting identity documentation, the loan number was given to me by the representative per my request

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 2020-08-13 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: NC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: McCarthy, Burgess & Wolff, Inc.

Complaint narrative:
1 ) The phone number given was never provided to either the Credit Card company and certainly not the collection agency and therefore should not be used. 

2 ) They have called at all times of the night including at XXXX and XXXX in my timezone ( I am not in the USA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX is charging me {$310.00} for an account that was closed. 

I returned the modem as soon as the lockdown in michigan was canceled. I was high risk for COVID and they would rather me risk my life than to wait for safety to return it. Its punitive!

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 2020-08-13 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: MI

Complaint narrative:
Inquiry from XXXX XXXX on XX/XX/2019. I do not remember giving authorization to this lender for this hard inquiry.

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 2020-08-13 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: NV

Complaint narrative:
Disputed 4 accounts that shows open with balances that have been paid now more than 60 days. The dispute came back as information is correct and will remain. It can not be correct if it is paid in full. I contacted all 4 accounts and they confirmed that I have no balance. How can Experian report that they checked? These are not on XXXX   or XXXX XXXX but Experian is not fixing it and it is impacting my credit score. It is over XXXX worth of incorrect debt. I am trying to refinance my mortgage. Please make Experian report things correctly. I tried the proper route of disputing the info first. I actually included a payoff letter from one of the companies.

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 2020-08-13 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: MI

Complaint narrative:
XXXX XXXX was removed from my credit report as I never had a loan with them. Theyre now reporting that loan again under a creditor called XXXX XXXX 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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX shows 4 missed payments, and then a payment in XX/XX/2020 that cleared the account, and its because the account was never late. P

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX shows 4 missed payments, and then a payment in XX/XX/2020 that cleared the account, and its because the account was never late. P

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 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I didn't receive anything and was not properly contacted to be able to dispute these charges. It just showed up in my collection and I am not sure if this is mine and the amount is very high. I don't know this. This account I can't recall must be old.

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 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ),  deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank BBVA COMPASS to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( XXXX XXXX XXXX  ) to confirm funds and to give myself peace. On XX/XX/2020 I called XXXX XXXX XXXX ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX company to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank BBVA again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by BBVA Compass. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 BBVA Compass deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/2020 I mailed dispute letters to XXXX, Transunion, and XXXX requesting that they investigate the collections on my reports. I patiently waited for a response, and constantly checked my credit reports for updates. So on XX/XX/XXXX, I decided to write them again and request that they hurry and respond because it has been 30 days since I've sent them disputes. They still have not responded and it's XXXX 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 2020-08-13 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: Tesla, Inc.
State: MI

Complaint narrative:
Inquiry from XXXX XXXX on XX/XX/2019. I do not remember giving authorization to this lender for this hard inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: MI

Complaint narrative:
Inquiry from Bank of America on XX/XX/2020 and on XXXX. I do not remember giving authorization to this lender for this hard inquiry.

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 2020-08-13 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: MI

Complaint narrative:
Inquiry from XXXX  XXXX XXXX on XX/XX/2020 and on XXXX. I do not remember giving authorization to this lender for this hard inquiry.

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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I check my credit report and notice some inaccurate information. This account is stopping me from buying my dream house. This account listed below should not be in my Credit report .I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out! 

This collection account has been paid in full and should be deleted on my Credit report ; XXXX XXXX XXXX ( Original Creditor : 09 XXXX   XXXX FL ) 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 non-monetary relief
Consumer complaint received 2020-08-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2020 I mailed dispute letters to XXXX, XXXX, and Equifax requesting that they investigate the collections on my reports. I patiently waited for a response, and constantly checked my credit reports for updates. So on XX/XX/XXXX, I decided to write them again and request that they hurry and respond because it has been 30 days since I've sent them disputes. They still have not responded and it's XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: CA

Complaint narrative:
On XX/XX/20. I spoke with 3 representatives at equifax to dispute a bankruptcy and multiple inquiries on my account which ones were from duplicate companies that I kept receiving notifications. I spoke with XXXX, whe told me that they were not allowed to give their employee ID I asked to speak to someone over her and then she notified she can get me over to another department to request a removal and then transferred me to XXXX, employee Id XXXX is what she gave me. I explained the situation to her and she wasnt much help, I asked her if she was aware of section 609 of the fair credit reporting act that states that courts do not have jurisdiction over credit reporting agencies and they do not report to the credit bureaus. So I asked her how was this information reporting if the courts did not report it. She hung up on me. I spoke with another rep which I did not receive his name at about XXXX pacific time. I asked him about the duplicate inquiries in which he told me that there was nothing he could do to remove them and that I would have to call each company individually to inquire about them I asked again to speak with a supervisor he put me on hold and 10 minutes later the prompter told me to press 1 again. The process started all over again. It has been a huge hassle dealing with Equifax for they dont even investigate as they're suppose to and they allow whatever on your report to sit there and do nothing about it. I feel my rights have been violated and I have taken every step to dispute the matter so here I am filing this complaint. Equifax does not care about the laws that govern their agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: DISCOVER BANK
State: MI

Complaint narrative:
Inquiry from Discover Financial on XX/XX/XXXX and XXXX, XXXX, XXXX. I do not remember giving authorization to this lender to do a hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 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: MI

Complaint narrative:
Inquiry from XXXX XXXX on XX/XX/XXXX and XXXX, XXXX, XXXX. I do not remember giving authorization to this lender to do a hard inquiry.

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 2020-08-13 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: MI

Complaint narrative:
Theres two inquiries from XXXX on my credit report that I do not recognize. XX/XX/XXXX and XX/XX/XXXX 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 2020-08-13 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: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
This complaint is regarding a delinquent reporting made by Santander Consumer USA. After paying this car loan for over 5 years this company is stating that the final payment on the loan was required at the maturity date there was an amount of {$100.00} that was due. I informed the office that no one sent me a letter stating that the loan was maturing and the payment would have to be made by that date because I would have sacrificed to pay it. As I informed the company we are going through a pandemic and even with the loss of income I have never been late with a payment. This reporting has reduced my credit score between 21 to 32 points amongst all credit bureaus and I contacted them and requested for this reporting to be deleted. The car has been paid off. I have explained that I am trying to financed another car because the current car is very old and is not operational. I have explained that this reporting is affecting me and they have completely ignored all request and are the least bit concerned about the issues. I have never been late with a payment, it was an oversight with the maturity date because this car was purchased over five years ago and Santander has never explained that it had to be resolved by the maturity date or else I could be impacted. Even with the pandemic they have dismissed all request. Im seeking CFPBs help in getting this matter resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I have these on my credit report reporting on my collections. I have two exact same amount from XXXX  and FRANKLIN COLLECTION SERV. I never got anything in the mail or was contacted about this. I am not sure how old this is or if it even belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Assoc, LLC  by sketchy practices is attempting to collect a debt w/out providing me or the courts the proper credentials to show that they have the right to collect a {$2100.00} amt from me. After some communications by phone to get info from me, they insisted I pay them {$2100.00}. I never heard of this company and after their threats I insisted they were not to reach me again. The harrassment continued and even disgusting things were said of my character. Thats when I knew they were a joke of a company. 
A few months later PRA, LLC has me summons to answer their incomplete case to the XXXX Judicial circuit courts. They are attempting to get a judgement against me. From what Im understanding is that I may not have responded in time to have their motion for summary judgement dismissed. Ive also petitioned for a hearing.

There are a number of violations to my rights as it pertains to the Fair debt coll laws. Tactics taken. Threats to my credit. No written notifications. No proof they own a debt I owe. Maliciously taking me to court. 
My appeal will be handled by my soon to be hired attorney. 

Who are these people and how do they own this debt and why would they think I would pay them anything? 
Im sure our phone calls were recorded on their part. So they say. I cant wait till you hear what was said to me. 

Giving this complaint to PRA doesnt sound as if they will even be investigated by you. 
Im hearing this agency has no authority to enforce rules. Will you please pass this complaint onto the authorities that can really investigate wrong doing. Get their tapes and youve got em. They recorded our conversations.

Company response to consumer: Closed with non-monetary relief