vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 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: GA

Complaint narrative:
I recently checked my credit report and Experian is reporting incorrect info on my report that does not belong to me. This account belongs to a family member with the same name that lives at a different address. The following account does not belong to me and needs to be removed immediately : 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 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I hired a lawyer to send out cease and desist notices to this company, but they still are still harassing me with their constant phone calls. I can not use my XXXX  number anymore ( I live in XXXX and the alleged debt they are trying to collect is in the XXXX ). Cybersecurity experts at both XXXX XXXX and XXXX have determined definitively that perpetrators cloned my computer and did more than simply stealing of my name and social security number, yet this unscrupulous company XXXX XXXX XXXX continues to harass me. My lawyer has demanded that they remove this from my XXXX, XXXX XXXX, and XXXX  files, but this XXXX XXXX is relentless. My assessment is that they are sociopaths or perhaps suffer from malignant narcissism. Whatever their disorder, they appear to have no conscience.

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 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: NM

Complaint narrative:
To their credit, Waypoint Resource Group LLC paid attention to the cease and desist letter my lawyer sent. Cybersecurity experts at both XXXX XXXX and XXXX have determined that perpetrators cloned my computer. This is a much bigger problem than a criminal stealing your name and social security number. My legal representative has contacted Waypoint Resource Group LLC and demanded that they remove the collection from my consumer credit reports, but this company is unrelenting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Avid Acceptance, LLC
State: OH

Complaint narrative:
There are hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. 

Below is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXX - 2 inquiries on Same date! 
XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX  report. 
Avid Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
Our mortgage payments with Loan Depot have never been late nor missed. Until XXXX, our payments were made through an electronic debit from our banking institution. Payment for XXXX was posted and processed. Payment for XXXX was processed as a second payment for XXXX, which I was initially told my banking account was closed. I received and sent verification my account was active and never closed. Since the XXXX payment was posted as a second XXXX payment, it has been showing our mortgage is one month behind. I have ongoing emails, expressed mailing and faxed verification to rectify this problem. My bank account has been active since XXXX. Verifiable transmittal reports for XXXX and XXXX, and check tracer numbers for XXXX and XXXX have been submitted. Loan Depot continuously call and harass us even for the XXXX payment, which was paid via on line and show posted from checking account on XX/XX/XXXX. Again, I have sent the check tracer numbers and have continuously tried to show my account was never closed, nor were there funds reversed or my payment refunded back to my account. XXXX and XXXX mortgage payments have been made. XXXX payment was sent expressed mail and noted specifically for XXXX payment, yet Loan Depot processed it as XXXX 's payments and now our account reflect our XXXX payment is due when it should not be. All payments have been processed, we never missed a payment, my account has never been closed. I have continuously been receiving collection calls after requesting to speak with supervisor with Loan Depot. Verifiable payments, banking transactions and statements shows active account with confirmation of faxes with documents from my banking institution have all gone unresolved. My mortgage is not late, never have been. The error is : The mortgage company processing department applied the XXXX payment to XXXX 's payment which had already been received and processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a credit card in my name but altered misspelled. A business account that I dont own and the name is misspelled but has my addresses. They are also trying to forward my mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NC

Complaint narrative:
Receivied phone call ( XXXX ) XXXX True Accord. 
I do not owe anyone any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
Letter from Pacific Retrieval LL.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX was issued XX/XX/2021 stating that their is debt owed to the client, XXXX XXXXXXXX from a car that I have sold to a private buyer months ago. For an amount of {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: TIDEWATER FINANCE COMPANY, INC.
State: OH

Complaint narrative:
There are hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. 

XXXX  is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXX - 2 inquiries on Same date! 
XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX Tidewater Motor Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
There are hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date.

Below is a list of inquiries on XX/XX/2020 on my XXXX  report. 
Consumer Portfolio S - 2 inquiries on Same date! 
XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Portfolio Services XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: PRESTIGE FINANCIAL SERVICES INC
State: OH

Complaint narrative:
There are hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. 

Below is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXX - XXXX inquiries on Same date! 
XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prestige Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I requested the assistance of a family lawyer through a website called XXXX to represent me in a legal case regarding my daughter in Kentucky who was taking illegally by the non custodial parent in Kentucky that has a history of abuse and XXXX  XXXX. The website was " hacked ''. One of the lawyer 's profile contact information was changed to the cell phone number of XXXX XXXX. After I posted the request for a lawyer, Attorney XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, telephone ( XXXX ) XXXX ) contacted me in Kentucky from Florida by phone. He alleged he was matched through the website, when he was not. I soon realized he did not practice Interstate Custody at all and he had alleged paralegal with an outdated XXXX  email address put my name in a printed form that take about 2 minutes type asking to filing an incorrect form falsely stating on the abusive non-custodial parent 's behalf that he had been listed on the Kentucky birth certificate and had been verified as a parent when XXXX XXXX is not listed on the birth certificate and has not submitted to any blood testing. I refused to sign the motion and I refused to sign the legal contract because the documentation was fraudulent. XXXX XXXX lied he performed an estimated {$800.00} of legal work when no court motion was never filed. XXXX never represented me court and never made any calls on my behalf. He did not access to original family court case miles away in XXXX since I never signed a contract and never signed a " Release of Information ''. He sent text messages claiming he put {$200.00} refund in the mail to me and lied to t he bank Capital One using counterfeit documents that he completed {$1000.00} worth of legal services when he did not. He never mailed me any copies o any motions in the mail and he never performed any type of beneficial legal service on my behalf. He lied he was a member of a legal directory with XXXX XXXX, when he was not a member. The Capital One investigation # is XXXX. Capital One refused to reverse the reversal even though XXXX could never prove he mail a refund as alleged and the official court records of XXXX XXXX XXXX clearly shows XXXX never filed any motion on my behalf and he never represented me in any court case. He never performed and beneficial service. I have showed screen shots showing the XXXX XXXX website had been illegally hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After I requested BofA accommodate my XXXX, they told me they had 30 days to serve the XXXX after the XXXX request equal access. This was confirmed via bank reps and reps at XXXXXXXX XXXX XXXX XXXX contractor. Why cant the XXXX be served the same day as able bodied people? Why do I need to wait just because I am 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 monetary relief
Consumer complaint received 2021-08-12 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: OH

Complaint narrative:
There are hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. 

Below is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXX - XXXX inquiries on Same date! 
First Investors Financial Below is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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:
I pulled my credit report a few months ago and realized inquiries reporting that I didn't contribute to. I have disputed the inquiries with the all three credit reporting agencies because i have never done business with the said companies and Equifax is the only company that refuses to remove the inaccurate information. Each time i've disputed, I receive what seems to be an auto generated response, which means that the items haven't been investigated. The following inquiries are : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
This complaont is about loancare, a servicer for XXXX XXXX. I have been on a forbearance with covid and loss of income over the last year. I finally was ready to modify my loan, which was the only option because I didn't have all past due available from forbearance. I was mailed a packet. My wife and I filled it out promptly and mailed and XXXX and faxed it back. They claim to have been missing information. But the time we sent said information that we were never told about, they closed our application. We started a new application. We did the same with updated bank statements, paystubs and everything required. They claimed to not have gotten out information when I called several weeks later. We have a copy of the signed certified mail saying they received the complete packet. We also faxed these documents to the number they provided. A month later they claim our information is outdated and missing documents when we know for a fact that we sent all of what they are asking for. They are rude and fighting me every step of the way and all I want tondo is get back on track. We are in constant fear of foreclosure and fees they are charging. I've taken tome off of work to deal with this company, I've lost time at work because of XXXX from dealing with this company I am at a loss on what to do with them. I even have another company that will refinance once the mortgage is current but I can't get it current until the loan modification is completed. I need help dealing with this company and they are not providing any useful contacts.

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 2021-08-12 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: GA

Complaint narrative:
Back on XX/XX/2021, I contacted Equifax & submitted legal documentation regarding the 5 public records ( bankruptcies ) they have listed on my consumer report which Equifax obtained from XXXX XXXX. I informed Equifax & provided documents stating that these 5 public records needed to be removed as XXXX XXXX is committing several FCRA violations. Thus far, Equifax has refused to remove those accounts. At the same time that I contacted Equifax, I also contacted XXXX XXXX directly and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from the XXXX XXXX on XX/XX/2021 via the complaint that I also filed with the Consumer Financial Protection Bureau. And within that response they stated that the 5 public records referenced on my Equifax consumer report have now been removed from their database. Additionally, XXXX XXXX also responded via hard copy through the US Postal Service via mail dated XX/XX/2021, again stating that the 5 public records have been deleted / removed from their database. Therefore Equifax immediately needs to delete / remove this now fraudulent public records from my consumer report within their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: CA

Complaint narrative:
There is one account on my account and XXXX inquiries on my experian account I have not approved used or signed for these I dont know what these are I need them removed asap!!! 

ACCOUNT XXXX XXXX - Acct # XXXX XXXX {$450.00} Opened XX/XX/XXXX Inquiries Creditor Name : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : US SM BUS ADMIN XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this 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 non-monetary relief