vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/19 account opened with Bank of America without my consent

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 2022-10-21 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Apple is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my consumer report twice on date of XX/XX/2022 without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: CA

Complaint narrative:
Credit report inquired : Experian XXXX : XXXX XXXX I learned that this is The XXXX XXXX through XXXX Bank XXXX XXXX Inquiry date : XX/XX/2022 I have not had any contact with The XXXX XXXX or XXXX Bank in the last 6 months ( I was actually overseas on military XXXX ). 
I tried calling the phone number that appears on the inquiry log ( XXXX XXXX ), but that's a phone number for their account holders. 

I was alerted of this inquiry by email by XXXX ( I have a credit card account with them ). The inquiry came a few days after I unfroze my credit reports.

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 2022-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
I enclosed the documents in a FULLY PRE-PAID envelope provided but the UNITED STATES POSTAL SERVICE addressed to : XXXX of ( Company ) & ( XXXX XXXX Agents ) CONSUMER NOTICE OF RESCISSION OF AGREEMENT AFFIDAVIT OF TRUTH NOTICE TO CEASE AND DESIST ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT LIST OF EXHIBITS TILA CODES AND 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 2022-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
About 5-years ago, I found out that someone stole my identity and then got a factoring loan. I am a XXXX XXXX. I don't even know what a factoring loan is. 

I called the collection agency. They told me they understood it was not my loan and said they would remove it from my credit. 

Now, I am trying to buy a home and my loan officer showed me my credit. They lied to me and are still reporting it! 

There is no way they can prove to you that it is my debt because it isnt my debt. It is the thiefs debt. The collection agency has a responsibility to remove incorrect information from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 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: AFNI INC.
State: GA

Complaint narrative:
i, XXXX XXXX have never applied for credit application or any inquiry with AFNI. AFNI is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my consumer report on date of XX/XX/2020 without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
A third party company called Spring Oak Cap has posted a derogatory on my credit report and public record for a company called XXXX XXXX XXXX. It say that it was made in XXXX of XXXX but information of where and when is not accurate or related to my involvement. 

XXXX XXXX says they are part of a collection company from XXXX XXXX XXXX XXXX XXXX XXXX for a credit card I do not own. 

XXXX is also for something from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. says it was opened in XX/XX/XXXX A company called XXXX XXXX says they are collecting a debt for a XXXX XXXX XXXX. This account was closed and told not to be renewed. But the companies customer service for XXXX  aggressively did not want me to stop having coverage. I wanted my service ended. I was in a XXXX XXXX XXXX XXXX. And no longer wanted anything to do with this harsh company. My service and demand to stop service was in XX/XX/XXXX. Instead the XXXX company still charged me for another month not listening to the cancelations made from XX/XX/XXXX thru XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
Two accounts were opened in my name without my consent. XXXX XXXX was opened XXXX XXXX. XXXX was opened XXXX XXXX. Im concerned about this being on my credit report! These are unauthorized and I did not sign for them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I feel like im being taken advantage of and being ignored of my disputes. I am not receiving adequate valid verification. I have not received any documentation to corroborate the claim for this negative listing on my Early Warning 's report. I am asking to be provided with any and all documents bearing my signature that legally binds and contractual obligation for this account. Absent of these documents you are illegally reporting this negative listing and will be liable to me for the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To whom it may concern : There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Jpmcb XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Jpmcb XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look Forward to hearing your response. 


Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 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: Bepensa Capital, Inc.
State: GA

Complaint narrative:
To whom it may concern : There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Inquiries : XXXX XXXX XXXX XXXX Credito Real Usa XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look Forward to hearing your response. 


Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
A third party company called XXXX XXXX XXXX has posted a derogatory on my credit report and public record for a company called XXXX XXXX XXXX. It say that it was made in XXXX of XXXX but information of where and when is not accurate or related to my involvement. LVNV Funding says they are part of a collection company from XXXX XXXX XXXXXXXX XXXX XXXX XXXX for a credit card I do not own. XXXX is also for something from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX says it was opened in XX/XX/XXXX A company called XXXX XXXX says they are collecting a debt for a XXXX XXXX XXXX. This account was closed and told not to be renewed. But the companies customer service for XXXX  aggressively did not want me to stop having coverage. I wanted my service ended. I was in a lXXXX XXXX XXXX XXXX. And no longer wanted anything to do with this harsh company. My service and demand to stop service was in XX/XX/XXXX. Instead the XXXX company still charged me for another month not listening to the cancelations made from XX/XX/XXXX thru XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize.

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 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was going through a XXXX. I was awarded the formerly shared account from XXXX in the settlement. On XX/XX/XXXX, my now XXXX  continued to try to withdraw funds and so I decided to open a new account and just transfer the funds out. 

In the process of trying to get this open, XXXX said that they got a report from Early Warning reporting service allegedly about " an issue with a bank or financial institution ) and so a was not allowed to open the account. 

XXXX gave me the contact information for Early Warning and I immediately contacted them. I was concern with having to provide my full XXXX and to a person that sounded like they were working in some kind of XXXX XXXX XXXX XXXX 

I nonetheless went through the process and was told that I would have the report within 15 days. 

Today ( XX/XX/XXXX ) I called because I still have yet to receive any documents. When I called, they wanted me to re-provide all of the personal info. I said that I had a reference number but they couldn't find it without the personal info. I gave it and then I was told that they didn't get another form from me. 

I was never told that more documents were needed and now am waiting for them to send me the alleged needed form again. Most interesting is that they said that they needed to send this through the mail. But I only had given my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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 Systems,Inc.
State: NY

Complaint narrative:
I have contacted by ( certified mail via USPS ) XXXX and have not had this issue resolved. In accordance with the Fair Credit Reporting Act, everything reported has to be 100 % accurate on a credit report. XXXX is reporting addresses that are not accurate or relevant. I did not give XXXX permissible purpose to report false and inaccurate information on my credit report. I can not receive mail or any correspondence nor do I have access to any of these addresses. XXXX is reporting inaccurate account numbers and reporting collection accounts as " late ''. When I cross checked my credit reports the account numbers are different across all of the agencies. In my certified Letter I requested the original contract to show proof the accounts were valid. All i received was a letter saying the accounts were verified and none of the request made in the letter. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My rights have been violated under 15 USC 1681 section 602A, which states I have the right to privacy and under 15 USC 1681 Section 2 which states a consumer reporting agency may NOT furnish a credit report without the consumers written permission. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

In accordance with the Fair Credit Reporting act ( National Credit System ) has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX ) has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 

I would like compensation for the various violations on my credit report for this has had an adverse affect on my ability to obtain credit. For this i should be compensated do to their fraud and negligence. An example should be made so that no other consumer rights are violated. This is a serious matter and should be rectified asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
My original mortgage loan was transferred to Bay View Loan Servicing in XX/XX/XXXX, though I never asked to be transferred. Nothing but a horrific nightmare with Bayview to say the least. 

After much correspondence and an in person visit, there are still issues with my loan. 
Payments have been severely misapplied, even with direction as to what a Principal ONLY payment is, not interest or escrow. 

Bayview Loan Servicing changed its name to Community Loan Servicing, LLC in XXXX. My mortgage payments have been paid on time, before the due date. I've also paid more than the monthly amount due for over three years.

Bayview Loan Servicing is recorded on my property deed as of XX/XX/XXXX, and the company has not recorded anything else since that time. 

My mortgage loan was transferred to XXXX XXXX  XXXX XXXX XXXX effective XX/XX/XXXX. XXXX XXXX  XXXX XXXX XXXX is not recorded on my property deed as of XX/XX/XXXX at XXXX XXXX. 

On XX/XX/XXXX, I requested by phone to have my escrow account closed so that I can pay my property taxes and insurance myself. I was informed that my escrow account would be closed. On XX/XX/XXXX I received a letter that my PMI account could not be closed because I did not have one. I never requested information about PMI, only to have my escrow account closed. 

On XX/XX/XXXX I paid my XX/XX/XXXX Principal and Interest Only payment via online bill pay to Bayview Loan Servicing as I have done for over three years. Per a representative of XXXX XXXX  XXXX XXXX XXXX, they did not receive my XX/XX/XXXX payment. 

My XX/XX/XXXX Principal and Interest Only payment was made to XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX. 

My XX/XX/XXXX Principal and Interest Only Payment was made to XXXX XXXX  XXXX XXXX XXXX, by money order ( dated XXXX XXXX ). The payment was mailed to and received by XXXX XXXX. The money order was also cashed. 

My payments have been very specific as to what amount is to be applied to Principal and Interest ONLY and what dollar amount is to be applied to Taxes and Insurance ONLY. 

Currently, I'm being harassed by XXXX XXXX XXXX XXXX XXXX, with threatening correspondence that my mortgage is behind. Repeatedly, I have requested that my escrow account be closed, due to the fact that Bayview Loan Servicing aka Community Loan Servicing, LLC consistently misapplied my mortgage payments. 

Bayview Loan Servicing has caused nothing but undue stress from the beginning in XXXX, now I have an even worse company, that is not recorded on my deed, attempting to unnerve me to my core and fraudulently take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a bankruptcy reporting to my experian credit report. The bankruptcy is not showing on XXXX or XXXX. My name is also spelled wrong with the bankruptcy reporting to my credit report I have also reached out to the courts filed disputes and reached out to XXXX XXXX  they also are stating I do not have any public records.

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 2022-10-21 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer

Company response to consumer: Closed with explanation