vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 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: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
My car that was leased through Lobel financial was repossessed back in XXXX. They have since sold the car to someone else. They never gave me the option to buy the car back or even let me know that they were selling it. I found out someone else had the car because I kept getting tickets sent to my address two years after the car being repossessed meaning whoever they sold it to never put the car in their name. They also never let me get my belongings that were in the car when they repossessed it. Now 6 years later Lobel keeps increasing the amount I supposedly owe them every month they increase.

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, Equifax, And XXXX have not honored my request to put a fraud alert on my account. As i curranty fall victim to there negligence Cyber criminals have stolen my identity and got Bank account, credit cards, Loans. Hacked all my Email addresses and changed security questions And I have not obtained any Support to Solve this.

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 fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, And Experian have not honored my request to put a fraud alert on my account. As i curranty fall victim to there negligence Cyber criminals have stolen my identity and got Bank account, credit cards, Loans. Hacked all my Email addresses and changed security questions And I have not obtained any Support to Solve this.

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 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
someone took out 4 credit cards from Capital One in my name i did not authorize these accounts this was a few years ago, I called capital one and disputed this as fraud and Capital one has an abstract judgement on my property for accounts that do not belong to me, these cards were removed off my credit report but there is a judgement still sitting in the courthouse and I am trying to sell my property and I can not get any help resolving a fraud issue and having this judgement released from me and my property, what can you do to help me resolve this ASAP as I am closing on my house on XX/XX/21 so this is URGENT and I do not want to pay what is not mine and have to fight harder to get it back please help

Company response to consumer: Closed with non-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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NV

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to LexisNexis, I never received a letter from LexisNexis with the dispute resolution even that now is more than 30 days that I submitted the dispute to them. Per LexisNexis agents the Bankruptcy disputed was removed from my Consumer Report, but as I mentioned before I never received a letter from LexisNexis with the dispute resolution but I did received a Consumer Report and I was able to confirm that the Bankruptcy is not reported anymore. 
After I was able to confirm that the Bankruptcy was removed I opened a dispute with XXXX, XXXX and XXXX. 
On XX/XX/XXXX I received a notification from XXXX that the dispute was completed and I got the Report # XXXX with the following resolution to my dispute : Item : Remains The company that reported the information ( LexisNexis ) has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

This is the clause in XXXX Credit report about Public Records XXXX Public Records Information If your report contains public records, the Public Records section includes items from courts that XXXX may have obtained through a third party vendor, LexisNexis Risk XXXX XXXX XXXX You may contact them at LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX, or visiXXXX XXXX XXXX XXXX 

LexisNexis and XXXX and playing games with the consumers, when I called LexisNexis about this situation they said that the public record ( bankruptcy ) was removed from my consumer report and is not longer been reported, and they also say that they don't report information to XXXX  and any other credit bureau. But when I call XXXX they say that LexisNexis is the one verifying and reporting the Bankruptcy to my XXXX Credit Report. 
I am attaching all the documents that I have to support this claim and/or complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
on XX/XX/XXXX I received a deposit in 2 amounts {$300.00} and {$250.00} like I always do every week on XX/XX/XXXX i was defrauded out of {$3500.00} now I have to fight with them to put my money in an account they had to open because of fraud like why do I have to keep going through this with TD BANK I never experienced nothing like this in my life I have spoken to them over 4x and its still not resolved meanwhile I don't have money to feed my household cause TD BANK Allowed someone to take it from me and now they are holding my money XXXX.

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: Convergent Resources, Inc.
State: OH

Complaint narrative:
We have been receiving multiple phone calls from a woman calling on behalf of Convergent Resources virtually every day for months. She is using different phone numbers, and the calls come from near the XXXX Ohio XXXX. We do not owe anyone anything on this earth and when we try to obtain information from her, she demands to know if I am some other person. She then needs information to access our files, which do not exist because we owe no one. When I contacted Convergent in Arizona the same thing happened followed by a hang up. The number in XXXX of the caller is XXXX, XXXX. We have no idea where they obtained any information on us, but we suspect our age is a factor, as we are both retired. After doing research on this company we feel there is a bigger scam going on than debt collection, why else contact people with no debt?. There are also times when they call and no one speaks, finally a women comes on, gives no ID or company name, and starts asking for people.When you question her she hangs up.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: IL

Complaint narrative:
Several unauthorized transactions from XXXX were posted against my debit card on XX/XX/XXXX, {$17.00}, XX/XX/XXXX, {$16.00}, XX/XX/XXXX, {$48.00}, XX/XX/XXXX, {$53.00}, XX/XX/XXXX, {$100.00}, XX/XX/XXXX, {$100.00}, and XX/XX/XXXX, {$100.00} for a total of {$450.00}. I do not have an XXXX account. First, I notified the Direct Express Customer Service and notified them of these fraudulent transactions. The customer service sent me a questionnaire for fraud - SR Number : XXXX and I filled out and returned to them. On XX/XX/2021, I received a form from Direct Express that they were starting the investigation. On XX/XX/2021, I received a letter from Direct Express that they completed their investigation and they could not confirm that fraud occurred and a number was provided XXXX XXXX XXXX XXXX if I wanted to receive the documents they used to make their determination. XXXX enclosed ). In the meantime, I spoke to XXXX Customer Service ( Case ID : XXXX ) and they provided me with the charges and they could not refund because it was past the 60 days timeframe. Note I did start this within the 60 days with Direct Express. After this Apple letter, I talked to Direct Express Fraud department and she requested me to write a letter to the Fraud department of the investigation and request to reopen the case and I do so. I received a letter, XX/XX/XXXX, that they had closed the investigation. Not sure if they dropped the ball and didn't follow through. Recently, I called XXXX with my friend and talked to an XXXX associate and she stated she could see the charges and they did not relate back to me, but she couldn't provide the information to who made the charges. Also, she didn't see where the bank had investigated. So here I am {$450.00} short out of my social security XXXX {$840.00} a month ).

Company response to consumer: Closed with 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company disputes the facts presented in the complaint
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filling this complaint case to make sure that XXXX  will take the necessary action regarding my concern. I have been a victim of Multimillion-Dollar Bank Fraud with the Securities Fraud Scheme of XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have attached the federal documents to review. For your reference regarding my claim. Attached is the article from the Department of Justice article regarding the crime that has been committed. 
Below are the accounts that they opened and are still affecting my credit score. Sadly, all the accounts that they opened ended up as Derogatory, Sold to Collection companies, and Paid but with multiple late payments. I need to make sure that the credit bureaus will review my account and be on top of the investigation. I already disputed this concern with the credit bureaus and still not seeing any results. The people involved in this crime pleaded guilty of their roles in the XXXX XXXX XXXX fraud conspiracy and are awaiting sentencing. I know that this situation should be handled by experts so it would be easy for these accounts to be removed from my credit report. I have been under tremendous stress because of this and I need this resolved as soon as possible. I am writing this letter with the highest urgency to be resolved. These accounts can not be in my credit file, these are the result of Financial Fraud therefore I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. 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: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
The company in question with my VA Loan is Carrington Mortgage Services. My existing VA Loan was sold to this company. I started payment with them XX/XX/XXXX. This company has so many fees and they have made it difficult to send payment to them without assessing a service fee on top of the mortgage payments. Their is a service fee to pay online with Carrington, a service fee to pay over the phone. This company should not be allowed to service veterans with VA Loans as they are stealing money from veterans when we make payments. This is a practice that is disgusting. How can I pay my mortgage without them also charging me for sending them a payment. This is asinine.

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 — Collected or attempted to collect exempt funds
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
this company produced a fake check and ran it through my banking account for {$910.00} on XX/XX/21. Ive never been contacted by this company much less taken to court. I reached out to them when i was fixing my credit we could not come to an agreement so i left it alone. My bank seen that it was fradulent and returned the money back. Now they are reporting negative remarks every month they are bullying me. When they did the fake check thing i called and said that was illegal the lady was very shady and wouldnt give her name only her intials please help this cant be acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am the Personal Representative for the estate of my father XXXX XXXX XXXX. I submitted the required Letter of Administration and Death Certificate to a Branch Associate at the XXXX XXXX Bank of America. I was informed that a member of the Estate Services Department would be in touch with me. I have not yet heard form them. 

On or about XXXX the XXXX the Estate Department froze my father 's accounts. They removed the funds from his checking. This money is the only available cash which our family needs in order to handle bills which need to be paid and other accounts settled. 

I was told this could take up to 8 weeks. During this 8 weeks, Bank of America is continuing to allow interest to accrue on the HELOC my father had with them. I can not pay this off without the funds that were in the depository account. As far as I can tell the money they are holding hostage is not accruing interest. 

This seems to be somewhat questionable as far as legally holding the money. I understand how banks work. So I know they are continuing to use the money to lend to others in order to make more money. They are also continuing to essentially charge the estate for the loan he had instead of allowing me to close this out.

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 2021-08-13 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT  # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ..XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... 
XXXX XXXX XXXX ACCT # XXXX ... XXXX  XXXX XXXX ACCT  # XXXX ... XXXX ACCT  # XXXX ... XXXX XXXX  XXXX  # XXXX ... XXXX  XXXX  # XXXX ... that are listed on my credit report. 
Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... 
XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXXXXXX XXXX ACCT # XXXX ... XXXX XXXX  # XXXX ... XXXXXXXX XXXX ACCT # XXXX ... XXXX ACCT # XXXX ... that are listed on my credit report. 
Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX 2021, at XXXX XXXX  PST, a warning alert regarding the chassis issue of XXXX Bmw XXXX came on the dashboard. Call promptly made to XXXX XXXX BMW service center around XXXX XXXX  in XXXX XXXX, CA, but service center was not open. Appointment made for XX/XX/XXXX, Monday for service drop off and the vehicle was dropped off then and a temporary loaner XXXX BMW  XXXX loaner was provided. On XX/XX/XXXX, service advisor informed owner that the car will undergo long term repair since the entire car computer ( DME ) will be replaced ( essentially a pin in the DME was bent, causing electrical shortage and the car was defective since start of lease in late XXXX ) ; it will take at least 15-20 business days since the part is backordered and imported from XXXX. On XX/XX/XXXX, owner requested alternative loaner car since now the repair is long term and asked for an equivalent car in value, especially since lease payment is on a higher priced vehicle. Service advisor stated only have Bmw XXXX and XXXX in stock and they have no control over XXXX XXXX XXXX inventory for loaners. Owner asked for adjustment to lease payment to reflect the actual vehicle used and provided. Service advisor suggested to contact BMW North America. Owner called XXXX BMW Customer Relations on XX/XX/XXXX and XXXX, a representative said this will be forwarded to the Escalation team who will contact the Service Department regarding the car history and response will be one business day. Owner called BMW Customer Relations on XXXX ( XXXX  ) and XXXX ( XXXX ), and there were no updates provided. BMW Customer Relations also could not provide any email confirmation or any written trail

that there were any follow-ups performed by BMW North America.

BMW of North America, LLC XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Customer Relations XXXX

Company response to consumer: Closed with explanation