vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX ( XXXX ) conducted 7 unauthorized hard inquiries on my Equifax report when I requested an increase on my credit card limit. I was not told or warned that this request would pull a hard inquiry and therefore they did it without my consent. 
The hard inquiries reported are dated below : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2019-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
In or about XX/XX/XXXX, we hired XXXX XXXX & XXXX, XXXX ( " XXXX & XXXX '' ) to assist us with recovering XXXX XXXX XXXX Working Capital rendered to XXXX XXXX aka XXXX XXXX , XXXX. ( " XXXX '' ) in the amount of {>= $1,000,000}. We agreed to secure XXXX & XXXX XXXX Attorney fees in the amount of {$200000.00} with a Trust Deed on XXXX XXXX, XXXX XXXX, CA Land on XX/XX/XXXX aka XXXX & XXXX Claim No. : 1. On XX/XX/XXXX, the XXXX XXXX County Superior Court of California entered the Settlement Agreement stipulating XXXX pay us {$260000.00} in settlement. In or about XX/XX/XXXX, upon receipt of the XXXX {$260000.00} settlement payment, we assigned the {$260000.00} funds to XXXX & XXXX for satisfying XXXX & XXXX  Claim No. : 1. Subsequent to filing our Voluntary Petition Case No. : XXXX with the U.S. Bankruptcy Court of the XXXX District of California on XX/XX/XXXX, XXXX XXXX & XXXX , XXXX formerly know as XXXX XXXX & XXXX, XXXX ( " XXXX '' ) sued us for {$570000.00} as XXXX  & XXXX  Claim No. : 2 on the Claims Register. While processing multilateral [ global ] settlements with the Trustee, XXXX has been threatening us with foreclosure attempts on our temporary offices and our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello I am writing this complaint because there is a number of things on my credit for debts that I didnt owe I am a victim of identity theft and someone has used my SSN and created these accounts I havent owned my own SS card or birth certificate I dont own a state Id as of yet I have never owned any of my personal documents I dont know how all these things are in my name I desperately need help I can be reached atXXXX my family have put things in my name in the past that wasnt me as a teen and young adult

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 2019-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Resubmitting this to fix the fair resolutions that should read * We want our property back ... 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Today we were shocked to get tones of calls that our property was sold at the auction this morning. Breaking the federal dual tracking law. They also broke Washington State law which will be another complaint. When I called PHH/Ocwen today and talked lenghty to XXXX XXXX while recording her, she just kept spinning and sent me to the trustee sales lawyer at XXXX XXXX and the county sheriff. 
When I asked her about my modification application status, she said she has nothing in file so I explained to her that when I called on XX/XX/XXXX, they told me that Ocwen had transferred my file to them PHH and they will review so the sales which was then on XX/XX/XXXX can be postponed We then received a letter dated XX/XX/XXXX that our file wasn't complete and they can't review it which again is within 15 days that Washington State requires for the review. When I called them on XX/XX/XXXX that I filed for bankruptcy which was the only way then to stop the sale, they told me that they had cancelled the sale and will review my application. So we were waiting for the follow up after ressending the whole application. She said she has nothing on file so when I asked her what document was missing per the letter their sent us on XX/XX/XXXX and she wouldn't respond. When I asked her when was the letter for XX/XX/XXXX sale send to us, she had no information to tell me and asked me to call the trustee lawyer, which again we didn't receive anything from. 

Talking to the trustee lawyer, he said the house was advertised on XX/XX/XXXX and they didn't have be sure that we received the documents postponing the sale. He then said they sent us a certified mail, which I asked if he has a day which we picked it up, he said he isn't required to know that I received it. Again we never received it. Its pretty clear that their violated Washington State RCW6124031 This is just weird, and this sounds like from a movie and we are going to fight this to our last breath. I talked to the Trustee firm to XXXX XXXX who seemed nice but it's pretty clear to me that their didn't even advertised the XX/XX/XXXX sale which beg the question on their practice stealing people 's house to the benefits of their hidden network. The property supposedly sold at {$1.00} when a similar property sold {$1.00} next door. XXXX seemed very understandable but I wonder what he doesn't know. He tells me that letters were sent to us. Who sent them and how come we never receive them and he also said they aren't required to know that we actually received them. I also spent time discussing our bankruptcy with the Trustee and he said my case was dismissed even though still active. We had some paperwork to provide to the court but they still sold the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: NJ

Complaint narrative:
On XX/XX/2019 my Capital one Credit card was billed {$13.00} for Prime Membership by XXXX XXXX which was later credited to the said account because I cancelled and joined up through a family. 
I was receiving constant notices online since XX/XX/XXXX by Capital one that my account has missed payment and later, late payment to which interest was added.I have electronically replied to these notices without any reply in return so I printed these letter written and mailed them out to the dispute department on XX/XX/2019, XX/XX/2019 and a registered mail, mailed on XX/XX/2019 with all the proof given. 
Capital one later sent my account into collection on XX/XX/2019 and reported this to the three major credit bureaus with a late payment balance of {$94.00} which they said was reported a ccurately. 
I later found out that they closed the account for being more than 90 days late. 
Below i have added the letter sent to me by the billing company .XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After receiving a new credit card with a new credit card number due to a fraudulent charge, I noticed that certain companies were able to charge my monthly subscriptions to my new credit card number without me having given them my new card information. I called both XXXX XXXX and Visa to understand why they were giving out my new credit card information to companies without my consent and they said that it was due to the VISA account updater service. I explicitly asked to opt out of this service and both companies denied my request. My credit card information is being given away to companies without my consent and although I asked both XXXX XXXX and VISA to stop this, they refuse to stop. What do I do?

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 2019-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
This is the second complaint Ive done, and the the first complaint Shellpoint Claims to not recognize me as a customer ( This complaint lists someone the company does not recognize as their customer or their customers authorized representative. ) complaint ID # XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Struggling to pay mortgage They were sold my mortgage by another company and I have not had the opportunity to verify any information for accuracy, the loan was originally started in XXXX by XXXX XXXX loans, then XXXX XXXX XXXX, and has continued to have gotten sold and Shellpoint has foreclosed it. 

Its obvious they practice doing this because they have tons on complaints ; I will continue making complaints until I am heard. ShellPoint LLC is company that should not be in business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: CA

Complaint narrative:
In2017XXXXchargedme{$1500.00}for2fraudulenttransactionsthatweren'tmadebyme.Nowafter2years,XXXXadded{$1300.00}ininterestsandfeesandsoldthedebttomultiplecollectioncompanies.Oneafteranothertriedtocollectthesameamountofmoneyfromme.2weeksago,XXXXXXXXXXXXagreednottocontactmeanymoreforthedebt.Today,ResurgentCapitalServicescontactedmetotrytocollect{$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: IL

Complaint narrative:
Transunion reported collection agencies to my Transunion credit report, so I sent 3 rounds asking for validation of debt and in return they said the debts were verified by sending bills. NO CONTRACTS WITH SIGNATURES like i asked. Please help. Attached are dispute letters i sent to Transunion and the bills and responses they sent 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 2019-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In 2017 Citibank charged me {$1500.00} for 2 fraudulent transactions that weren't made by me. Now after 2 years, Citibank added {$1300.00} in interests and fees and sold the debt to multiple collection companies. One after another tried to collect the same amount of money from me. 2 weeks ago, XXXX XXXX XXXX agreed not to contact me anymore for the debt. Today, XXXX XXXX XXXX contacted me to try to collect {$2500.00}.

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 2019-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had an issue where my checks was stolen. The person deposited my chase bank check of {$1700.00} into his account at XXXX. I filed a police report and followed up with chase bank. I dont know where the person got this check. I had not written any checks on this account for over 2 years. I had numerous conversations with my bank to try and get their help in getting the money back. They were unwilling to assist and insisted that I was responsible for safe keeping of my cheques and rejected my claim without even reaching to the XXXX bank. 
I went to XXXX and show them copy of deposited cheques and ask me to have CHASE BANK send them ( AFFIDAVIT OF FORGERY FORM ) and will reverse the funds back to my account.UNFORTUNATELY CHASE BANK REJECTED IT. 
Please am in need of your assistance to help me get my funds back. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-10 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: CITIBANK, N.A.
State: IA

Complaint narrative:
Sent in a handwritten dispute to Transunion on XX/XX/XXXX about an account on my credit report reflecting inaccurate information. The account in question is Macys /DSNB. The original dispute was regarding the high limit and close date which I disputed as incorrect. This request was sent to Macys on XXXX according to XXXX dispute department. By XXXX the account had already came back as verified and belonging to me. However I noticed a shady tactic sometime used by creditors. The account updated on my XXXX credit report also. What I discovered is that Macys/ DSNB did one of twin things. Either they re aged the account ( the account now says it was 1st reported in XXXX but I have proof from previous credit reports that it was definitely reporting before then ( see attached credit reports ). Or they deleted and then reinserted the tradeline back to my credit report making it appear as if the negative was very recent, when in fact this account was discharged In bankruptcy in XXXX of XXXX. This account has been disputed with each credit bureau and somehow Macys is able to report whatever they want on my credit bureau, without actually validating the debt or anything. They sent me no documentation, no statements, no proof at all as to how they validated the debt. The high balance was disputed and I asked in writing how they were verifying the high balance. Now, not only is the high balance unverified, they have changed the first reported date to reflect XXXX of XXXX. This information is inaccurate, along with the close date and the high balance. Can u please validate this account and show me firm proof of how the high balance was calculated and I also would like to know what XXXX, XXXX and Macys have in their files pertaining to when this account first reported because the date Im seeing on my credit bureau is not correct at all, neither are the high balance and close date! I request this erroneous information be immediately removed as it is hindering my ability to seek credit! I have already been denied loans and credit because of this inaccurate information!

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 2019-08-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: TX

Complaint narrative:
They along with federal national mortgage ( XXXX  XXXX ) illegally took our name off the title of the house at the appraisal district and pulled a fast one on me. Mr. XXXX passed away he was a veteran. I probated this estate so I inherited his house and the debt? Now they haven't honored a thing they have said. They are charging nonsense fees and saying one thing doing another. They were also suppose to give time to sell and didn't honor that? There paperwork doesn't even add up. They have lied to us numerous times. Falsified foreclosures numerous times it's not right. they have lied to me over and over. They tried to act like we didn't have a will. There are numerous people in this scandel they pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: IA

Complaint narrative:
Sent in a handwritten dispute to Transunion on XX/XX/XXXX about an account on my credit report reflecting inaccurate information. The account in question is XXXX /XXXX. The original dispute was regarding the high limit and close date which I disputed as incorrect. This request was sent to XXXX on XXXX according to Transunions dispute department. By XXXX the account had already came back as verified and belonging to me. However I noticed a shady tactic sometime used by creditors. The account updated on my XXXX credit report also. What I discovered is that XXXX/ XXXX did one of twin things. Either they re aged the account ( the account now says it was 1st reported in XXXX/XXXX but I have proof from previous credit reports that it was definitely reporting before then ( see attached credit reports ). Or they deleted and then reinserted the tradeline back to my credit report making it appear as if the negative was very recent, when in fact this account was discharged In bankruptcy in XXXX of XXXX. This account has been disputed with each credit bureau and somehow XXXX is able to report whatever they want on my credit bureau, without actually validating the debt or anything. They sent me no documentation, no statements, no proof at all as to how they validated the debt. The high balance was disputed and I asked in writing how they were verifying the high balance. Now, not only is the high balance unverified, they have changed the first reported date to reflect XXXX of XXXX. This information is inaccurate, along with the close date and the high balance. Can u please validate this account and show me firm proof of how the high balance was calculated and I also would like to know what Transunion, XXXX  and XXXX have in their files pertaining to when this account first reported because the date Im seeing on my credit bureau is not correct at all, neither are the high balance and close date! I request this erroneous information be immediately removed as it is hindering my ability to seek credit! I have already been denied loans and credit because of this inaccurate information!

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 2019-08-10 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: IA

Complaint narrative:
Sent in a handwritten dispute to XXXX on XX/XX/XXXX about an account on my credit report reflecting inaccurate information. The account in question is XXXX /XXXX. The original dispute was regarding the high limit and close date which I disputed as incorrect. This request was sent to XXXX on XXXX according to XXXX dispute department. By XXXX the account had already came back as verified and belonging to me. However I noticed a shady tactic sometime used by creditors. The account updated on my Experian credit report also. What I discovered is that XXXX/ XXXX did one of twin things. Either they re aged the account ( the account now says it was 1st reported in XXXX but I have proof from previous credit reports that it was definitely reporting before then ( see attached credit reports ). Or they deleted and then reinserted the tradeline back to my credit report making it appear as if the negative was very recent, when in fact this account was discharged In bankruptcy in XXXX of XXXX. This account has been disputed with each credit bureau and somehow XXXX is able to report whatever they want on my credit bureau, without actually validating the debt or anything. They sent me no documentation, no statements, no proof at all as to how they validated the debt. The high balance was disputed and I asked in writing how they were verifying the high balance. Now, not only is the high balance unverified, they have changed the first reported date to reflect XXXX of XXXX. This information is inaccurate, along with the close date and the high balance. Can u please validate this account and show me firm proof of how the high balance was calculated and I also would like to know what XXXX, Experian and XXXX have in their files pertaining to when this account first reported because the date Im seeing on my credit bureau is not correct at all, neither are the high balance and close date! I request this erroneous information be immediately removed as it is hindering my ability to seek credit! I have already been denied loans and credit because of this inaccurate information!

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 2019-08-10 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: MO

Complaint narrative:
My identity has been seriously compromised due to XXXX breach and my wallet being stolen..Now the after fact is a demise of unknown and unauthorized accounts reporting on my credit file. I'm demanding the immediate removal of these fraudulent accounts. I have no such contract with either of these companies. 

1 ) XXXX XXXX XXXX {$790.00} 2 ) XXXX XXXX XXXX {$2300.00} 3 ) XXXX/ XXXXXXXX XXXX 4 )  XXXX XXXX {$6400.00} 5 ) XXXX  XXXX XXXX {$17000.00}

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