vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Law Offices of Les Zieve
State: CA

Complaint narrative:
ATTORNEY MISCONDUCT COMPLAINT Date : XX/XX/XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Servicer : XXXX XXXX XXXX XXXX  Trustee : XXXX XXXX XXXX XXXX XXXX  TO WHOM IT MAY CONCERN : My name is XXXX XXXX XXXX, I am the Trustor for this property.

My representative_XXXX  called XXXX XXXX XXXX XXXX XXXX XXXX talked to XXXX XXXX Trustee Sale Offcer on XX/XX/XXXXand gave him the information that the Temporary Restraining Order ( TRO ) is granted, requested him to postpone the sale, he said that he does not know that he can postpone it, he need to contact the loan servicer_XXXX XXXX XXXX XXXX XXXX ( XXXX ) to find out how they want to proceed the sale even he know that the TRO is granted.

My representative_XXXX  called XXXX XXXX XXXX XXXX XXXX again and talked to XXXX XXXX and noticed her about the TRO, she said the sale date isXX/XX/XXXX nothing changes. She said that if I need more information I need to submit it in writting.

XXXX called XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXat XXXX talked to to XXXX XXXX Trustee Sale Offcer to notice him that the borrower reinstated the loan, wire amount is {$190000.00}. He confirmed that the sale date is XX/XX/XXXX at XXXX.

XXXX  called XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXXtalked to XXXX XXXX  confirmed the sale is active, sale date is XX/XX/XXXX at XXXX.

XXXX called XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX talked to XXXX XXXX confirmed the sale is active, sale date isXX/XX/XXXX at XXXX.

XXXX called XXXX XXXX XXXX XXXX XXXX again onXX/XX/XXXX talked to XXXX XXXX XXXX XXXX  confirmed the sale is active, sale date is XXXX XXXX XXXX at XXXX. He advised XXXX call XXXX XXXX a paralegal for XXXX phone number is XXXX. He told XXXX that as of yesterday ( XX/XX/XXXX) he confirmed with XXXX  that no payment has been received.

XXXX called XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX talked to XXXX XXXX  confirmed the sale is active, sale date is XX/XX/XXXXat XXXX.

XXXX called XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXX talked to XXXX XXXX  confirmed the sale is active, sale date is XX/XX/XXXX at XXXX.

This law firm is not Maintaining The Integrity of the Profession Rule 8.4 Misconduct.

This law firm violated Rule 8.4 Misconduct.

( a ) violate or attempt to violate the Rules of Professional Conduct, knowingly assist or induce another to do so, or do so through the acts of another ; ( b ) commit a criminal act that reflects adversely on the lawyer 's honesty, trustworthiness or fitness as a lawyer in other respects ; ( c ) engage in conduct involving dishonesty, fraud, deceit or misrepresentation.

Attachments : 1__XX/XX/XXXXReinstatement from XXXX__XX/XX/XXXX 2__Wire to XXXX__XX/XX/XXXX 3__Wire to XXXX XXXX__XX/XX/XXXX 4__Sale Date__XX/XX/XXXX 5__State Bar Complaint__XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX ... there was an unauthorized hard inquiry placed on my credit. I am just now seeing it this year.After contacting XXXX XXXX ... the parent company this XX/XX/XXXX ... they've contacted the subsidiary in which ran my credit : XXXX XXXX. They did the research and found that there's no way I authorized my credit to be ran. They've sent the request to all credit bureaus to have the hard inquiry removed ... XXXX ... Transunion ... nor XXXX   have done such. The inquiry is STILL on my credit!

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 2018-03-23 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: TX

Complaint narrative:
In XX/XX/XXXX ... there was an unauthorized hard inquiry placed on my credit. I am just now seeing it this year.After contacting XXXX XXXX ... the parent company this XX/XX/XXXX ... they've contacted the subsidiary in which ran my credit : XXXX XXXX. They did the research and found that there's no way I authorized my credit to be ran. They've sent the request to all credit bureaus to have the hard inquiry removed ... XXXX ... XXXX ... nor Experian have done such. The inquiry is STILL on my credit!

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 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MD

Complaint narrative:
XXXX XXXX just reported a {$120.00} collection account on my credit report. Prior to the appearance of this account on my file, I did not receive a notice of my right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I sent Experian a letter stating all of the incorrect information reflecting on my credit report.

I received a response from Experian on XX/XX/XXXX, but hardly any of the information was corrected.

I do NOT want my telephone numbers reflected.

I was NEVER married, I do not want a spouse listed.

I WANT the 8 other addresses listed on my credit report REMOVED. I have lived at my current address for 15 years!

There are addresses ( a lot ) listed on my credit report that I don't even know what addresses they are. A lot of the addresses are addresses I have never lived at. I explained this to them in a letter I sent to them certified mail on XX/XX/XXXX.

I am not sure where they obtain their information, but it should not take me three letters to them to correct the information that is reporting incorrectly.

I have sent them my license and utility bill to show this is my address. 

I want my credit report to reflect my correct information and it appears they refuse to do so. 

Thank you.

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 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was not late for the dates shown in XX/XX/XXXX-XX/XX/XXXX. All other dates are N.A. they have removed this one other two credit reports but have not on 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 2018-03-23 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: GA

Complaint narrative:
I have been disputing with the Bureaus over the phone and in writing since XX/XX/2017 to remove inaccurate information from my credit file as it is hurting my credit and I am unable to secure a job in the XXXX XXXX due to the inaccurate information being reported. I keep getting the run around and no where with the bureaus. They keep updating information that is not mine or does not pertain to me even after I have sent them documentation showing who I am.

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 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
In XX/XX/XXXX we received a notice in the mail stating that our monthly payments would increase by {$480.00} due to a deficit in our escrow account balance. Because no increases had been made to our taxes and our loan is 3 years old, I pulled up our escrow account activity to see what was going on. 

In reviewing our escrow account activity, I identified two identical payments of {$2700.00} ( total amount {$5500.00} ) made one week apart in XX/XX/XXXX. These amounts do not coincide with any tax bills ( County, Township or School ). I called all three offices to inquire about these payments. No one has any record of receiving these payments or a refund being sent out ; nor do they match any tax bills. In fact our taxes had been paid in XX/XX/XXXX prior to these XX/XX/XXXX payments. I originally spoke with someone from Flagstar back in XX/XX/XXXX ( and even put additional funds into our escrow account in XX/XX/XXXX ) while they figured out where those payments went and returned them to our escrow account. 

I have continued to call and email since the beginning of the year and have not gotten any answers. As of today, we were told that they can not identify where these funds went. With computerization where it is today, there is no valid reason that Flagstar should not be able to track these payments and get them placed back in our account. With children in college, an additional monthly payment is a hardship for us. 

At this point our escrow account is at a deficit of {$5200.00} ( almost identical to the double payments made in XX/XX/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 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lazega & Johanson LLC
State: AZ

Complaint narrative:
I first heard from this " law office '' in XX/XX/XXXX of 2017. They claimed they have taken over the debt from a XXXX that I do not remember having. I asked for documentation because I am not aware of this card. They sent me very vague information so I referred it to a credit care company that I have hired to help me with negative credit  information. Now, the company is calling my elderly parents! I am a retired XXXX XXXX XXXX. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
For the past two months i have gotten in touch with Ford Credit to report my payments to the credit bureaus. it has fallen on deaf ears. i am current on my car loan and i am even paid ahead. this is not helping me build any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was not late for the dates shown in XX/XX/XXXX-XX/XX/XXXX. All other dates are N.A. they have removed this one other two credit reports but have not on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
This was a medical bill that the insurance has paid and I have already notified them of my insurance information and as per hippa the original holder can not sell this information to an outside company. XX/XX/17. XXXX. And this belongs to my wife not 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 2018-03-23 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: AK

Complaint narrative:
My identity was stolen while I was in the XXXX hospital, I was on a thirty day hold from XX/XX/XXXX untill XX/XX/XXXX. The hospital lost or stole my credit cards, XXXX XXXX watch, and glasses and sited me for trespass because I refused to leave without my property that day. Opon gaining access to my Capital One account finally I noticed XXXX in charges that were fraud on my credit card that were fraud that had taken place during my XXXX. I filed a claim with Capital One and submitted all documentation to prove that I was in the hospital and was clearly not responsible for the thefts.Capital One closed out the stolen card ending in XXXX and claimed to credit my account for the fraudulent charges but refused to allow me to access my funds even to this day. I also received outside reimbursements credits of XXXX from XXXX for previous purchases settlements that have nothing to do with this situation and Capital One refused to allow me access to any of those funds as well. Capital One refused to reimburse and reverse any damages or reimbursement totally to my account from every company that Ive done business with treating me as the criminal instead of the victim in this awful situation. The XXXX refunds have nothing to do with this investigation and this is against the law. Its been 30 days and I dont know what else to do. I want my money back. I have the telephone recordings to show their insubordination. All funds in my Capital One credit card account was transferred directly from my bank account so that I could use their credit card to improve my credit worthiness, this account is a secured credit card and they have no right not to protect me as a cardholder and consumer from accessing my person money from my XXXX account, they were Not letting me use their credit, this is my money in jeopardy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
This judgment is from XX/XX/XXXX I wasn't aware of this collection action until XX/XX/XXXX. Company garnished my wages through XXXX county and I filed for an exemption for {$20.00} a check. This was approved. They then filed another judgement for the same case number in a different county for 25 %. This is against the law. Not only is this judgement from XX/XX/XXXX and I wasn't even aware of it. I was never served or anything. But they were garnishing me for more than 25 %. Now they want me to pay them directly {$80.00} a month so the sheriffs department doesn't collect fees and they get more money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: H & S Financial, Inc.
State: CA

Complaint narrative:
This judgment is from XX/XX/XXXX. I wasn't aware of this collection action until XX/XX/XXXX. Company garnished my wages through XXXX  county and I filed for an exemption for {$20.00} a check. This was approved. They then filed another judgement for the same case number in a different county for 25 %. This is against the law. Not only is this judgement from XX/XX/XXXXand I wasn't even aware of it. I was never served or anything. But they were garnishing me for more than 25 %. Now they want me to pay them directly {$80.00} a month so the sheriffs department doesn't collect fees and they get more money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I received an alert XX/XX/XXXX that a collection item was put on my credit report. I pulled my report from the reporting agency that sent the alert, and it was XXXX XXXX. I have not received any letters certified or otherwise, an itemized bill showing that I owe this debt. This company just took it upon themselves to report this information on my credit report without allowing me to dispute it. There was a lie placed on my report stating that the debt was opened on XXXX credit report XX/XX/XXXX. I didn't have service with XXXX in XX/XX/XXXX. I didn't have any collections on my account from this company. I check my credit report all the time. This collection item has brought my score down, and has held me back from taking care of repairs on my home. Also, I've been receiving calls from a number that I am not familiar with. When I call the number back, there is a recording stating that the number is unknown. In the past, the collection agencies use these numbers to call consumers. I've never talk to this company before, so I haven't given out my number.

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 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express website did not allow for me to login to make my payment resulting in a 30 day late. American Express also had wrong personal information as far as contracting me to make notice of past due bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2018, Simple Bank associated with BBVA Compass bank reflected an incorrect available balance on my account of {$200.00} which was incorrected as my account was at a low/negative balance at that time and all prev purchases were still showing either pending or cleared and no transactions were missing from my bank lender showing no indications that a previous transaction didn't post or deduct fund from my account and this issue showed to be a system issue from Simple Bank not accurately reporting my current and up to date balance. Because of their system incorrectly determining my correct balance their system allowed a pre paid card previously set up on auto payment and attached to my account via a debit to deduct funds multiple times without my authorization or any funds available in the account to cover said transactions. I have never authorized Simple Bank or BBVA Compass for overdraft services or to cover my account in case of authorizations without funds to cover and appears to be in violation of overdraft regulation. This occurred due to Simple Bank system not correctly posting transactions to make account and creating a false positive balance to allow charges to clear when funds were not available. I also have screenshots from Simple 's website and mobile site reflecting these balance. I have also been being charged international transaction fees on my account when no out of country use or authorization has been preformed. I attempted to resolve this issue with Simple Bank directly but they are refusing to make right an issue caused by system errors on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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:
I have been disputing with the Bureaus over the phone and in writing since XX/XX/2017 to remove inaccurate information from my credit file as it is hurting my credit and I am unable to secure a job in the banking industry due to the inaccurate information being reported. I keep getting the run around and no where with the bureaus. They keep updating information that is not mine or does not pertain to me even after I have sent them documentation showing who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
This was a medical bill that the insurance has paid and I have already notified them of my insurance information and as per hippa the original holder can not sell this information to an outside company. This is also my wifes not mine. XX/XX/2015.

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 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
XX/XX/2018 a decision was made on my application for the Citi Simplicity credit card. The decision however was not based on criterion that the company set as sufficent to deny my application. In other words no notification was given during the application that my credit card application would be denied upon the basis that they stated. I have reason to believe that the decision was not a criterion of the application process, and solely the decision of the individual that sent me the letter.

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