vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 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: FL

Complaint narrative:
To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I NO LONGER LIVE HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Sunrise Credit Services is attempting to collect monies owed to XXXX XXXX XXXX for cellular services ( {$700.00} ) which were discontinued in XX/XX/XXXX. At the time that I discontinued service, I had two phones on installment plans which do require a payment to fulfill the terms of the agreement with XXXX XXXX XXXX. On numerous phone conversations over the last year, I have requested an itemized bill detailing the charges to demonstrate that the money they are indicating is owed, is actually owed. It is my belief that there was an extra month of cellular service added to the bill for which I was not using the service. Since I was not under a contract for the service, there are no early termination fees or requirement to pay out the service to the end of a contract period. 

Sunrise at one point sent me a bill with only the total owed, not an itemized bill as I requested and is my right. Sunrise stated they did not have the information on the itemized charges and returned the account to XXXX XXXX XXXX for verification purposes. To date, I have not received the requested verification of the debt in an itemized bill, however, when I checked my credit report, I identified a derogatory collections account related to this matter. As I have asked numerous times for an itemized bill detailing the charges applied by XXXX XXXX XXXX in order to verify the debt was accurate prior to paying which have not been provided by the company, it is my understanding that the reporting to the credit agencies as a delinquent collections account is not only erroneous but in violation of the FCRA. 

I am requesting through a more formal process for the company to provide me the ITEMIZED charges with the total amounts owed for each phone and the charges that are included for service charges, to include dates of service for any additional charges. Once that is received, I will have the ability to verify that XXXX XXXX XXXX was not overcharging based on the date of transfer to a new cellular provider and I will be willing to pay what is actually owed. I am also requesting the the negative marks/reports on my credit report be removed as this has been detrimental to my ability to receive a mortgage prior to interest rates rising. As is demonstrated through my credit report, I have not had any negative accounts for years, and due to the failure of Sunrise and XXXX XXXX XXXX to comply with the written verification of the debt requirements of the FCRA have now experienced harm to my credit rating.

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 2018-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
My issue is with Carrington, they just started to service my mortgage from XXXX XXXX XXXX. 
They sent me a letter on XX/XX/XXXX stating : ... .. '' we are pleased to inform you that MIP on your loan has been cancelled. As a result, your monthly mortgage will be will adjusted accordingly. A revised billing statement will be sent separately. '' We made a mortgage insurance payment in XX/XX/XXXX that included the extra XXXX as the payments crossed in the mail. In XX/XX/XXXX and XX/XX/XXXX, we made our regular payment less the PMI of XXXX. 

The letter with the revised billing statement never came. I wrote 2 letters, and ask for help on their help line on their website. They stopped applying our payments to our loan. 

Yesterday, I received a letter dated XX/XX/XXXX. It stated that " removal of MIP does not immediately affect the scheduled payment, the payment will REMAIN THE SAME '' until we generate a new escrow analysis ONCE A YEAR. 

Can you please find out why they are demanding that we continue to pay for a service that has been cancelled? And why they aren't applying our payments to our loan? And why we can't receive a refund for the OVERPAYMENT of the PMI in XX/XX/XXXX after it was cancelled? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I NO LONGER LIVE HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I  request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX I NO LONGER LIVE HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MIDCOUNTRY FINANCIAL CORP
State: NC

Complaint narrative:
Debt collector is calling 8+ times a day and is also calling and harrassing friends and family by somehow getting their private numbers. it was my understanding that I had settled with the debt collector for a predetermined amount yet they continue to call and harrass myself friends and family. if they had told me a certain amount was all they were wanting and I have paid that amount they need to stop harrassing me for more money. We had an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: GA

Complaint narrative:
Federal Law ( 12 U.S. Code 4902 ) requires that PMI be AUTOMATICALLY terminated on the date when the principal balance is scheduled to reach 78 percent of the original value of your home. For my loan, this should have taken place in XX/XX/XXXX and DID NOT.

PMI should have been removed when my loan balance was scheduled to reach {$37000.00}.

XX/XX/XXXX - My loan balance was {$37000.00} I was charged PMI for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Why is this company NOT AUTOMATICALLY removing PMI as it is required to do so by Federal Law?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
I do not know who these people are. The phone number that calls me incessantly is : XXXX. They are calling about a debt owed by XXXX XXXX. I told them I wanted the phone calls to stop and they said " we are a business maam. ''. '' Meaning they are going to keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: MN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX some body Fraudulently applied for two loans to XXXX XXXX XXXX! I contacted XXXX XXXX about this issue and also contacted XXXX XXXX from the Mn. Commerce Dept. about these two loans that someone applied for, I reported this and also reported it to the XXXX XXXX  Police dept. XXXX XXXX  has requested several times to Equifax to remove the hard hits from my account, the hard hits are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I called to state that old information was reinserted and I did not receive a letter by law. Instead of removing the information immediately it was sent into dispute in which I should not have to wait an additional 30 days. This was on my report around XX/XX/2016 under credit protection and was removed in XX/XX/2016. By law I should have received a letter that included a certification of accuracy and once I informed the credit specialist it should have been removed, not disputed. The item is now reporting as XXXX XXXX XXXX XXXX. Even Public Relations, XXXX XXXX, from XXXX stated that they try to employ procedures that prevent this from happening where debts are sold and reinserted under a different name.

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 2018-05-09 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 — Problem with personal statement of dispute
Company: Lending Club Corp
State: CA

Complaint narrative:
On XX/XX/2017 I had an unexpected job loss. I continued to make regular payments and eventually entered into a Hardship repayment for 3 months. I was told that the payments during hardship period would be added to the end of the loan. When repayment ended, I was told that I had to pay {$1200.00} because I defaulted on the agreement. My payments show that I made the timely payments. I was also MISLED with information that the shortage of payments would be added to the end of the loan. I made good faith payments until I went back to work and then ultimately paid off the loan. 

I would like to have the 90 day late payments removed from my credit report. 

The Lending Club sent me a letter of explanation, which is different from what the representatives in their customer service area are telling clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FC HoldCo LLC
State: OH

Complaint narrative:
I have been getting repeated calls from XXXX XXXX They are trying to contact XXXX XXXX, a person who used to have my phone number. Sometimes they call several times a day. I was told that the number is still listed to this other person, but it has been my number for over 2 years. I have asked them to stop calling. Sometimes when I answer the phone, no one will respond. I have an unlisted phone number, which I have requested from XXXX XXXX XXXX, that nobody be able to find my phone number in a phone book or on the internet. I am not the person they are trying to reach, and it is not my responsibility to provide them with my information. I would like the phone calls to stop.

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 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX/Resurgent have failed to provide me with all the information I have requested from them to validate the debt, this has been going on for 2 years or more. I have disputed the amount because I was not under contract any with XXXX, my monthly bills do not add up to {$1600.00}. I have requested a detailed summary of the amount they claim is owed, not just a paper stating that I owe the amount. I want a complete statement of the all charges they are claiming I owe and they have failed to do so numerous times. 

They have this reported to the credit reporting companies and I have disputed with them as well and everyone fails to investigate correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: NJ

Complaint narrative:
On or about XX/XX/XXXX, I called the number listed for this account on my XXXX   credit report and I asked the collection agency to verify the debt and they could not. As an alternative they offered to settle the {$3100.00} debt for {$1200.00}. I insisted that I need to verify the debt and they promised to send me statements from the original creditor. As of this date I still have not received any written communication to verify this debt from this collection agency. I called again last Friday XX/XX/XXXX  and again was not able to get information to verify this debt.

I am in the process of purchasing my first home and this collection item is hindering/impeding my progress.

Here is the information that is showing on my 3 credit reports : You have 2 accounts in Collections Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XX/XX/XXXX {$3000.00} {$3000.00} Paramount Recovery Sys XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
In XX/XX/XXXX of this year, TSI sent some paper work to the company that i work for and told them that i owe XXXX money from XX/XX/XXXX. The company that i work for contacted me and gave me there number. i talk to someone at TSi and was able to stop the garnishment. This is the second time that they have done this within two years to me. Nothing have shown up on credit report in ten years since I've been out the XXXX. I don't know how to prove it been payed for since the debt is so old. This company have been calling me leaving messages on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Yesterday when I checked my online credit card account with Chase, under my " pending '' transactions I had a {$910.00} authorization from XXXX XXXX  which I was fully ok with, and we all know that ALL " pending '' authorizations are subtracted from your available credit.. and the same holds true for when a " pending '' authorization that is no long listed under " pending '' or " posted '' should be added back to your available credit, yet this morning when I check my online account the {$910.00} " pending '' authorization was gone and was not " posted, yet my available credit was not adjusted. I spoke to Chase 3 times 1 of them a 3way call with Chase and XXXXXXXX, On all three conversations with Chase I was told that the {$910.00} authorization is still " active '' and reducing my available credit, I was told that is on their " screens '' and I responded with " the authorization is not under my " pending '' or " posted '' transactions so why is it still reflected in my available credit, and how can I reconcile my account and my available credit when the entry is missing from the information listed on my online account. They apologized to me, but could not give me any answer to my response.

Summary This is totally unacceptable and I believe " deceptive '' banking practices if not fraudulent. I am sure it is a consumers right to be able to " reconcile '' their " online '' credit card account at any time day or night by using the information listed on their " online '' account, this morning I could reconcile my " online '' account with the information listed on my " online '' account or should I say with " invisible '' authorizations that ONLY exist on " Chase 's screens ''

Company response to consumer: Closed with explanation