vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT PLEASE UPLOAD MY PHONE NUMBER TO MY FRAUD ALERT : XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy Inquiry details XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX BYMAILONLY To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX 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 2019-09-09 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have contacted the credit card company numerous times to please note that they are not accurately reporting my actual account and that they have duplicated accounts on my reports. This is impacting me severely as i am now in several job interviews and that question comes up that you have two accounts with the same company and one is satisfied and the other is shown as derogatory and they are for the same accounts. Please see the following : ECOA / WHOSE B / B BARCLAYSBK XXXX***** ACCT TYPE REV REPORTED XX/XX/XXXX HI CREDIT {$5400.00} PAYMENT {$0.00} 30 2 60 1 90+ 5 PAID CHGOFF SOURCE XXXX/XXXX/XXXX TERM - OPENED XX/XX/XXXX BALANCE {$0.00} PAST DUE {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX MO REV 62 LAST LATE XX/XX/XXXX DLA XX/XX/XXXX CONSUMER DISPUTES AFTER RESOLUTION ; ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES EXPLANATION : OUTCOME : 005 ECOA / WHOSE B / B BARCLAYSBK XXXX***** ACCT TYPE REV REPORTED XX/XX/XXXX HI CREDIT {$5000.00} PAYMENT {$0.00} 30 1 60 1 90+ 4 CHARGE OFF SOURCE XXXX/XXXX/XXXX   TERM - OPENED XX/XX/XXXX BALANCE {$0.00} PAST DUE {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX MO REV 99 LAST LATE XX/XX/XXXX DLA XX/XX/XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION ; CONSUMER DISPUTES AFTER RESOLUTION ; CHARGED OFF ACCOUNT ; TRANSFER/SOLD ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES

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 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: PA

Complaint narrative:
I have a conventional mortgage with Suntrust bank originated at 90 % LTV requiring PMI at {$100.00} per month. I recast my mortgage with Suntrust bank by making a one time payment that brought my LTV ratio to 45 %. Suntrust did not automatically remove my PMI as required by 12 USC 4902 ( d, e, & f ) and continued to charge PMI. 

Suntrust responded to my original complaint that my PMI dates are valid as in my original loan documents and refused to refund the erroneously collected PMI payments, but Suntrust was required to recalculate the PMI dates. 
I was told by a customer service representative that the loan modification dept does not notify the PMI dept in instances of a loan recast so the dates are not automatically recalculated by the mortgagor. 
This seems to be in violation of federal law and would indicate a systemic problem with the way the mortgagor services loans. 

A recast is by definition, a loan modification of the payment terms. 

Suntrust was required by law to recalculate all dates associated with PMI termination as set forth in 12 U.S.C. This recalculation of dates was not completed in violation of 12 U.S.C. Suntrust did not follow the HPA requirements as set forth in 12 U.S.C. United States Code, 2017 Edition Title 12 - BANKS AND BANKING CHAPTER 49 - HOMEOWNERS PROTECTION Sec. 4902 - Termination of private mortgage insurance ( d ) Treatment of loan modifications If a mortgagor and mortgagee ( or holder of the mortgage ) agree to a modification of the terms or conditions of a loan pursuant to a residential mortgage transaction, the cancellation date, termination date, or final termination shall be recalculated to reflect the modified terms and conditions of such loan. 

Suntrust did not recalculate the dates as required by federal law which would have immediately caused the mortgagor to terminate the PMI upon executing the loan recast.

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 2019-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
Machol&Johannes,LLConceagainillegallysharedinformationabouttheircaseagainstmewithathirdparty.

Previously,theyhadmailedinformationtomyfather.Theirresponseindicatedthattheywererequiredbylawtosendsuchmaterialstomyphysicaladdressinsteadofmymailingaddress.However,whattheysentwasjustaregularnoticeofgarnishment.TheyhadsentthemtomyPostOfficeboxpreviouslyanddidsofollowingtheincident.

Thistime,ontheafternoonofFriday,XX/XX/XXXX,theiragentknockedonthedoorofmyfather'shome,handedhimaMotionforRevivorofJudgement,andleft.Itwasnotinanenvelope.Myfatheriswillingtotestifytothisiscourt.

Moreover,I'veresearchedthecompanyandtheyhavealonghistoryofsuchtactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
I received notification via online that I had a debt collection filled back in XX/XX/XXXX from a previous apartment complex I lived in. The debt was XXXX $ from XXXX XXXX XXXX   filled with the company Innovative Recovery. I called the collection agency on XX/XX/XXXX about the debt and they stated my old complex put that I still owed rent even though I left early for the prior month. I sent over emails between me and the property manager as proof that all I was advised to do was turn in keys and he would take care everything. Innovative Recovery never got back to me and when I recently did an application for rent I was denied because of this debt. I reached out to Innovative Recovery and spoke with XXXX around XXXX XXXX in which she stated XXXX XXXX responded that I returned keys on XX/XX/XXXX and owed rent for those days. I have documentation proving I returned keys XX/XX/XXXX and XXXX XXXX with held my security deposit of XXXX $ and also put on my credit report that I still owed them XXXX $ for 12 days of rent. I paid the XXXX $ only because I have to move and unfortunately I cant rent anywhere with a debt of this sort. XXXX XXXX was not truthful about the debt owed, had a false collection reporting on credit and with held my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: Credit Plus Inc
State: LA

Complaint narrative:
A company called Credit Plus made three inquiries on my credit report on three consecutive days. I never gave them permission to do so.

They then supplied my credit scores to a lender but the scores they provided were over 50 points lower than my actual scores.

I

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.Q. DATA INTERNATIONAL, INC.
State: IN

Complaint narrative:
id int has put these XXXX XXXX XXXX and i have never lived there ever this is not mine I have to know knowledge of this account and it need to be deleted from my account so I can get me an apartment for me and my XXXX children to live so please delete this immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not a complaint about any information on my report, only a complaint about the accuracy of my FICO score. 

I have a free basic membership with Experian and get monthly reports. It reports on 2 loan balances and they have been accurately reporting the balances as decreasing since XX/XX/XXXX. It accurately reported an increase one time and has been going down again. 

Suddenly on XX/XX/XXXX I was notified that my FICO score decreased by 23 points, from XXXX to XXXX. I looked at my free annual reports at the 2 bureaus that would show it online and there is no derogatory information. 

My complaint is that when calling on the phone I was told I can not dispute a FICO score. I was given the run-around and told by two different departments ( membership and complaints ) the same thing. There seems to be no way to determine why my FICO score would drop so precipitously within a month.

They kept telling me how complicated the algorithm is to figure FICO scores which I understand. But they SHOULD BE ABLE to tell me WHY it dropped.

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 2019-09-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried for the last month to contact Equifax. 
I call the dispute department and answer the questions. It says they can not verify my identity. I tried to contact them online, I answer all questions correct. It tells me to call them. I have mailed the documents, State ID, 1099, copy of bills etc to them. I have never heard from them. I have heard from XXXX and XXXX but I can not get into my account or contact equifax in any way. I answer all questions correctly yet it gives me an error message. I have a new cell phone number and I am trying to correct it on my credit report and on my fraud alert. I have no other means other than to write to them with documents. Yet I can not contact them. I am stopped. THey have someone's number right now and they do not have the correct phone number to contact me for a fraud alert. How do I contact them? Nothing works, not online, not on the phone, not by mail. 
Equifax Information Services LLC. XXXX  XXXX XXXX. XXXX, GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX once again illegally shared information about their case against me with a third party. 

Previously, they had mailed information to my father. Their response indicated that they were required by law to send such materials to my physical address instead of my mailing address. However, what they sent was just a regular notice of garnishment. They had sent them to my Post Office box previously and did so following the incident. 

This time, on the afternoon of Friday, XX/XX/XXXX, their agent knocked on the door of my father 's home, handed him a Motion for Revivor of Judgement, and left. It was not in an envelope. My father is willing to testify to this is court. 

Moreover, I've researched the company and they have a long history of such tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: CORELOGIC INC
State: CA

Complaint narrative:
I have been denied a rental unit due to an unsuccessful attempt to gain access to my credit report via XXXX, who asked me for further identification using unfair and unrelated questions. I have been applying and getting denied for an apartment due to inaccurate questions being asked of me for further identification purposes through XXXX. I applied for an apartment on XX/XX/XXXX at XXXX XXXX XXXX . in XXXX, CA who uses a company called CoreLogic ( Rental Property Solution ) to run credit reports through XXXX. I paid {$35.00} ( Twice ) and was told that I needed to further identify myself through a link sent to my email with questions that were supposed to pertain to myself, randomly selected and provided by XXXX. The questions I received did not pertain to me. For example, I was given a question asking to choose a phone number I am associated with, I either have never had these numbers or they are so old that it is unfair to ask me to remember them and then deny me when I don't. Another examples would be a question asking me to choose the person whos birthday falls on a particular date, not only did I have no association with the people listed in the multiple choice question, but it is unfair to assume that I would know their birthdays even if I had known them. I was charged twice for this service and two hard inquiries have been put on my report regardless of the fact that it was the same company and they said they were unable to run it due to inability to verify who I am. I am in desperate need to have this issue resolved, as I can not find a place to live if I am constantly denied due to unfair questions asked of me. My two-year old daughter and I are within weeks of being homeless due to this issue. I need these questions removed pertaining to people, phone numbers and any other information that does not pertain to me. Seeing as I do not know what questions I will be asked ahead of time, there is no way for me to inform you of which future questions I may be asked that will be incorrect or that I can not answer. I am requesting that XXXX provide my report to CoreLogic, as previously authorize, twice, and remove these questions that were asked of me so future inquiries will be process without delay. I would also like those two hard inquires from Rental Property Solution ( dated XX/XX/XXXX & XX/XX/XXXX ) taken off my report as it is unfair for my report to be impacted by an inquiry that could not be completed once, much less, the two times it is on my report from the same company, for the same reason. Thank you for your time and I look forward to a resolution.

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 2019-09-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted the credit card company numerous times to please note that they are not accurately reporting my actual account and that they have duplicated accounts on my reports. This is impacting me severely as i am now in several job interviews and that question comes up that you have two accounts with the same company and one is satisfied and the other is shown as derogatory and they are for the same accounts. Please see the following : ECOA / WHOSE XXXX XXXX XXXX XXXX XXXX ACCT TYPE REV REPORTED XX/XX/XXXX HI CREDIT {$5400.00} PAYMENT {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX PAID XXXX XXXX XXXX TERM - OPENED XX/XX/XXXX BALANCE {$0.00} PAST DUE {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX LAST LATE XX/XX/XXXX XXXX  XX/XX/XXXX CONSUMER DISPUTES AFTER RESOLUTION ; ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES EXPLANATION : OUTCOME : XXXX ECOA / WHOSE B / XXXX XXXX XXXX ACCT TYPE REV REPORTED XX/XX/XXXX HI CREDIT {$5000.00} PAYMENT {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX CHARGE OFF SOURCE XXXX TERM - OPENED XX/XX/XXXX BALANCE {$0.00} PAST DUE {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX LAST LATE XX/XX/XXXX XXXX XX/XX/XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION ; CONSUMER DISPUTES AFTER RESOLUTION ; CHARGED OFF ACCOUNT ; TRANSFER/SOLD ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES

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 2019-09-09 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, HAS REPRESENTED IN A LETTER THAT THIS ACCOUNT ( XXXX XXXX, XXXX XXXX ) HAS BEEN PAID IN FULL ON ALL ACCOUNTS TO INCLUDE : XXXX XXXX XXXX, AND XXXX XXXX. THESE CREDITORS ARE FALSELY REPORTING OPEN ACCOUNTS, WHEN THESE ACCOUNTS HAVE BEEN PAID IN FULL, AS EVIDENCED BY THE LETTER ATTACHED TO THESE DOCUMENTS, THAT SHOW THERE IS NO ACCOUNT OPEN. 

THESE CREDIT REPORTING AGENCIES CONTINUE TO SHOW AN OUTSTANDING AMOUNT ON MY CREDIT FOR A DEBT THAT IS PAID IN FULL. AS EVIDENCED BY THE SATISFACTION LETTER SHOWING OTHERWISE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This company keeps calling me looking for XXXX XXXX, my ex-wife since 2013. I have asked them to stop calling. They continue to call daily often times with a blocked caller ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
XX/XX/2019 a charge to XXXX XXXX for XXXX XX/XX/2019 a charge to XXXX XXXX for XXXX transactions 1 minute apart. Filed a claim and they have never responded. The wont answer the phones. XXXX even sent them a ref number and are aware of the problem. Cant get Direct express to answer phones. Tried calling from XXXX to XXXX XXXX and no answer. How can a company let to large transactions clear 1 minute apart. Other card companies flag this type of transaction. The complaint was filed the same days as the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER REMOVING THE LATE PAYMENTS FOR I HAVE BEEN A CLIENT THAT STRIVES TO MAINTAIN AN EXCELLENT STATUS.

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 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Back in XX/XX/2017, Equifax discovered that their system was hacked, and that they disclosed millions of personal credit account information to the hackers. 
In XXXX of 2017, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories. The settlement includes up to {$420.00} XXXX t o help people affected by the dat a breach . Part of this settlement involves free credit Credit Monitoring and Identity Theft Protection Services. I emailed Equifax from my home PC and signed up for this, at least a month back if not more like 6 weeks but I have not heard back from Equifax since. I need to know what's going on with my inquiry/complaint.

Company response to consumer: Closed with explanation