vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
When I purchase my home in XXXX in XXXX, GA. I had to pay for Private Mortgage Insurance ( PMI ). My mortgage was with XXXXXXXX XXXX then transferred to Ameris Bank. My mortgage was current and also late at various periods in time. I had repeatedly irequested the removal of PMI from my mortgage. I was told the mortgage has to be current for 24 months for the PMI to be removed. My loan to value on the property had fallen below the required 78 or 80 percent. Once the mortgage was current for 24 months I made another request for the PMI removal. I was then told I had to wait 36 months for the PMI to be removed. I then searched online for the PMI requirements. I discovered that Ameris Bank had been falsely charging me monthly fees for the PMI Insurance for 12-24 months. I submitted the PMI documents and requested a removal of the PMI fee each month and a refund. My requests have been in writing to Ameris Bank. I keep getting different explanations each time I speak with their representatives. I am seeking a refund of {$3100.00} plus for their scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Dear PayPal Support Team, I am writing to you regarding the recent blockage and limitation placed on my newly created PayPal account. I am reaching out to express my concern and seek a resolution as I believe there may have been a misunderstanding or an error in the evaluation of my account.

I understand that PayPal implements strict security measures to protect its users, and I appreciate the efforts taken to maintain a safe and secure platform. However, as a new user, I have not yet had the opportunity to engage in any transactions or activities that could potentially violate PayPal 's policies. 

I kindly request a thorough review of my account and clarification regarding the reasons for the blockage and limitation. I assure you that I am committed to complying with all of PayPal 's rules and regulations and would like to rectify this situation promptly. 

My registered email address associated with the affected account is XXXX. I kindly request all communication and updates regarding this matter to be directed to this email. 

I am more than willing to provide any additional information or documentation that may be required to verify my identity and ensure the security of my account. Please let me know the necessary steps I need to take in order to resolve this issue and restore full access to my PayPal account. 

Thank you for your attention to this matter. I greatly appreciate your prompt assistance in addressing and resolving this situation. Should you require any further information or have any questions, please do not hesitate to contact me. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: EQUIFAX, INC.
State: MN

Complaint narrative:
The following accounts currently listed and showing on my XXXX, Equifax and XXXX XXXX credit report are not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX balance : {$330.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX , balance : {$330.00}. I never applied for or received any credit card from XXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 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: NJ

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-06-16 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: NJ

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
On XXXX XXXX I spoke with country door collections supervisor department ..I was told I dont owe anything with them and actually have proof I paid the balance they keep reporting. This defamation they are violating FCRA by refusing to remove the amount that is not due to them and account they are reporting to the bureau it has been more than 7  years that I have had an account with country door they are over the limitations and are reporting incorrectly. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. They are not verifying this debt to be valid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: DE

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-16 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: NY

Complaint narrative:
This is absurd. These debt collectors ( XXXX XXXX  ) are using the default date as the date they bought the debt. The original default date of the account they bought was more than 7 years ago.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair credit Reporting Act, 15 USC 1681i ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of list accounts below inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair credit Reporting Act, 15 USC 1681i ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of list accounts below inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hard inquires

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 2023-06-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This account was opened in my name. I do not have any correlation upon opening this account of the date it was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: LA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

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 2023-06-16 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: LA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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 2023-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
contacting before XXXX and after XXXX multiple and person on phone was rude and disrespectful

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 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The following accounts : XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX were updated and verified after filing a dispute, on XX/XX/2023 I have received an updated copy of my Transunion credit report and noticed the original creditors failed to put " notice of dispute by consumer '' in the remarks. That is a violation of my FCRA rights, 15 u.s.c 1681-2. The law states " Duty to provide notice of dispute.If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ''

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 2023-06-16 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: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2023-06-16 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: FL

Complaint narrative:
Someone on XX/XX/23, try to open a account in my name to XXXX XXXX XXXX XXXX account number # XXXX. I file a report with Experian to have my credit freeze for fraud alert. And file a complaint with Federal Trade Commission ( Identity Theft. gov ). I also sent the company XXXX XXXX XXXX XXXX a copy of a hand written letter they requested along with a copy of my credit report with a copy of the FTC Identity Theft Report, Informing them that someone try fraudulent to try to applied for credit card in my name without my permission or authorization. I sent them a certified letter to them. This information have not been removed from my credit report today. I have done all I can do from my end. Can you please help?

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 2023-06-16 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This is absurd. These debt collectors ( Resurgent/LVNV funding ) are using the default date as the date they bought the debt. The original default date of the account they bought was more than 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
XX/XX/XXXX, I charged a purchase to my new credit card, but submitted an electronic payment to my old Banana Republic credit card. My checking account with XXXX XXXX verified that the amount was cashed on XX/XX/XXXX. 

The purchase was returned, and I received an email from Banana Republic on XX/XX/XXXX confirming that the purchase was received and I would receive an eGift card. No eGift card was received and my account was charged late fees. 

XX/XX/XXXX, I received a letter from Barclays with the date of XX/XX/XXXX stating that a provisional credit was posted to my account was posted. The letter asked for proof of payment. I contacted XXXX XXXX and we held a conference call with Barclays to resolve the situation. The XXXX XXXX verified that the bill was paid electronically and that they would send documentation of the payment via fax and or mail to Barclays. 

XX/XX/XXXX, I received a letter posted XX/XX/XXXX, stating that the credit of {$180.00} was rescinded due to lack of proof of my payment. I called XXXX XXXX and we contacted Barclays again. In our discussion the representative of Barclays confirmed that they had received my {$170.00} payment to my old account. 

XX/XX/XXXX, I received a letter posted XX/XX/XXXX, that proof of payment was needed. I called XXXX XXXX again, held a conference call, and XXXX XXXX submitted proof of payment for a third time. 

XX/XX/XXXX, I received a letter posted XX/XX/XXXX, that they could not complete my request for my {$170.00} request of my payment. 

XX/XX/XXXX, I received a check for {$4.00}. XX/XX/XXXX, I mailed a letter of complaint to XXXX XXXX, XXXX XXXX  XXXX, XXXX, DE XXXX. 

XX/XX/XXXX, I received three letters from Barclays. Two letters, one dated XX/XX/XXXX, and one dated XX/XX/XXXX, state that they are unable to complete my request for my payment of {$170.00}. One letter, dated XX/XX/XXXX, stated that Barclays is reviewing my dispute and I should give them at least 60 days. I have been trying to resolve this dispute for six months.

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 2023-06-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ), Has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ), Has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This strange collection on my credit report I have no relationship with the debt collector and dont owe them a debt. 

They need to prove to me that they are the owner of this alleged debt with a contract or some purchase contract who they are saying they got this alleged debt from. 

If they have bought from another debt collector I want to see the chain of assignments going all the way back to this original creditor. 

If they can not provide any of this, then this is identity theft and defamation of character. 

They are also reporting inaccurate to the credit reporting agencies that do not add up. 

LVNV FUNDING LLC Account Number XXXX The date of the last activity does not match. XXXX is reporting the date of the last activity as XXXX/XXXX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

They are breaking the law by reporting inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation