vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I am a victim of identity theft. I requested that this account was blocked ( XXXX XXXX # XXXX ) This information did not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. XXXX has failed to remove this from my report in the according to the following ; ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
In XXXX of XXXX I took out a mortgage for property at XXXX XXXX XXXX in XXXX XXXX, Georgia with Ameris Bank. I sold the property and the mortgage was paid in full on XX/XX/XXXX. 

I did not receive my escrow disbursement so I called Ameris Bank on XX/XX/XXXX. I was told that a check in the amount of {$7100.00} had been issued on XX/XX/XXXX and sent to my current address. Since it had been 20 days since the check was sent and I had not received the check, I requested that a new check be sent. I was told that I would have to wait until XX/XX/XXXX to call back and request a new check. I called back on XX/XX/XXXX and was told that I would have to wait until XX/XX/XXXX to call back and request a new check. 

On XX/XX/XXXX I sent the attached letter to Ameris Bank requesting an immediate refund of my escrow account. On XX/XX/XXXX I called Ameris Bank and was told that a new check would be issued in 30 to 60 days. I requested to speak to a manager and the manager stated that he would try to expedite the process. I have heard nothing from Ameris Bank since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I made a post on the company 's XXXX page. I was contacted by an employee named XXXX XXXX who works for CrossCountry Mortgage on his personal account. He proceeded to ask me for my loan information and other details which I was not comfortable with. I blocked him on XXXX. He proceeded to post screenshots of our conversation in a XXXX XXXX called " XXXX XXXXXXXX XXXX XXXX. '' I unblocked him and asked him to remove this post, he blocked me. I have reached out to CrossCountry Mortgage to inform them of the situation and never gotten a response. They violated my right to privacy and XXXX XXXX overstepped because he is not capable nor qualified to handle the situation I am facing. The company lied to me as well about recasting my mortgage payment and removing my PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX Acct name : XXXX XXXX XXXX Acct # XXXX Acct name : XXXX XXXX XXXX XXXX Account # XXXX Acct name : XXXX Account # XXXX 15 USC 1681 section 602 A. 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 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate 12 U.S. 5561 ( 5 ) - ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law.

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 2022-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
I recently disputed a fraudulent account on my credit report from Acima Bank. I submitted a dispute to have it removed and I received a response from Acima stating " there is not enough evidence to show this lease is not mine '' and I have to submit a police report for them to terminate the lease. Acima NEVER sent me a letter before reporting this on my credit, that is a VIOLATION of the FDCPA. 15 USC 1692g CLEARLY states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

None of this information was sent. If you claim it was, send proof. Acima has told me that it is my responsibility to prove this alleged debt is not mine when in fact, it is their responsibility to prove it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: GA

Complaint narrative:
Second complaint : SafeRent Solution Operating has assumed a role as a credit reporting and screening company. Were uses be rental agencys submitted a report to XXXX XXXX XXXX suggesting my leasing application be denied based on the report generated by them. Data within their report is incomplete and displayed in a misleading way. It appears as if I have an open judgement from 2015 for eviction with a balance of {$4200.00}. This report omits disposition data. This is inaccurate and harmful reporting which has caused me harm as with ANY one considering leasing to me would certainly decline the application. Which is exactly what XXXX XXXX XXXX did at the recommendation of this third party company, SafeRent Solutions. 

Safe rent made XXXX unsolicited attempts to reach me by phone. I was unavailable both times. I returned their call at XXXX and asked for the woman who left the mvm message XXXX and was told that she does not work there. That I had the wrong number. Furthermore, It is not MY responsibility to VERIFY THEIR ERRORS. THAT RESPONSIBILITY FALLS ON THEIR SHOULDERS. They did not need to speak to me by phone when they blindly compiled this bogus report, therefore they do not need to speak with me by phone to fix 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 2022-11-28 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

Complaint narrative:
my names XXXX XXXX XXXX. 
i noticed in XX/XX/XXXX that my paypal account was limited they asked me to submit a bank statement which they confirmed they accepted as well as a photo id of a drivers license, they said it the id i sent and the name on the paypal account didnt match which i found weird i thought maybe i had sent in the wrong id since i also have my daughter 's ID on my phone. a day after paypal permanently limited my paypal account due to inconsistency with user agreement, i had a balance of XXXX on my account which thy have been not allowing me to withdraw since the end of XXXX. i have contacted paypal on the phone they and got different answers from different people i spoke to so i was unsure what was going on they referred me to to a new method of submitting the proof of ID, this time i made sure i sent the right one however they still denied my appeal ( XX/XX/XXXX ) and refused to remove the limitation i have contacted them almost everyday and none of them still have been able to help me, they want to hold my money for 180 days before the funds are released to me and there is even a chance the money will be kept by the them, i find this to be very unfair practices and would like this matter resolved. 
paypal reference : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: FL

Complaint narrative:
There is an account that was not verified and still being reported on my report, FCRA states accounts must be verified or removed. XXXXXXXX XXXX XXXX XXXXXXXX needs to be deleted immediately.

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 2022-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: NY

Complaint narrative:
This debt is from a remaining balance on an apartment I was forced to move out of because I was a victim of XXXX XXXXXXXX in XX/XX/XXXX, my lease was up in XX/XX/XXXX. XXXX parties remained in the apartment and later downgraded after I was long gone. They forged my signature/name on XXXX the documents the collections company is providing as " evidence. '' It is now XX/XX/XXXX I was informed of nothing until about a month ago over a year after I moved out. I have continuously tried to get this debt removed and explain the situation and I am being ignored. The debt company keeps sending me letters and saying I'm missing payments when I have never even spoke to them, they won't leave me alone. Furthermore, this debt was removed off my credit once, then put back on which is also wrong. 

I urge you to remove this debt immediately it is not mine, I can not be forced to pay for an apartment I was no longer living in. I'm currently not contacting the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/2022 ; I was admitted into the hospital for a major XXXX  XXXX. My wife was recovering from an XXXX  on her XXXX XXXX  that took place six weeks earlier. Our joint checking account and debit card with Navy Federal Credit Union was compromised as well as my personal checking account and debit card. Our joint account was hit for over {$1200.00} and my personal checking account was hit for {$380.00}. After recouperating a few weeks, I went through our accounts and noticed a significant amount of money missing. I filed a fraud dispute for both accounts and we were temporarily credited for the losses. We found out that our caregiver who is our nephew used our cards without permission. In XX/XX/2022, the temporary credits were reversed and our accounts debited for the missing money and the reasoning by Navy Federal Fraud was that the cards were present when used. I reiterated my and my wife 's conditions and stated that I was in the hospital when charges were made by my card. Navy Federal Fraud refused to budge and then suspended my debit card privileges for one year despite being a crime victim of debit card fraud. In XX/XX/2022 ; I requested a full review and then never heard back from Navy Federal. On XX/XX/2022 ; I became aware that the accounts under dispute charged off and {$30.00} was taken from my savings account to pay a disputed debt. It appears Navy Federal Credit Union fraud department failed to do a proper investigation and then penalized me by suspending my debit cards for calling them out for not doing a proper investigation. Additionally, if I was responsible for the charges, I would understand the suspension of my debit cards but as a victim of debit card fraud I don't understand why they suspended my debit cards other than for retaliation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In XX/XX/2022 I began mailing letters to the major credit bureaus in regard to my credit report. While some of the items were removed, the following still remain. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-28 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: FL

Complaint narrative:
There is an account that was not verified and still being reported on my report, FCRA states accounts must be verified or removed. XXXX XXXX XXXX XXXXXXXX needs to be deleted immediately.

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 2022-11-28 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:
There is an account that was not verified and still being reported on my report, FCRA states accounts must be verified or removed. XXXX XXXX XXXX XXXX needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
In response to a Complaint I sent to the CFPB, XXXX Bank and Ocwen were forced to admit that XXXX Bank never owned our mortgage and Note, in a XXXX page letter I have. 

On XX/XX/2012, XXXX Bank committed fraud by filing a foreclosure action on our home, although they knew they never owned our mortgage and Note. 

The bank has kept us in court for 10 years. We will be seeking an appropriate amount of damages. That 10 year toll on our family was emotionally and financially huge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: NJ

Complaint narrative:
I have new information and a new police report for XXXX  XXXX with the account listed and the false amount owed. Also XXXX is still reporting XXXX  XXXX  XXXX  which is removed and also they are reporting a account for XXXX XXXX  which is a collection account for XXXX  XXXX  which was removed in the past for id theft and also XXXX is still reporting XXXX XXXX XXXX  which was removed already by transunion but XXXX is still reporting and credit first as late but it has a XXXX balance and was credited the amount so therefore its no way it could be late credit first account was not updated to paid in full as the account was credited so it should not show as late

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 2022-11-28 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: NJ

Complaint narrative:
I have new information and a new police report for XXXX  XXXX with the account listed and the false amount owed. Also XXXX is still reporting XXXX XXXX XXXX which is removed and also they are reporting a account for lXXXX XXXX which is a collection account for XXXX XXXX which was removed in the past for id theft and also XXXX is still reporting XXXX XXXX XXXX which was removed already by XXXX but XXXX is still reporting and credit first as late but it has a XXXX balance and was credited the amount so therefore its no way it could be late credit first account was not updated to paid in full as the account was credited so it should not show as late

Company response to consumer: Closed with explanation