vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 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: NY

Complaint narrative:
Dear PayPal Customer Support, I hope this letter finds you well. I am writing to submit a formal complaint and appeal regarding the permanent limitation imposed on my PayPal account, under the email address XXXX. I firmly believe that this limitation has been placed on my account due to a misunderstanding or mistake, as I have not violated any PayPal policies or engaged in any unauthorized activities. 

Firstly, I would like to emphasize that I have been a loyal and responsible PayPal user without any previous incidents. It is with great surprise and concern that I received the notification about the permanent limitation on my account. I have always adhered to PayPal 's terms of service and have maintained a clear understanding of the policies outlined by your esteemed organization. 

I kindly request that you reconsider and re-evaluate my case thoroughly. I urge you to conduct a comprehensive investigation into the circumstances that led to the imposition of this limitation. I am confident that a review of my account activities will reveal no violation of PayPal 's policies, as I have consistently conducted legitimate and legal transactions within the framework of the service. 

In light of the above, I respectfully request that you restore full access to my PayPal account. I understand that mistakes can occur, and I am hopeful that this limitation is the result of an oversight or misinterpretation. I believe in the fairness and integrity of PayPal 's processes and trust that my account will receive the attention it deserves. 

I kindly ask you to review my case diligently and provide me with a prompt response regarding the outcome of your investigation. I am eager to resolve this matter as soon as possible, as the limitations placed on my account have caused significant inconvenience and disruption to my personal and financial affairs. 

I appreciate your attention to this matter and thank you for your understanding. I remain confident that PayPal will reevaluate my case with the utmost fairness and rectify this situation accordingly. I look forward to a positive resolution and the restoration of my PayPal account. 

Should you require any further information or documents to assist in your investigation, please do not hesitate to contact me at the provided email address or phone number. I am more than willing to cooperate fully and provide any necessary evidence to support my claim. 

Thank you for your time and consideration. I eagerly await your response. 

Yours sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: IL

Complaint narrative:
I have spoken to experian and I advised of requesting removal of inquiry from XXXX XXXX. XX/XX/2023. I sent previously information to show a hard inquiry was made on my credit report, in which they denied. I also uploaded a letter from XXXX XXXX requesting inquiry to be removed as well as XXXX XXXX  has advised they personally requested to remove the inquiry as well. Experian still has not complied. I spoke to experian and confirmed they did indeed receive the letter from XXXX XXXX that I uploaded on their site. They still have not removed the inquiry nor gave me back the points that was taken from my credit score. I was advised that if a company request to remove or provides a letter to request a removal of an inquiry that is sufficient and still they have not removed the unauthorized inquiry or provided my points back.

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 2023-05-31 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: TX

Complaint narrative:
I have no association with the mentioned creditors, and I did not initiate the inquiry in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I was looking for an apartment to rent in XXXX, VA and came across a listing on XXXX marketplace. So I contacted them via XXXX and then they sent me additional information via email. So I found it a reasonable deal and they looked like good people but I hadn't seen the house or met the person face to face. They sent me lease documents and payment receipts for the {$750.00} security deposit plus {$750.00} one month 's rent. Then later they sent me a text message saying they can not Access their XXXX account and that I need to contact my bank since they can not contact their bank from their end. I tried but the bank denied the claim and I couldn't get the money back. But meanwhile, the renters said in order to keep the space and because I signed the lease I still need to pay atleast {$750.00} deposit. I was hesitant but still paid it thinking they legitimately couldn't Access their previous account, and my mistake that I didn't consult anyone else on this matter. Then after this they sent me a receipt of the payment. But after this they started pressurizing me to pay for 6 months rent upfront saying that the owner is facing foreclosure and that they would be grateful for any help they can get. But for the earlier initial {$1500.00} dollar we hadn't gotten the money back. So I was hesitant and denied to pay and accept this 6 month offer. But they still kept on pushing and then I finally said no. Then they didn't contact me for a couple of days. But then, I didn't hear from them regarding any updates so I contacted them and told them that I wanted to cancel the lease because I wasn't feeling comfortable dealing with them and I was having doubts it was a legitimate posting. I told them to cancel the lease but they said they need extra {$300.00} payment for Attorney and cancellation fees. So I informed them to just deduct it from the second {$750.00} deposit that I had paid. But they were not ready to do that, they kept on insisting I pay them extra. And telling me that they would return the money as soon as they recieve the additional {$300.00} and the contract would be void. But my suspicions were growing so I told them I can not pay the extra XXXX and I didn't have that kind of money anymore. So I told them no. And after that I haven't been able to contact them anywhere. And {$2200.00} of my total money had been taken by them. I filed a fraud claim with my bank and the bank refused and denied the claim saying because the transaction was completed through XXXX, they can not do anything. I have no other option but to file a report here because I am a student and that was all my savings that I put on the apartment and now there's no way of retrieving it. I xannot contact the apartment renters and the bank has given up and can not help me, so I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
On XXXX XXXX I submitted a dispute to the bureaus to remove unverifiable information. Per the FCRA 609, it states the Credit Bureaus must verify ALL information received from creditors BEFORE placing it into a consumers credit file. This means that they must have the ORIGINAL SIGNED DOCUMENT from the creditor before they can report it. They have not responded nor have they provided " verifiable '' proof beyond the scope of what was reported to them in error. Reference CFPB COMPLAINT ID XXXX. What they did was validate the debt with the dent reporter. I did not ask for debt validation, I asked as my right per the FCRA 609, that they provide me with proof they have followed the law and have proof of the originasl contract. They did not send me that .The FCRA states to legally report anything the bureaus must possess the original contract. They have failed to produce this to me so I am demanding they remove the " unverified '' information.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
XXXX WAS PAID IN FULL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: CA

Complaint narrative:
I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: CA

Complaint narrative:
I am requesting that you investigate and take necessary action to 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 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2023, I paid for several purchases with a debit card. The transactions seemed to have disappeared for several days after that point. On XX/XX/XXXX, I look at my account and see that I was assessed XXXX, XXXX dollar OD FEES to my account. Looking at the account, which was never in the negatives at any point during this 5 day period, all of my transactions starting with a {$3000.00} deposit were reordered to make it appear as though I was in the negatives as of XX/XX/XXXX which I was not. PNC consistently makes excuses as to why my debit card transactions disappear, this time claiming they verify purchases if they are items being shipped. Before that, they blamed the merchant saying they would do this, which is simply false. I would like PNC to refund me the approximate {$100.00} that they took from my account due to their reordering of my transactions. I am tired of hearing things about backend processes and phony claims of verification of debit charges that take days. These are fraudulent activities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
I would like to emphasize that the inquiry in question is not associated with me in any way.

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 2023-05-31 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: CA

Complaint narrative:
.I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: OH

Complaint narrative:
The unverified late payment listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is correct

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 2023-05-31 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: VA

Complaint narrative:
Filed XX/XX/2016 Reporting of Bankruptcy court # XXXX, # XXXX, case # XXXX ( Experian ) Dismissed/Closed Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
The reporting of this hasnt been verified that it was furnished by the bankruptcy court system. It was actually furnished by XXXX XXXX. If within this investigation it is determined that it wasnt furnished via the properly lawfully process, which is the bankruptcy court itself, I would like to request that this reporting is removed from my credit file immediately. If not I will be forced to file for litigation in court to have this resolved.

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 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Capital One repeatedly " double dips '' my checking account on my online purchases by placing a duplicate authorization hold on top of already posted and cleared transactions. Artificially lowering my balance by twice the amount of the purchase. Puts my account in the red. Effectively freezes my available funds for several arbitrary business days. This is happening almost weekly. 

XXXX places duplicate charges on my checking account on my online purchases by placing a duplicate authorization hold on top of already posted and cleared transactions. Artificially lowering my balance by twice the amount of the purchase. Puts my account in the red. Effectively freezes my available funds for several arbitrary business days. This is happening almost weekly. 

XXXX places duplicate charges on my checking account on my online purchases by placing a duplicate authorization hold on top of already posted and cleared transactions. Artificially lowering my balance by twice the amount of the purchase. Puts my account in the red. Effectively freezes my available funds for several arbitrary business days. This is happening almost weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Wakefield & Associates Have Two Derogatory Statements That Have Impacted My Credit Report And Stopped Me From Obtaining Credit Cards And Any Thing That Credit Offers My Score Has Dropped XXXX Points And It Has Reiund My Score Wakefield & Associates XXXX Wakefield & Associates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
From late XXXX of XXXX until late XXXX of XXXX I was charged by the company XXXX for purchases that I did not make totaling over XXXX XXXX On XX/XX/XXXX I was charged XXXX, on XX/XX/XXXX XXXX, on XX/XX/XXXX XXXX, on XX/XX/XXXX XXXX, on XXXX XXXX, on XXXX XXXX, on XX/XX/XXXX XXXX, on XX/XX/XXXX XXXX and XXXX and XXXX, on XX/XX/XXXX XXXX. I contacted XXXX and they were able to refund only a a few dollars saying that I reported it too late. I contacted my bank, Bank of America, and they were also able to only refund a few dollars, saying that the majority of the money could not be refunded because it was reported too late. I travel for work and go backpacking a lot so I was not able to do a complete audit of my bank account spendings until I was done traveling, so I did not notice the fraudulent expenses until a few months after. At the time of the charges from XXXX I had been backpacking the XXXX XXXX and was not in a place where I could be constantly checking my bank account.

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 monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
PayPal makes duplicate charges on my method of payment card after online transactions. Paypal authorization hold remains on account despite transactions posted and cleared. Paypal is double dipping by withdrawing the transaction amount while simultaneously placing an indefinite authorization hold on my available funds essentially freexing my account and sitting on my money. This is all in concert with XXXX purchases and XXXX XXXX XXXX checking account and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to the bureaus to remove unverifiable information. Per the FCRA 609, it states the Credit Bureaus must verify ALL information received from creditors BEFORE placing it into a consumers credit file. This means that they must have the ORIGINAL SIGNED DOCUMENT from the creditor before they can report it. They have not responded nor have they provided " verifiable '' proof beyond the scope of what was reported to them in error. The FCRA states to legally report anything the bureaus must possess the original contract. They have failed to produce this to me or respond in 30 days so I am demanding they remove the " unverified '' information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I went through a debt consolidation company, not recommended. One of the accounts that I told was settled is still showing on my credit report. I contacted JPMorgan ( Chase ) and spoke to a few knowledgeable representatives. They told me that they saw my agreement, but it was voided because no payments were made per the agreement. I contacted " XXXX '', they sent me the endorsed checks that were sent to Chase on my behalf. The fact that the proof I need to send them can only be sent by FAX, and apparently everyone is sending documents by FAX, I can not get my information to them. I have been trying for a week now and can not get through. The fact that they are so behind the times and I can not get any documented proof that my account should have been settled is absolutely ridiculous. I can not believe that there is absolutely NO WAY to communicate through an email. Almost as if they know they were wrong and don't want me to get the information to them. I am trying to get a home equity loan and this is the only thing holding it up. I did send the docs through XXXX, in hopes something can be done. I am at a true loss and to say that this is frustrating is ridiculous. Please help ......

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation