vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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: HI

Complaint narrative:
To the PayPal Appeals Team, I hope this message finds you well. I am writing to address a recent development regarding my PayPal account, which has been permanently limited. I believe that this limitation might have been the result of an unfortunate misunderstanding or error. I would like to appeal this decision and kindly request a re-investigation of my case. 

I would like to emphasize that, to the best of my knowledge, I have diligently adhered to all PayPal policies and guidelines. I have not engaged in any activities that could violate these terms. The limitation on my account has come as a surprise and I am deeply concerned about the implications it holds for my financial transactions. 

Given the circumstances, I am kindly requesting PayPal to conduct a thorough review of my account 's history and the factors that led to its permanent limitation. If any irregularities or concerns are identified, I am committed to addressing them promptly and effectively to ensure the integrity of my account. 

The email address associated with my PayPal account is XXXX. I urge PayPal to consider my track record as a responsible user of your platform. I value the services PayPal provides and have always used them judiciously. 

I understand that maintaining a secure and trustworthy ecosystem is of paramount importance to PayPal. I share these values and am genuinely invested in resolving any issues that have led to my account 's current status. I kindly request PayPal 's understanding and assistance in re-evaluating my case and potentially restoring my account to its full functionality. 

I appreciate your time and attention to this matter. I eagerly await a positive resolution to this situation. Please feel free to reach out to me at XXXX for any further information or clarification you might require. 

Thank you for your consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a XXXX XXXX card from Capital One, and they are not abiding by the card terms re the {$300.00} annual travel credit. 

One of the advertised " rewards '' associated with paying ( currently ) $ XXXX for this card is a {$300.00} *annual* travel credit that can only be used at Capital One Travel... In order to help cardholders keep track of this important annual benefit, Capital One has a tracker on the their website that tells you whether the annual credit is available, how much has been used and when the annual credit resets. 

During my first year, I received the credit after making a booking, although Capital One had some operational issues and made a bunch of credits/debits, which I reasonably assumed they managed to do properly. 

Following my first card anniversary, I checked the tracker ( see screenshot ) that indicated the full {$300.00} credit was available, and on that basis I booked travel ~ {$320.00} at Capital One Travel, which I would not have otherwise used but for the credit. After waiting ... and waiting ... and there being no credit, I called Capital One who told me to wait some more. Still no credit, so upon calling again they said they would investigate. 

Their investigation concluded that due to their mess-up with the credit/debits during the first year, Capital One would not honor the annual credit this year, notwithstanding their website telling me ( and continuing to tell me ) the full {$300.00} annual credit was ( and is ) available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: GA

Complaint narrative:
I reached out to the XXXX major credit bureaus and stated this : In XX/XX/2015, I was at a party and my purse was stolen that had all of my personal sensitive information such as my ID and social which were stolen. I didn't think someone would actually steal my identity but I've recently check my credit report and saw accounts open and hard inquiries that I did not open and don't belong to me. I have listed them above but here is another one that I was unable to add : XXXX : XXXX XXXX XXXX, Acct : XXXX, Opened : XXXX, Balance : {$470.00}. Inquiries : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I had a supplemental tax bill that I sent to UWM on XX/XX/XXXX via their designated email address. The bill was due on XX/XX/XXXX. The bill was not paid when checked on that date so I chatted with them. Their agent mentioned that they are still working on it and that is when I mentioned that there will be a late fee penalty if the bill is not paid on time. Their agent responded that they will pay the penalties. It is also mentioned on their website that if they miss the due date, they cover the late fee. 

Today, XX/XX/XXXX, I started a chat with UWM and their agent mentioned that they received my supplemental tax bill on XX/XX/XXXX not XX/XX/XXXX and that this bill was paid as a courtesy and it is my responsibility so they are not going to cover any late fees. I mentioned to her that I emailed it on XX/XX/XXXX and have proof in my sent folder. I also mentioned their promise on XX/XX/XXXX to cover the penalties. She mentioned that they dont make promises and she is not sure who made that promise to me. 

I have screenshots of both chat sessions, the one on XX/XX/XXXX and today, available for review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have received a temporary dispute and am being asked to provide a 2nd opinion letter which is impossible for all intents and purposes. 

Please see the attached correspondence.

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 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-22 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: MI

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Upon viewing my most recent consumer report, I saw XXXX that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under XXXX5USC1681 section 602 I have the right to privacy. 15USC1681 section 604a section 2 states A consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. 15USC1666b Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
I am disputing a collections attempt from Lien Enforcement Inc. for the amount of {$4300.00} plus interest of {$29.00}. The stated debt is from a previously owned and sold vehicle ( XXXX XXXX XXXX last of VIN # XXXX ) that incurred towing fees at a later date - not specified by the creditor. The vehicle was sold on XX/XX/XXXX and the Release of Liability was promptly submitted to CA XXXX. On XX/XX/XXXX I spoke with XXXX XXXX from Lien Enforcement Inc., and advised that I would be disputing the debt and sending them proper documentation via certified mail showing them proof that I was not the owner of the vehicle at the time the towing fees were incurred, including the Bill of Sale and Release of Liability. As of today, I have received another letter asking for the debt in full, but never received acknowledgment of the dispute. In attempt to resolve this issue, I have called Lien Enforcement Inc. and talked to several representatives that have only continued to tell me that this is still my debt and just hang-up on me. I have exhausted my options and need additional help resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2023-08-22 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: NJ

Complaint narrative:
the following acoount s are being reported inaccurately XXXX XXXX XXXX XXXX XXXX account XXXX XX/XX/XXXX late account is on auto pay, XXXX XXXX incorrect balance - always pay to a XXXX balance. experian, XXXX and XXXX are inaccurately report the 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 explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX auto loan from XXXX XXXX XXXX XXXX XXXX is not reporting/ missing on my Credit Report XXXX XXXX loan from XXXX XXXX XXXX XXXX - XXXX is not reporting /missing on my Credit Report XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX is not reporting/ missing on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is not reporting /missing on my Credit Report All these account is in good standing and paying as agreed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: PA

Complaint narrative:
To whom it may concer this letter is a formal complaint tht this company is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However your company is reporting a late payment which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which this company has failed to do.the following accounts on my credit report which are reporting illegal. 
XXXX XXXX XXXX account # XXXX latepayment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXXlate payment. 
Dept of education account # XXXXlate Payment. 
Dept of education account # XXXXlate payment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXXlate payment.

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 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
( 1 ) Reported card missinG XX/XX/2023. 
( 2 ) Received email about customizing card XX/XX/2023 ( 3 ) XX/XX/2023 email received statinG the custom card was beinG reviewed ( 4 ) XX/XX/XXXX received confirmation that the new custom card was approved and should take XXXX to XXXX business days to arrive ( 5 ) Received card on XX/XX/2023 Now my acct is shut down statinH it's a charge off of XXXX $ bucks which is not fair at all!!! 
If it's so prayed can you please Get this resolved!? I bee working on my credit and for me to take all proper steps and get the rug pulled from under my feet is ABSURD!!!

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 2023-08-22 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) related to my account, which was charged off. Pursuant to Section 6050P of the Internal Revenue Code, I am entitled to receive this document for accurate tax reporting purposes. 
Additionally, I am writing to express my serious concern regarding the ongoing adverse impact of the charge-off associated with my account on my credit report. This continued reporting may potentially violate provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 623 ( a ) ( 3 ), which stipulates that information reported must be accurate and not misleading. 
In light of the aforementioned concerns, I am formally requesting the following actions be taken : * Provide me with a copy of the 1099-C for the referenced account within 30 days of receiving this communication, as mandated by Section 6050P of the Internal Revenue Code.

* Immediately cease and desist any further legal actions, including the pending lawsuit relating to this account, in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant state laws.

* Rectify the status of the charge-off on my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), which requires that information reported is not outdated and is accurate.

Failure to comply with these requests may constitute violations of applicable federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant regulations. It is my sincere hope that we can resolve this matter amicably and avoid any further escalation. 
Your prompt attention to this matter is appreciated. I look forward to a swift and equitable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I placed an order with XXXX on XX/XX/XXXX and was sent in the incorrect item. Item was returned to XXXX with tracking confirming delivery. XXXX XXXX page confirms return received and refund processing but never actually received refund. 

Contacted Citi in XX/XX/2023 and was told to try and resolve with XXXX and that I can dispute within 6 months if not resolved. 

Contacted Citi again XX/XX/2023 and was told dispute in process. 

Contacted Citi again later XX/XX/XXXX because Citi started a fraud claim and close my card which was not what I requested. Citi representative said she fixed the issue Contacted Citi again XX/XX/XXXX because I still cant see any disputes and now Im being told none of the information I was given was correct at all and I needed to send a letter to Citi. The representative on the phone was not surprised or concerned at all that I had been repeatedly given bad information and claimed Citi Back does not guarantee the accuracy of information provided by their representatives and that I should not have trusted them. This is very disheartening to hear especially from a financial institution. 

In attachment you will find XXXX order and return page XXXX tracking page Citi card statement

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 2023-08-22 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: TN

Complaint narrative:
I was a victim of identity theft when I was XXXX. My personal information was used to get credit cards. I have tried to fix this numerous times, but XXXX still hasn't removed these accounts. They know I was underage but do nothing about it I have spoken to many people. They are not doing the correct dispute and following the FCRA This is the company : XXXX XXXX XXXX There are three accounts with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've tried to get this accounts removed from my credit report, I read up on consumer laws and it states according to the 15 u s.c. 1692 that's these shouldn't be on my report. Please Help me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They have unlawfully added these accounts on my credit report. Thanks In Advance

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