vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-22 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: MP

Complaint narrative:
Dear Sir/Madam, I am writing to submit a formal complaint against PayPal for suspending my account without any clear reason or explanation. My name is XXXX XXXX, and I have been a loyal user of PayPal for several years. I have always followed the terms and conditions of the platform and have never violated any of its policies. 

However, I received a notification that my account had been suspended. I was not given any explanation as to why my account was suspended, and I have not been able to access my funds or use my account since then. I have attempted to contact PayPal multiple times to resolve this issue, but I have not received any clear response or explanation. 

As a result of this suspension, I have been unable to make any transactions or access my funds, which has caused significant inconvenience and financial hardship. I have also lost trust in PayPal as a secure and reliable platform for conducting financial transactions. 

I am seeking your assistance in resolving this issue as soon as possible. I request that PayPal provides a clear explanation for the suspension of my account and restores my access to my funds. I also request that PayPal takes steps to prevent similar issues from occurring in the future and provides better customer support services to its users. 

Thank you for your attention to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: FL

Complaint narrative:
A temporary authorization was placed on my credit card account in the amount of {$320.00} by XXXX on XX/XX/2023. I was assured it would be removed immediately upon receipt of their returned XXXX  pre-paid item. 

The item was returned back by XXXX on XX/XX/2023 per attached receipt. Receipt of delivery was confirmed with XXXX by phone on XX/XX/2023 and I was assured the creditor was notified and the authorization amount was removed. I was told it might take 3-5 days to show on my credit card account but the merchant would be able to confirm it was done prior to it's posting. 

As of today XX/XX/2023, Citi card continues to hold the {$320.00} against my available credit line and insists they have no record of the authorization being lifted. I filed a dispute in order to get a temporary credit for my available credit line to be corrected. They will not give me a credit because an actual charge was never made, only an authorization. However, I am still absent my available credit of {$320.00} and they refuse to reinstate it. Citi said I just have to wait 30 days for it to fall off.

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 2023-04-22 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I took a taxi from the airport in XXXX to the XXXX XXXX on XX/XX/2022. I was told the charge would be {$25.00}, but when I paid for the trip I was told that the credit card would not process so I paid cash but did not get a receipt. After I left the cab, I received a fraud alert from Bank of America regarding XXXX XXXX XXXX card, saying that two attempts had been made to charge {$5300.00} to my card. I cancelled the card immediately and filed a dispute. I have spoken to Bank of America at least ten times and written a detailed description of the events. Bank of America has reviewed the case but continues to deny my claim both through the dispute and the fraud process.

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 2023-04-22 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: NC

Complaint narrative:
The Credit Bureaus XXXX, Experian And XXXX Are Reporting A Student Loan ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) That Was Forgiven/ Discharged Due To A Total And XXXX XXXXXXXX. I Have Paperwork To Prove, I Need This Removed From My Credit Report 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 2023-04-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
under Fair Credit Reporting Act. The accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1. Account name : XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account name : XXXX COMMUNITY Account # XXXX XXXX. Account name : XXXX XXXX Account # XXXX XXXX. Account name : XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681c ( a ) ( 5 ) 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1861 Section 604 A Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: OH

Complaint narrative:
I am filing a complaint with TranUnion Consumer Solutions and XXXX XXXX. I sent my first verify dispute letter on XXXX XXXX, 2023, to TransUnion. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation. On XXXX XXXX, 2023, I had sent my third validation dispute letter to TransUnion stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. TransUnion ignored my response and provided no reasonable method of verification on why they verified this debt.

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 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-04-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a complaint with Experian and XXXX XXXX XXXX. I sent my first verify dispute letter on XX/XX/2023, to Experian. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to XXXX XXXX XXXX, regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to Experian stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. Experian ignored my response and provided no reasonable method of verification on why they verified this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI

Complaint narrative:
I have gotten information back about my and the case number is Submitted a case the number is # XXXX got word back from appeal, case management specialist and told me about the matter of looking in to my transaction would need another complaint asking about a transaction of XXXX and XXXX a lump sum, from account, and would like them to give these account number that the payment came from and would want this information for having banking problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fruad Accounts Appearing On All Three Credit Reports at this time.

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 2023-04-22 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: IL

Complaint narrative:
Update my credit information to the correct information!!! Everything on there is messed up!! Even my name wrong man, no they are gon na end up paying for this TRANSUNION your going to end up paying for damaging my credit!!! why are not updating my CURRENT ACCOUNT!!! Why are closed accounts STILL OPEN?!! And you didnt even update none of my balances!! .I want a settlement!!! Fix my credit report NOW!! and I want a settlement!!! 

My name is also spelled XXXX XXXX XXXX fix that!!! You never fixed my name!!! Im tired of transunion messing my account up!!! Its always them that wan na correct information late!! And i still didnt get all the points i lost over the fraud!! I lost XXXX points over a accout that was supposed to be closed!!! Transunion is the only company left keeping it open!!! After being told it was closed and settled multiple times!!! They have to fix everything Im no where near satisfied

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 2023-04-22 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I submitted a dispute directly to Experian on XX/XX/23 regarding a public record on my account that should not be there. I submitted documentation showing I contacted the Court in Idaho and documentation showing I contacted the 3rd party company that Experian uses to verify information. I am attaching the correspondence to this complaint. The Court letter states they do NOT verify with credit bureaus. The letter from XXXX states they are unable to verify the information and it has been deleted from their system - yet Experian states they verified the information as accurate. I have disputed this on multiple occasions, providing all of the documentation showing this inaccurate information needs to be deleted from my credit report and Experian has decided to break the law by not properly investigating and removing it 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 2023-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I've called multiple times about this issue, so please understand if all of the dates do not line up. I contacted Citi about my life and medical hardships since they began occurring in XXXX. Having lost both of my parents, getting to buy a house, but then immediately getting into XXXX XXXX car accidents, losing two jobs, my fianc losing her job with being unemployed consistently, and both of us needing XXXX, there was a lot going on. I made every effort to at least keep the account as current as possible, granted being a few days late here or there and being over limit due to having to bridge the loss of income with something. Citi profited from me from use of the card, from late fees, and from interest, all during my period of medical issues and lowered income. 

Fast forward to XX/XX/XXXX where my fianc and I finally settle our XXXX XXXXt cases out of court and have enough money to pay down about 90 % of our debts, so we do. I chose to pay Citi on XX/XX/XXXX, the roughly $ XXXX that I owed them across three credit cards. Not maybe several days to a week after I make these payments and finally feel some semblance of normalcy coming back to my financial situation, Citi chose to cut only ONE of the credit limits down by over 90 % ( $ XXXX to {$1300.00} ) ; of course this also the XXXX card I was looking forward to using again on the daily and paying off consistently since it has the best rewards and APR. Citi had not, and still has not, touched two of my Credit Cards that I don't use, as these cards currently have penalty APR rates. I feel Citi is waiting for me to use so they can profit off the fees again due to my medical situation, before the penalty rate falls off then they will cut the limits down on these cards too. 

I have contacted Citi to attempt to reinstate the credit limit to no avail. I have asked to combine/consolidate my credit limits to this one card ending in XXXX to no avail. Citi has cleared discriminated against me by profiting off my misfortunes, waiting for me to pay them off in full, then immediately reducing my ability to spend down. 

Citi will make claims stating " We are abiding by ECOA and FDCPA '', but there is evidence here that shows they are choosing to do otherwise, only profiting off of negative situations before wanting to reduce risk and claim it under ECOA and FDCPA. 

If Citi had either waited an entire Billing cycle or allowed multiple Credit Limit reinstatement requests, they would see that my risk profile has significantly reduced over the course of the past 45 days, as my utilization has dropped, several inquiries will be falling off in XXXX, and increased income due to my fianc being back to work.

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 2023-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I got a Rocket Mortgage loan ( Loan number XXXX ). During the application process, the representative promised discounts and rebates totaling about {$8000.00}. The discounts were not on the loan documents but the representative stated the discounts do not show up since the rebate check will be sent separately. Therefore, I signed the estimates. 

Few days before closing date, Rocket Mortgage representatives state the discounts can not be honored. It was too late for me to walk away so in order to keep the house and the interest rate which I had locked in, I kept the closing and had to close and lose {$8000.00} in discounts. This was a clear case of breach of contract and bait and switch fraud. 

Rocket Mortgage offered me a check of around {$2400.00} to make up for it. I took it but filed a lawsuit for the remaining portion. They offered another {$2400.00} to settle the case, but I did not take it because it is not the full amount. 

I filed a lawsuit and lost due to lack of evidence. I appealed and all the text messages, emails which showed multiple rocket mortgage representatives promising the discounts helped me to win the case. The judge agreed that there was fraud here and granted me the remaining promised amounts. 

While this is a victory for me, my goal is to start an investigation into other customers accounts to see if other people also had to agree to paying higher fees or lost out on discounts few days before the signing of closing forms due to Rocket Mortgage 's breach of contract/bait and switch tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Credit Bureaus XXXX, XXXX And TransUnion Are Reporting A Student Loan ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) That Was Forgiven/ Discharged Due To A Total And XXXX XXXX  I Have Paperwork To Prove, I Need This Removed From My Credit Report 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 2023-04-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The information on my credit reports is not correct. This is hurting me from obtaining credit and providing for myself. These accounts need to be removed and deleted from my credit report. Under laws 15 U.S. Code 1692d- Harassment and abuse, 15 U.S. Code 1692e- False or Misleading representations, 15 U.S. Code 1692f- Unfair Practices, these accounts and misinformation should be removed promptly. I would like for you to cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm a victim of credit fraud my identity has been compromised. I don't recognize these inquires please remove from my account. I have a freeze on my report. Please remove these inquires please review the list below. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Dispute this XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX,, XXXX, OR XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22 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: LEXISNEXIS
State: ID

Complaint narrative:
I asked LexisNexis to verify the information they're reporting on my report. On XX/XX/2023 I received a letter saying everything was verified. 

I still found inaccuracies between the public record information and the information they're reporting. 

They're reporting incorrect information and claiming that it is accurate.

Company response to consumer: Closed with non-monetary relief