vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 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 Service, I am writing to submit a formal complaint regarding the permanent limitation that was placed on my PayPal account. I believe that this limitation was placed on my account by mistake, as I have not violated any PayPal policy. 

I have been a loyal PayPal customer for several years and have always followed the terms and conditions outlined in the PayPal user agreement. Despite this, I was recently informed that my account has been permanently limited. I was not provided with any specific reason for this action and I believe that this was a mistake. 

I respectfully request that PayPal re-investigate my case and restore my account if possible. I would appreciate it if you could provide me with any information regarding the reasons behind the limitation and the evidence that was used to make this decision. 

As a responsible PayPal user, I take my account security seriously and I can assure you that I have not engaged in any fraudulent activity or violated any PayPal policy. Therefore, I would like to appeal this decision and ask that you reconsider your decision to permanently limit my account. 

I look forward to hearing from you soon regarding the outcome of my case. For your reference, the email address associated with my PayPal account is XXXX. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i had a Capital One credit card and they kept waiting days and days to take my money, even though i talked to my bank and the funds were there, they would processes it for days, so that i would get a late fee on my credit report, i paid extra every month, and they said my payments were returned and theres no way i had money in my account, i looked at my payments and what i purchased and the way i see it is they owe me XXXX dollars that i paid extra because they took so long to take my payment they ruined my credit, and i talked to someone just last week he said my ballance was XXXX, i have a witness to all this as well, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Over excessively fees charged for late payment and escrow yearly. Ive only received 1 escrow payments in the 17 years of making payments. Applied for loan modification services year ago and never processed just to receive payment for back payments process and lawyer fees twice. I cant caught a break due to over paid fees. Insurance companies payed once for repairs and Well Fargo kelp the check for 5-7 years before 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 explanation
Consumer complaint received 2023-04-20 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: KS

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: KS

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-20 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: Nelnet, Inc.
State: AR

Complaint narrative:
I was never late on the account listed above. Please provide me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payments from my report. FCRA allows 30 days for this to be rectified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: NV

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-20 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing this complaint in regards to the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed by mistake and would like to appeal this decision. 

I would like to bring to your attention that I have not violated any of PayPal 's policies or terms of service. I have been a loyal and active customer of PayPal for several years and have always used the platform in accordance with its guidelines. Therefore, I am puzzled as to why my account has been limited. 

I am kindly requesting PayPal to re-investigate my case and restore my account if possible. I am willing to cooperate with PayPal 's investigation and provide any additional information or documentation that may be required to prove my innocence. 

I understand that PayPal takes its policies and regulations seriously, and I respect the company 's efforts to ensure the safety and security of its users. However, I believe that my account has been wrongly targeted, and I am eager to have this issue resolved as soon as possible. 

I appreciate your attention to this matter and hope to hear back from you soon with a favorable resolution to my case. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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.

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 2023-04-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I was never late on the account listed above. Please provide me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payments from my report. FCRA allows 30 days for this to be rectified

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 2023-04-20 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: AR

Complaint narrative:
I was never late on the account listed above. Please provide me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payments from my report. FCRA allows 30 days for this to be rectified

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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-04-20 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: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: CT

Complaint narrative:
Dear PayPal Customer Support, I am writing this letter to express my dissatisfaction with the permanent limitation placed on my PayPal account. I strongly believe that this action was taken in error and without proper justification. As such, I am requesting that PayPal re-investigates my case and restores my account if possible. 

I have always been a law-abiding and responsible user of PayPal, and I have not violated any of the company 's policies or guidelines. Therefore, it came as a surprise to me when I received a notification informing me that my account had been permanently limited. 

I would like to reiterate that I have not engaged in any fraudulent or illegal activity on PayPal. I have always followed the company 's policies and have never been involved in any disputes or chargebacks. 

I understand that PayPal has its own protocols and procedures for dealing with account limitations, but I believe that in this case, a mistake may have been made. I respectfully request that PayPal re-evaluates my account and provides me with an explanation for the permanent limitation. 

If it is found that my account was indeed limited in error, I would appreciate it if my account could be fully restored. I have been a loyal and active customer of PayPal for several years, and it would be a great disappointment to lose my account due to an error. 

For your reference, the email address on my PayPal account is XXXX. 

Thank you for your attention to this matter. I hope to hear from you soon with an update on my account status. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Commencing about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX  ( the Company ), which involved me making deposits for a total amount of XXXX XXXX  from my Wells Fargo account to fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Wells Fargo did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Wells Fargos custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Wells Fargo promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Wells Fargo was in compliance with its own policies and procedures ; ( v ) whether Wells Fargo owed duties to myself, what the scope of those duties was, and whether Wells Fargo did not uphold those duties ; ( vi ) whether Wells Fargos conduct was unfair ; and ( vii ) whether Wells Fargo has within its power the ability to, and should, compensate me for the harm that has befallen me.

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 2023-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I had a loan with ally auto. I have been paying down the balance of my car every two weeks and they still repossessed my car even after I spoke with over the phone multiple times about a payment plan that they agreed on and they still repossessed my car. I have been paying every XXXX weeks. This means XXXX dollars a month and my balance has not changed and they repossessed my car. This company is a scam. I have been paying every XXXX weeks since XX/XX/XXXX and they repossessed my car in XX/XX/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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Upstart Holdings, Inc.
State: MD

Complaint narrative:
These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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 Service Team, I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation was made in error and would like to request a re-investigation of my case. 

Firstly, I would like to emphasize that I have not violated any PayPal policies. I have always been a responsible user of your platform and have never engaged in any activities that could potentially harm PayPal or its users. Therefore, I was surprised and deeply disappointed to learn about the permanent limitation on my account. 

Secondly, I would like to highlight that I value the services and opportunities that PayPal provides and would like to continue using your platform for my personal and business needs. Being unable to access my account has caused me significant inconvenience and financial losses, and I would appreciate your prompt attention to this matter. 

Finally, I respectfully request that PayPal re-investigate my case and restore my account if possible. I am confident that a thorough review of my account history and transactions will confirm my compliance with all PayPal policies and procedures. 

I would like to thank you for your attention to this matter and look forward to a favorable resolution of my appeal. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Reference : Dispute with XXXX XXXX XXXX on XX/XX/ for {$79.00}. 
Case Number : XXXX On XXXX, the amount of {$79.00} was unlawfully and without my authorization placed on my Platinum Capital One Credit Card by XXXX Airlines. 

I contacted XXXX XXXX XXXX customer service department 3 times to discuss this issue and each time I was placed on hold for over 1 hour or a manager never returned my phone calls, so I contacted Capital One to dispute the charge. 

I submitted all the documentation Capital One was requesting to dispute the unauthorized charge to my account, however, Capital One is refusing to credit the {$79.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Fraud happen someone maxed my card out called for help I sent a email I called I made a complaint no reply when I first got the card I asked for a more than I was giving because of my business but I was told I wasnt able to get it because I dont know why they made me feel it was because I put XXXX American on the form also at the time my credit score was XXXX and they still want to help me and I never signed anything for them to share/sell my 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 non-monetary relief