vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 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: OH

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed on my account by mistake, and I would like to appeal this decision. 

First and foremost, I want to emphasize that I have always strived to comply with PayPal 's policies and guidelines. To the best of my knowledge and understanding, I have not engaged in any activities that would warrant such a severe action against my account. I have consistently used PayPal for various transactions, both personal and business-related, without any prior issues. 

I kindly request that PayPal re-investigate my case thoroughly and provide me with an opportunity to address any concerns or issues that XXXX have led to this limitation. If I have inadvertently violated any policies, I am eager to rectify the situation and ensure that my account is in full compliance with PayPal 's terms. 

Having used PayPal as a trusted payment platform for a considerable period, I rely on it for various financial transactions. The permanent limitation on my account has created significant inconvenience and disruption to my personal and business activities. 

I kindly request that PayPal 's review team carefully assess my account and consider reinstating it if no clear violations of PayPal 's policies are found. I understand the importance of security and compliance, and I am committed to working with PayPal to resolve any issues promptly. 

I appreciate your attention to this matter and kindly request that you respond to this appeal as soon as possible. Restoring my PayPal account would greatly alleviate the challenges I am currently facing. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: IL

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I firmly believe that this limitation has been imposed in error, as I have always strived to adhere to PayPal 's policies and guidelines. 

I want to emphasize that I have not knowingly or intentionally violated any PayPal policies. Using PayPal for various transactions, I have consistently ensured compliance with your terms and conditions. This limitation has caused significant inconvenience, both personally and professionally, as PayPal plays an integral role in my financial activities. 

I kindly request that you re-investigate my case thoroughly and consider lifting the permanent limitation on my account. It is my sincere hope that, upon review, you will find no valid reason to continue the limitation, and my access to PayPal services can be restored. 

I greatly appreciate your prompt attention to this matter and your commitment to ensuring fair and just resolutions. I kindly request that you keep me updated on the progress of this review. Please do not hesitate to contact me at XXXX if you require any additional information or clarification from my end. 

Thank you for your time and understanding. I look forward to a positive resolution and the restoration of my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX. I am a victim of Identity Theft. I have noticed multiple accounts being reported to my credit that I didn't open or even had an idea existed. I have argued with Equifax customer service reps and they always give me the runaround. They try any reason to not remove said accounts. I have attached a PDF with the latest communication I sent to Equifax. I will also be including screenshots of one account as an example of how Equifax is reporting inconsistencies and therefore breaking the fair credit report act. They find any reason to deny my claims, I have spoken to XXXX XXXX ( XXXX of the creditors ) and all the information that they find " verified '' does not match any of my information on ANY credit report. The Identity Theft got so bad that I am facing an eviction and these accounts are stopping me from getting a loan out. I have over XXXX positive accounts to my credit report besides these XXXX. Also, please have them disclose the methods and the representative that helped them verify the accounts as " accurate ''. I am reporting them to you and the Consumer Financial Protection Bureau but I need proof of their verification methods because my next step is small claims court. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: WA

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation imposed on my PayPal account ( EMAIL : XXXX ). I believe there has been a misunderstanding or mistake, as I have always strived to adhere to PayPal 's policies and guidelines. 

First and foremost, I want to emphasize that I am confident that I have not violated any PayPal policies, knowingly or unknowingly. I have been a loyal and responsible PayPal user for an extended period, and I rely on the platform for various personal and financial transactions. 

I kindly request that PayPal re-investigate my account and the circumstances that led to this limitation. If there has been any unusual activity or misunderstanding, I am committed to working closely with PayPal to resolve it promptly and amicably. 

I understand the importance of maintaining the highest standards of security and compliance, and I am fully prepared to provide any information or documentation necessary to assist in this investigation. 

In conclusion, I humbly ask PayPal to reconsider the permanent limitation on my account and, if possible, to reinstate it. I have always valued the services and convenience PayPal provides, and I look forward to resolving this matter to continue using the platform responsibly. 

Thank you for your attention to this appeal, and I appreciate your prompt consideration of my request. Please do not hesitate to contact me at the email address associated with my PayPal account, XXXX, should you require any further information or clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXX, XXXX XX/XX/XXXXDate of Inquiry XX/XX/XXXX & XXXX XX/XX/XXXXDate of Inquiry 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 explanation
Consumer complaint received 2023-10-29 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: VA

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern and dissatisfaction regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed in error, and I would like to request a thorough re-investigation of my case with the aim of having my account reinstated. 

First and foremost, I would like to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge and understanding, I have not engaged in any activities that would warrant such a limitation. I have been a loyal and responsible PayPal user for an extended period, and this sudden restriction has caused me significant inconvenience and distress. 

I kindly request that PayPal 's support team thoroughly review my account activity, transactions, and history. I am confident that upon careful examination, it will become evident that I have not violated any of PayPal 's terms or policies. It is crucial for me to have my account reinstated, as it plays a vital role in my financial transactions and online activities. 

I understand that PayPal takes security and compliance seriously, and I appreciate the measures in place to protect users. However, I believe there may have been a misunderstanding or error in the assessment of my account. I am more than willing to cooperate fully in providing any additional information or documentation necessary for the re-evaluation process. 

In conclusion, I kindly request that you re-investigate my case promptly and thoroughly. My goal is to have my PayPal account reinstated as soon as possible so that I can continue to use your services for my financial needs. I believe in PayPal 's commitment to fairness and integrity, and I trust that this matter will be resolved in an equitable manner. 

Thank you for your prompt attention to this appeal. I look forward to a favorable resolution and the restoration of my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: NM

Complaint narrative:
I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been imposed in error, and I would like to request a thorough re-investigation of my case. 

I want to emphasize that I have always been committed to abiding by PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that violate PayPal 's terms of service. Therefore, I am genuinely surprised and concerned by the permanent limitation of my account. 

I kindly request that you review my account once more to ensure that there has been no misunderstanding or oversight. If there is any information or action required from my end to facilitate this process, please do not hesitate to inform me, and I will promptly provide any necessary documentation or clarification. 

My PayPal account has been an essential tool for my financial transactions, and its restriction has caused me significant inconvenience. I sincerely hope that after a thorough review, you will find that there has been no wrongdoing on my part, and you can consider reinstating my account. 

I appreciate your attention to this matter and your prompt assistance in resolving this issue. I am confident that a fair investigation will confirm my adherence to PayPal 's policies and lead to the reinstatement of my account. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is hiding my credit and not reporting it accurate!!! 
Experian is trying to black mail me into monthly payments monthly telling people who run my credit I don't have any accounts when they have my credit blocked inside of my account already but they not reporting these accounts existed they are saying I have no accounts or a score unless I pay them this is a scam!!! 

I have had XXXX credit cards over 28 years for a over XXXX in credit and never missed a payment 100 % payment history! 
I have always made payments on time never ever late 100 % payment history It's insulting to hear them tell me for a monthly payment I can have them report nice things about my rent and utilities this is not credit from a lender so what they trying to charge for is laughable will not help anyone borrow in the big picture!!! 
I am providing picture as proof of the Experian scam & fraud they trying to pull ... ....

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 2023-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I submitted a term-based application request to NelNet through my online account on XX/XX/2023. I received an email stating this application was confirmed, and my payments would change from {$230.00} per month to {$120.00} per month. This email stated my payments would update in XXXX days, and they would let me know when my payment plan would be changed. I had not recieved a response in 30 days, so I resubmitted for this same term-based plan on XX/XX/2023. After still not getting a response, I sent an email on XXXX, XX/XX/2023. In this email, I let them know that I had applied twice for the term-based repayment plan, and my payments have not updated, and my payment date is coming due at the end of XXXX. I recieved a response on Tuesday, XX/XX/2023 from XXXX XXXX stating that they could not help me via email, and that I needed to call and speak with an advisor. I called on Tuesday XX/XX/2023 right after I recieved this email, and was on hold for XXXX hours with no answer. I called again on Wednesday XX/XX/2023, and was on hold again for XXXX hours with no answer. It is impossible to get help from this company or to speak to a representative. They say they can not help you via email, but then do not answer their phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XXXX, XXXX and XX/XX/2021 I became extremely XXXX with XXXX. I was hospitalized in later XXXX to early XXXX, then on bed rest, Following my hospitalization I was on XXXX medications and weekly XXXX XXXX for my XXXX because I am XXXX. In XXXX I had a XXXXXXXX and my XXXX closed again. During this time I was unable to work, I was isolated and unable to pay my bills, leave the hospital or my home. I one point I cound n't even speak. Prior to this my payment history was stellar 100 %, Under the CARES act and due to the pandemic I should have been offered a solution or my credit history not reported late as I got caught up as soon as I could. I have made several attempts to reach out to all of my creditors, via complaints, calls, letters and filing online with little to no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I provided XXXX XXXX XXXX Chief Financial Officer at Navy Federal Credit Union Registered Notice of Intent to Tender Payment ( Notice of Accord ) sent XX/XX/XXXX via registered mail XXXX XXXXXXXX and received XXXX to invoke my right to suretyship and guaranty due to lack of informed consent on being considered an Enemy of the State according to the Trading with the Enemy Act of XXXX and under the War Powers Act of XXXX as well as Emergency Banking Act of XXXX. 
No response was received regarding Intent to Tender. 

I followed with Registered Notice of Tender with Special Deposit/Tender , Postal Money Order XXXX XXXXXXXX ( Trust Deed ) which was sent XX/XX/XXXX and received XX/XX/XXXX. Tender was returned regular mail with " Conditions not Accepted '' as the reason. 

I re-sent Registered Notice of Tender with Special Deposit/Tender , Postal Money Order # XXXX on XX/XX/XXXX and received XX/XX/XXXX requesting written correspondence on tender process guidance. Again Tender was returned regular mail with " Conditions not Accepted '' as the reason. 

According to Code of Virginia 8.3A-603a [ UCC 3-603b ], if Tender of Payment is Refused, there is Discharge. 
My notices have been ignored. I am seeking help in equitable resolution to this matter regarding Banks Liability for Wrongful Dishonor, Code of Virginia 8.4-402.

Finally, I sent Registered Statement of Discharge outlining all attempts to resolve this claim, Notice of Debt Assignment and Notice of Equitable Interest was sent via Registered Mail # XXXX on XX/XX/XXXX and received XX/XX/XXXX and to XXXX XXXX XXXX XXXX Attorney at XXXX and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XXXX, XXXX and XX/XX/2021 I became XXXX XXXX XXXX XXXX. I was hospitalized in later XXXX to early XXXX, then on XXXX XXXX, Following my hospitalization I was on XXXX medications and weekly XXXX XXXX for my XXXX because I am XXXX. In XXXX I had a XXXX and my XXXX closed again. During this time I was unable to work, I was isolated and unable to pay my bills, leave the hospital or my home. I one point I cound n't even speak. Prior to this my payment history was stellar 100 %, Under the CARES act and due to the pandemic I should have been offered a solution or my credit history not reported late as I got caught up as soon as I could. I have made several attempts to reach out to all of my creditors, via complaints, calls, letters and filing online with little to no success.

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 2023-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MD

Complaint narrative:
I have been trying to pay my account balance for the last three weeks and although I have received a payment confirmation email every single time, the money has not been removed from the account, and I continue to receive emails from Edfinancial services stating that I have not paid my balance. When I log into my account and look at my transaction history, each day that I have paid, there is another transaction stating that the payment has been reversed. Edfinancial did not directly communicate this to me -- I had to log in and check. I don't think it is fair that I am being penalized because the office is not making the withdrawal I am repeatedly authorizing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Foursight Holding LLC
State: MI

Complaint narrative:
On XX/XX/2023 FOURSIGHT CAPITAL LLC checked my credit for unknown reasons.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
When a client makes a payment on time or early do not flag their account as delinquent. I made a payment due in full on XX/XX/2023 and my payment due date is not until XX/XX/2023. My account was flagged late on XX/XX/2023. Please resolve your system billing issues with your clients payments being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I came back from being XXXX in XXXX for about 10 months to find that when I would try to apply for apartments I would constantly get denied although I thought my credit report was locked, I spent over {$900.00} consistently putting in application after application and I was ultimately denied, I have tried to dispute some of these negative items with TransUnion but was unsuccessful, During my XXXX there was a strange glitch In the TransUnion app in XXXX showing that I was consumer deceased making my credit score drop to XXXX everything was deleted from my report then refurnished without me being notified certified mail which ruined my credit further. In turn losing my XXXX XXXX to keep my job as a XXXX XXXX in the XXXX I will be terminated as of XX/XX/2024 XX/XX/2024

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