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: NC

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, associated with the email address XXXX. I believe there has been a misunderstanding or error in this decision. 

Firstly, I want to emphasize that I have always strived to comply with PayPal 's policies and regulations. To the best of my knowledge, I have not engaged in any activities that violate PayPal 's terms of service. This limitation has come as a surprise to me, and I am eager to understand the specifics of the alleged violation, as it remains unclear to me. 

I kindly request that PayPal re-investigate my case thoroughly. I am hopeful that upon closer examination, it will become evident that this limitation was placed in error or due to a misunderstanding. I value the services provided by PayPal and the convenience it offers, and I am keen to resolve any issues to continue using this platform responsibly. 

I understand that PayPal takes account security and policy compliance seriously, and I share in this commitment. If there are any actions or steps I need to take to assist in the resolution of this matter, please do not hesitate to inform me. I am ready and willing to cooperate fully to ensure that this situation is resolved amicably. 

I kindly request that my account be reinstated if, upon review, it is determined that no violations have occurred. I appreciate your attention to this matter and your prompt response. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I requested Specialized Loan Servicing to send me documentation validating the debt I allegedly owe to them. SLS sent me a correspondence that stated : SLS is a third-party mortgage loan servicing and is not the owner/investor of the loan. The original creditor of the loan is as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX The current creditor of the loan is as follows : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX defined Creditor : CREDITOR. A person to whom a debt is owing by another person who is the " debtor. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX. 

As per XXXX XXXX  About Us ( https : //www.fanniemae.com/about-us ) the corporation states : We do not originate loans or lend money directly to borrowers. 

If Fannie Mae does not originate loans or lend money directly to borrowers per XXXX XXXX XXXX, please explain how I owe a debt to them. 

Secondly, can you explain why the original copy of the security deed you sent me states : When recorded, return to XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is still the holder of the note ( if this is indeed an original copy ) and they are no longer the current creditor of the loan as stated per your response.

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: GA

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern and dissatisfaction regarding the recent permanent limitation placed on my PayPal account ( XXXX ). I believe this action was taken in error, and I respectfully request a thorough re-evaluation of my case. 

First and foremost, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. I have not engaged in any activities that would warrant such a severe measure. The permanent limitation has not only disrupted my financial transactions but has also caused significant inconvenience. 

I kindly request that you initiate a comprehensive review of my account activity to identify any potential misunderstandings or mistakes that XXXX have led to this limitation. I am confident that such a review will reveal my compliance with PayPal 's terms and conditions. 

I understand that PayPal takes account security and policy adherence seriously, and I fully support these efforts. However, I believe that in my case, there has been a misunderstanding or error in judgment. I kindly ask for the opportunity to present any necessary documentation or information to support my case during this re-investigation process. 

Ultimately, my goal is to have my PayPal account fully restored, enabling me to resume normal use for legitimate transactions. I have been a loyal PayPal user for an extended period, and I value the services you provide. 

I kindly request your prompt attention to this matter and a fair and impartial review of my account status. I am confident that, upon closer examination, it will become evident that the permanent limitation on my account was unjustified. 

Thank you for your understanding and consideration. I eagerly await a positive resolution to this issue.

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: CA

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, which is associated with the email address XXXX. 

I firmly believe that this limitation was a result of a misunderstanding or mistake, as 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 severe action. 

Given the importance of my PayPal account in facilitating both personal and professional financial transactions, I kindly request that PayPal conducts a thorough re-investigation of my case. My primary objective is to have my account reinstated, allowing me to continue utilizing the services that PayPal offers. 

I am fully committed to cooperating with PayPal 's team during this re-investigation process. I am willing to provide any necessary documentation or information to help clarify any concerns and demonstrate my compliance with PayPal 's policies. 

I understand that PayPal 's commitment to maintaining a secure and trustworthy platform is paramount. However, I believe that a re-evaluation of my account 's situation will confirm that I am a responsible and law-abiding user. 

I kindly request your prompt attention to this matter. Restoring my PayPal account would greatly alleviate the inconvenience and disruption that this limitation has caused me. I eagerly await your response and hope for a swift resolution. 

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: LA

Complaint narrative:
I hope this message finds you well. I am writing to appeal the permanent limitation that has been placed on my PayPal account, which is registered under the email address XXXX. 

I strongly believe that this limitation is the result of a misunderstanding or mistake. To the best of my knowledge, I have not violated any PayPal policies or engaged in any activities that would warrant such a severe action. My account has always been in good standing, and I have been a loyal PayPal user for a significant period of time. 

I kindly request that you reconsider and re-investigate my case thoroughly. I am eager to provide any information or documentation necessary to support this appeal. I value my relationship with PayPal and the convenience it offers in my financial transactions, and I would greatly appreciate the opportunity to continue using your services. 

I understand the importance of maintaining the security and integrity of the PayPal platform, and I fully support your efforts in this regard. However, I firmly believe that my account limitation may have been the result of an error or misunderstanding. Therefore, I kindly request that you review my case and, if possible, reinstate my account. 

Thank you for your prompt attention to this matter. I am hopeful that we can resolve this issue amicably and restore my access to PayPal services.

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: CA

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern and frustration regarding the permanent limitation imposed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation has been placed in error and I have not violated any PayPal policies or engaged in any unauthorized activities. 

Firstly, I want to emphasize that I have been a loyal and responsible PayPal user for a considerable period of time. I have always conducted my transactions in accordance with PayPal 's terms and conditions, ensuring the security and integrity of the platform. Therefore, I am genuinely surprised and disheartened by the decision to permanently limit my account. 

I kindly request that PayPal re-investigate my case thoroughly, as I believe this action was taken without a clear understanding of my account activity. I am confident that upon careful review, it will become evident that there have been no policy violations or any actions that warrant the permanent limitation of my account. 

My PayPal account is not only essential for my personal financial management but also for various legitimate business and personal transactions. Its continued suspension is causing significant inconvenience and distress. Hence, I respectfully request that PayPal considers restoring my account, allowing me to resume normal activities. 

I am more than willing to provide any additional information or clarification that may be required during this re-investigation process. I am fully committed to abiding by PayPal 's policies and regulations and ensuring the security of all transactions conducted through my account. 

In conclusion, I kindly implore PayPal to reevaluate my case with an open mind and to promptly communicate the results of this review. Your assistance in resolving this matter would be greatly appreciated, as I look forward to a swift resolution that restores my access to 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 — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCOUNT CLOSED AND REMOVED BACK IN XXXX, showing that account is OPEN? I have no knowledge about this account, contacted company and disputed it

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCOUNT CLOSED AND REMOVED BACK IN XXXX, showing that account is OPEN? I have no knowledge about this account, contacted company and disputed it

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: 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, associated with the email address XXXX. 

Firstly, I would like to emphasize my belief that this limitation may have been imposed in error. I have always strived to abide by PayPal 's policies and guidelines diligently, ensuring that my account activities remain in compliance. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action.

In light of the above, I kindly request that PayPal conducts a thorough review of my case. I understand that errors can occur, and I am hopeful that upon re-examination, you will find that my account should not have been permanently limited.

I kindly ask for the opportunity to provide any additional information or documentation necessary to support this appeal. My goal is to resolve this issue amicably and regain access to my PayPal account.

I genuinely value the services provided by PayPal and have always considered it a reliable platform for my financial transactions. It is my hope that we can work together to rectify this situation promptly.

Thank you for your attention to this matter. I eagerly await your response and any instructions or steps required from my end to assist with the investigation.

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: AZ

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, which is associated with the email address XXXX. I believe this limitation was enacted in error, and I would like to formally appeal this decision. 

First and foremost, I would like to emphasize that I have always strived to abide by PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action, nor have I violated any of PayPal 's terms of service. My intent has always been to use PayPal as a secure and convenient platform for my online financial transactions. 

I kindly request that PayPal conduct a thorough re-evaluation of my case. It is my sincere hope that upon further investigation, any misunderstanding or erroneous information that may have led to this limitation can be rectified. I believe in the fairness of PayPal 's services and trust that a careful review will reveal that there has been no wrongdoing on my part. 

In light of the above, I respectfully appeal to PayPal to reconsider the limitation placed on my account and, if possible, to reinstate it. I understand the importance of security and compliance, and I am more than willing to provide any necessary documentation or information to facilitate this review process. 

I appreciate your attention to this matter and kindly request prompt communication regarding the progress of my appeal. Restoring access to my PayPal account would greatly assist me in managing my financial affairs efficiently and securely. 

Thank you for your time and consideration. I eagerly await a positive resolution to this issue.

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: 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, which is registered under the email address XXXX. 

I strongly believe that this limitation has been imposed in error, as I have always made every effort to adhere to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. 

I kindly request that you re-investigate my case thoroughly and, if possible, reconsider the permanent limitation placed on my account. I am committed to resolving any issues or concerns that may have led to this decision. My PayPal account is essential for various personal and financial transactions, and its continued accessibility is of utmost importance to me. 

I understand the need for PayPal to maintain a secure and trustworthy platform for all users. However, I firmly believe that there has been a misunderstanding or mistake in my case, and I am eager to cooperate fully to rectify any issues. 

I kindly request that you provide me with an opportunity to clarify any concerns or provide additional information that may assist in the review process. Please let me know the necessary steps or documentation required from my end to support this appeal. 

I appreciate your attention to this matter and look forward to a prompt response. Thank you for your understanding and consideration.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ACCOUNT CLOSED AND REMOVED BACK IN XXXX, showing that account is OPEN? I have no knowledge about this account, contacted company and disputed it

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: IA

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 has been imposed in error and would like to appeal this decision. 

First and foremost, I want to emphasize that I have always been a conscientious and compliant PayPal user. To the best of my knowledge, I have not violated any PayPal policies or engaged in any activities that would warrant such a severe action. The sudden and permanent limitation of my account has not only caused significant inconvenience but also raised concerns about the security and fairness of PayPal 's review process. 

I kindly request that PayPal re-investigates my case thoroughly, taking into consideration any possible errors or misunderstandings that may have led to this limitation. If there are specific concerns or issues that need to be addressed, I am more than willing to cooperate and provide any necessary information to resolve this matter promptly. 

My primary goal is to restore access to my PayPal account so that I can continue to use your services for my financial transactions. I have always valued the convenience and security that PayPal offers, and I believe that this situation can be resolved to the benefit of both parties. 

I understand that PayPal takes matters of account security and policy compliance seriously, and I share that commitment. I kindly request that you review my account once again and, if possible, consider reinstating it. I believe that a fair and careful review will demonstrate that I am a responsible and compliant user of PayPal services. 

Thank you for your attention to this matter. I look forward to a prompt response and resolution of this issue. Please do not hesitate to contact me at 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:
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 Experian 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 experian. I will also be including screenshots of one account as an example of how experian 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 ( one 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 20 positive accounts to my credit report besides these four. 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 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