vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal sent the following email : XX/XX/2023 " PayPal You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We XXXX Take. You must remove all references to PayPal from your website ( XXXX ) and/or auction ( XXXX ), including removing PayPal as XXXX payment option, the PayPal logo XXXX and the PayPal shopping cart. 

If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds XXXX be used to satisfy any obligations you XXXX have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. 

If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. 

Customers who are permanently limited for violating the XXXX XXXX XXXX are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. 

You can find the complete the PayPal XXXX XXXX XXXX by clicking XXXX at the bottom of any PayPal page. 

We regret any inconvenience this XXXX cause. '' I thought this this was a Phishing Scam and changed my login with PayPal XXXX I was hacked. 

Going to the official PayPal website I found I was " permanently limited '' for violating a PayPal terms of agreement. I called PayPal on XX/XX/2023 and asked for more information about the specific violation. Customer service was not able to locate any specific reason and did not see any obvious reason for the " permanently limited '' account. 

I would like assistance in finding out what rule was broken. I only use PayPal for managing my recurring payments for subscriptions ( all automated ). There is no other financial transactions that would be suspicious for potential fraud or illegal activity. I can't for the life of me see what rule was violated. And I expect better documentation that what PayPal is providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: GA

Complaint narrative:
These negative accounts and unauthorized inquiries are inaccurate and wrong. 

REMOVE ALL THE LATE PAYMENTS REMARKS FOR OPEN ACCOUNTS AND DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 

XXXX XXXX XXXX - {$0.00} - XXXX XXXX XXXX XXXX XXXX - OPEN - XXXX XXXXXXXX XXXX XXXX XXXX OPEN - all XXXX XXXX XXXXXXXX - OPEN - all XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 TransUnion I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These negative accounts and unauthorized inquiries are inaccurate and wrong. 

REMOVE ALL THE LATE PAYMENTS REMARKS FOR OPEN ACCOUNTS AND DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 

XXXX XXXX XXXX - {$0.00} - XXXX XXXX XXXX XXXX XXXX - OPEN - XXXX XXXX  XXXX XXXX XXXX OPEN - all XXXX XXXX XXXXXXXX - OPEN - all XXXX XXXX XX/XX/2022 Equifax XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX IXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
A week before XXXX XXXX XXXX XXXX i went to the Regions Bank in XXXX XXXX XXXX, Fl. I proceeded to deposit money into the ATM and a security guard saw the whole thing happen. The ATM gives me an error and i go inside the branch to get help. They provide me with a phone number and case number to call and speak to customer service. Weeks and months go by of me calling and no representative being able to help me. I call the branch and no one is able to help me. They just tell me to wait. I should be able to trust my banks atm, not fear it swallowing my money into an empty pit for me to never receive again.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Someone tried to cash a fake check into my account and without to take actions or look into the situation my account was closed without noticed. Making me look and feel guilty

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In the last 2 years I've been charged over {$3000.00} in overdraft fees. I requested in writing a refund on those funds & was only returned {$340.00} back. I've been with Wells Fargo for over 20 years.

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 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Brought a used truck {$35000.00} and then was paying on it it was more then 50 % paid off then repossessed and sold it and still charging me for it. Now its on my credit for delinquent payments

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
When I make a purchase with my Wells Fargo debit card sometimes they don't take it out right away. Until weeks later and that confuses me. 
I have been charged over draft fees when I know I had money in my account. 
I get fees even though I use my debit card more then 10 times

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 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
Throughout the time frame of XX/XX/XXXX to XX/XX/XXXX your company has repeatedly contacted me, claiming that I owe a debt under XXXX account number XXXX. I do not believe that I owe this debt, after reviewing my credit reports. I would like to inform you that AFNI INC has violated 15 U.S.C. 1692j.

AFNI INC furnished a deceptive form to create a false belief in me as a consumer by reporting information that resulted in defamation of my character, creating a false impression that I was unable to pay the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC
State: KY

Complaint narrative:
Got a loan to buy a solar electric system with Sunlight Financial. Terms of the loan when E-signed were for $ XXXX. I set auto pay for {$200.00}. 
The expected payment ( changed by Sunlight of whatever entity they sold the loan to ) is suddenly $ XXXX, but the auto withdrawal continues to be {$200.00} as arranged by me in the beginning of the loan. I had no idea of this rate change and continued to have {$200.00} taken out of my account for almost three years. 
I can never pay this off at their new undisclosed rate! 

I'm a XXXX XXXX XXXX Veteran and am locked into a monthly income. I got the system based on my ability to pay {$200.00}. 

XXXX XXXX sold me a lemon system that didn't even work for over two years. 
Now they've gone into bankruptcy and I'm hooked into this fraudulent ever increasing loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
In XXXX there was a collection put on my report by Radius Global Solutions for {$1100.00}. I never received anything in the mail stating that they received this debt in their office and I have the right to question validity. I sent a letter in XXXX requesting validity and I have yet to get a response. My letter was mailed out on XX/XX/XXXX. Upon further investigation, it stated on my credit report that the first day of delinquency was XX/XX/XXXX. Meaning this was an attempt to get payment before the 7 year rule applied. These unlawful tactics has cost me so many points on my credit and I want thus item removed for not notifying me the correct way. This company did a soft pull on my credit back in XX/XX/XXXX, therefore they had my correct address to send me a letter notifying me of this debt. They failed to acknowledge my rights according to the FDCPA laws. They have past due balances and original amounts due but I have no business with them. Therefore those items should not be reporting.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Ive called many times asking why theres an online account when Ive never opened an account with Wells Fargo online and the money deposited was used without any authorization

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 2023-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX  XXXX XXXX  violated my rights. 
15 U.S.C 1681 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo in 2016 charged me so many bounce check fees and gave my money to outside sources causing me to fall behind and mess up my credit score.

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 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had trouble paying mortgage and I put it in a freeze came put of freeze payed wells fargo XXXX XXXX ti keep hone they said they need XXXX XXXX more I came up with XXXX XXXX and I was forced to short sale

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I would see transactions that were not made by me and charged on my card. Then ATM charge error codes when I used my card.

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  service violated my rights. 


15 U.S.C 1681 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: Happy Money, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -Acct # XXXX NOTICE OF DISPUTE To : Happy Money Inc XXXX XXXX XXXX XXXX XXXX XXXX a consumer, am notified Happy Money that I disputed this alleged debt pursuant to 15 USC 1692g. I REQUESTED THEY PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE THE COMPANY SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, they are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I inform them that they dont have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to them having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to them reporting information in my name to the consumer reporting agencies. 

They are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. 

Im requesting that they provide me the Aggravated Value Of Purchase showing how much was paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR THEM TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT WAS PAID FOR THE DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 

IVE SENT A WARNING! THEY HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF THEY DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST THE COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I deposited over {$1400.00} that cleared my account however Wells Fargo kept the money and closed my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 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 2023-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a consumer by law, This has NOT been submitted in error.

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681. 

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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 TRANSUNION XXXX XXXX TRANSUNION 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 TRANSUNION 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 XXXXXXXX the above Have violated my rights .

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

15 U.S.C Sec 604 A Sec 2 : States A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX of 2008 at around XXXX i tried to withdraw {$400.00} from my Wells Fargo account at a Wells Fargo ATM located at XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX California XXXX. The ATM did not give me the money and the {$400.00} we're still debited from my account. I would have spoken to a banker at the moment but the bank was closed, so I went in the next business day only to be mistreated and called a " scammer '' and a " thief '' by the bank manager who didn't even give me a chance to talk to her about what had happened, a banker told her what I was there for. She told security to escort me out of the branch. On my own I figured I should call Wells Fargo customer support, I did but they needed a receipt of the transaction... and so it never got resolved.

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