vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 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: TX

Complaint narrative:
I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation is the result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a long-standing PayPal user, I have consistently upheld PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is paramount to me, and I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that such a review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I greatly appreciate your prompt attention to this matter and kindly ask that you initiate the review process as soon as possible. If there are specific documents or details needed from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit 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: Klarna AB

Complaint narrative:
I ordered from XXXX XXXX XXXX XXXX ( XXXX  XXXX  deal with this ) After months they contacted me and told me they can not fulfil fill order - so cancel it. 


The credit company I used KLANA have had the refund but not refunded me as promised. 

In the time it took waiting for my order I'd paid 2 of the 3 installments totalling XXXX I am still waiting for this to be refunded. 
I received an email to say they had sorted it but still after waiting no refund has arrived. 
Their customer service is poor Bizarrely there seems to be an XXXX charge still on. Although I received non of my order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: DC

Complaint narrative:
I wrote XXXX XXXX and XXXX on XX/XX/, asking for full media validation and account details and requesting a dispute of a debt. Neither firm replied. I sent a second request to them via Registered Mail USPS in XXXX. 

Instead, the companies placed a derogatory item on my account, falsely asserting that I owed them. 

I included pictures of the returned telecommunication equipment, the XXXX document that verified shipment, the email acknowledging receipt, and other details. The alleged debt contains not details, itemization of charges, or a reply withing 30 days as required by the ECOA and FDCPA.

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 2023-11-24 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: DC

Complaint narrative:
I wrote XXXX XXXX and XXXX on XX/XX/, asking for full media validation and account details and requesting a dispute of a debt. Neither firm replied. I sent a second request to them via Registered Mail USPS in XXXX. 

Instead, the companies placed a derogatory item on my account, falsely asserting that I owed them. 

I included pictures of the returned telecommunication equipment, the XXXX document that verified shipment, the email acknowledging receipt, and other details. The alleged debt contains not details, itemization of charges, or a reply withing 30 days as required by the ECOA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Submitted complaint to USAA ( See Atch 'd letter ). 

Initial conversation with USAA Rep ( XXXX ) explained XXXX % until promo period expires. No addntl interest on outstanding balance Subsequent conversation w/USAA Rep ( XXXX ) explained zero % interest is only applicable IF you do not use your card. If you use your card - interest applies to all. 

Follow-up conversation which resulted fm my letter with USAA Rep ( XXXX ( sp? ) ) explained that XXXX % interest works like this ( 1 ) transfer done, fee applied. ( 2 ) If u use card, and say, charge {$300.00} the day following transfer, the monthly statement will reflect {$6000.00} transfer, {$180.00} fee {$300.00} current purchases PLUS INTEREST AT 21 % EFFECTIVE DATE OF PURCHASE OF NEW GOODS. 

Then, lets say you make payment of {$300.00} ( + ) to cover cost of new purchases plus interest, the min payment due ( for sake of this example we'll say it's {$50.00} ) is what is posted against your new purchase balance with the remainder ( {$250.00} ) posted against the XXXX % loan. This allows USAA to charge continuous 21 % interest on the {$250.00} outstanding balance PLUS whatever new charges are incurred. What a racket!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I'm very aware Transunion, XXXX, and XXXX, are Committing fraud against me, fraud is anything that deals with my social security number when I didn't receive any benefit from it, consumer law states that if a company take more Then 30 days to handle a complaint it must be removed form credit report. 15 U.S Code 1681A2AI I'm also a victim of identity theft so in fact these reporting agency of violating the Fair Credit Reporting Act by reporting these fradulelet account that was open in my name XXXX  ACCOUNT # XXXX Date Opened : XX/XX/XXXX  Balance : {$8000.00} XXXX ACCOUNT # XXXX Date Opened : XX/XX/2022 Balance : {$2100.00} XXXX XXXX {$2000.00} {$1300.00} XX/XX/XXXX  {$1300.00} XXXX XXXX XXXX {$380.00} {$1000.00} XXXX  XXXX {$1100.00} {$380.00} XXXX XXXX XXXX XXXX {$4300.00} THESE ACCOUNTS NEED BE REMOVED NOT UPDATED AFTER YOUR FRAUDLETE INVESTIGATIONS, Securities Fraud is being taken place I will pursue suing if these account are not removed.

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 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Sunday XX/XX/XXXX my cell phone along other belongings were stolen in XXXX, XXXX. I was not able to have access to a cell phone to report the situation to bank accounts and credit cards up until Thursday XXXX after my arrival back to XXXX XXXX. 
So, I reported debit cards and credit cards stolen to Chase Bank, but also requested to remove the two step verification linked to the phone number since I would not have access to it until I get a new phone and be able to revise transactions through the Bank 's website portal or at least to provide an alternate verification process. I had to call the bank, I made a mistake while trying to request a log in code access when accessing my debit card PIN number. Called back again, and the bank was closed already. So on top of the frustration of have been stolen everything I have to deal with sensibleness costumer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: SC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I'm very aware XXXX, Equifax, and XXXX, are Committing fraud against me, fraud is anything that deals with my social security number when I didn't receive any benefit from it, consumer law states that if a company take more Then 30 days to handle a complaint it must be removed form credit report. 15 U.S Code 1681A2AI I'm also a victim of identity theft so in fact these reporting agency of violating the Fair Credit Reporting Act by reporting these fradulelet account that was open in my name XXXX  ACCOUNT # XXXX Date Opened : XX/XX/XXXX  Balance : {$8000.00} XXXX ACCOUNT # XXXX  Date Opened : XX/XX/XXXX  Balance : {$2100.00} XXXX XXXX {$2000.00} {$1300.00} XX/XX/2022 {$1300.00} XXXX XXXX XXXX {$380.00} {$1000.00} XXXX  XXXX {$1100.00} {$380.00} XXXX XXXX XXXX XXXX {$4300.00} THESE ACCOUNTS NEED BE REMOVED NOT UPDATED AFTER YOUR FRAUDLETE INVESTIGATIONS, Securities Fraud is being taken place I will pursue suing if these account are not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I'm very aware XXXX, XXXX, and Experian, are Committing fraud against me, fraud is anything that deals with my social security number when I didn't receive any benefit from it, consumer law states that if a company take more Then 30 days to handle a complaint it must be removed form credit report. 15 U.S Code 1681A2AI I'm also a victim of identity theft so in fact these reporting agency of violating the Fair Credit Reporting Act by reporting these fradulelet account that was open in my name XXXX  ACCOUNT # XXXX Date Opened : XX/XX/XXXX  Balance : {$8000.00} XXXX ACCOUNT # XXXX Date Opened : XX/XX/XXXX  Balance : {$2100.00} XXXX XXXX {$2000.00} {$1300.00} XX/XX/XXXX  {$1300.00} XXXX XXXX XXXX {$380.00} {$1000.00} XXXX  XXXX {$1100.00} {$380.00} XXXX XXXX XXXX XXXX {$4300.00} THESE ACCOUNTS NEED BE REMOVED NOT UPDATED AFTER YOUR FRAUDLETE INVESTIGATIONS, Securities Fraud is being taken place I will pursue suing if these account are not removed.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From XXXX of XXXX  I never received my card i never accessed the prepaid card it or any of the benefits deposited to the account. I didn't activate or give permission for anypersons to activate or to authorize to use this prepaid card ever all transactions made with the card concerning this account is FRAUDULENT AND NOT MADE BY ME OR AUTHORIZED BY ME AT ANYTIME

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 2023-11-24 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: PA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I have made five payments to Aidvantage and they reversed every single payment. I called customer service and it takes forever to get an agent. When you finally do, they are incompetent to handle the situation I need help resolving this issue. Aidvantage is reversing payments for no reason. I am trying to pay back my student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit 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: Sezzle Inc.
State: AR

Complaint narrative:
Sezzle charge payment to Preply in 4 for {$120.00} starting XX/XX/2023. 
Next payment to Preply on XXXX XXXX for {$120.00} Third payment to Preply on XXXX XXXX of XXXX Fourth payment is scheduled on XX/XX/2023. Charges I did not make!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I am a victim of identity theft. Someone has been hacking my accounts since the beginning of the year and I have called capital one to make several complaints. I have opened several claims with them but whenever they deny a claim, they never give me any type of investigation process or proof. I think it's completely unfair that they can just deny claims when I am literally telling them that I did not authorize these transactions. Can you please have them reinvestigate these claims and give me my money back. 
# XXXX # XXXX # XXXX I did not authorize these transactions and I have told them multiple times. Because of Capital One 's irresponsibility, I faced an eviction and lost my home. 
Please have them rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: MO

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you in good health. I am writing to appeal the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. I strongly believe that this limitation has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

I have been a loyal PayPal user for an extended period and have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of great importance to me, and I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. The reinstatement of my PayPal account would not only alleviate the current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I enrolled in an online employment site called " XXXX XXXX '' phone # XXXXXXXX  about two years ago. I used my Best buy credit card to make the purchase. XXXX. 

After about two months and unable to get employment with " XXXX XXXX  '', I attempted to disenroll from the service and stop the use of my credit card. 

I contacted both " XXXX  XXXX '' and " Best buy ''. Both promised to cancel my enrollment and Best buy promised a refund. 

I would like Best buy and XXXX XXXX to cancel my enrollment and refund any funds due 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 monetary relief
Consumer complaint received 2023-11-24 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was looking over my report because my score went from XXXX to XXXX as i looked deeper it appears some hard inquiries that i did not authorize I have a two hard inquiries that i did not apply for or authorize AMEX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: TX

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation