vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 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: OR

Complaint narrative:
To Whom It May Concern, I hope this message finds you well. I am writing to address the recent permanent limitation placed on my PayPal account ( XXXX ). I believe that there has been a misunderstanding or error in this matter, and I am kindly requesting a re-evaluation of my case. 

Firstly, I wish to express my utmost respect for PayPal 's policies and guidelines. As a diligent user, I have made it a priority to adhere to these regulations since the inception of my account. I am confident that I have not engaged in any activities that would violate PayPal 's terms of service. 

Given this, I am left perplexed by the limitation that has been imposed on my account. It is my sincere belief that this action is a result of some oversight or technical glitch. I am certain that no actions from my end could have warranted such a response. 

I kindly implore PayPal 's team to take a closer look into the specifics of my account activity. A thorough review will reveal that there have been no breaches from my end. I value my relationship with PayPal and the convenience it brings to my online transactions. Losing access to my account has caused me significant inconvenience and distress. 

In light of the aforementioned points, I humbly request PayPal to initiate a re-investigation of my account. If any errors are found, I kindly request the removal of the account limitation. The ability to use PayPal is pivotal for my online transactions, and I am hopeful that this matter can be resolved promptly. 

I am grateful for your attention to this appeal and the swift resolution of this matter. Please do not hesitate to contact me at XXXX for any additional information that may be required. I eagerly await a positive response and the reinstatement of my PayPal account. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 I closed on a cashout refinance on my personal residence. The wire transfer of {$290000.00} was wired into my account at Truist Bank on XX/XX/2023. On Friday XX/XX/XXXX I got a call from Truist that my bank account was frozen due to wire fraud. I talked with the branch leader, XXXX XXXX and she said the account was frozen due to fraud investigation regarding the funds from the cash out refinancing. She then said it was out of her hands and that if I had any documentation to bringit in. Monday XX/XX/XXXX I dropped off XXXX pages of closing docs and mortgage loan statement and also emailed the wire information from the title company. I also found out that Truist called the title company on XXXX  XX/XX/XXXX to get their documentation. However in the meantime my account is frozen, I haven't heard from anyone about the investigation and I am coming up on month end billd and mortgage with no funds to work with. I also have XXXX letters saying checks returned for NSF and also have creditors calling me for payment. 
I'm the innocent person in all this and I should have some sort of protection in all this. Why if they are investigating the wired funds are they penalizing me. This is not right!!!

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 2023-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Recently I verified my credit report an I found a revolving account that Idid not recognize as mine. This company is SYNCB/JC PENNEY . I called the Customer service to claim that credit card but the customer representative told me that the information and the data record did not match and that she did not provide me more information. I request a credit dispute in the credit agencies but the result appear as accurate. I made a police complaint in my country for fraud and theft identity. I do not live in any of the states in the United States.In addition my credit report has other credit inquiries that I never request. So please I need help to resolve

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 2023-08-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
In XXXX XXXX XXXX, XXXX XXXX XXXX reported a balance of {$440.00} to all three credit bureaus. I paid {$100.00} in XXXX, which brought the balance down to {$340.00}. PDM has not reported to the credit bureaus for three months. On XX/XX/2023, I filed a dispute with XXXX stating that they were reporting the wrong balance for my account. XXXX finished this dispute, and they stated that PDM has verified that my balance is still {$440.00}, and no payments were made. Because I provided XXXX proof of payment, they opened another dispute. PDM intentionally reported false information. I reached out to PDM and spoke with XXXX XXXX who was nasty and started a fight because he knew he was wrong and could not give a valid reason as to why they reported false information when they knew I had made a payment. I recently made a {$200.00} payment, so my balance is now {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This company updated my account i had with them in the past to late, this account is paid and closed, i was honored a goodwill in XXXX For XXXX, XXXX, XXXX and XXXX, same exact thing the representative told me. so why was my account updated to late for these months, my account was paid out in XXXX now they are reporting late payment for XXXX, XXXX, And XXXX of XXXX this is not accurate and needs to be fixed asap, giving out inaccurate information is against the law and this company can be fined for reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
It seems that this company violated my rights under 15 USC Code 1661 by releasing my information without written consent, affecting my credit report. This is a breach of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
It seems that this company violated my rights under 15 USC Code 1661 by releasing my information without written consent, affecting my credit report. This is a breach of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I am a victim of identify theft since XX/XX/XXXX and a police report was filed for the first incident in XXXX of XXXX. I have had several credit card accounts compromised, several new accounts open in my name, numerous inquiries into my credit from companies, new addresses and phone numbers that are not mine added to my credit report, etc. I have contacted all credit bureaus and have put a freeze on my credit. I have disputed all inaccurate information to the credit bureaus and have contacted the companies to dispute the unauthorized charges, newly opened credit lines, and incorrect information. I have been successful with all thus far with the exception of XXXX and Apple Card. An Apple Card was opened on XX/XX/XXXX. I printed my credit reports in XX/XX/XXXX and realized this card had been opened without my knowledge. I called Apple Card and reported this as fraudulent, informed them of my issues with identity theft, reported that the address and phone number they had on file was not mine, that I have never lived at that address, and that I have no knowledge of that address with the exception that the address was used to open and/or attempt to open multiple other fraudulent credit cards and loans. Apple Card informed me that they would look into the issue and they closed the account. I also reported this dispute with XXXX. I received notice at the beginning of XX/XX/XXXX that XXXX had founded in Apple Card 's favor and the information was verified. I then went to my local police department and filed an incident report with regard to the fraud. Apple Card and XXXX have yet to delete this information from my credit report. Whatever investigation Apple Card did, they never contacted me for additional information to verify my identity, address, or phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have made phone contact and have sent letters twice regarding two disputed charges made by the same merchant but my credit card company has refused to offer a reply and they have simply ignored my communication

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 2023-08-25 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: VA

Complaint narrative:
I am writing to express my deep concern regarding your practices in validating debts that are not associated with my credit report. It has come to my attention that several collections accounts have been added to my credit report without proper validation, despite my repeated attempts to rectify this issue. 

I have made numerous requests to have these debts reviewed and validated, providing supporting documentation that clearly demonstrates that these accounts are not mine. However, I have consistently faced refusal from your organization to conduct a thorough investigation into these discrepancies. 

Furthermore, I am deeply troubled by the fact that the same unverified information continues to be included in my credit report, negatively impacting my creditworthiness and reputation. This not only violates my rights as a consumer but also undermines the integrity of the credit reporting system. 

I demand that you immediately cease reporting these unverified debts on my credit report and take immediate action to rectify this situation. It is crucial that you conduct a comprehensive review of the information provided and remove any inaccuracies without delay. 

I also insist that you provide me with a detailed explanation of the steps you will be taking to address this issue and prevent similar incidents from occurring in the future. Additionally, I request a written confirmation of the actions taken to correct my credit report. 

Please be aware that I am prepared to pursue all available legal remedies, including filing a complaint with the appropriate regulatory authorities if necessary, to ensure that my rights as a consumer are protected and that my credit report reflects accurate and verified information. 

I expect a prompt response to this complaint, including a timeline for resolving this matter satisfactorily. Failure to address this issue adequately will leave me with no choice but to escalate my concerns further. 

Thank you for your immediate attention to this matter.

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 2023-08-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to express my deep concern regarding your practices in validating debts that are not associated with my credit report. It has come to my attention that several collections accounts have been added to my credit report without proper validation, despite my repeated attempts to rectify this issue. 

I have made numerous requests to have these debts reviewed and validated, providing supporting documentation that clearly demonstrates that these accounts are not mine. However, I have consistently faced refusal from your organization to conduct a thorough investigation into these discrepancies. 

Furthermore, I am deeply troubled by the fact that the same unverified information continues to be included in my credit report, negatively impacting my creditworthiness and reputation. This not only violates my rights as a consumer but also undermines the integrity of the credit reporting system. 

I demand that you immediately cease reporting these unverified debts on my credit report and take immediate action to rectify this situation. It is crucial that you conduct a comprehensive review of the information provided and remove any inaccuracies without delay. 

I also insist that you provide me with a detailed explanation of the steps you will be taking to address this issue and prevent similar incidents from occurring in the future. Additionally, I request a written confirmation of the actions taken to correct my credit report. 

Please be aware that I am prepared to pursue all available legal remedies, including filing a complaint with the appropriate regulatory authorities if necessary, to ensure that my rights as a consumer are protected and that my credit report reflects accurate and verified information. 

I expect a prompt response to this complaint, including a timeline for resolving this matter satisfactorily. Failure to address this issue adequately will leave me with no choice but to escalate my concerns further. 

Thank you for your immediate attention to this matter.

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 2023-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: GA

Complaint narrative:
US Auto sales went out of business back in XXXX of this year XXXX an now a debt collector called westlake portfolio management are calling me telling me that Im behind on my payments an that if I dont pay they are going to reposes my car..Ive paid over {$3000.00} for my car an Ive had my car for a year an Ive never been late on my payments I got my car XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I was wrongly accused of owing {$350.00} in unpaid rent. I submitted my dispute letter to the debt collector, and while they ceased reporting me after I raised my dispute, they continue to contact me through email. It is expected that they would provide an update on the outcome of my dispute.

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
on XXXX I applied for an extension of credit and immediately got denied on my extension of my credit for the XXXX XXXX XXXX by WELLS FARGO. WELLS FARGO is in Federal Violation under ECOA REGULATION B discouraging me from further applying for extensions of my credit.and has discriminated against me the consumer by denying me my GRANTED RIGHT to credit as described in 15 USC 1602. I have exercised my Granted Right to credit using my credit card as defined under 15 USC 1602 and have been denied via Adverse Action. The Equal Credit Opportunity Act prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or ( good faith exercise of any rights under the Consumer Credit Protection Act ). WELLS FARGO is also under Federal Violation under TRUTH IN LENDING 15 USC 1691a ( e ) ( f ) which states " ( a ) Activities constituting discrimination -- -- -- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- -- - ( 3 ) because the applicant has in good faith exercised any right under this chapter. -- -- -- -- -- -- My credit card was used and in exchange I did not receive any benefit from the consumer credit transaction

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
We were in the process of doing a short sale. Shellpoint placed an auction during the process. The property was demolished from the town and this was conveyed to the servicer. My realtor received an email that the investor was willing to do an exception and was approved at the purchase price {$75000.00} which is the land value and that was through email on XX/XX/2023. All parties were informed and the buyer ordered titled and everything so we can close as soon as the approval letter was provided. On XX/XX/2023 another email was received stating that investor denied the approval for failing to meet the required minimum proceeds. They provided the the comp on properties that were commercial property, larger acres and subdivided properties on a XXXX lot of land. We then submitted a value dispute that was never submitted or reviewed by Shellpoint. We tried everything to get this closed prior to the demolition as i don't need that extra cost on me as i can not afford to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
CAPITAL ONE has entered into a consumer credit transaction with via using my social credit card defined under 15 USC 1602 to extend me my on credit on multiple accounts. In the year of 2022 CAPITAL ONE has committed ADVERSE ACTION and has discriminated against me and my RIGHT TO CREDIT as defined under 15 USC 1691 by shutting down my accounts and denying me a Granted Right which is access to extend credit. CAPITAL ONE has been in violation of the ECOA and Tittle 18 USC 242 for denying me a federally protected right to extend credit and have access to credit. CAPITAL ONE once aft er taking ADVERSE ACTION discriminating against me has reported false statements on my consumer report hurting my reputation and hurting my credit worthiness further negatively impacting my right to extend credit in the banking system. CAPITAL ONE is reporting an alleged debt that arose out of a consumer credit transaction via a FINANCE CHARGE and is falsely reporting charged off accounts as Income on my reputation as defined under IRS Guidelines. TENDER of payments were attempted to be made on the accounts to satisfy the alleged debt In Good Faith but was REFUSED by CAPITAL ONE. Such Refusal of legal tender has now discharged the debt under UCC 3 -603 and has placed CAPITAL ONE under a violation of the Federal Reserve Act Sec 29. CAPITAL ONE has been given the opportunity to perform and provide VALIDATION of the alleged debts by providing key information that which if provided payment in FRN would be made. CAPITAL ONE has failed to provide Lawful validation of any Lawful debt and despite lawful payment attempts being made and continues to furnish false statements on my reputation harming my character and right to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: WI

Complaint narrative:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.

Company response to consumer: Closed with explanation