vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing a complaint against PayPal regarding the sudden removal of all my funds from my account without any notification or explanation. I was using my PayPal account to accept donations for my game projects, and each incoming payment was labeled as a donation. I had been using PayPal for over two years without any issues. 

However, on XX/XX/2022, I received an email from PayPal stating that I could no longer do business with them and that my account was permanently banned. My balance was frozen for 180 days, and I was informed that I would be able to withdraw my funds after that period. Unfortunately, I never received any email after the 180 days, and on XX/XX/2022, I discovered that all of my funds had been removed from my account without any notification. 

I have tried to contact PayPal customer support multiple times to understand the reason behind the removal of my funds, but they have been unhelpful and only provided vague responses. Furthermore, I have never received any notification or warning about any policy violations or actions that would lead to the removal of my funds. 

I suspect that the reason for the sudden removal of my funds may be due to the fact that I registered my PayPal account in XXXX but logged in from XXXX. I am a XXXX citizen who was living in XXXX, and I registered my PayPal account using my Indonesian document, bank account, and mobile number. However, due to unforeseen circumstances, I was unable to return to XXXX and had to log in from XXXX. 

I believe that PayPal 's actions are unjustified, and I request that my funds be returned to my account immediately so that I can withdraw them. The total amount of funds removed from my account was {$5200.00}, which were all labeled as donations from individuals who supported my game projects. 

To summarize, my problem with PayPal includes the following : Sudden removal of all funds from my PayPal account without any notification or explanation Lack of communication or assistance from PayPal customer support Possible unjustified removal of funds due to logging in from a different country than the one where the account was registered Request for the immediate return of the funds to my account so that I can withdraw them Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo home mortgage modified my loan anccepted payment and anfter told me the modification was not approved and did not provide me with options best suit it to my situation.sent my loan to foreclosure and denied any offer to settlement

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XXXX posted an old charge off on my XXXX credit report with incorrect information. The account last activity date is listed as XX/XX/XXXX when it should be XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This information is incorrect and does not belong to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: RI

Complaint narrative:
These companies ran my credit without my knowledge 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: RI

Complaint narrative:
These companies ran my credit without my knowledge 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2020 Status of payments is incorrect. 
I closed this account and do not want it on my credit report anymore. The payment status is incorrect. It states that i did not pay on time for multiple months which is not accurate. It has since hurt my credit score. This being on my credit with incorrect information has made it very hard to get new loans when i have current on time payments for the past XXXX loans i have had for new cars. I have been trying very hard to work on my credit to build it. This has nothing but a negative impact on me. I have tried multiple times to dispute and have XXXX XXXX XXXX fix this as well as the credit agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2020 Status of payments is incorrect. 
I closed this account and do not want it on my credit report anymore. The payment status is incorrect. It states that i did not pay on time for multiple months which is not accurate. It has since hurt my credit score. This being on my credit with incorrect information has made it very hard to get new loans when i have current on time payments for the past XXXX loans i have had for new cars. I have been trying very hard to work on my credit to build it. This has nothing but a negative impact on me. I have tried multiple times to dispute and have XXXX XXXX XXXX fix this as well as the credit agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: AK

Complaint narrative:
I requested from TransUnion LLC, XXXX and XXXX to fully validate five ( 5 ) accounts on my credit report with my last letter dated XX/XX/2023. The only thing I have received is that the accounts are " verified '' without any statements or original contract supporting that the account and balances are in fact correct. 

The accounts are as follows : XXXX XXXX {$7500.00} XXXX XXXX  {$3700.00} XXXX XXXX {$3400.00} XXXX XXXX  {$12000.00} XXXX {$2500.00}

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There seems to have been an account opened for XXXX under my name. My identity has been compromised in the XXXX and XXXX security breach as well as others. 

I am not liable for this debt with XXXX and I do not have a contract with them. They have not provided me with the original application like I asked. This should be removed from my credit report account : XXXX. They have no reason to be reporting this on my credit report. Please have them delete this record from all credit agencies. I am a XXXX Combat Veteran of the war in XXXX. I am battling serious health issues and do not need this causing me further duress and injury. I need peace in my life. Please have them resolve this in a compassionate manner.

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There seems to have been an account opened for XXXX under my name. My identity has been compromised in the Equifax and XXXX security breach as well as others. 

I am not liable for this debt with XXXX and I do not have a contract with them. They have not provided me with the original application like I asked. This should be removed from my credit report account : XXXX. They have no reason to be reporting this on my credit report. Please have them delete this record from all credit agencies. I am a XXXX Combat Veteran of the war in XXXX. I am battling serious health issues and do not need this causing me further duress and injury. I need peace in my life. Please have them resolve this in a compassionate manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There seems to have been an account opened for XXXX under my name. My identity has been compromised in the XXXX and XXXX security breach as well as others. 

I am not liable for this debt with XXXX and I do not have a contract with them. They have not provided me with the original application like I asked. This should be removed from my credit report account : XXXX. They have no reason to be reporting this on my credit report. Please have them delete this record from all credit agencies. I am a XXXX Combat Veteran of the war in XXXX. I am battling serious health issues and do not need this causing me further duress and injury. I need peace in my life. Please have them resolve this in a compassionate manner.

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 2023-03-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has 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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2023-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Branch XXXX should be removed XXXX XXXX is Very unprofessional and posses very poor managements skills.This branch failed to follow the simple steps on how to open a business bank account. Causing me to miss out business and personal time/profits due to their incompetence. As if the mistake they made was not enough, the branch XXXX XXXX took it on him to Closed my account and claimed charged off erroneous. Failed to provided timely resolution to their mistakes and abusing of his branch managerial powers to close my account. 
No consumer should ever feel afraid and the pain of a managers poor abilities to take care of their clients personal information and complete a simple banking transaction. It would be great for the community to replace this team member XXXX XXXX from this branch with more knowledgeable and friendly staff.

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 2023-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: RI

Complaint narrative:
XX/XX/XXXX : I discovered a dip in my XXXX score, proceeded to pull my credit reports and found a fraudulent claim/identity theft. I filed an identity theft-related request online with XXXX XXXX XXXX 
XX/XX/XXXX : Results received from XXXX : declines identity block. 
XX/XX/XXXX : I received a statement via XXXX from XXXX. XXXX XXXX XXXX XXXX claiming that I owed a debt to XXXX Apartments in CA for the amount of {$5000.00}. 
XX/XX/XXXX : I sent a XXXX XXXX return receipt letter to XXXX. Data to dispute their fraudulent claim and attached the XXXX XXXX, RI Police Incident Report that I filed on XX/XX/XXXX. 
XX/XX/XXXX : I received correspondence from XXXX. Data requesting notarized paperwork to confirm my identity and proof of residence in RI. 
XX/XX/XXXX : I sent via XXXX certified return receipt mail with the requested documentation. 
XX/XX/XXXX : I receive a statement from XXXX. Data claiming that I continue to owe their client, XXXX Apartments in CA, in the amount of {$5600.00}. 
XX/XX/XXXX : I resent all the previously requested information via XXXX certified mail with return receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Rent recovery solutions account : XXXX has now posted collections to my account nearly 2 years after I lived at the XXXX XXXX XXXXXXXX and had to break the lease due to Government Official Business and Family Medical Emergency all of which was exempt form any further payment and the lease was broken without any charges. These folks are known to be bullies and scammers who press people for money they do not owe. They are literally in the top XXXX companies who get complaints in their industry. This is not a dept that I owe them, and they have no applications nor evidence that I owe them anything. They do not have my written permission from me stating that this is my debt and that they can report this. They need to stop this activity immediately. I am a XXXX combat veteran facing some serious health issues. Their actions are causing me and my family distress and hardship that we are not able to bear at this time. Please help. They know they are wrong and that's why they did not even contact me. I just found this trash on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
During the period where they had issues with being able to make payments I decided I wont do business with them. I had a remaining balance of {$54.00} I paid this and locked the card thinkin that would be the last time I would have to be bother with them. In XXXX I noticed a balance of {$6.00} thinking maybe I forgot to pay it I paid this. I cancelled the card in XXXX the current balance is now {$36.00}. I called to try and have these fees waived they offer XXXX which doesnt make sense given I made XXXX payments where I thought the balance was paid only to be charged fees 2 days later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Tjx synchrony bank credit card Company called XXXX XXXX. I was not available when they called For an account that doesnt exist. I made attempts to contact company but no way to get through to anyone, the number they asked me to call was AI only wanting me to pay the debt they say I owe. I was not going to pay for a bill from an account that paid in full and closed. This account was closed XXXX XX/XX/XXXX paid in full. I made other calls to numbers listed as customer service for TJX credit card, to no avail. All were AI machines wanting payment. No one to work with the issue to solve their mistake. Frustrated I looked up others that had these issues with Synchrony and saw Synchrony Bank was Sued XX/XX/XXXX class action settlement paid to customers {$2.00} XXXX dollars for this exact thing that they are doing to me. They are calling me about an account that doesnt exist. This is what they did to other people that won a XXXX XXXX dollar lawsuit Should I get a lawyer? 
My bank sent me an alert that my credit report was hit by synchrony bank. My score was and always has been XXXX up higher. It it now XXXX. This was XX/XX/XXXX and synchrony Bank made the complaint. 
I have all the paperwork about old account paid in full and closed in good standing. 
They fraudulently opened a new account and showed I owed money. This would have been in XX/XX/XXXX they opened an account I did not request and they closed my original account ..I didnt. I was shocked! My credit report needs to be restored to where it was, they are responsible to do it now. Of course they need to close the fraudulent account they reopened after my account closed. 
They started with I owed XXXX. In a few days they left message with XXXX Next few days it was XXXX. Is that legal? I doubt it. They are bullying customers. 
I also filed a complaint XXXX  XXXX. No response from Synchrony Bank!

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 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
My previous capital one with a now paid balance of {$1500.00} is still reflecting as late payments in my credit report. The is now over XXXX years old. I would like removed from all of my credit reports immediately. Any assistance Id greatly appreciated! Last time XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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