vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX I added a XXXX card to my PayPal wallet and sent money to a friend, as I have done many times previously. I am a secondary user/cardholder on said XXXX card . On XX/XX/XXXX several transactions were attempted on my XXXX card ( these were recurring monthly charges ) I had forgotten to change the primary card on my account so the XXXX card was still set as my primary payment method. There wasn't enough money on my XXXX account to cover the charge and because it was still linked to my PayPal, the recurring transaction then attempted to pull the funds from my PayPal account. This transaction was also declined because I had no funds in my PayPal account. XX/XX/XXXX I was sent an email from PayPal asked to provide documents to prove the cards I linked to my account belonged to me and to provide proof of identity. On XX/XX/XXXX I submitted the requested proof in the form of account/transaction summaries that included my name, address, card info etc that clearly showed the accounts i had linked to my PayPal were in fact, mine. PayPal responded on XX/XX/XXXX stating that my information was being reviewed. Then On XX/XX/XXXX I got an email from PayPal saying my account was permanently limited due to violation of their terms and " suspected '' ( PayPals wording, not mine '' ) risk. I dispute this, all cards linked to my PayPal account are in my name only and/or I am an authorized secondary account holder/cardholder/user. I provided proof of account ownership to PayPal as requested however they only allow 2 documents to be submitted in a response to their request. I included a note in my response that said I will send proof of account ownership of all the cards on my account if necessary. On XX/XX/XXXX I emailed the Executive Office at PayPal and explained my situation. I asked for the limitation to be removed and if that was not possible that the money that remained in the account be refunded to me via paper check and my account be closed. I received a response on XX/XX/XXXX that did not resolve my problem and offered no further explanation of their reasoning for my account limitation. On XX/XX/XXXX I emailed the executive office again and have yet to hear back. On XX/XX/XXXX I filed a complaint with the XXXX  that ultimately did not resolve the problem with PayPal. I have a balance of {$31.00} in my PayPal account, that I can't access because my account was limited without warrant - I did not violate any terms nor have I ever engaged in risky behavior while using PayPals services or any money services, for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: OH

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
XX/XX/XXXX To whom it may concern, I am currently enrolled in Public Service Loan Forgiveness program offered by the US dpt of Education. 

I have been working as a XXXX part time employee at XXXX XXXX since XX/XX/XXXX and also a XXXX part time employee at XXXX XXXX XXXX XXXX since XX/XX/XXXX in order to be qualified as a full time employee according to PSLF application up until the recent PSLF changes. Both my employers are non-profit organizations and I am still working at the same facilities.

The reason why I am writing to you is to file a complaint against MOHELA and to request help from your organization. My employment status for the month of XX/XX/XXXX is not being counted as an eligible payment for no valid reason. 

I have made numerous phone calls to MOHELA and spoken to many different representatives this year. I also have been sending them many emails along with documents showing proof of my employment, requesting correction. My first PSLF employment certificate for this year was sent on XX/XX/XXXX. Since then, I had to resend the PSLF employment certification forms on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as requested by MOHELA. 

Each time I contacted MOHELA about this issue of this year, they requested that I wait for XXXX, XXXX, and even XXXX days for them to re- process/review my employment certificates. This has been going on since XXXXXXXX XXXX XXXXXXXX, and it is now XX/XX/XXXX. So far, nothing has been corrected. 

I have been employed at the same hospitals since XXXX and XXXX. Nothing has changed with my employment status. Yet, MOHELA decided to not count my XX/XX/XXXX payment towards PSLF and has been ignoring my request to review.

I would like to formally file a complaint against MOHELA and am asking for your help to rectify this ongoing issue with MOHELA. Please do not hesitate to contact me if you have any questions regarding this issue. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
I'm not liable for the debt with XXXXXXXX XXXX XXXX I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account stolenand reported unauthorized transactions had occurred with account. As a result, XXXX XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX, I submitted a complaint before about my Zelle account is banned with no reason. 
I think you might misunderstand about what is happening and what I want.

Let me explain for you, I received an email that said I can not use Zelle anymore from XXXX XXXX XXXX  since I enrolled Zelle with them, and when I tried to contact customer service from both XXXX  XXXX XXXX and Zelle all they said is my information is banned, for no reason. They have no ideas why my account is banned. 
They told me to read the agreement and I after reading, I found that I didnt violate anything on the agreement. So the customer service who helped me said it might be a mistake. Yes I know this is a mistake. 
And the solution I would like you to help me is unban or unblock my account so I can use Zelle like normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I asked and sent letters to Experian about an account that was open under my name and they failed to remove the account and late payments being reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX capital one data breach class action settlement. I contacted capital one to find out if I was a class member because I was never notified. I was told I was I was notified by email on XX/XX/XXXX. I did not received email notifying me about the data breach class action settlement. I still have all my emails from XX/XX/XXXX. Capital one did not properly notify me that I was a class member, I did not have a fair opportunity to join the class action lawsuit. I have called capital one and they said thats theres nothing they can do to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: FL

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. 

Account Name : XXXXT Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  AS Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 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: AR Resources, Inc.
State: FL

Complaint narrative:
I have request multiple times Validation and any or all evidenace of these accounts affecting my fair credit rights, I have disputed These accounts that I have no knowledge about from 1 ) AR Resources Inc Shows in my credit Reports as Act Number XXXX 2 ) XXXX XXXX, XXXX XXXX XXXX Act Number XXXX 3 ) XXXX XXXX XXXX Act XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I have request multiple times Validation and any or all evidenace of these accounts affecting my fair credit rights, I have disputed These accounts that I have no knowledge about from XXXX XXXX XXXX  XXXX XXXX Shows in my credit Reports as Act Number XXXX XXXX ) XXXX  XXXX, XXXX XXXX XXXX XXXX Number XXXX XXXX ) Paramount Recovery System XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I have request multiple times Validation and any or all evidenace of these accounts affecting my fair credit rights, I have disputed These accounts that I have no knowledge about from XXXX XXXX XXXX XXXX XXXX Shows in my credit Reports as Act Number XXXX XXXX XXXX Lock Hart, Morris & Mont Act Number XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: U.S. BANCORP
State: FL

Complaint narrative:
I asked and sent letters to XXXX about an account that was open under my name and they failed to remove the account and late payments being reported

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 2023-10-15 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I asked and sent letters to XXXX about an account that was open under my name and they failed to remove the account and late payments being reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CO

Complaint narrative:
I inadvently sent my sister {$100.00} to an old cashapp account that she does not have access to ( email or phone ). I contacted cashapp immediately to let them know and I also sent screenshots of the incorrect transaction, as well as the correct transaction, and how the names were similar. They said that they were unwilling to refund the money, and that they had no more information to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: TN

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it emphasizes the need for consumer reporting agencies like TransUnion, XXXX and XXXX to handle their responsibilities fairly, impartially, and with respect for consumers ' privacy rights. As a consumer, I assert my right to ensure the protection of my private information, as outlined in 15 USC 6801, which underscores the obligation of financial institutions to respect customer privacy.

According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only furnish a consumer report based on the written instructions of the concerned consumer. I want to explicitly state that neither XXXX nor XXXX, nor the entity furnishing information to credit agencies, have my consent, whether verbal, non-verbal, written, implied, or otherwise, to share my information.

Referring to 15 USC 6802 ( b ) ( c ), I have not been informed by the furnisher of information about my right to exercise a nondisclosure option, which is a violation of my privacy rights. Additionally, the reporting of adverse information without my permission contradicts 15 USC 1681C ( a ) ( 5 ), as adverse items should not be reported without authorization.

Pointing to 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it explicitly states that information should not be furnished to a consumer reporting agency if there is knowledge or reasonable cause to believe it is inaccurate. TransUnion, XXXX and XXXX are failing to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e.

Furthermore, as per 12 CFR 1016.7, I am exercising my right to opt out of the reporting services at any time. This is in line with the broader legislative framework aimed at safeguarding consumer rights and privacy in financial transactions.

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 2023-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Regarding a Target store credit card : We had accidentally entered the wrong information for our bank account for the automatic bill pay function on our Target credit card. This caused two of our payments ( XXXX in XXXX, XXXX in XXXX ) to get returned. We corrected our bank information later in XXXX and paid off the card balance in full, but then after we paid the full balance, Target closed our credit card account without warning and will not reopen it. 
We spoke with a Target Redcard representative named XXXX on XX/XX/2023 between approximately XXXX - XXXX XXXX  ET regarding the issue. She told us Target can not reopen our card, and this will now unfairly affect our credit score due to lowering our total available credit and raising our utilization ratio. We also can not open another Target credit card without it negatively affecting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Identity Theft Victim. An unknown person used and obtained credentials on Paypal using linked credit Cards to bypass the system, create an account, and make purchases totaling {$3500.00}. My only account on PayPal is XXXX. Someone stole my info from PayPal and got access to my cards on their system. Terrible service to have your cards on. I would like my money refunded from the hacker 's account. I have already filed a police report and spoken to PayPal but their customer service team does not speak English and will not help me solve the issue. These transactions are unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In XXXX of XXXX, I spoke with Santander about a hardship to move a payment towards the end of my loan. I went through the process where I then signed documents stating as of XX/XX/XXXX that my next payment would not be until XX/XX/XXXX. The whole time Santander started reporting from XX/XX/XXXX that my account was past due and I had not paid, which was inaccurate. I contacted them at the beginning of XX/XX/XXXX because I had received a phone call stating I was past due when I knew I had just signed paperwork due to my hardship. I went back and forth almost daily with the company about their error in reporting and how I had legal documentation with them about my next payment not being until XX/XX/XXXX. It continued to drag out and ultimately the company told me they were unwilling to honor documents that were already signed and stated that my account was past due. They have been reporting that I am past due even though I have made the payments to catch up, despite the contract I had signed and then they completely quit reporting on my credit report as of may. And falsely reported late payments all the way up until XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: States Recovery Systems, Inc.
State: OH

Complaint narrative:
I'm not liable for the debt with states recovery systems I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account was opened without my authorization reported unauthorized transactions had occurred with account. As a result, XXXX XXXX XXXX XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.

Company response to consumer: Closed with explanation