vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Park Hill Holdings
State: TX

Complaint narrative:
I am a rental applicant that was denied based on my SafeRent information, SafeRent is fairly new and I reached out to them to figure out what information was used to compile their score and received the run around. I still have not received a copy of this SafeRent report and they say it will be sent to you within 5 days of requesting. I Am also able to dispute over the phone so I asked the agent to tell what information they are showing because I have never had any issues with any other tenant screening places other than this one and they give me the run around we cant provide this information over the phone, however they can provide me a copy if I say my social and send a copy of my driver license which is a bit excessive if youre reporting information about me that was giving to a rental company you should be able to access those records for me as the consumer having went through identity theft before and the information they are providing is not even reflecting on my actual big 3 credit bureaus so they need to review and correct their information and stop reporting false information.

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 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX, I received four emails notifying me that my American Express cards were being canceled. No explanation was provided in the email. I had to call AMEX for an explanation letter. I received a letter dated XX/XX/XXXX, suggesting that my accounts were closed due to abuse of billing errors. I never abused the billing error process. When I contacted AMEX regarding billing errors via phone or chat online, I had the assistance of representatives aiding me with filing a dispute for the vendor to pay. My account was credited at times when I only wanted the vendor to credit the account through an investigation. AMEX can review the online chats and telephone conversations. 

On XX/XX/XXXX, I received a letter apologizing to me for failing to dispute a charge. The charge was credited to my account along with interest and other credit adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: KY

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe there has been a misunderstanding or mistake in this matter, and I kindly request a thorough re-evaluation of my case. 

Firstly, I want to emphasize that I have always strived to comply with all of PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a limitation. I value my PayPal account for its convenience and security and would never jeopardize its status. 

I understand that PayPal takes its policies seriously, and I respect that commitment. However, I firmly believe that this limitation may have been imposed in error. I would greatly appreciate it if you could re-examine my account 's activity and reconsider this decision. My intention is to continue using PayPal responsibly, in full compliance with your terms of service. 

In light of the above, I kindly request that you initiate a thorough review of my account. If, upon review, you find that there has indeed been a mistake, I respectfully ask that you reinstate my PayPal account. Regaining access to my account would greatly assist me in managing my finances securely and efficiently. 

I am truly invested in resolving this matter amicably and hope that PayPal can provide the opportunity for me to clarify any concerns or issues that may have led to this limitation. I am ready to cooperate fully and provide any necessary information to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response and the possibility of having my PayPal account reinstated. Your assistance in resolving this situation would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: WA

Complaint narrative:
I paid off my XXXX card. They are still not reporting it as paid off in full and closed, despite disputing it with the credit bureaus. They responded back to Experian that there was still a balance when there is not.

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 2023-10-29 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: IL

Complaint narrative:
I hope this message finds you well. I am writing to respectfully appeal the permanent limitation that has been placed on my PayPal account, associated with the email address XXXX. 

I strongly believe that this limitation is the result of a misunderstanding or error, as I am confident that I have not violated any PayPal policies. I have been a loyal PayPal user and I have always strived to use the platform in full compliance with your terms and conditions. 

I kindly request that PayPal re-investigates my case thoroughly and impartially, with the hope of restoring my account to full functionality if no policy violations are found. I value the convenience and security that PayPal offers, and I rely on it for various financial transactions. 

If there have been any concerns or issues related to my account, I am more than willing to cooperate fully and provide any necessary information to expedite this process. I am committed to resolving any misunderstandings or issues promptly to ensure the trust and integrity of my PayPal account. 

I sincerely appreciate your attention to this matter and kindly request a swift response. I am eager to continue using PayPal as a trusted financial platform, and I believe that a re-evaluation of my case will demonstrate my commitment to upholding your policies. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I requested Specialized Loan Servicing to send me documentation validating the debt I allegedly owe to them. SLS sent me a correspondence that stated : SLS is a third-party mortgage loan servicing and is not the owner/investor of the loan. The original creditor of the loan is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The current creditor of the loan is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CREDITOR. A person to whom a debt is owing by another person who is the " debtor. '' XXXXXXXX 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  As per XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX ) the corporation states : We do not originate loans or lend money directly to borrowers. If Fannie Mae does not originate loans or lend money directly to borrowers per XXXX XXXX XXXX, please explain how I owe a debt to them. Secondly, can you explain why the original copy of the security deed you sent me states : When recorded, return to XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please explain why XXXX XXXX is still the holder of the note ( if this is indeed an original copy ) and they are no longer the current creditor of the loan as stated per your response.

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 2023-10-29 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: IN

Complaint narrative:
I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed in error, as I have not knowingly violated any PayPal policies or engaged in any prohibited activities. 

I have been a loyal PayPal user and have always conducted my transactions in accordance with PayPal 's terms and conditions. I have used my account for personal and legitimate business purposes, and I have never been involved in any fraudulent or unauthorized activities. 

The sudden limitation of my account has caused significant inconvenience and disruption to both my personal and business affairs. I rely on PayPal for various financial transactions, and this restriction has hampered my ability to carry out essential financial operations. 

I kindly request that PayPal conducts a thorough review of my account and the circumstances surrounding the limitation. I believe that a mistake may have been made, and I am eager to cooperate fully to resolve any concerns that led to this action. 

If it is found that there was an error or misunderstanding, I kindly ask for the reinstatement of my PayPal account and the removal of any restrictions. I am committed to continuing to use PayPal in a responsible and compliant manner. 

I understand that PayPal takes the security and integrity of its platform seriously, and I fully support these efforts. I am confident that a reevaluation of my account will confirm my compliance with PayPal policies. 

Please let me know if there is any additional information or documentation needed from my end to facilitate this review. I appreciate your prompt attention to this matter and look forward to a positive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: MS

Complaint narrative:
I think because of the paper reduction act. An fair consumer market an credit privacy policy. An me being a minority An lacking the knowledge of knowing. I was treated unfairly by credit companies. I was denied if I should of been approved. An that denial started a free fall of bad credit. I have been denied an treated unfairness.

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 2023-10-29 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 express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. 

First and foremost, I believe that this limitation may have been imposed in error. To the best of my knowledge, I have not engaged in any activities that violate PayPal 's policies or terms of service. I have always used my PayPal account responsibly and in compliance with your guidelines. 

I kindly request that PayPal re-investigate my case thoroughly. It is my sincere hope that, upon review, you will find no basis for the limitation on my account. I genuinely value the services provided by PayPal and the convenience it offers for online transactions. Losing access to my account has created significant inconvenience and disruption in my financial activities. 

I kindly ask for your prompt attention to this matter. Restoring my PayPal account would greatly alleviate the difficulties I am currently facing. I remain committed to using PayPal responsibly and in accordance with your policies. 

I appreciate your understanding and cooperation in resolving this matter. If there is any additional information or documentation required from my end to facilitate this review process, please do not hesitate to let me know. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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 express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe that there has been a misunderstanding or mistake in this matter. 

Firstly, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. I take my responsibilities as a PayPal user seriously and have made every effort to comply with your rules. 

I kindly request that you reconsider the limitation placed on my account and conduct a thorough re-investigation of my case. I believe that upon review, it will become evident that this action was taken in error. My primary goal is to continue using PayPal as a reliable and secure platform for online transactions. 

I understand that PayPal 's commitment to security and compliance is of the utmost importance, and I respect your diligence in enforcing these standards. However, I believe there has been a misunderstanding, and I hope for the opportunity to clarify any concerns that may have led to this limitation. 

I kindly ask for your prompt attention to this matter, as it has caused significant inconvenience and disruption to my financial activities. Restoring access to my PayPal account would greatly alleviate these challenges. 

Thank you for considering my appeal. I am eager to provide any additional information or clarification that may assist in resolving this issue. Please feel free to contact me at XXXX if you require any further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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 ( email address : XXXX ). I believe this limitation is the result of a misunderstanding or mistake, as I have always strived to abide by PayPal 's policies and guidelines. 

First and foremost, I want to emphasize that I have not knowingly violated any PayPal policies. I have used my PayPal account for various transactions, both personal and business-related, with the utmost respect for PayPal 's terms of service. It has always been my intention to conduct all activities in compliance with your platform 's rules. 

I kindly request that PayPal reconsider and thoroughly investigate my case. If any discrepancies or issues have arisen, I am more than willing to cooperate fully and provide any necessary information to help resolve this matter. My goal is to restore my account to its previous standing so that I can continue to use PayPal 's services for my online financial transactions. 

I understand the importance of maintaining a secure and trustworthy platform for all PayPal users, and I fully support PayPal 's efforts in this regard. If there have been any concerns about my account activity, I am eager to address them and take any necessary steps to rectify the situation. 

I genuinely value the convenience and security that PayPal provides, and I would like the opportunity to continue using your services for my online financial needs. I believe that a careful review of my account activity will demonstrate my commitment to being a responsible PayPal user. 

Thank you for your attention to this matter. I kindly request a prompt review of my appeal, and I am available to provide any additional information or clarification as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: FL

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 believe this limitation has been imposed in error, and I would like to request a thorough re-investigation of my case with the aim of restoring my account. 

I want to emphasize that I have always strived to comply with all PayPal policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a restriction on my account. It is of utmost importance to me to maintain a clean and responsible PayPal account, and I have taken all necessary measures to ensure its proper use. 

Given the above, I kindly request that PayPal 's review team carefully re-evaluates my account activity. I believe that a thorough investigation will reveal that there has been a misunderstanding or error in the decision to permanently limit my account. 

I value my relationship with PayPal and have found it to be an essential and trustworthy platform for my financial transactions. Restoring my account would greatly benefit both myself and PayPal, as it would enable me to continue using your services in a responsible and secure manner. 

I appreciate your prompt attention to this matter and kindly ask that you reconsider the limitation on my account. If there is any additional information or documentation required from my end to facilitate this process, please do not hesitate to let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: FL

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account ( email address : XXXX ). I firmly believe that this limitation has occurred due to a misunderstanding or error, as I have always strived to adhere to PayPal 's policies and guidelines. 

I want to emphasize that I have not knowingly violated any PayPal policies or engaged in any activities that would warrant such a severe action. My account has been used primarily for personal transactions and occasional online purchases, and I have never been involved in any fraudulent or unauthorized activities. 

Given the importance of my PayPal account for various financial transactions, I kindly request that you re-investigate my case thoroughly. If any discrepancies or misunderstandings have led to this unfortunate situation, I am more than willing to provide any additional information or documentation to assist in resolving this matter promptly. 

I understand that PayPal places a strong emphasis on security and compliance, and I appreciate your commitment to ensuring a safe and trustworthy platform for all users. However, I firmly believe that my account 's permanent limitation is a result of an error or misunderstanding, and I kindly request that you review my case and, if possible, restore access to my PayPal account. 

I value my relationship with PayPal and the convenience it has provided me in managing my finances. I sincerely hope that this issue can be resolved amicably, and I can continue to use PayPal 's services in the future. 

Thank you for your attention to this matter. I look forward to a prompt response and the opportunity to provide any necessary information to support the resolution of this issue.

Company response to consumer: Closed with explanation