vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-14 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

Complaint narrative:
I believe that it was a mistake to permanently limit my paypal account. I am using my paypal for my freelancing job since XXXX XXXX, 2021. 
My paypal account XXXX has a stucked funds worth more than XXXX that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds.

Thank you and Godbless.

For identity verification, I attached my valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  has placed a judgement against me for back rent on a apartment I rented from them. I was watching my brothers licensed emotional support dog when I had false accusations that she was a Pit bull and I was told i can not have the breed or a dog in the apartment unless I paid a shake down fee of {$1000.00}, I showed proof that the dog was a XXXX XXXX XXXX and that I was watching her temporarily due to my brother being in the hospital with a XXXX XXXX ( he passed ) I was threatened to get out unless I paid this {$1000.00} and I have all the emails tell them where I was harassed, threatened to just leave. All because I was watching a dog for a couple of weeks. I was scared and felt unsafe. After the last threatening email I left. I never received OR SIGNED anything that showed this. I left the place spotless as well. This company is a fraud and have done this to many many people. Unless they can produce a signed dated notarized affidavit from me that I was made aware of what they are saying then by law this MUST be removed from my credit. I have all the emails saved tell them and I have an attorney. Thank you

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 2022-05-14 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business freelancing since XX/XX/2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 


For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Earlier this year I requested debt validation from both the collection agency and the XXXX credit bureaus. I never received anything proving this is mine. I have never opened or done business with XXXX Id like all proof, including any and all documentation proving this account is mine with signatures and identification used to do business with them.

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 2022-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello sir. My PayPal account was already limited. Help me restore my PayPal account for me to withdraw my money and also use my PayPal account for remittance and savings. Thanks a lot

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I want to restore my paypal account because i am new in online business since XXXX, my bussiness is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX my paypal account is XXXX, the paypal account is the only way to recived payment from the other country so please help me, Thank you for your support

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my XXXX XXXX XXXX XXXX since XX/XX/2021. My paypal account : XXXX. has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
This is my with American express credit card. Last year in the month of XXXX to XXXX american express said they are giving {$150.00} cash back up on upgrading card. As I having travelling plans, I have cancelled the card. From last year none of them from american express contact me on this. Out of no where now they are asking me to pay {$150.00} -for STATEMENT CREDIT RESEVERAL. All the these transactions has happened with knowledge of american express customer service, they have cancelled it. but now they are asking to pay money. I have contacted American express Customer service I do not see any positive reply from them. In current Billing statement they have included {$150.00}. 

Request you to order them to not to collect {$150.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
Dear Sir/Ma'am, Good day! 
This is with regards on my account in paypal. I have online transaction and they put on hold the payment. They decided to put permanently limited my account and can no longer use it anymore. 

I believe that it was a mistake to put on permanent limitations my account without disclosing the reason why. I am using my paypal account for my online business last XX/XX/2022 under my paypal account XXXX has stucked funds in it that i have to withdrawn asap for emergency purposes. I am hoping that i will get back my account and lifted the said limitations and also able to transact business with paypal without any limitations. 

Hope that this complaint will merit their kind approval for the said matter. 

For identity verification, I attached my valid ID and the screenshot of my paypal account transaction for your reference. 

Thank you and God bless. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
My PayPal account XXXX was permanently limited due to my wrong typing word and i dont know how to edit or removed it plss help me to get back my account i used it for my business like crypto currency and sending for my family and friends ang i can't withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
A new checking account was opened in my name on XX/XX/2022. I received XXXX emails, back to back, stating the application process was started and then the account was successfully opened. I only knew this happened because the fraud was performed using my email account. I called Bank of America and talked to the fraud line. They closed the account. I then created an account with XXXX and placed a freeze on my social security number.

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 2022-05-14 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

Complaint narrative:
I believe there was a mistake that I can no longer do business with PayPal. I am using my PayPal account for my online business selling ebooks and other digital works since 2020, and aside from that using it to received payment from our club members to pay for their dues in our club, and also used to send money from my relatives abroad as gift. I withdraw immediately because I need to transfer and pay for some items I bought locally. I am hoping that PayPal will lift the limit on my account XXXX and continue to do business with them. Thank you and God bless. 
For identification, I am attaching my valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
I believe that it was a mistake to close my paypal account. I'm using my paypal account on my online business XXXX XXXX  by XXXX, selling e-books and online services related in baking since 2020. My Paypal account XXXX has stucked funds and some actions that i needed to do for some of my clients. I'm hoping that i will get back my account to widraw my funds and help my clients. 
Thank you and Godbless!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
On my experian credit report I have two items that are questionable. inaccurate and or incorrect. these accounts are " XXXX XXXX '' " XXXX XXXX XXXX '' on XX/XX/2022 VIA USPS CERTIFIED MAIL i have sent experian a letter requesting verification of the accounts in question and to this day XX/XX/2022 I have not received any form of communication from experian. 

The USPS TRACKING NUMBER is XXXX I know that experian is a credit reporting agency and they have rules to follow, they must correct or delete any inaccurate, incomplete or unverifiable information within 30 days. and since they have not, they have violated federal law.

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 2022-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
My balance XXXX peso, in us currency XXXX, i recived the payment in online tutorial XX/XX/XXXX XXXX us dollar in paypal, transaction XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business in Crypto trading since XXXX. My paypal account : XXXX has incoming payments from my customer that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For validation, I attached my Valid ID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/22 XXXX alerted me of a Hard Inquiry from XXXX XXXX XXXX, I did not apply for. 
Then several other Hard Inquiries start popping up, XX/XX/22 XXXX XXXX, XX/XX/22 XXXX XXXX XXXX XXXX again from XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Also on XX/XX/22 Hard Inquiry at XXXX XXXX. My Credit Score is going down so quick. I am trying so very hard to keep my Credit Score to the Max. Paying all on time and extra amounts monthly when I can. 
I have paid over {$200.00} to XXXX to lock my credit report companies. Who ever this person or persons are even have my Drivers Licence Number. XXXX says My Information is in the Dark Web. I Want Them Stopped Please! Thank the Lord these people have not gotten Money, that I know of right now. 
I have been in touch with all Companies. They have sent me letters saying they will remove the Inquiries. But still, how long does this take? 

Thank You for your help, in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hey, how many times I've disputed this account found in my credit report but still in there. As a federal protected consumer I know you no legal standing, you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hey, how many times I've disputed this account found in my credit report but still in there. As a federal protected consumer I know you no legal standing, you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish you caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account account # ending in XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
I believe that it was mistake to close my PayPal account. I am using my PayPal account for my online business and digital marketing Since XX/XX/2021 when the time of pandemic a rise and the lockdown in our area was implement. My PayPal account ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
They limit my account permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I went to XXXX XXXX University. I see that they have a lawsuit for issuing degrees to people who did not meet academic requirements. They gave me misleading information and didnt assist with job placement. I am in debt behind this university. Please investigate. 
https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
The close my account with out any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
Hello, The complaint I am filing is against Chime Bank. On XX/XX/XXXX I filed a dispute regarding two ( 2 ) unauthorized transactions charged to my account. 

The first transaction was done on XX/XX/XXXX at XXXX in the State of Ohio XXXX The merchant name is XXXX XXXX XXXX restaurant ) in the amount of {$40.00}. 

The second transaction was done on XX/XX/XXXX at XXXX in the State of California XXXX The merchant name is XXXXXXXX XXXX ( dining delivery ) in the amount of {$43.00}. 

I live in XXXX, Florida. There is an authorized transaction I physically made at XXXX Pharmacy here in OXXXX on XX/XX/XXXX. I could not have made those other transactions. 

Initially, Chime Bank gave a temporary credit for the first disputed transaction, and then this morning I received two emails regarding the disputes from Chime Bank. 

The first email states that they are reversing the credit given for the 1st transaction ( {$40.00} ) based on their " investigation ''. The second email states that they will not credit funds for the 2nd transaction ( {$43.00} ) based on findings in their " investigation ''. 

I have phoned Chime Bank, informed them of their obvious error, demanded it provides the documentation it used to reach its conclusions, and stated that if they do not reverse course, I will permanently close my account with them. 

Regardless of the fact that this is not a large sum of money, it is my money and I did not make those transactions. I have used Chime Bank since XX/XX/XXXX, have made ALL transactions here in XXXX, Florida and have had no issues until now. However, this is ridiculous and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account.I am using my PayPal account for my online business as selling e-book customer pay me using my PayPal account since 2020.My PayPal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes.And I am hoping that I will get back my account and able to withdraw my funds.Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I had opened a Wallet on Coinbase. I wanted to invest some money, when I joined a smart mining pool. I initially placed {$16000.00} in the pool, and within a week it had disappeared. I called Coinbase to report the matter immediately after I noticed the money was missing, and they asked me if I had shared my security key with anyone, and I said I had not. They said that no one had access to that wallet, but they would investigate the matter for me to try and get my money back. I had told them that I had joined a smart mining pool, but they did not say anything to warn me about that that it could possibly be fraud, they simply said nothing, other than they would investigate and they put a freeze on my account so no one could access it, put money in or take it out. The next day I received a phone call from someone saying they were from Coinbase, and said that the transaction was legit, that they were running the smart mining pool that I had joined, and that they had taken the funds and moved them to another account, and that if I would invest another {$50000.00}, I would receive my money back that had been taken, along with double interest, the reason being was to promote their company with more assets. I tried to call Coinbase back to see if this was legit, and I was not told anything at all, other than they hadnt heard about it. Again, I was not warned about anything, I was not told to look out for anything that this could possibly be a scam, and then Coinbase allowed my account to be unfrozen, at which point I invested the money and lost all of it as well. Coinbase refuses to accept any responsibility or help me in anyway. I am willing to accept the loss on the first investment of the XXXX, but I have asked that the other XXXX be returned, because I feel that they were negligent, and did not help me or warn me of any dangers. They will not respond to my complaints they will not respond to anything at this point, and I am seeking help in this matter. It started on XX/XX/XXXX, I had the first initial I taken about XX/XX/XXXX, at that point I called Coinbase, and I lost the rest by XX/XX/XXXX. I was told the only way to get my initial investment back, was to invest another XXXX. I cant get help from anyone in this matter, it has caused me a great deal of financial harm.

Company response to consumer: Closed with explanation