vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to express my strong dissatisfaction with the permanent limitation placed on my PayPal account XXXX I firmly believe that this limitation has been made in error, and I would like to appeal this decision. 

Firstly, I would like to state that I have not violated any PayPal policies, terms or conditions. I have always been a responsible and conscientious user of PayPal, and I have never engaged in any fraudulent or illegal activities on this platform. Therefore, I fail to see any reason for my account to be permanently limited. 

Secondly, I would like to request PayPal to re-investigate my case thoroughly, and to take into account any evidence that I can provide to support my claim. I strongly believe that if my case is reviewed again, the mistake that led to the limitation of my account will be rectified, and my account will be restored. 

Lastly, I would like to emphasize that my PayPal account is of great importance to me, and it plays a vital role in my daily financial transactions. Therefore, I would kindly ask you to expedite the investigation process and restore my account as soon as possible. 

Thank you for your attention to this matter. Please do not hesitate to contact me at the email address XXXX if you require any further information. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: NC

Complaint narrative:
On multiple occasions, XXXX XXXX and XXXX has contacted Synter Reource and informed them the debt they are try to collect does not belong to us. On XX/XX/XXXX on a recorded conversation, XXXX XXXX XXXX ( Who synter resource keeps stating they can not get in contact with and i am able to with no problems ), along with me ( XXXX ) from XXXX XXXX XXXX XXXX, contacted synter resource on a 3-way call. XXXX informed synter resource that they are the responsible party and to stop contacting XXXX XXXX and XXXX. XXXX gave them permision to bill them as XXXX XXXX and XXXX has already paid XXXX for the shipment and that XXXX was the person to to request the shipping and requested to be billed to them. 

Once again i had a email sent on XX/XX/XXXX at XXXX, i emailed them back and asked to stop harrasing us and to cease comunication as we have no affiliation to southern freights and never gave them persmision to bill us for anything or and services performed. I also contacted them by phone the same day and requested the same. 

On XX/XX/XXXX i once again i recieved communication from synter recource requesting payment even though they know this debt does not belong to us. 

I have asked multiple times in writing and verbally for documentation showing us giving permistion to be bill and they have yet to provide that. They issued a document with no signitures from anyone a blank invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Im an XXXX XXXX servicemember who has a Chase Sapphire Reserve Visa credit card. One of the benefits of that credit card is Auto Rental Collision Damage Waiver, which provides primary insurance coverage and reimbursement for up to {$75000.00} for collision damage for rental cars in the U.S. and abroad. That benefit is administered by Card Benefit Services. 

On or about XX/XX/2022, I initiated an Auto Rental Collision Damage Waiver Benefit claim ( # XXXX ) with Card Benefit Services in the amount of {$2400.00} to be reimbursed for rental car collision damage. To date, I have yet to receive reimbursement despite providing all required and requested documentation. 

Instead of processing and completing my claim, Card Benefit Services continues to request documentation that has already been provided. There has also been a clear, designed pattern of delay. Card Benefit Services state in emails that they will review supplied documentation within 5 business days and review correspondence within 2 days, however that does not occur. Additionally, " necessary '' documents were not initially supplied for completion of requested. It's as though there are different requirements for the claim each time I follow up on the status of the claim. 

My claim shouldve been paid out months ago. Card Benefit Services behavior is unacceptable, especially toward an XXXX XXXX servicemember.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: OH

Complaint narrative:
My loan was sold to the current servicer SN Servicing on XX/XX/XXXX. Before the loan was sold, I had entered into a COVID forbearance with the prior servicer XXXX XXXX. I called XXXX XXXX and informed them that I had XXXX. The representative explained to me that I was eligible, and the phone call was all that was needed to enroll in the program. XXXX XXXX representative also said that the program is good for one year however, I have to call in every three months to see if I still needed the coverage, and at that point I could extend for another three months. I agreed, I was now enrolled in the program from XXXX thru XXXX. 

On XXXX XXXX SN Servicing purchased my loan. I then began to get phone calls and letters from SN Servicing informing me that they had purchased my loan and that I was due for payments. I told XXXX the 1st representative that I made contact with that I was on a forbearance from my former servicer. I told him that it was a federal program and that my old investor was XXXX XXXX, and the old servicer was XXXX XXXX, and asked them to honor the forbearance. I asked if they had any kind of program ( s ) that could help but he said they had nothing and that he would get back to me, he never did. I then began to deal with XXXX, and she also stated that they did not have anything but, referred me to the local agencies and also said " Those COVID programs should be abolished ''. I was also informed that the new investor XXXX XXXX XXXX was not a government backed investor, so they did not have to abide by the previous agreement which was set in place by XXXX XXXX. 

I sent the agreement from XXXX XXXX to XXXX at SN Servicing on XXXX XXXX in hopes that they would honor the agreement but, I have not heard from SN Serving currently. At this point my home is up for foreclosure and I am at my whit 's end and do not know what to do since I have only been given a foreclosure notice and no other correspondence. 

So, at this juncture I am asking that they uphold the agreement that was in place with XXXX XXXX until XXXX ( if needed ). I have lXXXX XXXX so I am still recovering at present. I would also like the foreclosure to be stopped immediately since this undue stress is detrimental to my recovery. I am working hard to get well and hopefully this stressor can be alleviated so that can have a full recovery and begin to make payments again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: GA

Complaint narrative:
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 explanation
Consumer complaint received 2023-04-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to Experian, XXXX, and XXXX. As a consumer I know that I have rights. I informed each bureau to remove all late payments that the bureaus are reporting on each account. XXXX opened XX/XX/XXXX, XXXX XXXX-opened XX/XX/XXXX, XXXX XXXXXXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened on XX/XX/XXXX and XXXX XXXX opened XX/XX/XXXX. According to 15 USC 1681a, reporting late payments is illegal. The law states that a consumer report does not include transactions or experiences between the consumer ( individual ) or the person ( company ) making the report. Payment history and/or payment status is considered transactions. My experience is considered the line of credit, utilization. According to the FCRA, I have the right to an accurate and fair consumer report. Experian, XXXX, and XXXX are nonaffiliated third parties. My consumer rights have been violated. The credit agencies did not notify me of an investigation or that remove any of the illegal information on my consumer report. I want all late payments removed. With that said, according to 15 USC 1681n, states that a monetary remedy of {$1000.00} should be paid to me ( consumer ) for each violation.

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 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal 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 non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened a Beyond Checking account with TD Bank with a promotion : if I put {$2500.00} into the account via direct deposit within 60 days, I would receive a {$300.00} bonus within 180 days of the account opening. By XX/XX/XXXX, I had already added {$3300.00} in direct deposits, exceeding the threshold to earn the bonus. It is now XX/XX/XXXX, more than 180 days from the account opening, and I have yet to receive the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I received a copy of my credit report and saw this item of information reporting : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number : XXXX The following account has been reinserted on my credit file in error as it had been previously deleted. I am once again disputing the completeness and accuracy of this item of information. It is my understanding that once an account has been reinserted there were required steps you should have taken as a result of that action. Accordingly, I was supposed to be notified in writing within 5 business days after the date of reinsertion. The notice was supposed to include : 1. Statement that the disputed information has been reinserted 2. Business name and address of any furnisher of information contacted etc.

3. Notice that the consumer has the right to add a statement I have yet to receive that written notice. Im requesting that you delete the item of information once again. 
XXXX XXXX XXXX XX/XX/1965 XXXX See attached letter

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 2023-04-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This is probably the 10th time Ive been trying to get Equifax to fix the incorrect information on my credit report. For some reason, Equifax did correct the issue a few weeks ago. But I checked my credit karma today and I saw that they put it back to the incorrect information. I dont understand why Equifax is doing this to me. This is the 10th time Im telling Equifax I did not file for bankruptcy XXXX. Ive sent proof that I did not file on that date. I really want them to remove bankruptcy off my credit report. Because they are ignoring the proof that Im providing to them. And the fact that they will correct the information and then change it back to the wrong information feels like they are playing games with me. Everything Equifax is doing is going against the fair credit act. They are defaming my name on purpose just to make money and thats not right. I have a family that I need to take care of, so I dont have time to keep doing this. When I apply for places to live I keep getting denied because they are seeing that I filed for bankruptcy in 2021 which is not true.obviously Equifax does not care if me and family end up homeless because of the mistake that they made. And actually its not a mistake because Equifax knows exactly what they are doing. They are ignoring the proof that Ive provided. I am sending proof again that they are reporting the wrong information. I want this bankruptcy deleted immediately for false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have attached an FTC report with a fraudulent collection and fraudulent inquiries

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 2023-04-25 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: NC

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, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear Support Team, I am writing to appeal the permanent limitation placed on my PayPal account, which has caused me significant inconvenience and financial loss. I believe that this limitation was a mistake, and I respectfully request that PayPal re-investigate my case and restore my account if possible. 

I would like to clarify that I have not violated any PayPal policies, and I have always conducted my business transactions in compliance with your terms and conditions. I was taken aback when I received a notification informing me of the permanent limitation on my account. I have reviewed your policies and can not identify any reason why my account should have been limited. 

I value the convenience and security that PayPal provides to its customers, and I have been a loyal user of the platform for several years. I am confident that my account was limited by mistake, and I would like to ask PayPal to give me the opportunity to present my case and provide any necessary information to resolve this issue. 

I kindly request that PayPal re-investigates my case and restores my account if possible. I am willing to cooperate and provide any additional information or documentation that may be required to resolve this issue. My PayPal email address is XXXX, and I hope to receive a positive response from your team soon. 

Thank you for your attention and understanding in this matter. 

Sincerely, [ Your name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The original mortgagee, XXXX XXXX, was adjudicated incapacitated. I was appointed by the Supreme Court XXXX XXXX XXXX NY to be the Guardian of her property. I closed XXXX 's personal accounts and open Guardianship accounts. Her HELOC was automatically deducted from her personal acct. I send my Commission to Guardian to Bank of America mortgage department in early XXXX. I still do not have authority to have the payment automatically deducted from the Guardianship account and she is being charged interest and fees and is getting letters about foreclosure. 

All aforementioned accounts were at Bank of America, which accepted the commission, closed the personal accounts and opened the Guardianship account. It is only the mortgage department, which is making money on fees etc. and therefore has an interest in not accepting the papers, that is not giving me access to the account. 

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 non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I went into regions bank in XXXX Texas to open a new account and was denied based off of a system called Early warning system that gave me no reason. I called them and they are not telling me any information as to how they recieved my private source data without my consent and why are they giving out my private source date without authorization. I have never did any business with this third party and for them to be able to deny a consumer account based off of information that they wont even reveal to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Dear Customer Support Team, I am writing to submit a formal complaint regarding the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake and that I have not violated any PayPal policy. 

As a PayPal user for several years, I have always conducted my transactions with utmost honesty and integrity. Therefore, it came as a shock to me when my account was permanently limited without any warning or explanation. 

I would like to request PayPal to re-investigate my case and restore my account if possible. I understand that there may have been some misunderstanding or miscommunication, and I am willing to cooperate fully with PayPal to resolve any issues or concerns. 

I am confident that upon reviewing my account, PayPal will find no evidence of any violation of their policies or terms of service. I believe that my account was flagged in error, and I am eager to have my account reinstated as soon as possible. 

For your reference, the email address on my PayPal account is XXXX. I kindly request that you keep me updated on the progress of my case and provide me with any additional information or documentation that may be required. 

Thank you for your attention to this matter. I appreciate your time and consideration and look forward to a favorable resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation