vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 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:
Dear PayPal Customer Support Team, I am writing to submit a complaint regarding the permanent limitation that was placed on my PayPal account ( email address : XXXX ). I strongly believe that this limitation was placed on my account by mistake, and I would like to appeal this decision. 

I would like to clarify that I have not violated any PayPal policies, nor have I engaged in any fraudulent activities or activities that would warrant the permanent limitation of my account. I have always used my PayPal account in accordance with the terms and conditions outlined by PayPal, and have been a loyal customer for a considerable period of time. 

Therefore, I respectfully request that PayPal re-investigates my case and provides a detailed explanation as to why my account was permanently limited. I am confident that upon re-investigation, you will find that I have not violated any policies or engaged in any activities that warrant the permanent limitation of my account. 

Furthermore, I request that my account be restored to full functionality if the investigation reveals that there was a mistake made in limiting my account. I rely on PayPal for various transactions and it has caused me great inconvenience and financial loss since the limitation was placed on my account. 

I appreciate your prompt attention to this matter and look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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 — Problem with personal statement of dispute
Company: Island Finance Puerto Rico
State: PR

Complaint narrative:
Island finance wont remove late payments that were due to covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

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, Illinois 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. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$7500.00} XX/XX/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 2023-04-24 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: RI

Complaint narrative:
XXXX XXXX on XX/XX/XXXX added a old debt that the original company knew it was reported as fraud they attached it to my credit profile as a debt collection I told them to remove the debt collection of XXXX of my report from a matrix master card

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 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Dave Operating, LLC
State: CA

Complaint narrative:
XX/XX/2023 Dave Inc Have never deposited any money into my bank account they continue to withdraw from my bank account and my bank doesn't have any deposit into my account from Dave Inc and I request a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I reached out to JP Morgan Chase Bank via email at XXXX As shown attached, the email stated the following : I am searching for funds that remain unclaimed and were last known to have been deposited between XXXX and XXXX from the State of Tennessee Child Support Program. The JPMorgan Chase account the funds were deposited into was account # XXXX ; routing # XXXX My name is XXXX XXXX XXXX XXXX XXXX and I am the account holder. On yesterday, XX/XX/XXXX I faxed two forms of ID, including my Driver 's License and Social Security card to the attention of JPMorgan Central Support Unit at Fax # XXXX. In doing so, identifying my relationship with this account, I hope to speed up the process in searching for the unclaimed funds. 

Should you have any additional information on the funds deposited into this account, please update me. I would like to claim the money, as XXXX through XXXX deposits were never received. 

Thank you for your assistance. 
_______________________________________________________________________ On XX/XX/XXXX, in response to this initial email, the bank requested that I follow up with an in-person branch visit. 
_______________________________________________________________________ On XX/XX/XXXX, I responded on my outcome after following through with JP Morgan Chase 's request to making the in-person branch visit. Within the detailed response, I informed the bank that in making the trip, I had only been inconvenienced and found no recourse. 
_______________________________________________________________________ On XX/XX/XXXX, I received a letter from Chase. Not to acknowledge the bank 's abandoned property division and my rights to a fair opportunity to file a claim, the bank refuses to investigate my lost money and eligibility to make a claim to it, according to the XX/XX/XXXX letter. 

The total loss is {$5100.00} in payments deposited into the Chase account # XXXX : routing # XXXX. The deposits were made between XXXX and XXXX. 
_______________________________________________________________________ Beginning XX/XX/XXXX, a card was issued to me from Chase Bank. In regards to the funds deposited onto the card, the bank is refusing to notify me of where they are. I strongly feel as though I am being denied an equal opportunity, being that I am denied of rights to abandoned property. This is unfair when the department remains actively in operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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, Illinois 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. 

Below are the negative account/accounts impacting my credit XXXX  XXXX  XXXX {$2100.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$7500.00} XX/XX/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 2023-04-24 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: IL

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, Illinois 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. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$7500.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
I received a collections notification from XXXX for Jefferson Capital Systems and I would like verification of the original owners payment history along with original signed contract. I need the date of First Delinquency. I haven't received anything to verify this account. If they cant provide this need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My XXXXbranded credit card was moved from XXXX XXXX to XXXX last XXXX. I was signed up for auto payments. My XXXX statement clearly said that my XXXX bill would be paid in full by auto payment. However, no autopayment was withdrawn and my account was reported as " late payment '' to the credit bureaus. 

XXXX agreed to waive all late fees. Later, they realized the XXXX statement was not sent as it should and they further waived late charges and agreed to fix the credit report for issues relating to the XXXX statement. 

However, they never did correct my late payment ding on my credit report. When I wrote to them to ask that they fix it as they said they would, they simply said they were unable to approve a courtesy correction to my credit report. 

I do not believe that the late payment was any fault of my own. Rather, this was due to a XXXX error.

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 2023-04-24 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: EQUIFAX, INC.
State: WA

Complaint narrative:
My XXXX-branded credit card was moved from XXXX XXXX to XXXX last XXXX. I was signed up for auto payments. My XXXX statement clearly said that my XXXX bill would be paid in full by auto payment. However, no autopayment was withdrawn and my account was reported as " late payment '' to the credit bureaus. 

XXXX agreed to waive all late fees. Later, they realized the XXXX statement was not sent as it should and they further waived late charges and agreed to fix the credit report for issues relating to the XXXX statement. 

However, they never did correct my late payment ding on my credit report. When I wrote to them to ask that they fix it as they said they would, they simply said they were unable to approve a courtesy correction to my credit report. 

I do not believe that the late payment was any fault of my own. Rather, this was due to a XXXX error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: WA

Complaint narrative:
My XXXX-branded credit card was moved from XXXXXXXX XXXX to  XXXX last XXXX. I was signed up for auto payments. My XXXX statement clearly said that my XXXX bill would be paid in full by auto payment. However, no autopayment was withdrawn and my account was reported as " late payment '' to the credit bureaus. 

XXXX agreed to waive all late fees. Later, they realized the XXXX statement was not sent as it should and they further waived late charges and agreed to fix the credit report for issues relating to the XXXX statement. 

However, they never did correct my late payment ding on my credit report. When I wrote to them to ask that they fix it as they said they would, they simply said they were unable to approve a courtesy correction to my credit report. 

I do not believe that the late payment was any fault of my own. Rather, this was due to a XXXX error.

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 2023-04-24 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: CA

Complaint narrative:
XX/XX/2023 I sent correspondence regarding inaccurate and unknown things on my credit report to this day 63 days later I have yet to receive a response. I believe I am being taken advantage of and consumer rights violated. Per section 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between a business entity not a personal account and XXXX XXXX XXXX. I demand these transactional late payments be removed immediately or I will seek litigation due to the violation of rights and breach of contract. Remove data entered XX/XX/2023 an XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2023 I sent correspondence regarding inaccurate and unknown things on my credit report to this day 63 days later I have yet to receive a response. I believe I am being taken advantage of and consumer rights violated. Per section 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between a business entity not a personal account and XXXX XXXX XXXX. I demand these transactional late payments be removed immediately or I will seek litigation due to the violation of rights and breach of contract. Remove data entered XX/XX/2023 an XX/XX/2023

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 2023-04-24 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: Capstone Credit & Collection, LLC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX - Needs to be removed payment plan paid in full still reflecting on my current Credit Report. 

* XXXX - Removal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I contacted this third part consumer reporting agency to request that they security freeze be placed on this TELETRAK report because I was unaware that this company has been supplying false information on my credit worthiness. I am requesting a security freeze be placed on this consumer report that they are supplying to their parent company Equifax and demanding that they forward a complete copy of this consumer report that they have and are furnishing to creditors and its false. 

I contacted this agency on XX/XX/2023 to request that they freeze this account and they refused to do so saying that they were not able to do that and that I would need to call equifax their parent company. Upon trying to do this I was unsuccessful on their website and I need this false information stopped.

I am requesting a copy of my consumer report that TELETRAX has in their system and Im also requesting that they freeze and stop supplying any information to anyone, including Equifax now that I know this is where their getting this false information from and refusing to delete off my consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This account is in violation not reporting! 00 % accurate it list the child support court as the furnisher that's forgery and misleading when the courts don't report this type of account. 15 USC 1681e ( b )

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 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I REQUESTED FORM BARCLAYS TO FREEZ MY ACCOUNT ( CREDIT CARD # XXXX ) SINCE THERE IS MONTHLY CHARGES BY SERVICE COMPANY KEEP BEING POSTED FOR NO REASON FOR THE AMOUNT OF XXXX XXXX BARCLAYS CONFIRMED THAT THE CREDIT CARD FREEZED AND NO ONE CAN WITHDRAW ANY MONEY. AS WELL AS IT START THE INVESTIGATION TO DISPUTE THE TRANSACTION IN XXXX. I WAS SURPRISED THAT ON XX/XX/XXXX SAME SERVICE COMPANY POSTED SAME CHARGES. SO WHAT IS THE POINT OF FREEZING THE ACCOUNT IF ANYONE CAN WITHDRAW THE ANOUNT HE WANTS. I BELIEVE THAT 1- BARCLAYS PROVIDED ME WITH INACCURATE INFORMATION ABOUT FREEZING THE ACCOUNT 2- BARCLAYS FAILED TO PROTECT MY ACCOUNT, 3XXXX I HOLD IT ACCOUNTABLE FOR TRANSACTION OF XXXX $ ON XX/XX/XXXX. I BELIEVE THAT I SHOULD GET PERMANENT CREDIT OD XXXX $ FOR XXXX CHARGE I AM VERY FRUSTRATED WITH BARCLAYS AND I HAD T OCLOSE

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 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank has no transparency in payment allocation and customers can only request specific payment allocations by calling Customer Service after the payment is received and within the same month it is posted. The hold times to speak with Customer Service can exceed an hour and you have to go through multiple prompts from their automated system to get through! Today, I contacted Synchrony Bank regarding my CareCredit credit card account because, although I made extra payments to avoid pending interest, it was accessed for a promotional purchase for {$630.00} that expired on XX/XX/2023. I spoke with an account manager, XXXX, who indicated that closed transactions fall out of their system immediately, so she couldn't see what the payments made on XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$250.00} ), XX/XX/XXXX ( {$150.00} ), and XX/XX/XXXX ( {$100.00} ), XX/XX/XXXX ( {$110.00} ), or XX/XX/XXXX ( {$100.00} ). 

I have another promotion expiring in XX/XX/2023 and they are not posting payments to it. Payment allocation isn't included on statements, you can only determine how payments were posted by comparing multiple statements and trying to calculate the difference in balances on multiple transactions, so you are left guessing if your calculations are correct.

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 2023-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report a potential issue with Carmax Auto Finance and their failure to provide notice of any claims that they may have against me for causing injury, casualty, deficit or debt. As we approach the end of the fiscal year, I want to ensure that I am aware of any claims that may exist before closing out my accounts.

I have contacted Carmax to request that they provide me with notice of any claims that they may have against me, but have not received a response. I have requested that if they have any evidence that I have caused injury, casualty, deficit or debt, they provide me with a detailed explanation and documentation of such claims. However, if they are unable to find any evidence of such claims, I have requested that they zero out all accounting and provide me with notice of how they would like me to report our services together. I am willing to report my payments to them on either an A1099NEC or 1099 miscellaneous form, whichever they prefer. 
I believe that Carmax 's failure to respond to my request for notice of any claims may be a violation of consumer protection laws. I would like to request that you investigate this matter and take any necessary actions to ensure that Carmax is following all applicable laws and regulations. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation