vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 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:
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 this limitation has been imposed in error, as I have consistently adhered to PayPal 's policies and guidelines. 

I have reviewed PayPal 's policies thoroughly and can confirm that I have not engaged in any activities that would warrant such an action. My account has been used solely for legitimate transactions, and I have always strived to maintain a clean and trustworthy presence within the PayPal community. 

Given the above, I kindly request that PayPal re-investigates my case with a view to lifting the permanent limitation on my account. I understand the importance of maintaining the security and integrity of the PayPal platform, and I am committed to cooperating fully with any necessary steps to verify my identity and account activity. 

I appreciate your attention to this matter and kindly ask for your prompt assistance in resolving this issue. Restoring my PayPal account would greatly benefit me and enable me to continue using PayPal for my financial transactions without disruption. 

Thank you for your understanding and cooperation. I look forward to a favorable resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit 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: SC

Complaint narrative:
On XX/XX/2023 my family arrived in XXXX XXXX XXXX XXXX XXXX the late afternoon at XXXX XXXX XXXX XXXX. We had private transportation arranged by the resort from the airport. 
We were taken to a large room that was being used as the check-in area. My credit card was taken from me to be added to our reservation for incidental charges. The card was out of my possession for an extended period of time while we waited to be checked in. 
When we returned from our vacation on XX/XX/2023, I immediately checked my credit card account online. I discovered an unauthorized charge of {$1800.00} from a merchant named XXXX made on the day of our check-in, XX/XX/2023. Upon researching this merchant, it is listed as a taxi service. We did not use this service as we had our own private transportation from the airport through the resort. Logistically, the charge doesn't even make sense as we were not in the country long enough to have a taxi charge of this amount from the airport. XXXX XXXX is only about XXXX minutes. Once we arrived at the resort and checked in, we never left the resort until we checked out on XX/XX/2023. 
I have made numerous phone calls over the past 6 months to XXXX. I have submitted documentation showing proof of our private transportation, proof of our arrival time into the XXXX XXXX, email addresses for our travel agent and staff at the resort to confirm all the information submitted. 
The credit card company stated that since this is a chip card, I approved the transaction. I did not approve it and the charge was made while the card was out of my possession at the resort. I have requested proof, that the transaction was approved, from the credit card company and it has not been provided. The credit card company said they were unable to contact the merchant and that I should do this. I tried several times using the information found online but there is never an answer to the phone number and no other contact information. This is a fraudulent charge from a fraudulent company. I was told, in writing, that I should not pay the disputed amount and that I would not be charged interest on the disputed amount but I have been charge interest for several months now. I have requested a supervisor/manager to call me to discuss the decision by the credit card company, to refuse to reverse the charge and interest. 
I have been promised 3 times that someone would call me in XXXX hours, then XXXX hours, then XXXX hours again. No one ever calls. I have had this case reopened 4 times now. 
I do not believe anyone is actually going to call me or listen to the facts.

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 monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: GA

Complaint narrative:
REMOVAL OF THE FRAUD ALERTS and SECURITY FREEZE on my personal credit file and to update my identification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
REMOVAL OF THE FRAUD ALERTS and SECURITY FREEZE on my personal credit file and to update my identification.

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 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This regards BMO bank. On XX/XX/XXXX, I deposited my paycheck via their mobile app. It was flagged as fraud and they froze my account. I had to call in several times with each time being over an hour wait. Ultimately, I was told that the deposit was flagged as fraudulent and that it would take 7 business days to clear up. Today is XX/XX/XXXX and my account is still frozen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: D2 Management LLC
State: IN

Complaint narrative:
Took out payday loan in XXXX with XXXX based in XXXX, XXXX XXXX business as Cashland XXXX XXXX hit, the business closed, did not have no contact information nor did they send me a letter to let us know they were closing until now when they finally called me. The only way I found out they were closed it when I went to pay the loan off since I missed my payment arrangement, the store was closed. I did not get any communication until XX/XX/XXXX when XXXX management ( ph # XXXX ) called threatening me during a time I am trying to retrieve my son 's body from XXXX. He was in a motorcycle accident and I explained to them I have documentation and I was trying to raise money to get to XXXX to him and his family. I did not get the persons name but she said the only thing they want to hear is that I am going to pay the {$400.00} and something dollars or they will move forward to ligation. I explain to him to give me time because I just lost my son over the weekend and working to get him home, I don't have the money. She did not care and this just send me into a deep XXXX. I can not handle this, trying to keep my family calm, making funeral arrangements, trying to get an emergency passport and other things. I feel this call was not warranted and I told them I have documentation to show I was telling the truth. The only thing she said was I will update the file, no my condolences or nothing and my son was in the XXXX XXXX XXXX. I tried to work something out with them due to my circumstances but they were not trying to hear what I was going through and did not want to work with me creating even more hardship during a time or mourning and trying to keep my family focused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: ND

Complaint narrative:
I noticed an unauthorized hard inquiry on my credit report from a company called Onemain Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

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.

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 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 2023-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
This complaint is against PHH Mortgage Services and its parent company, Ocwen Financial Corporation. 

In XX/XX/XXXX, a burst water pipe caused over {$100000.00} of damage to my home. 
My insurance company doesnt pay for all of the damages at once. They release claim funds in chunks. 
PHH Mortgage, as the lienholder, is required to be a party to the claim checks issued by the insurance company. 
For reasons that no one at PHH can explain, they are holding funds that have already been approved and released by the insurance company. 
XXXX XXXX has released 66 % of the funds. PHH has only released 42 % to me. 
PHH will not release any additional funds until my repairs are 80 % completed. 
No one at PHH can explain to me how I will be able to achieve 80 % completion with only 42 % of the money. Their only response is thats our process and we can not deviate from it. Every person I have spoken to says this. 
We have been living without a kitchen since XXXX, and more than 50 % of our main floor was damaged. 
PHH has an endless call center approach to customer service. There is only one number available for discussing insurance claim checks. You can not escape the call center, and they all read from the same script. 
PHHs website only has one toll-free number ( which also goes to a call center ). When I call that number, they transfer me to the same claim call center. 
PHH does not publicly list any names of the management team, or the names of anyone at their company, on their website. It is impossible to locate a reasonable human being that is willing to discuss the issue. 
The one name I could find elsewhere belongs to the CEO. I sent a letter and full documentation to PHH CEO XXXX XXXX on XX/XX/XXXX. He chose not to respond, or to have anyone else respond directly to me. Instead, I received a form letter which said that it will take 30 days to get a response from the claims department. No one in the claims department has the authority to resolve this matter. 
If my own mortgage company wasnt involved, we would have a family Thanksgiving in our own home. Because of PHH, we probably wont even be able to finish repairs before XXXX. It appears that they prefer we live in a damaged home indefinitely. 

PHH apparently only wants to communicate by either a call center outside the US, or by snail mail, which continues to lengthen the amount of time we are living in a damaged home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: LA

Complaint narrative:
I am a victim of identity theft but Im being treated as the criminal I want my life back please help help help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: MI

Complaint narrative:
I have tried several times to have fraudulent student loan removed from my name. It is removed from my credit report, but yet MOHELA still will not take action on this student loan. I have sent in all documents, along with police report and signed ID theft affidavit that I signed in front of a notary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have asked for verification multiple times and they continue to park these items on my account and they were previously deleted by experian and re added with proper notification I have stated to them what the congress labeled excluded from a consumer report charge offs and late payments on the list 15 USC 1681 a D2 A1 says that is under the exclusion section. They will not verify any information and after dissputing 3 times with no verification or information regarding the investigations they have actually added 20 months of late payments history making it impossible to get a car or an apartment or a credit card this is ruining my life and they refuse to follow any kind of laws or instructions by me and tell me the law dosnt have any change in there policy

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Ive been requesting a payoff to sell my house for months. They have had many delays or dont answer the phone. Ive reach out to XXXX loan management services, to acquire a payoff. They wouldnt provide the necessary information then eventually they hired lawyers to foreclose my house. I called daily to obtain a payoff to sell until I lost a sale trying to sell owner to owner. I then hired a realtor to help sell the house. I repeatedly requested a payoff quote from rushmore and their lawyers until rushmore loan services transferred my loan to rushmor services. I acquired another buyer and had a closing date. However Ive had to postpone sale twice due to XXXX not providing payoff quote. XXXX on the verge of loosing another buyer and less than a month away from my house being foreclosed. I would have already sold my house before the foreclosure process if I had the payoff quote. Currently I still cant sell my house because they still dont provide the pay off, which will be more expensive due to lawyer fees because of their delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023 I received an email saying I applied for a Chase Sapphire Preferred credit card, which I did not apply for. The email does not appear to be a phishing email. I contacted Chase since this has also happened to a member of my household twice in the past 3 months and they could not provide much details just that someone maybe stole my identity. However, I dont believe its a coincidence that this is only happening with CHASE BANK . They agreed to close out the application and contact all credit bureaus to have the inquiries removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I mailed these letters certified mail to you and i have yet to receive A WRITTEN RESPONSE!!! MUST I PURSUE LEGAL ACTION!!!!?? 

XXXX XXXX XXXX XXXX Remove my items immediately or face legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You are currently showing balances over my credit limit on these accounts but the accounts are paid in full. Please update this asap as this incorrect information is preventing me from getting a mortgage. 

XXXX Credit Card - Balance of {$5000.00} - Acct # XXXX XXXX XXXX Credit Card - Balance of {$1400.00} - Acct # XXXX XXXX XXXX XXXX - Balance of {$4500.00} - Acct # XXXX XXXX XXXX - Balance of {$3100.00} - Acct # 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You are currently showing balances over my credit limit on these accounts but the accounts are paid in full. Please update this asap as this incorrect information is preventing me from getting a mortgage. 

XXXX Credit Card - Balance of {$5000.00} - Acct # XXXX XXXX XXXX Credit Card - Balance of {$1400.00} - Acct # XXXX XXXX XXXX XXXX  - Balance of {$4500.00} - Acct # XXXX XXXX XXXX - Balance of {$3100.00} - Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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

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