vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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:
Hello. I used to be a user of PayPal services science XXXX. I use my account for sending and receive money from my friends and family members. But a few days ago my account has been limited without literally any reason and explanation! I have my own XXXX GBP on it that was sent to me by friends of mine. But now my money held up to 180 days. I found countless cases of PayPal stealing their customer 's money after 180 days! That's why I filled in this complaint. 
At first, my PayPal account has been temporarily limited. They asked me to upload information about myself. Such as Photo ID, proof of address, bank statement, and information about my transactions. They give my case reference ID : XXXX. So I submitted all of the required information. After a few days, I found I can't use PayPal anymore. They even didn't send me an email about this. Then I tried to appeal that decision with PayPal but they refused.

I can confirm I didn't do anything illegal. I just receive money from my friends. This is not prohibited by the PayPal user agreement. 
Please help me to resolve this issue. 
Also, I am a XXXX XXXX  but now located in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: IL

Complaint narrative:
Delete this account XXXX XXXXXXXX for violation of section 623 for failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter. The Initial dispute was acknowledged by XXXX on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Acknowledged by Equifax on XX/XX/2022. Delete for violation. 

Delete this account XXXX Bank XXXX for violation of section 623 for failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter.The Initial dispute was acknowledged by XXXX on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Acknowledged by Equifax on XX/XX/2022. Delete for violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: IL

Complaint narrative:
Delete this account XXXX XXXXXXXX for violation of section 623 for failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter. The Initial dispute was acknowledged by XXXX on XX/XX/2022. Acknowledged by Experian on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Delete for violation. 

Delete this account XXXX XXXX  XXXX for violation of section 623 for failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter.The Initial dispute was acknowledged by XXXX on XX/XX/2022. Acknowledged by Experian on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Delete for 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 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I was approached on XXXX. A guy asked me if I had any experience in XXXX trading. He presented himself as a XXXX man working for as a project manager in XXXX. He instructed me to download XXXX which then directed me to a scam website called XXXX which ked me to a practice wallet account with XXXX XXXX XXXX  ( which is the scam company ). 
He had tricked me into opening an account with them and to practice XXXX trading, after that I was manipulated into opening a real account with XXXX USD I had traded for a while, earned some money, but every time I wanted to withdraw my funds they asked for more to be placed in. 
I then realized it was a scam. 
It all started around XX/XX/XXXX. 
I lost XXXX USD The money was transferred from my Coinbase wallet to the scam wallet in XXXX then to the scammers -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received a statement in the mail from Bank of America. I have no knowledge of this account, nor did I ever open any account with this bank. This bank fraudulently opened an account without my knowledge, permission or any type of verification. How can this happen? They violated the Patriot Act by opening accounts in people 's names without verification, permission or knowledge. I want this bank looked into by whomever regulates banking institutions and reported for fraud. I immediately want this bank to close this fraudulent account and erase all my data. I better not have any fees, checks or anything written or dispersed in my name. Bank of America is solely and fully responsible for any transactions on this account. Furthermore I want a follow up letter with an apology for this happening in the first place and the letter also needs to state this account is closed and a zero balance. Absolutely ridiculous, shame on you Bank of America!!

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 2022-06-13 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: PA

Complaint narrative:
Am an ID theft victim, unknown since Covid. I filed police report, filled out id theft affidavid for IRS. Lost all myt savings almost went broke bc XXXX XXXX  and trying to get XXXX. I have not had credit and only have my car payment which i have never been late. I am XXXX  american and deserve to have credit like everyone else affords. I have the governement form that I sent to XXXX XXXX  to get a personal loan to recover from id theft and gave XXXX XXXX the paperwork to fill out. They did nothing.

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 2022-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Good afternoon, My mortgage formally was with Ocwen Loan Servicing and was sold to PHH Mortgage ( XXXX XXXX XXXX ( XXXX XXXX  ). There has been several occasion were this lender PHHXXXX XXXX  has been trying to get me to either refinance or do a loan modification. I have mention to them a numerous amount of time theses are not need at this present time when they were offered during COVID in XXXX. PHHXXXX XXXX  XXXX  has applied a loss mitigation/Forbearance fee of {$140.00}. I have repeatedly informed them of my decision regarding this following service. I've recently received my mortgage statement for XXXX and the fee have not been removed. 

Please Help, Kind Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I'm a tenant with a rent control, I as been here for 17 years, after my husband passed in XXXX I haven't a legal lease I always signed but they never sent the copy, on XXXX XXXX complaint to the City for the same reason they ordered to sent me a lease copy in 30 days and eliminated all the overcharged for lateness wich its not applied, according to the first lease in XXXX, they sent me the lease I signed but they never sent me the copy. I never stopped to pay my rent, until last year due to covid ERAP deposit an amount of money covering my rent for 5 month on XX/XX/XXXX ( XXXX ) supposed to be covered until XX/XX/XXXX, I started paying my rent on XX/XX/XXXX even with the increased amount that not supposed to happening until one year later ( XXXX XXXX ) I spoke with them about it to many times they became disrespectful with emails, and harassing me with late notifications certified mails and emails, I complained to the Housing again about it on XX/XX/XXXX, I have the docket number and I guess that they have the notification too.They sent me and email telling me that they will sent my debt into collection they did it and today XX/XX/XXXX I Recieved the notification from TSI, and after all this back and forward with the emails they sent me the lease 2 weeks ago ( XX/XX/XXXX ) when I signed in XX/XX/XXXX and I supposed to recieved the tenant copy 90 days later ( around XXXX or XX/XX/XXXX ) and this it's the first legal lease that I have since XXXX and they're overcharged me also I told them if they're right I'll pay what I own and for sure it's not the amount they're saying

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2022-06-13 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: IL

Complaint narrative:
I am a victim of identity theft please see attachments I have included with this case and completed identity theft affidavit Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 USC & 1681 c-2 ) Which information must be removed within four business days of receipt Understand under ( 15 USC & 1681B ) gives me the power to control everything on my report Im again understand this company will be held criminally liable for aggravated identity theft pursuant to ( 18 USC 1028A ) Extortion theft by deception, securities fraud, and mail fraud. upon the receipt of the documents herion and of this notice you are hereby notified pursuant UCC 1-2021. Your prompt attention and response are both requested in required This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 

15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Account- XXXX XXXX XXXX Account number- 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 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XXXX XXXX purchased a fraud account from Community XXXX. Date unsure. Recieved my first collection letter from XXXX early 2021. Collection call from XXXX explaining fraud. Sent a certified letter to XXXX XXXX explaining my ID theft after XXXX threatened a court case; included was a victim restitution form from the city of XXXX Colorado. I have the Receipt of the certified mail i sent to XXXX XXXX XXXX continues to call me almost every day. Im am be harrassed by their incompetence to receive and properly read a letter sent almost a year ago. Now as of this date my credit score is being impacted by their negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 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: IL

Complaint narrative:
Experian is the only agency reporting thisinaccurate information. I have attempted to dispute this collections numerous of times. Experian refuses to remove this negative item after providing proof how the information in the contract was inaccurate and incomplete. I explained in specific detail, as well as circled on the contract mailed to in attempt to verify the debt the inaccuracies on the contract. The item in the contract was inaccurate and incomplete because in the Buyers Information section of the contract the company has MO as the state in which is associated with the buyers information. The section of the Buyers Information is also incomplete because the company failed to provide a Present Address or City in the Buyers Information section of the contract. I have never lived in the state of Missouri and should have no address on file connected with that state. According to the Fair Credit Act. Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-06-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Acct # 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 non-monetary relief
Consumer complaint received 2022-06-13 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: OH

Complaint narrative:
I have made my Paypal Credit account to make several purchases to take advantage of their " XXXX months no-interest promotional financing '' offer ( which is actually " deferred interest '' that is waived if you pay off the balance before it expires ). This year, I received a partial refund from XXXX of the merchants I had made a purchase from that qualified for this promotional financing. That " credit '' was applied to a different outstanding promotional financing purchase on my account, due to the way Synchrony applies these credits by default. When I called to complain that this was not in my interest, I was told that this would be taken care of. Instead of the credit being taken off of the wrong purchase and applied to the correct purchase, the amount was " reallocated '' from promotional financing to a " standard '' balance ( which bears interest IMMEDIATELY ). This means that any payment I made would first go towards this " standard '' balance instead of my expiring promotional balances and I never knew why. Synchrony makes it IMPOSSIBLE to figure out what's going on, then they refuse to allow consumers ( or even the customer service reps that deal directly with consumers ) to directly contact anyone who actually makes adjustments to account balances, so every time I would call and complain ( XXXX or XXXX  times over the last 6 months ), I would be assured that everything would be fixed ( " within XXXX to XXXX billing cycles '' ), but things would get WORSE every time. Most recently, in an attempt to fix this situation, Synchrony " paid off '' ALL of my promotional balances, then realized they messed up and DEBITED my account for that amount, except instead of putting it back on promotional balances, it was ALL put on the REGULAR " STANDARD '' balance, which I now have to pay right away or risk paying interest on all of it. I STILL can't talk to anyone actually making the changes.

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 2022-06-13 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an 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
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit reporting agency EXPERIAN has been informed of INACCURATE INFORMATION currently being furnished on the consumer credit report belonging to the consumer XXXX XXXX and has failed to comply with Federal Law and the requirement to only furnish information on a consumer report in accordance with the written instructions of the consumer to whom it relates pursuant to the Fair Credit Reporting Act section [ 15 USC 1681b ( a ) ( 2 ) ]. As a Federally protected consumer, I have provided specific written instruction to EXPERIAN in regards to the personally identifiable information authorized to be furnished on my consumer credit report which was delivered on Saturday XX/XX/2022 at XXXX by way of USPS XXXX XXXX Mail XXXX XXXX  XXXX XXXX XXXX XXXX. EXPERIAN has failed to comply with this direct consumer request, and is now willfully and deliberately reporting INACCURATE INFORMATION on my consumer credit report in violation of Federal Law under the Fair Credit Reporting Act [ 15 USC 1681b ( a ) ( 2 ) ] for failure to furnish information in accordance with the written instructions of the consumer to whom it relates. It is hereby required under Federal Law that this agency immediately remove or delete the following unauthorized personally identifiable information : UNAUTHORIZED ADDRESSES : XXXX. ) XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. ) XXXX XXXX XXXX PL XXXX, IN 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 2022-06-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act the attached creditors have violated my rights as far as unauthorized inquiries. 

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. 

I did not perform or authorize these inquiries.

Company response to consumer: Closed with explanation