vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 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 PayPal Customer Service, I am writing to submit a complaint and appeal the permanent limitation that has been placed on my PayPal account, which is registered under the email address XXXX. I believe this limitation was placed in error, and I respectfully request that PayPal re-investigate my case and restore my account if possible. 

Firstly, I want to state that I have not violated any PayPal policy. I have always adhered to the terms and conditions set forth by PayPal, and I have never engaged in any activity that is prohibited by PayPal policies. Therefore, I am perplexed by the limitation placed on my account and would appreciate a detailed explanation of the reason for this decision. 

Secondly, I would like to emphasize that my PayPal account is crucial to my personal and business transactions, and the limitation has caused me significant inconvenience and financial loss. I urge PayPal to understand the gravity of the situation and take immediate steps to rectify the issue. 

Thirdly, I am confident that a mistake has occurred, and I request that PayPal re-investigate my case. I am willing to provide any necessary information or documentation to support my case and prove my innocence. I respectfully ask that PayPal 's investigation be thorough and impartial, and that any decision made be based solely on factual evidence. 

In conclusion, I want to reiterate my request to have my account limitation lifted, and I look forward to a prompt response from PayPal. I hope that this issue can be resolved quickly and amicably, without the need for legal action. Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This in regard to an unauthorized charge of amount, {$1100.00} on my Bank of America ( BoA ) Visa credit card. I, an Associate Professor of Economics, made a hotel booking for XXXX XXXX XXXX New York on XX/XX/2023, to attend an academic conference from XX/XX/XXXX to XX/XX/XXXX. I was charged twice for this booking ( see attached credit card statement ). I immediately notified BoA regarding this and they submitted a claim on my behalf. However, BoA wrongly denied the claim on XX/XX/XXXX. They mentioned that these are valid charges as I have two separate reservations. I rebutted their decision by providing them with a copy of the email booking confirmation for my single reservation and a separate email from the merchant confirming that. BoA again incorrectly denied the claim on XX/XX/XXXX. The disputed charge of {$1100.00} is back on my card. This has been an extremely stressful process for me. I am highly disappointed how BoA is handling this case. I am being continuously harassed for something that I am not responsible for. Throughout the review process, I was NEVER contacted by the BoA claims representatives. I repeatedly visited the local BoA branch physically and had a branch relationship manager follow up on the case on my behalf as I could NEVER contact the claims department over the phone ( see attached documents for details ). I stand by my claim that I have NOT authorized two reservations. I have multiple evidence ( see attached ) that clearly show I have only one reservation. I fail to understand how my claim is being denied. The charge is still on my credit card account. My payment due date is on XX/XX/XXXX. I will have to pay the charge by then to avoid accruing interest on it and getting a negative credit report. But I am NOT acknowledging the charge.

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 2023-05-10 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: NY

Complaint narrative:
Letters were sent to Experian in reference to the incomplete and inaccurate reporting on my credit of XXXX XXXX and 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 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing this complaint regarding my Hilton Honors American Express Surpass Card. I received an advertisement ( with a specific code ) in the mail to submit an application to potentially earn XXXX bonus points and a free night reward if I spent {$2000.00} in purchases in the first three months. The annual fee is {$95.00}. I applied for the card on XX/XX/XXXX and was approved the same day for {$1000.00}. I reached out to customer service on XX/XX/XXXX at XXXX XXXX  Eastern time to discuss why I received a low credit limit, how I was supposed to use it for hotel stays, and how I could acquire the advertised awards. The representative indicated I could spend a certain amount monthly, pay it off and keep repeating for XXXX months. I told him there was no way I would have applied or wasted a credit inquiry for the {$1000.00} ( - {$95.00} annual fee ) that is charged the first month of the account. I can not use this credit card to secure a hotel ( I planned to use it for a trip to XXXX XXXX ) for XXXX XXXX weekend. The purpose of the card is to acquire points at Hilton Hotels. After waiting 20 minutes for a supervisor, I was told a XXXX would call me back. It has been over XXXX hours, no call. I am disappointed in American Express as I have no issues with three other credit cards with the company. I believe this was a false advertisement to have individuals apply and pay a hefty annual fee but be unable to use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I'm negotiating a settlement through a third party XXXX XXXX. I have given them POA and all communications should be with them. Prosper has their direct phone number now since I provided it. They call over 30 times day on my cell phone which I now blocked and they are no calling me at work. I removed my work number from their records but they are still contacting me at my work place. My work place is a busy office and the receptionist has to take these calls.

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 2023-05-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Below is the issue : To : LoanCare Attn : Mortgage Resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Error Resolution Notice under 12 C.F.R 1024.35 To Whom It May Concern : We received your reply, along with the payment history payment, however, it still does not address or rectify the issue. As you noted the initial payment after we fulfilled the terms of the Modification Agreement was {$500.00} short. However, the month before on XX/XX/2019, there is a {$500.00} credit that was applied thus lowering the payment the following month of XX/XX/2019 to {$2300.00}. We were never given an explanation as to what and why this {$500.00} credit was applied. It would seem to us that for whatever reason this credit was applied and then not considered when we made the payment the following month. 
Either way the error is/was not on our part and this needs to be corrected and updated immediately to reflect our true and accurate payment history. 

They refuse to acknowledge their mistake nor explain where and what this {$500.00} credit is. When I asked for all mortgage statements for 2019 Loancare conveniently omitted the XXXX statement that could have shed some light on this. 
As a result they keep saying we are 30 days late.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration with Experian for their blatant disregard of the law and their continued inaccurate reporting of an alleged identity theft account on my consumer report. 

Despite following all the required steps outlined in your laws 15 USC 1681 C-2, Experian has failed to block the information related to the alleged identity theft account. This is preventing me and my household from accessing credit and causing severe damage to my reputation and character. This is unacceptable and can not be tolerated. 

On XX/XX/XXXX, I notified the creditor of the identity theft pursuant 15 USC 1681 S-2 ( 6 ) ( a ). I also sent notice to Experian, and they were supposed to block the information after XXXX days of notice. I provided them with an FTC identity theft report proving that the account came from identity theft. 

Consumer Law 15 USC 1681e ( b ) states that consumer reporting agencies have an obligation to maintain accuracy. Experian 's behavior is unacceptable and indicates they feel they are above the law. If the CFPB does not take action against them, they will also be liable for willful and negligent noncompliance with the FCRA. 

Experian 's willful and negligent failure to comply with the FCRA is evidenced by their failure to block the alleged identity theft account on my consumer report. It is outrageous that Experian believes they are above the law and continue to violate my rights. 

These credit bureaus have faced lawsuits for identity theft, including the following cases : The XXXX XXXX XXXX v. XXXX XXXX and Experian - Lawsuit filed in the XXXX XXXX XXXX  In XXXX, Experian faced a class-action lawsuit for allegedly selling consumer data to identity thieves. 
As the gatekeeper, it is your responsibility to hold these consumer agencies accountable and ensure they are abiding by the law. I am demanding that the identity theft account be immediately blocked and deleted from my consumer report and that Experian be held accountable for their continued violations. 

I demand that the CFPB takes immediate action and holds Experian accountable for their negligence and willful violation of the FCRA. It is your duty as the governing body to ensure that they are abiding by the law and that my rights are being protected. Failure to comply with my demands will result in legal action being taken against Experian and the CFPB. 

It is imperative that you understand the gravity of the situation. Failure on the part of the CFPB to exercise its authority over Experian would be a willful and negligent violation, and they will be held accountable. Thank you for your prompt attention to this matter.

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 2023-05-10 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: IA

Complaint narrative:
Dear PayPal Customer Support Team, I am writing this complaint to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake, as I have not violated any of PayPal 's policies. 

I understand that PayPal has strict policies in place to ensure the safety and security of its users. However, I have always used my account in accordance with these policies and have never engaged in any fraudulent or suspicious activities. Therefore, I am confident that there has been a misunderstanding, and my account has been limited in error. 

I would like to kindly request that PayPal re-investigates my case and restores my account if possible. I am willing to provide any additional information or documentation that may assist in this process. 

I rely on my PayPal account for various personal and business transactions, and its permanent limitation has caused significant inconvenience and distress. Therefore, I respectfully ask that this matter be addressed with urgency. 

For your reference, the email address associated with my PayPal account is XXXX. 

Thank you for your attention to this matter, and I look forward to a positive resolution soon. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : Social Security XXXX I have recently been informed that there is negative information reported by Bankruptcy in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see three entry listings of Dismissed Bankruptcy as follows XXXX XXXX XXXX bankruptcy dismissed, account number : XXXX XXXX XXXX XXXX bankruptcy dismissed, account number : XXXX ; and XXXX XXXX bankruptcy filing, account number : XXXX. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Bankruptcy and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Further, I DO NOT CONSENT to any automatic verification procedures and/or processes that your agency may use. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Attorney General 's Office 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 explanation
Consumer complaint received 2023-05-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo kept charging me overdraft fees and continued to let the card be used. I told them the account was closed There was no money left yet they kept allowing it to be used and charged a ton of overdraft fees. I complained a lot but they didnt do anything

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 2023-05-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
The XXXX XXXX XXXX XXXX and XXXX violated FDCPA rules 1692g and 1692e. They are attempting to enforce a debt that expired years ago by consenting to resume enforcement on a fraudulent claim. They provided false information as to whom they are representing. The Foreclosure Abuse Prevention Act signed XX/XX/XXXX was made effective immediately in all pending actions where Judgment of Foreclosure and Sale has not been enforced. Pursuant to the new amendment in law CPLR 205-a this creditor can not lawfully proceed with collection on this debt but chooses to do so anyway. Additionally his client is an assignee and this creditor failed to comply with the Certificate of Merit to confirm this debt is valid. This action started in XXXX and dismissed in XXXX pursuant to CPLR 3216 - Failure to Prosecute. They refused to comply with the XXXX of XXXX. I can no longer trust the courts. They allowed a Shadow Docket Case by the XXXX firm to be restored and when I tried to appeal the paperwork went missing on that entire motion. Please read the rest of my statement as attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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. 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 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 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 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 2023-05-10 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: TX

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 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 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 2023-05-10 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 have attached the necessary documents to support my claim, I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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