vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 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: MA

Complaint narrative:
Hi Experian, XXXX and XXXX and plus XXXX XXXX ; I'm extremely confused why there still an item on my credit report that continues to shows and report incomplete, misleading, and unverifiable data. Especially there are so many inaccuracies on the way this XXXX XXXX Account is reporting between XXXX and Experian. How come it's reporting different data and different balances. See attachments. Why XXXX saying that I owed {$1200.00}, but Experian says that it was PAID and {$0.00} balance. Something doesnt seem right. And XXXX removed it from my credit report. I need this delete today from my credit because its reporting multiple inaccuracies, incomplete, and misleading information. 

Also, why you continue to report different misspelled and variations of my names and some unknown previous or former addresses and phone numbers. I disputed these several times in the past and I've asked that you deleted them from my credit report because it's stressing me out. delete from my credit report effective today.

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 2021-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: POM Recoveries, Inc.
State: VA

Complaint narrative:
On XX/XX/2021, I received a letter from POM Recoveries about a XXXX XXXX debt stating that I need to provide information regarding his debt. On XX/XX/2021, I sent a letter specifying that POM Recoveries validate the alleged debt. On XX/XX/2021, POM Recoveries sent me a letter with a bill with two unknown signatures and an alleged statement that the Pt mother gave verbal consent. On XX/XX/2021, I responded to POM Recoveries that I never gave XXXX XXXX verbal consent. I requested that they still validate the debt and provide evidence of the verbal consent, the name and title of the unknown signature, and some sort of verbal recording since the alleged verbal consent is being contested. 
On XX/XX/2021, I received a letter from POM Recoveries requesting my insurance information. On XX/XX/2021, I informed POM Recoveries that my insurance company requested multiple occasions from XXXX XXXX to send them an itemized bill pertaining to this alleged debt due to fraudulent claims ; however, XXXX XXXX refused to provide the necessary information to validate the debt. On XX/XX/2021, I received a letter from POM Recoveries stating they contacted XXXX XXXX and they will not provide any additional information to them on this alleged debt. Also, the letter stated that the Hospital diligently recorded the date and time with their employees initial on the Consent and they have acted in good faith since the date of services. In addition, if they do not hear from them within 15 days from the date of this letter, they will resume collection action. 
On XX/XX/2021, I sent POM Recoveries a letter stated that they had not validated the alleged debt and they took this risk without doing their due diligence. In addition, I requested that they provide evidence of the alleged debt, name, and title of the unknown signatures, evidence of the alleged verbal consent, and signatories presented. I have requested that POM Recoveries validated the debt on multiple occasions, but they have been unsuccessful. I receive at least two to three letters per month regarding this matter, which is becoming quite frustrated due to their inability to validate the debt.

Your assistance is needed with this matter because POM Recoveries will not validate the debt since XX/XX/2021, but is threatening to resume collection without doing their diligence to validate the debt.

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 2021-05-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is one account on my credit report that is not mine I have never applied for anything like this or signed or used anything like this I need this removed from my credit account asap. 

XXXX XXXX - Acct # XXXX XXXX Amt {$6300.00} Date opened XX/XX/2017 2017

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 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
VENMO REQUEST NUMBER : # XXXX I allege that Venmo intentionally constructs their website to *not* close accounts in order to frustrate people so much, they will just keep their accounts open. 

As a result of a news story regarding President Biden 's Venmo account, I decided to close mine [ XXXX XXXX XXXX  ]. However, Venmo would not allow me to do so. 

I used two browsers XXXX XXXX and XXXX  ) and I could not close the account using either one. 

I would get to the stage where I was supposed to review the Venmo Statement, but the website would not allow me to do so. It just kept saying " Loading '' and did that for about a 1/2 hour on each browser. 

As stated, I believe that Venmo intentionally frustrates people to prevent them from closing their account. I was forced to take the time to contact Venmo, wait for them to contact me days later, then go back-and-forth discussing the closing, then finally got it closed. Really?! 

With today 's technology they can't even just simply close an account?! 

If they can't make this work, why should anyone trust them with money?! 

They need to do what they say will do : close the account using their website. 


FROM VENMO : XXXX https : XXXX? XXXX -- XXXX & XXXX XXXX Close Your Venmo Account : In order to close ( cancel ) your Venmo account, please follow this link from a desktop computer browser and click Close my Venmo account '' at the bottom of the page. At this time, personal Venmo accounts can only be closed from a computer, not a mobile device or in the app. 

By canceling your personal account, your business profile will be permanently deleted ( if you have one ), and Venmo can not reactivate it. You also wont be able to create a second business profile associated with your personal account. Please note, you have the ability to cancel your business profile independently of your personal account. If you wish to cancel only your business profile, youll need to contact us. 

Youll need to transfer any funds in your Venmo account to your bank account before deleting your account, or return the funds to the sender. Any funds remaining in your Venmo account at the time you close your account will not be available to you without contacting us again. 

Please note, closing your account will not automatically transfer funds to your bank or return them to the original senders. If you have any incomplete transactions when you attempt to close, you will be prompted to address those transactions before closing your account. Once your account is closed, youll still receive one final transaction history email to the email address on file with your Venmo account, in compliance with federal regulations. 

Keep in mind that youll need to be logged in to close your account. If you need to reset your password, you can use this link to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One marked me incorrectly as deceased on XX/XX/XXXX for account ending in XXXX. They also are still incorrectly reporting late payments on a credit card account ending in XXXX after 60 days of them promising they fixed it. 

I immediately called in to have it fixed, as they caused me to suddenly have NO credit score due to their incorrect reporting of being deceased. 

I received a letter stating they looked into my account and found nothing wrong on XX/XX/XXXX. This was for the wrong account after I explained in detail which account was showing the issue. 

It has now been 2 months and capital one refuses to update or notify the remaining credit bureau that I am not dead. I have called Capital One and XXXX ( which is reporting me as deceased STILL ) and both have said it is not their fault, and that the other is the culprit. 

I have now lost a total of {$2200.00} in earnest money that I put down on a house because of Capital Ones Irresponsible and unhelpful customer service. Thousands of dollars. Gone. When I call them now they just state it shows here on your account that you need to wait 90 days from XX/XX/XXXX meanwhile they initially told me multiple times they would fix it IMMEDIATELY because it is holding me back from buying a house! The resolution they are trying to feed me is 120 days of having a critically negative impact to my credit score due to Capital Ones gross negligence. 

They are abhorrent at customer service and are causing my family and I extreme grief over their mistake. They have been horrible in trying to fix it and unhelpful in any way. 

In addition to this, they were supposed to delete late payments for an account ending in XXXX for the months of XX/XX/XXXX and XX/XX/XXXX, which I received a letter for dated XX/XX/XXXX. XXXX STILL shows those late payments as being reported by capital one as recently as XX/XX/XXXX. So Capital One again is ruining my credit report with inaccurate information. 

The correct reporting from Capital One should show 0 missed payments for all three bureaus across accounts XXXX and XXXX, and should be REPORTING ME CORRECTLY AS NOT DECEASED. This is the bare minimum expected of any financial institution. How did Capital One even let this happen in the first place? 


XXXX : Fix me in your system. I am not deceased. 

XXXX : I have incorrect late payments marked in your system for my Capital One card ending in XXXX. I have tried several times now to get you to update these, even providing the same letter attached directly from Capital One stating these are not late payments and are incorrect. Update these please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MN

Complaint narrative:
Dovenmuehle Mortgage, servicer on behalf of XXXX XXXX, allows customers to sign up for bi-weekly, or bi-monthly payment services. However, both services require the consumer to pay a half-month 's payment in advance to start these services. The servicer allows consumers to start service by sending a voided check via mail or fax, along with their half payment through any means. The half payment can be collected via their online portal. However, the online portal enforces that the user can not pay for this half payment without treating it as a principal only payment. The only alternative, is to pay via telephone or by check, and incur a fee the consumer can not avoid. As a result, the consumer ( including myself ) receives a delinquency notice even though my mortgage is current, and payment has already been processed. While I realize online portals are often difficult to maintain and offer a lot of underlying services to consumers, forcing customers into situations where they do not realize how these things impact them is basically fraud. I have contacted the company, whom claims I can resume my bi-weekly payment service if and only if I make two more in-full payments, and can not avoid my late payment fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2021, I contacted Experian to dispute a fraudulent charge off account with XXXX XXXX XXXX. I never had an unsecured loan with that bank. I was told that I couldn't dispute the account nor could I remove the fraudulent address associated with the account. A letter was sent to the actual creditor and they had no contract of an unsecured loan with my name and SSN. I noticed on my credit report that the account went from {$18000.00} to {$13000.00} within a couple of days from talking to Experian. On XX/XX/2021, I got an alert from Experian saying that the account was completely paid off. I never made a payment. I called Experian on XX/XX/2021, and asked to dispute the account. I was told that the account can't be disputed ever again. I asked why and was told by XXXX ( rep for Experian Special Services ) that the account had been blocked for fraud previously but XXXX XXXX XXXX sent Experian documentation of a loan in my name and SSN. I asked why Experian has never sent me this documentation and was told that I have to contact the creditor because it's not Experian job to send documentation that validates a debt.

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 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I called the fraud department in XXXX once I noticed the XXXX dollars i deposited was so low i knew something weird was going on. Not only that this money came from my father that passed away XXXX its something I wouldn't of blew thru. I spoke with a lady named XXXX in fraud claim in XXXX also but she turned me down on the help I needed because I didn't have the transactions to depute besides saying this wasn't me. I went into the bank a few time made police reports been and still homeless due to this transactions aren't accurate they denied 2 appointments I made they moved my money without permission or notice then lied saying no they didn't. All I want is the proof besides the fake listing of inaccurate transactions that's not showing me accurate name nor amounts on a few transactions I'm the costumer why not give me what I need if everything accurate why dismiss 2 appointments why a manager lie saying we went over everything knowing I was emotional and the 1 1/2 was more of that til I was exhausted and called it a day went over a few transactions in XXXX when everything started in XXXX why XXXX XXXX didn't reach out for 2 months inside work being done they keep trying to cover up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Oregon Credit & Collections Bureau, Inc.
State: CA

Complaint narrative:
On or about XX/XX/XXXX I received a strange voicemail stating I needed to call a number regarding a court case against me. I called the number was told they were merely an answering service, and was transferred to an outside " office ''. 

A woman answered, she stated she worked for an attorney. The woman actually gave me information about myself, including my current address and place of employment. 

The woman stated this was regarding a credit card from back in XXXX with a credit line of {$300.00}, stating that payments to this card stopped within that year ; she then stated they were going to obtain a judgment against me for {$8700.00}. I informed her this has to be fraud, as I did not have a credit card in XXXX and have had many loans for cars and a home after XXXX, surely this would have been brought to my attention during any of those transactions. I asked her for proof, she became difficult to deal with, stated that they do not make appointments to " serve '' me with paperwork. I asked her then how am I to know what this is really about and be able to speak on my own behalf? The woman stated that I clearly did not want to know the information and didn't care and repeated that they would just get a judgment against me. 
I stated to her that not only was this fraud, tis happened 19 years ago, if this was valid, statute of limitations expired many years ago. 
The woman would not assist me, would not give me information to be able to obtain any paperwork so that I could fight for myself and the call was ended. 

From this point, I called the local courthouse in XXXX XXXX, I was told they had NO open cases with my name attached, and that there was a lot of fraud happening, and this fit that description as they would have to had any hearing in my local county. I then checked the Oregon court website to find if they were trying to serve me in XXXX Ca. and hold court in Oregon, which is not to be done ; I found no open court cases with my name and neither XXXX courthouse or Oregon court yielded any results for the " case number '' I was provided by the woman on the phone. No one ever came to my home, nor my place of employment to attempt service. 
Recently, Oregon Credit & Collections Bureau Inc. sent paperwork to my place of employment to attempt garnishment in the amount of {$8700.00}, stating they did not know my address and they rolled the date to XX/XX/XXXX so they can now be within statute of limitations. At o time have I ever received anything in the US mail over the last 2 decades regarding this so called debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have a Capital One Spark Business account. I have not been able to access transactions, funds, balances, statements, or anything since XX/XX/2021, ( about 3 months ). I have called and every time I call I am on hold for 45 minutes - 70+ minutes. They have requested documents from me to verify my business and I have sent them several times however they keep telling me they aren't receiving any documents. I have emailed them and faxed these documents and have proof that I have sent them. Outside of 2 out of the many people I have spoken with the customer service is cold, inconsiderate and rude. They keep giving me the run around and my business has suffered greatly. They told me several times I would be contacted back however no one has contacted me back in months. You can only imagine what type of affects on a business it will have not being able to access any funds for 3 months. This is the worst experience anyone can deal with regarding a bank. A bank that is supposed to keep your money safe for you and help handle financial services. However, the bank just takes your funds and won't let you access it for months without any clear reasoning. I requested statements and never received any. There could also be unauthorized charges on the account. However I am unable to even see or access any transactions on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TRANSUNION XXXX. XXXX XXXX XXXX, PA XXXX To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$11000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.

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 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complaint is in response to the attached letter provided by XXXX XXXX in which XXXX XXXX advanced a false claim that a corporate credit card debt is mine as the former signor for the company. 

I never signed any agreement either in ink or electronic signature stating or acknowledging that I am responsible for the corporate card debt. I challenge XXXX XXXX to provide such proof. Such proof does not exist. 

XXXX XXXX must stop this abuse in the next 15 days response required of this complaint or the complaint will be escalated by the Federal Trade Commission to investigate and concurrently letters will be submitted to Senator XXXX XXXX and Representative XXXX XXXX with oversight over financial fraud to hold XXXX XXXX accountable for consumer fraud activities by deliberately passing a business debt for personal debt.

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