vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-21 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: ID

Complaint narrative:
Hello CFBP, My name is XXXX. I have a serious issue with Venmo. On XX/XX/2021 XXXX XXXX Mountain Time {$1400.00} was sent to me from my other account using my XXXX XXXX card. 

I tried to transfer the money but it wouldn't let me so I waited till XX/XX/2021 to email a ticket notifying them to unfreeze my account. I was contacted by customer service agent named XXXX XXXX on XXXX XXXX at XXXX XXXX  Mountain Time who forwarded my ticked to someone named XXXX XXXX an Account Specialist. 

On XX/XX/2021, XXXX XXXX emailed me to send them my ID and bank statements to prove to them that the card itself was mine and under my name. I sent them my ID and bank statement around XXXX XXXX Mountain time the same day. 

On XX/XX/2021 XXXX XXXX emailed me mentioning he has permanently deactivated my account even though everything I sent to him was valid. I emailed him back around XXXX XXXX Mountain Time mentioning I could provide more info to verify that the card was mine. I even offered my own social security and birth certificate. In the email he mentioned I violated one on of their policies and didn't clearly say what policy. The communication from him was very unprofessional and not informational. In the email it mentions they would be holding my funds for 180 days which is awful when I am in desperate need for the funds. I need the funds in order to pay my bills and utilities. Holding my funds for 180 days almost sounds like tyranny in my opinion. 

I've have been trying to get a new account specialist to look at my account and trying to get it unfrozen but Venmo seems to be ignoring my tickets. I desperately need my funds in order to pay my bills and other things in my life. I have also read on the web that they are doing this to many other people who are in need as well especially in this pandemic. 

CFBP if you could please help me get this issue fixed, I am in huge need for a resolution to the unprofessional work Venmo has done to me. 

In the following documents I will provide proof of my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Purchase of {$47.00} on XX/XX/2021, using PayPal for payment. 

URL : XXXX XXXX  XXXX Seller info Transaction ID XXXX Delivered XX/XX/2021 Upon receiving the item, was clearly not as described. Appears to be a complete scam. 

Contacted seller, requested refund. Offered 50 %, then 60 % refund. Ultimately PayPal offered 100 % refund but requires " me '' to ship the goods back to XXXX, at my expense. I have no issues returning the item but not at my expense. Getting the run around. The cost of shipping to XXXX with tracking is more than the requested refund. Complete scam. 

This also seems to be a regular scam with PayPal and XXXX based merchants you should be addressing. 

For reference : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Text from the PayPal dispute provided below, case XXXX. 

Requesting a full refund. {$47.00}. The item received was not as advertised. Appears to be a complete scam. Looks like a cheap piece of plastic made and painted by a XXXX year old. 

Claims ( from the attached screenshots labeled " As Advertised XXXX '' ) " XXXX Full Metal Car Engine Assembly Kit '' Not true, single piece of plastic, no moving parts. Not an assembly kit. 

" car engine build kit is designed based on inline gasoline engine, but work with electric motor instead of gasoline '' Picture with an electric motor attached. No electric motor provided. No moving parts. 

" This four-cylinder engine is sent with kit ( 500pcs+ ) with a metal box ''. 
Not true, ONE plastic piece. Missing 499+ parts. 

" The whole process is close to the professional assembly line process. Its interesting and full of experience '' Not true, nothing to assemble. Complete garbage. 

" High Craftsmanship : The whole car engine is made of metal. With XXXX precision casting process, aluminum alloy oxidation, looks gorgeous. Ideal for gift collection. '' Not true. Not metal. 

" XXXX XXXX That Works : Working Principle - It is an electric engine, works with electric motor and 700 mah lithium battery. Under full power state, it works around 30 mins. '' Not true. No moving parts. Not electric motor. No Battery. Works for 0 minutes. 

I could keep going if needed. Please see the attached screenshots.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am a military spouse attempting to resolve the below account. I disputed the item and the debt collector immediately increases the debt balance. The balance has since decreased. It is illegal for a debt collector to increase the balance to prove a point. Please help me resolve this issue/account. 
Account info Account name MIDLAND FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$1700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: FL

Complaint narrative:
EQUIFAX and XXXX XXXX XXXX is in violation of FCRA, consumer reporting agencies are not suppose to share medical information of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Synovus Bank
State: FL

Complaint narrative:
First Progress : Stole {$500.00} from me - In an attempt to increase my credit limit which was approved more than 3 times we sent 2 different money orders ( {$300.00} plus {$500.00} ) and were given a 15 day grace period to have it there. 4 days later we received a letter stating that the funds were not received in time. No funds were returned, I later made a complaint to the XXXX XXXX XXXX and they return one of the money orders in the amount of {$300.00} then told the XXXX  that all of the funds were returned. As of XX/XX/2021 the {$500.00} money order was never returned nor credited to the account. They have sent a bill in the amount of {$370.00} stating that is the amount owed on the account. Now they threaten to close the account if we do not pay an additional {$370.00} to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have never owned a kohl 's account. I was alerted by XXXX that I had potential negative debt with this company. subsequently my identity has been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: MA

Complaint narrative:
Attempts to deposit multiple independent checks, including cashiers checks, drawn on separate banks have been refused with no explanation. 

11 deposit attempts have been rejected between XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: AZ

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$1200.00}. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$400.00}. 

ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$110.00}. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I was mailed a letter that was predate XX/XX/21 from Midland Credit Management that arrived at my house on XX/XX/21 telling me I had till XX/XX/XXXX to accept their terms on a debt from a credit card company they purchased the debt from in the amount of XXXX. All it states is that it was purchased from XXXX XXXX and I had two options offered to me to close out this debt to them. 
At no point have I agreed to or signed any contract with this alleged debtor. I am filling this complaint as I have been no validation of this alleged debt. I have not been shown proof where I have signed any agreement or contract with this company. I have not been given reasonable time to respond. I have not been given a reasonable offer. 
I am also a XXXX veteran having served during the XXXX XXXX and do not appreciate these predator tactics while people are trying to get back on their feet during COVID. I expect respect and decency from this company and also my rights to be respected and followed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I explained about hardship and loss of income. They not willing to help or reduce rates. They said even if Ill make any payment they will report to credit Bureau.

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 2021-08-21 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX office has 3 illegal child support files on my Experian credit report. All 3 are fraudulent and change amounts due to make it appear I owe over $ XXXX. This account was closed in XXXX. XXXX illegally tried to collect from the XXXX  DMV, AG and XXXX XXXX offices. All 3 declined after seeing proof on XXXX  illegally calculating the child support amount in XXXX ; retroactively charging in during a custody battle ( where I had primary physical and joint legal custody ) ; illegally changing the domicile to XXXX ; illegally not allowing a review or modification from XXXX : and also illegally re-opening my expired XXXXXXXX XXXX  drivers license for the express purpose of suspending it again, plus making 9 filings in 12 years for National Holds. Simply put, these XXXX  criminals continue to harass me and illegally violate my rights to XXXX. Even making up addresses that they put on my credit file : so other people get my mail. Every instance somewhere I never lived.

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 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently sent letters over 45 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2021-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, Capital One has charged nine cash advance fees in the amount of {$90.00} ( total ). I called the Capital One and they mentioned that they have changed the category for XXXX and started charging this fee. My son who is a teenager student uses this account as authorized user and never knew about excessive fees in using the card. For example, my son paid {$6.00} for a transaction and the capital one charged {$10.00} fee as cash advance. I requested these fees to be refunded since I was not disclosed about this before and my son has used XXXX many times prior but was never charged the cash advance fees. Actually, it is not used as any cash advance purposes. I have called and closed the account because of the deceptive practices used by the Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently sent letters over 45 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Penny Mac loan # XXXX. 

I have PMI insurance that pennymac refuses to remove. I requested a review and they stated my loan to value was not sufficient. I appealed and they asked that I have a BPO inspection done. I paid {$150.00} to have that done. The agent that completed the inspection undervalued valued my house. He reported $ XXXX but comparable homes sold for over $ XXXX in recent months. The local tax assessment has it at $ XXXX. I also proved that I spent over $ XXXX in remodeling the home. 

Either the bank is intentionally refusing to look at the real numbers or they just want my money. This has been going on for over 1 year. Fortunately this hasnt put me in financial hardship just yet but if they cant fix it, I will. 

I was laid off and have been living off savings. Pennymac is either making quick decisions or discriminating against a XXXX homeowner. I dont know what it is. With all the home values jumping 20 % they are saying my house didnt budge. My house is located in one of the best school districts in the whole state of Illinois. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: NC

Complaint narrative:
I have never had a XXXX Credit card with Comenity Bank. Please report this to there company and have this removed from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am a military spouse attempting to resolve the below account. I disputed the item and the debt collector immediately increases the debt balance. The balance has since decreased. It is illegal for a debt collector to increase the balance to prove a point. Please help me resolve this issue/account. 
Account info Account name XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$1700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/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 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did my taxes with XXXX this year I claimed the recovery rebate claim on there because I did not receive the first two payments of the Stimulus checks. On the tax return I processed the address I put was the address my cousin XXXX XXXX 's. She told me that was her address, but unfortunately it was her next door neighbors. When I did my taxes this year with XXXX XXXX, I paid them XXXX $ out of of my 3rd Stimulus for ID NOTIFY with Experian with a XXXX XXXX dollar insurance reimbursement. I have recently had my ID stolen from me, including all my online information. I placed a fraud alert on my credit profile early this year. My number is XXXX. Thank you. Have a blessed day.

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 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
i wrote to XXXX XXXX XXXX on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to. 

Please be advised that this is my 3rd written request to you and my my 3rd complaint through the CFPB and that i fully intend to pursue litigation AGAINST XXXX XXXX XXXX in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance. 

the only document i received from XXXX XXXX XXXX does not validate a debt. i have attached it to the complaint for the review of the CFPB. 

BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT. 

United States Court of Appeals, Ninth Circuit.

Linda L. CLARK ; Jerry V. Clark, Plain
tiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees.
Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant. Nos.04-35563, 04-35795.
Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant. Court of Appeals of Indiana.
March 26, 2001.

Attorney ( s ) appearing for the Case Clifford W. Shepard, Consumer Protection Law Offices, Indianapolis, IN, Attorney for Appellant.

Thomas J. Grau, Carol A. Nemeth, White & Raub, Indianapolis, IN, Attorneys for Appellee.

ATTACHED ARE COPIES OF THE LETTERS WHICH I WROTE TO XXXX XXXX XXXX I HAVE ATTACHED THE INSUFFICIENT DEBT VALIDATION THAT WAS SENT BY XXXX XXXX XXXX WILLFULLY AND I HAVE ALSO ATTACHED A COPY OF THE LETTER I WROTE TO THEM

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