vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX to ; Consumer Financial Protection Bureau, U.S.Dept of the Treasury, Comptroller of the Currency, All credit reporting agencies, Capital One credit card re ; closing of account # -- -- -- -- -- XXXX, XXXX XXXX I am writing this letter, for a couple of reasons. Mostly to find out why, after over 20 years of having an account with Capital One, they decided to close my account. Not only close my account, but doing so without any apparent reason, and without warning or notice. That left me scrambling to make sure that all my creditors who were being paid by that card, didn't get a lapse in payment. 

A few weeks prior, my bank account was compromised, and that was also quite a mess. I had to scramble and notify every facet of my life that I had, to change my bank account info. Including Capital One. My payment fell into that day that everything was locked, and my bank turned that payment away. I called as soon as I saw that issue and discussed it with them. After a few days, and the billing cleared up, I payed that, and the next amount due. 

I understand that the banking industry has an incredibly strong lobby presence, and the ruling in XXXX 0r XXXX, gave the right for the bank to close any account they want to, without warning, for any reason, any time they want, and not contact the account holder for 10 days to 2 weeks. So that may be legal, but certainly not fair or ethical. 

About 10 years ago, I had a business that went under because I couldn't keep it running due to illness. I had a huge debt that I incurred, not only to suppliers, but to credit card companies. By all rights, I should have done a bankrupcy, but I did not, because of my ethical beliefs. I kept the Caital One card through it all and have restored my credit to good levels. 

I tried to talk to someone at Caital One when we found that the account was closed, but no one would give me a chance to talk with someone, who could explain what the problem was. They said that I would be contacted by mail in 2 weeks. I was told that the office resposible for the closing of the account, didn't have a phone that is accessible to the public. That's about 2 weeks ago, and I still have not heard anything. 

The closing of this account also lowered my credit rating by about 25 points. That is something I guess I have to live with. 
Of course I'm going to pay my last bill at Capital One, even though I've lost cash back from the closing of the account, because that's what I believe is right. 

thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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:
I AM REQUESTING A RUSH INVESTIGATION INTO THIS MATTER, LOAN PENDING. 

Complaint : I need the following bureaus to remove the errrant account that has been verrified and validated to be correct when it is absolutely 100 % obviously not when all 3 bureaus report something different. 

Targets : XXXX Equifax XXXX Please reference CFPB Compaints : # : XXXX - XXXX XXXX XXXX XXXX # : XXXX - XXXX XXXX XXXX > Passed to Comptroller of Currency # : XXXX - XXXX XXXX XXXX XXXX Again Dear Bureau, All 3 CRA 's above did not follow the Fair Credit Reporting Act Section 611 in the investigation of my disputes. They didn't follow any laws. 

They recieved the dispute, it automatically got sent to the collector who automatically generated an acknowledgement letter and then automatically generated a validation letter with the most recent account statement. Those documents are mailed to the person disputing hte innacuracy and they submit verification to the Bureaus. 

The Bureaus though, are supposed to conduct their own independent investigation into disputes and if they had done that in any of the disputes in this case it would be obvious that this account continues to report inconsistently and innacurately since I started disputing the account in XXXX of 2020. 

I want to know how the 3 bureaus above were able to verify based on their investigation that my dispute was not accurate and the company was accurate when the information I submitted in my dispute is 100 % not accurate or consistent and remained that way since appearing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: FL

Complaint narrative:
I AM REQUESTING A RUSH INVESTIGATION INTO THIS MATTER, LOAN PENDING. 

Complaint : I need the following bureaus to remove the errrant account that has been verrified and validated to be correct when it is absolutely 100 % obviously not when all 3 bureaus report something different. 

Targets : XXXX XXXX Experian Please reference CFPB Compaints : # : XXXX - XXXX XXXX XXXX XXXX # : XXXX - XXXX XXXX XXXX > Passed to Comptroller of Currency # : XXXX - XXXX XXXX XXXX XXXX  Again Dear Bureau, All 3 CRA 's above did not follow the Fair Credit Reporting Act Section 611 in the investigation of my disputes. They didn't follow any laws. 

They recieved the dispute, it automatically got sent to the collector who automatically generated an acknowledgement letter and then automatically generated a validation letter with the most recent account statement. Those documents are mailed to the person disputing hte innacuracy and they submit verification to the Bureaus. 

The Bureaus though, are supposed to conduct their own independent investigation into disputes and if they had done that in any of the disputes in this case it would be obvious that this account continues to report inconsistently and innacurately since I started disputing the account in XXXX of 2020. 

I want to know how the XXXX bureaus above were able to verify based on their investigation that my dispute was not accurate and the company was accurate when the information I submitted in my dispute is 100 % not accurate or consistent and remained that way since appearing on my 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 explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I saw that Chase had an offer online for a new Chase Sapphire Credit card. This card normally has a {$95.00} annual fee. I called Chase on XX/XX/XXXX to see when I would need to pay this fee. I was told on the phone that this fee would be payable upon renewal after the first year and that I would not need to pay the {$95.00} fee for the first year. 

Given this information, I signed up for the Chase Sapphire Credit card on XX/XX/XXXX. On XX/XX/XXXX upon receipt of the card, I was immediately charged the {$95.00} annual fee. I called Chase on XX/XX/XXXX to inquire about this fee and to recall my XX/XX/XXXX conversation. I was told that I was given the wrong information and that the customer service representative that spoke to me on XX/XX/XXXX would receive additional coaching, but that the {$95.00} fee would not be waived. I was told that upon cancellation of the card there would still be an outstanding credit inquiry which would hurt my credit score since the card was approved. I cancelled the card. 

I was given incorrect information on XX/XX/XXXX which led me to sign up for this card. Then I was told that I would have to pay a fee or suffer the consequence of a reduced credit score upon cancellation. This is misleading and speaks to Chase 's unwillingness and irresponsibility to address its own mistakes. I hope something can be done about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-03 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: TX

Complaint narrative:
The inquiries on my credit report were not authorize and I do not have accounts with any of those companies

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 2021-07-03 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: TX

Complaint narrative:
The inquiries on my credit report were not authorize and I do not have accounts with any of those companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: NY

Complaint narrative:
I spoke with several Transunion representatives explaining that the inquiries that are listed are a result of my car being broken into & my information was stolen. I have attached the ID theft report they requested to have these removed.

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 2021-07-03 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: GA

Complaint narrative:
I filed a dispute with Experian to address this issue, case # XXXX and they sent me a notification claiming to have fixed it. However, they have not addressed the issue at all and more false information is present on my 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 explanation
Consumer complaint received 2021-07-03 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: CT

Complaint narrative:
I filed a dispute with experian about an account on my credit report that has already been paid off but they keep reporting it late even though it isnt late everyone has struggled with covid 19 pandemic on harsh unpredictable times .... please stop making consumers suffer for something that isnt there fault it is unfair and unjust!

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 2021-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: KS

Complaint narrative:
In XXXX of XXXX I had an agreement with Heartland ECSI and XXXX XXXX University to place my student loan in forbearance for 12 months. Instead, Heartland ECSI placed my loan in deferment for 3 months only. 

When I spoke to Heartland ECSI, they said I needed to call XXXX XXXX University. When I spoke with XXXX XXXX, they said I needed to call Heartland ECSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: AZ

Complaint narrative:
XXXX DOS : XX/XX/XXXX went to XXXX. My Medical Ins Requires I pay {$80.00} copay. Copay was paid to XXXX XXXX XXXX, however, XXXX XXXX XXXX has continued to collect and report on my CR. XXXX XXXX billed was {$570.00}. I paid 2 payments, XX/XX/XXXX & XX/XX/XXXX of {$25.00} each. Which I am due a REFUND. XXXX XXXX XXXX were included in the hospital bill submitted by XXXX XXXX XXXX claim. I pd my required {$80.00} copay. For 2.5 years I've spent hours & hours contacting my Ins. company & XXXX, even conferencing in the 2 companies with myself to resolve this issue prior to it going to collections!! I have made several disputes through XXXX XXXX, including one today, XX/XX/XXXX to resolve. It indicates to contact XXXX directly. I tried on-line today to dispute and appears I have to pay {$19.00} membership. I have previously submitted documents on-line via XXXX XXXX & XXXX. My Credit report indicates marked derogatory. XXXX XXXX owes me a refund of {$50.00} and my Credit reports need the collection removed. This happened before and took 5 years for me to get it removed from my CRs. 
Why does this happen? When you have a copay via medical insurance and are still billed for a service that was contracted and included in the copay??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
They say Im over my {$600.00} limit. Not true, its care credit for a dentist! I was under {$600.00}. Thats as much credit I had anyways. How would that even be possible?

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 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I filed a dispute with equifax about an account on my credit report that has already been paid off but they keep reporting it late even though it isnt late everyone has struggled with covid 19 pandemic on harsh unpredictable times .... please stop making consumers suffer for something that isnt there fault it is unfair and unjust!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arnold Scott Harris, P.C.
State: KS

Complaint narrative:
The State of Kansas recently referred a state tax bill to XXXX XXXX XXXX for a state tax bill. The State of Kansas did not attempt to contact me prior to referring this issue to an attorney, which has added collection fees to the debt owed. I have been making monthly payments against the debt for nearly a year. 

Additionally, the State of Kansas is charging me a {$240.00} collection fee for {$0.00} of taxes owed for the year 2018. The total taxes owed to the state ( which are in dispute ) are {$950.00}, and the collection fees total {$720.00}. This nearly doubles the amount of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I notified Target in late 2020 that this credit card was opened without my knowledge or permission and reported it as fraud but I have yet to hear back from them. My now estranged wife had used my social security number behind my back to open multiple credit cards without my permission. She is a con artist / serial defrauder and I have had to file for divorce because of this. I have severely and maliciously been defrauded by her. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. XXXX and XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX ) has recognized that I was defrauded and has deleted their entries from my credit profile. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020 in regards to this fraud. I have also found out that there are 7 other police reports that detail her as the suspect of fraud / theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03 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: TX

Complaint narrative:
The inquiries on my credit report were not authorize and I do not have accounts with any of those companies

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 2021-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
My account on Coinbase was hacked and all my fund was gone. Coinbase absolutely has 0 support. All they do is send out automated emails. Not to mention that In that email, they conveniently said they aren't responsible for the fund that was already transferred out of the account by the hacker. 
My hard earned money was gone in a matter of minutes and there is NOTHING coinbase can do about it based on their automated email. There is no way to reach a REAL person who works at coinbase. 

Nobody should be using Coinbase which has no support and such a weak protection against hackers. 
Also for some reason, Coinbase deleted all the history of crypto that was SOLD by the hacker and transferred out of the wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: IL

Complaint narrative:
On XX/XX/2021, I wrote to the credit bureaus ( XXXX XXXX, Transunion ) requesting an investigation into items that I believed were inaccurate and unverifiable. I am in disagreement with the items shown on my credit report, and I requested that these items be re-investigated. 

Since this is my third request, I will also be sending a copy of this letter ( attached below ) to the Consumer Financial Protection Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. According to 15 U.S.C. Sec. 1681i ( a ), you are supposed to complete this investigation within 30 days of receipt of this letter. 

On XX/XX/2021, I once again wrote to the credit bureaus ( XXXX XXXX, Transunion ) requesting they reinvestigate my disputes since I have not heard from them and it has been well over 30 days. I understand that they are required to notify me of their investigation results within 30 days and provide me with an updated copy of my credit report. As of XX/XX/2021, I have not received and update regarding my disputes nor an updated copy of my credit report. 

The credit bureaus are clearly in violation of 15 USC 1681i ( a ) as well as 15 USC 1681i ( 5 ).

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 2021-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I continue to receive letters from PHH Mortage XXXX stating that they don't have records of my hazard insurance coverage for home during periods of time MORE THAN A YEAR AGO and that if I do not provide proof of insurance on the home during that time, XXXX Mortgage will buy insurance on my home for periods of time between XXXX and XXXX. First, I had insurance on the home during the periods missing in their mortgage records. Second, it is not my fault that PHH Mortgage did not ask me for proof of insurance in XXXX and XXXX. Third, I believe it is unfair, unjust and illegal to charge me for an insurance policy to cover periods in the past. 

They have proof of my current insurance on the home. 

I am reporting this matter to the CFPB because I doubt that I am the only customer receiving such letters from PHH Mortgage and I believe this matter should be investigated by the proper regulatory/oversight agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
ON XX/XX/2021 I sent in a debt validation letter which wasn't answered, according 15 USC 1692g which said I can ask for debt validation. 
my information was sold to CMRE which was a medical account from XXXX XXXX XXXX XXXX 
15 USC 1692d I was being harassed by this said company CMRE to pay a debt which was reported to my consumer report which harmed my reputation with others. 
account was paid but harm was still on my consumer report from this matter. 
pursuant to 15 usc 1692h if any consumer owes multiple debts and make any single payment to any debt collector with the respect to such debt, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the Consumer directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: NY

Complaint narrative:
I explained to the Experian customer service person that I have been a victim of identity theft and my personal information has been used to attempt to get things in my name. I have not applied for anything & don't know the person who tried to fraud my name

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