vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
We have just been scammed out of {$23000.00}. It was an extremely complex Phishing scam. I am a XXXX XXXX  with over 40 years dealing with PCs / Computers and a XXXX XXXX. The timing of the philshing email and the topic of the email was proper. The name and logos were exact. Everything seemed proper. Once we realized it was a scam, It seemed to me to be too coincidental for a blind phishing email. I started digging. 

On XXXX XXXX, I finally figured out how it was done. XXXX XXXX has a FEATURE that I did not even realize was present. It is an autoforward feature. 

Somehow, ( still trying to it figure out how this was done ) someone, without our knowledge, put an email address in that field. The result was that all emails sent out of my wifes email account were automatically copied to that email address. We had absolutely no idea that this was happening. It is a really big security exposure if you somehow got your email hacked and did not know that someone added that email address to the autoforward field. The name that somehow was put into the XXXX field was XXXX. We have no ideal how it got there or how long it has been monitoring our outgoing emails. 

What happened to us is that our travel agent sent us a notice that our final payment for an upcoming trip was due. We responded back to our agent asking what we needed to pay the agency. They replied ( these were all valid emails ). We got a email day or so later asking use to hold of on the payment and asking for us to acknowledge the receipt of the email. ( This was the first Phishing email ). We then receive an email telling us that there was a change in the payment method and we should use a wire transfer. ( Phlishing Email again ). Wire transfers were unusual but we though it was a reasonable request from our trusted travel agency. All emails logos, names, and the timing seemed proper. so we fell for it. 

I have filed a police report with the XXXX XXXX Police department initially before I found the XXXX email. I informed them today of the autoforward feature Also filed an FBI report since it was a major amount of money ( not just a few hundred dollars or even a few thousand dollars ). 

The wire transfer was made from our bank " XXXX XXXX '' of XXXX, MN. It was transferred to Capital One. Our bank told us they contacted Capital Oneand we were told that there was nothing they could do since was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I became a XXXX customer in XXXX. My auto insurance policy was set to expire on XX/XX/XXXX. On XXXX, I contacted insurance agent XXXX XXXX to request an updated quote so that I could ( i ) modify certain coverage limits and ( ii ) compare the quote to competitors. She sent the updated quote and I declined/cancelled on that same day. On XXXX, I received an auto-pay email notice for my cancelled policy. I then turned off the auto-pay feature in my account and received online confirmation that the feature was inactive. I also notified XXXX XXXX via email and requested further assurance that I would not be charged for an auto policy that I had cancelled. I received no response. On XXXX, XXXX emailed me an auto insurance declaration despite my cancellation. I called her to have this issue resolved, but received no response. On XX/XX/XXXX, my credit card was charged {$910.00} for the cancelled policy. I emailed XXXX XXXX to get assistance with this erroneous charge and again, received no response. 

On XX/XX/XXXX, I filed a XXXX  complaint outlining the above issue. XXXX XXXX XXXX XXXX responded to the XXXX  complaint by acknowledging that I had cancelled my policy effective XX/XX/XXXX and providing a Policy Release, which was executed XX/XX/XXXX. Despite XXXX 's acknowledgment and signed release, it recently sent my information to a collection agency, Transworld Systems Inc., in an attempt to collect funds for the very same policy that it acknowledged had been timely cancelled. 

I have attached the signed Policy Release, my XXXX  complaint, and the collection letter I received concerning the alleged debt for a cancelled policy. 

I have been attempting to rectify this issue with XXXX for several months, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On or about XX/XX/2021, I wrote a letter to XXXX, XXXX and TransUnion, requesting they investigate the overabundant unauthorized and unknown inquiries listed on my credit report. I asked this investigation be conducted in a timely manner, and to provide me with the results of the investigation, specifically the person ( s ) who initiated the credit inquiries where authorized and provide me with a copy of the authorization which they received to inquire upon my credit. I believe the numerous inquiries were of a result of a electronic breach at XXXX, XXXX and TransUnion, wherein my credit profile was compromised, I have received notification from each credit bureau that a breach did occur, and I believe as a result of this breach my credit profile was accessed causing unauthorized inquiries, in attempt to obtain credit under 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 non-monetary relief
Consumer complaint received 2022-03-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On or about XX/XX/2021, I wrote a letter to XXXX, Equifax and XXXX, requesting they investigate the overabundant unauthorized and unknown inquiries listed on my credit report. I asked this investigation be conducted in a timely manner, and to provide me with the results of the investigation, specifically the person ( s ) who initiated the credit inquiries where authorized and provide me with a copy of the authorization which they received to inquire upon my credit. I believe the numerous inquiries were of a result of a electronic breach at XXXX, Equifax and XXXX, wherein my credit profile was compromised, I have received notification from each credit bureau that a breach did occur, and I believe as a result of this breach my credit profile was accessed causing unauthorized inquiries, in attempt to obtain credit under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I closed on my mortgage with Suntrust/Truist on XX/XX/2022. My mortgage was purchased by Truist on XX/XX/2022. We already have a HELOC with Suntrust/Truist and our previous mortgage was already with them. The loan servicing department created a completely new profile for the new mortgage that we can't gain access to-FOR NO REASON. We have been to the branch multiple times for a solution and have been told it should be corrected and still have no online access to our mortgage account. Loan number : XXXX The changeover and rollout across all areas of Truist banking has been lacking and is unacceptable. My time is valuable, and I should be having to call and face multiple hours of hold times to try and get a solution to a simple problem. You call customers service and met with hold times of HOURS. We have gone through all online avenues available and still can't access our account. 
I shouldn't have to go to branch that I do no banking business with to make my mortgage payment. Truist was not ready and has no idea what they are doing during this transition. They have shut down our access to the Suntrust website where we used to make our payments but can't seem to get this right. There should be more oversight to the severe mismanagement of people 's loans and assets.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: NC

Complaint narrative:
I have hard inquiries on all three reporting agency 's about I applied for credit at XXXX and at XXXX XXXX ( XXXX XXXX  ). I disputed these inquiries with Equifax and they came back as confirmed and to be correct. I called them about the accounts and they told me if they were wrong I need to call these two places to have them send to the 3 reporting agencies the hard inquiries were not mine. I got the contact information from Equifax and called I spoke with XXXX first from XXXX at XXXX and she said she saw nothing but she transferred me to XXXX an accounts specialist and he also saw nothing using my social had ever been applied for. I was told by him since I did not have an account with a social they had nothing to report back to this agencies. Second I call XXXX XXXX which is a XXXX XXXX account first spoke with XXXX and he saw no account had ever been applied from there using my social number, he sent me to the applications department and I spoke with XXXX and she told me the same. They also said without an account with my social they could not send anything the the reporting agencies. 
To me they are inaccurately reporting information that there is no way they verified to be correct which is causing and adverse action on my reports. I am trying to correct all my reports so I cal buy a house. How can I get this fixed?.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I sold a house and paid off my loan in XX/XX/XXXX. I did not receive my {$5300.00} escrow reimbursement disbursement check issued XX/XX/XXXX. I contacted Mr Cooper customer service many time to request reissue of the disbursement check. Mr Cooper acknowledges that they owe me money, and they also identified an additional escrow reimbursement check in the amount of {$230.00} from XX/XX/XXXX that was never cashed, but they will not process the request. 

Most recently... 
- XX/XX/XXXX via email to XXXX ( no response ) - XX/XX/XXXX via phone. Rep told me they would initiate process to reissue check. 
- XX/XX/XXXX via phone. Rep again told me they would initiate process to reissue check. 
- XX/XX/XXXX via phone. Rep again told me they would initiate process to reissue check. 

I have customer services rep names, manager names and detailed notes for each of the above contacts. The customer service reps are very pleasant, and acknowledge that they owe me the above amounts, but there is absolutely no follow up after conversations. Radio silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
Someone applied for a credit card and purchased a laptop with my information and had it sent to their address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conduent Incorporated
State: MI

Complaint narrative:
XXXX employees keep telling me to call the other side and that your money is under XXXX XXXX but when i did i were denied. I have ask card service over and over to remove the wrong address that they keep sending me XXXX XXXX XXXX XXXX, XXXX XXXX and they have not. Now I am receiving texts to contact XXXX XXXX bank and card services fraud dept. email address XXXX and I did without an response. 

XXXX XXXXXXXX services please explain the text message ( AOD ) to contact you and what involvement I have with XXXX XXXX bank and what needs to be disclosed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I AM DEMANDING YOUR ARBITRITION DETAILS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
UCB ( United Collections ) is stating I still owe them {$570.00} however i payed this in full and they agreed to remove it from my credit history. I have a screenshot from my bank account showing the transaction to them. It was payed on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My dad used my social security number without my knowledge or permission to take out school loans in my name. I was informed that he has paid for my college, but as it turns out he just took loans out in my name. I was unaware of this until I learned what a credit report was earlier this year. When I asked my dad why i had over {$20000.00} taken out in my name he replied by telling me that I had nothing to worry about because everything was " paid up ''. I informed him that paid up is not the same as paid off. Combine that with I don't actually know what or where any of that loan money went to. At this time he has opened XXXX XXXX XXXX in numerous states without my permission. I don't even know how to open or get a XXXX XXXX XXXX I am being held financially hostage by my parents and they just continue to use my name and Social Security Number to sign me up for credit cards and insurances that I not only can't afford, but did not agree to be signed up for. My birth parents refuse to help me or tell me what is going on. 

When I originally filed, I was informed to file a police report. I emailed my local police, XXXX XXXX. They refused to tell me how to file a report or help me. They will not let me file a report as an officer who showed up at my house unannounced said " well we don't want to drag anybody off in handcuffs '' and if there's an emergency I should call XXXX. Since my original report I have heard complete radio silence from anyone and everything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
synchrony bank : my mother died on XX/XX/2020 she was the main cardholder.. care was there only one giving us problems.i found out that just because there was another person on the account just for ermermcy they should not be responsible for the account. they billed my mother. the other person was never concerned until now. according to the credit bureau. the bank has option which they refused to take. 1, they can write of as a bad debt. or they can take 75 percent of what the card is used. or close out the account which they refused to be reasonable. i tried several attempts to make it right, non on her family is reasonable for that debt. she did not own a home or house or have any money. i was told by the federal banks that sycnrony banks should make every effect to make it right. social security says it can take XXXX to six months to declare the person dead. the person they sent is in XXXX her delf in a deep XXXX from the mom passing and can not deal with the bad treeatment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I used PayPal credit to try to send {$5000.00} to a friend. The friend received the notification that PayPal would not release the funds, which defeats the purpose of me sending the money. PayPal refuses to return the funds to me and is charging me interest for the credit transaction, which seems fraudulent. They have also restricted my account and will not let me log in. I spent nearly two hours with multiple representatives in their Disputes and Claims and Limitations departments to no avail. This experience has caused extreme duress and health issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MO

Complaint narrative:
This is an additional complaint adding to a previous complaint : COMPLAINT ID XXXX " After reviewing my year-end statement I noticed that PNC has charged me over four thousand dollars in overdraft fees .... '' On XXXX - Spoke to a representative in regards to my complaint. At this time PNC bank has not satisfactorily resolved the issue. Went as far as not acknowledging that my first attempt of requesting help ended up in their rep stating " They can not give a refund because one was given previously ''. At this point, it is not a refund but in fact, them returning money they unrightfully took from my account. I think sincerely believe they are making every attempt to dodge this complaint and respond back in such a way that drags on. It leaves consumers no option but to obtain legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Hi, I was on a forbearance plan for 18 months period during Covid-19 with Mr. Cooper XXXX XXXX XXXX At the end of the plan, they scheduled me a trial payment which was due before XX/XX/XXXX. I made a payment of XXXX on XX/XX/XXXX. The solution that they offered was to move 18 payments to the end of my loan and pay escrow and taxes for unpaid months as separate installments for 12-24 months. For some unknown to me reason, this solution ( accepted by me ) got rejected by Mr. Cooper. I called them multiple times saying that I am ready to resume payments, but my account is not eligible to make payments. I received text messages, emails, and mails that my payments are overdue and I need to contact Mr. Cooper immediately. They keep apologizing, saying that I need to wait until the system finishes processing the request, but nothing is happening for a month. My online account displays the amount I have to pay for all 18 months of forbearance. It looks like I got caught in a mousetrap by this company. They advertised false programs to help families during Covid 19. I can not pay for 18 months of the mortgage at once. Today someone knocked on my door and handed me a mail, saying that I need to call my mortgage company as soon as I can.

Company response to consumer: Closed with explanation