vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 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: FL

Complaint narrative:
Dear CFPB - Im at a loss with Capital One and their lack of customer service assessing an issue we had with a locked card and now closed account due to inactivity. This all started back in XX/XX/2020 with a fraud alert / identity alert generated by Captial one. There was never any fraud, identity theft or charges not paid. They wanted me to prove who I was before they would unlock the card. They asked for a copy my drivers license to to be faxed into their office for that proof. We did this countless times over the course of several months to no avail. Ive called many times and have been told they will look into it. No one will call me back and every time I call I get the same answer. Its mind blowing! I have excellent credit and card has always been paid on time. We have paid the annual fees and generally carried no balance. I have called several times to find out what exactly is the issue with them not responding or unlocking the account. The answer is the account was closed due to inactivity. Really??? How can that be when I couldnt use the card? We did what they asked and its gotten us nowhere. No one will help me get to the bottom of this and seems no one has any skill set to rectify the situation. How can a credit card company be so ignorant to basic reasoning or customer service? I have been a loyal customer without issue and accumulated over 200k miles with this card. To add injury to insult, these miles are unavailable to me since they closed my account. Im hoping you can help me get someone to hear the complaint and rectify the problem. Thank you in advance, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MI

Complaint narrative:
I have a FHA mortgage with said company. The loan is escrowed for taxes and insurance. Annual insurance was due XX/XX/XXXX. The insurance was not paid and I was not informed until I received a notice to cancel from my insurance. I immediately called my insurance company to find out if they had not sent bill to bank. They informed me they had sent them 3 requests for payment with no response. I then called the mortgage company who had no idea why it hadn't been paid. The woman put me on hold and came back moments later saying she called and did a payment and had our late fee waived. At this point I thought we were all taken care of. Then I recieved a letter dated XX/XX/XXXX from the mortgage company stating I failed to keep insurance on the property and due to insurance cancelation they had placed forced insurance on our property until we obtain proof of insurance. I immediately called the insurance company again. They stated that the payment from the bank never came through. I called the bank back once again and was told that they refused to pay the premium out of our escrow. They mentioned something about our house being under construction so they would not pay the policy. I then asked them how that is possible considering that we moved back into our home XX/XX/XXXXXXXX  and they had their evidence of completion and had released the final insurance claim funds to the contractor which confirmed that the home was completed. Either way under construction or completed you still have to have insurance on the property. She said there was nothing she could do about it that we would have to get insurance again. I spoke to my insurance agency again and they informed me that they could not re-instate our policy nor could they find a insurance company that would write us a policy due to the recent fire claim and a canceled nonpayment policy. Now we can not find any insurance company to cover us leaving in a horrible situation. Here 's the " this doesn't make sense '' part. 
Our home burnt down XXXX XXXX. They paid the premium for insurance in XXXX XXXX  ( with no home on property ), but then refused to pay XX/XX/XXXXXXXX  premium that actually had a home ( a brand new home ) on the property.

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 2021-01-22 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: SC

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-22 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. Please block, remove or delete this information pursuant to section FCRA 611.

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 2021-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX has been using The CCS Companies to try and collect an invalid debt of {$180.00}. They claim I had a XXXX XXXX  done on XX/XX/2018. I was informed by the provider that the XXXX XXXX being done that day was being done by an on-site lab as I had denied consent for off site lab services such as XXXX due to unpredictable cost and inability to pay. XXXX says I must take it up with the doctors office that ordered the test, however they gave me a badly butchered variant of the doctors name that the office didnt recognize at first contact. After finally getting the right info from the doctors office they informed me of other tests run that day which I did not consent to either. They acknowledged my lack of consent and have offered to open an internal investigation, which I do not accept as I do not trust any entity to investigate themselves. I have filed complaint with the state medical licensing board as a result of this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I got my unemployment pay on a US Bank Relia Card debit card from Texas Workforce Commission and set up my online access to the card and about two weeks after getting the card set up I was going to buy a truculent with the funds, well I go to the ATM to withdraw the money and the ATM told me wrong Pin Code so I tried again same thing wrong pin so I grab my phone at the ATM try to log into the app for US Bank Relia Card and the app tells me wrong Username and password so I knew my account had been hacked because I did not change my username or password do I called US Bank Relia Card standing rite there at the ATM had them lock my account rite then they started asking me about some transactions and I told them the transactions that wasnt mine and we proceeded with the dispute well they send me the dispute papers for me to sign and return I got them about 10 days later I signed them and returned them while calling Relia Card almost Daily Collecting Information and they tell me the transactions the dates and type of transactions and tell me a email address to the person who did this and even proceed to tell me how whoever has put in an address change and I tell them that isnt me I did not put in for a address change so they have me send my Id to be verified so I sent the Id numerous times bc they would claim they did not get it or I was given the wrong fax number even by a supervisor so this hold on my card started XXXX XXXX and as of today XX/XX/2021 my card is still locked due to my card having more money taken from it again the first time it was two transactions for XXXX each totaling XXXX dollars the second time it was XXXX transactions totaling XXXX dollars for a grand total of XXXX XXXX XXXX XXXX XXXX Dollars and just to be told again they did not see any foul play in my account when I was on the phone with a representative from US Bank Relia Card on XXXX XXXX and he was the one told me that money was being removed from my account rite now while we was on the phone but yet they tell me they did not see any foul play in my account I believe this US Bank Relia Card should be Responsible for replacing all of my money that was done by bank transfer because if you trace the bank accounts you will come to find out that is not me and I feel that Relia Card did not do any investigation at all in my case do they do not have to pay the money back so if someone can look into this further for me I would appreciate it a lot.

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 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Involved with a scam FTC report numberXXXX, Initiated a payment to XXXX XXXX - quick pay with XXXX XXXX Chase would not even file a case # - said too bad, you paid them your fault, I have never heard of anything like that Couldn't they have flagged it so I would have had to think about it for even an Hour. 

Amazon called said my account was hacked by unauthorized people in Ohio and XXXX so they walked me through the pages on amazon site to help me understand security They needed me to pay XXXX XXXX XXXX so they could initiate the refund - I recieved to email confirmations from them XXXX I know I was scammed and I feel XXXX Showing my age I'm XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have federal student loans with XXXX. I never had a late payments. My student loans went into deferment. There should be no late payments on my student loans if my monthly payment is XXXX. This is a big discrepancy for me it's hurting my quest for getting funding. I just want the late payments to be removed from trans Union and 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 2021-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
A XXXX  prepaid card account was opened in my name without my permission or authorization. The physical card was delivered by XXXX on XX/XX/21. I called XXXX on XX/XX/21 at approximately XXXX EST, and spoke with representative named " XXXX ''. I informed XXXX that I did not open a XXXX account and that the card was likely an attempt at fraud and identity theft. I asked XXXX to ensure the account was not activated and to investigate the facts and circumstances of how the account was opened. XXXX provided a case number ( XXXX ) and advised me to call back in 24 to 48 hours for more information. 

I called XXXX on XX/XX/21 at approximately XXXX EST and spoke with a representative named " XXXX ''. She advised me that the facts and circumstances around the opening of this account were " in review '' by their " back office '' and could not provide any additional information. She suggested I call back in 24 to 48 hours.

I need to understand how this account was opened and what information was used to determine if I am the potential victim of an identity theft attempt or other fraud. 

XXXX is unable to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Franklin Credit Management Corporation
State: GA

Complaint narrative:
I have lived in my home for several years. I initially had XXXX mortgages ( $ XXXX and $ XXXX XXXX but they were ultimately combined to XXXX lender, as a part of the nationwide foreclosure fraud finding matter. My mortgage was modified and I have paid XXXX note for over XXXX years to XXXX lender. In the last year, I started receiving notices from different lenders advising that I was behind on the $ XXXX mortgage. Ultimately those lenders morphed into XXXX XXXX XXXX XXXX XXXX, as Certificate Trustee on Behalf of Bosco Credit XXXX. When I advised that I knew that there was only XXXX mortgage because it had previously been combined by XXXX, they could offer nothing to support otherwise. I confirmed the same with XXXX, where a supervisor advised that the loans were combined. They still however took me to court where I appeared pro XXXX and a XXXX XXXX Georgia XXXX XXXX awarded them by home, I have appealed. The court never allowed me to present evidence from XXXX that would have supported my assertion. But I have researched them and this appears to be their modus operandi all over the country, swooping in claiming that homeowners have defaulted on loans that were modified and they have done nothing to collect on said loans or contact the consumers for many years. It appears to be the second wave of unscrupulous and predatory mortgage lending and collection practices. I suspect that XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX XXXX Bosco Credit XXXX bought the paper for my mortgage from a seller who no longer owned it. I am scheduled to go to court on Tuesday to determine the rent I will pay for my home. I need help ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have federal student loans with XXXX. I never had a late payments. My student loans went into deferment. There should be no late payments on my student loans if my monthly payment is XXXX. This is a big discrepancy for me it's hurting my quest for getting funding. I just want the late payments to be removed from XXXX XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: LA

Complaint narrative:
Upon pulling my credit report, I noticed that The XXXX XXXX XXXX XXXX reported two accounts in the amount of XXXX} and XXXX. I asked them for proof of verification and to remove the account for inaccuracies, but I did not get either request fulfilled. These are the inaccuracies that I reported : -The payment history from my Equifax report shows that I was on time in XX/XX/XXXX, but 120 days late a month later in XXXX. That is logically and statistically impossible. 

-My TransUnion report is incomplete and they have completely removed the payment history instead of removing the account as requested. 

- My XXXX report is inaccurate and the data doesn't have the same information as XXXX. 

-On the XXXX XXXX XXXX  website it states that a payment was made in XXXX of XXXX, but I never paid anything to them or knew anything about this account until I pulled my credit report in XXXX of XXXX. 

They state that the student loan was assigned to them by XXXX but the data from XXXX showed late payments in XXXX while The XXXX XXXX XXXX XXXX states everything was on time that year on my XXXX report. How is this even possible or allowed to come back as being verified if their information doesn't match the original creditor, XXXX?! 

This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.

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 2021-01-22 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: LA

Complaint narrative:
Upon pulling my credit report, I noticed that The US Department of Education reported two accounts in the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies, but I did not get either request fulfilled. These are the inaccuracies that I reported : -The payment history from my Equifax report shows that I was on time in XX/XX/XXXX, but 120 days late a month later in XXXX. That is logically and statistically impossible. 

-My XXXX report is incomplete and they have completely removed the payment history instead of removing the account as requested. 

- My XXXX  report is inaccurate and the data doesn't have the same information as Equifax. 

-On the Department of Edu website it states that a payment was made in XXXX of XXXX, but I never paid anything to them or knew anything about this account until I pulled my credit report in XXXX of XXXX. 

They state that the student loan was assigned to them by XXXX but the data from XXXX showed late payments in XXXX while The US Department of Education states everything was on time that year on my Equifax report. How is this even possible or allowed to come back as being verified if their information doesn't match the original creditor, XXXX?! 

This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
On XX/XX/XXXX, I called fedloan servicing and spoke to the customer service rep ID # : XXXX to review the number of my qualified payments when I realized the number reported was incorrect. The customer service rep told me it would be fixed right away and to give them sometime. 

I waited for 8 months and called again on XX/XX/XXXX with the same concern, I was told it would be expedited and the error will be fixed. 

I called again on XX/XX/XXXX with the same complaint and the customer rep told me it'll take sometime and can't give me a time line even though it's already been a year since my first phone call. This is unacceptable. She told me even if I called back in a month or 6 months, there was no guarantee the error would have been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Letters sent in regards to inaccurate information with XXXX, XXXX, Transunion. Letter sent XX/XX/XXXX & XX/XX/XXXX. 

Also updated address and ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ 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 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom it may concern I am starting a new job and I recently had a security check on my background and addresses found out that the are inaccurate addresses that I never lived at on my credit report. My name is XXXX XXXX DOB XXXX, SS XXXX. My current and only address is XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX. 
Please delete the following addressses they are not mine never lived there : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated
State: VA

Complaint narrative:
On XX/XX/XXXX my bank account with XXXX was compromised and there was 5 unauthorized charges placed on my account from another state. I called right away and changed my card. I also filed a fraud report with the bank. I have not heard back from them and when I call they do not give any update information. I provided everything they requested but the bank does not seem to have a process I place that can help. The five transactions were XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX. All of these transactions happened in Ohio while I live and was in Virginia.

Company response to consumer: Closed with explanation