vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Ive been having issues with a new policy that apparently Capital One has instituted regarding crediting payments to my credit card I hold with them. I actually do most of my banking with Capital One which is why it is even more baffling. My habit ( which hasnt changed since Ive gotten the card - there is no new behaviors ) is to make my day to day purchases with my Capitol One Quiksilver Mastercard and pay them off as the pending charges come through- which I monitor through the app. The app is a Capitol One product which links all the accounts I hold with them together. It was a seamless process- to pay my card and to pay my car loan. In the last month Ive had to call them 2-3 times regarding issues for my accounts being flagged. No fraud was committed or reported. 
Right now I have a XXXX balance on my credit card - I actually believe that once it all clears up they will owe me XXXX dollars or so. Today I was on the phone with them to try to fix this issue- they are holding two of my payments for 26 days to guarantee the funds? How is that possible or even legal? Honestly at this point I want to zero out my account and cancel due to this new policy. The only reason I have a XXXX credit line with them is that they are holding the payments. As I had pointed out to them via the phone call, XXXX and XXXX - checks clear in 5-7 business days. I pay them directly from a Capital One account to a Capital one account yet there is some reason my funds are in question? They also claim that there is no way / or that no person has the authority to release this hold- which I find baffling. In doing this they are creating a tangle of financial problems for me- as I have to shift any accounts associated this card to other places. 
The only explanation they give me is that there is a new policy in place. 

Also its not for all payments - its Just random ones they pick and choose to flag. There have been other payments made an accepted after the first hold was placed. If there is a problem it should be with all payments not just one here or there that foul up the whole system. That problem should be able to be addressed and corrected- not just shuffled off. 
I spoke with them today on XX/XX/2020 @ XXXX am - then also contacted them via XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-10-14 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Cap One Auto sent a letter in XXXX stating autopays will stop, even though there was still a balance owed. Account closed due to terms ending. I had pushed payments to the end of the loan due to Covid-19. I was told I had 2 extra months of payments, but Cap One said it was all due immediately and reported me late after the fact. And this is during a pandemic! This is not acceptable, false and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Harvard Collections, LLC
State: NY

Complaint narrative:
There is a fraudulent collection account reporting on my credit. Despite attempts to contact the collection company ( harvard collection ) and informing them that this is NOT MY ACCOUNT, they continue to report on XXXX. Please suspend any further reporting and collections on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: MI

Complaint narrative:
I left the apartment called " XXXX XXXXXXXX XXXX  XXXX XXXX '' in about the first week of XX/XX/XXXX. The manager and I agreed upon the final bill will be sent to me via Mail once they finalize my lease break cost. As agreed I sent them my new address via email to " XXXX XXXX '' who works there and she helped me with my leasing along with a CC to the manager " XXXX XXXX ''. I have the proof of the correspondence of the email sent. The email sent to them clearly indicates my new address and requesting the final bill for settlement. Additionally, i also called the employee working there to give him my new address in case they fail to see my email. I had 2 mode of communication to give them my new address. 
The XXXX management never got back to me regarding any bills, and that made me assume that my initial deposit has taken care of the rest pending balance. 

After about 1 year on XXXX XXXX, XXXX. I get a notification of a " Collection Account '' being reported to my XXXX   credit report. I have had no formal communication with any of the Original creditors nor the Collection agency in the form of a letter mailed to me. I vaguely remember someone calling me and asking if i ever lived at " XXXX   XXXX '' for which i naturally denied as i did not know what that is. The collection agency never mentioned " XXXX XXXX XXXX '' they only referred " XXXX  XXXX '' which was not relevant to me. The collection agency only contacted me via phone to ask the balance and never sent me in mail itemized bill for it to be legit and valid. 

Neither did the original Creditor nor the collection agency gave me a single chance of negotiation to pay the balance that is been indicating on my credit report. 
Firstly, if the original creditors " XXXX XXXX XXXX '' have approached me with the bill i would have paid them without even getting any of us into so much trouble. 

I CAN NOT PAY ANYONE WHO CALLS ME FOR MONEY JUST BASED ON ANY RANDOM PHONECALL THAT I WASNT EXPECTING AT ALL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Agency of Credit Control
State: CA

Complaint narrative:
This company refuses to provide LEGAL DOCUMENTATION SHOWING MY FULL PAYMENT from 2017 is reflected in their statements and does not satisfy the bill. 

They refuse to provide this as is required by the fair credit reporting act and continue to abuse the system. 

XXXX XXXX has said this satisfies their request however the debt is not with them any longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX, XXXX XXXX  XXXX has been harassing me everyday for the past 3 weeks. They called my employer, family, friends all day ; calls are made every 5 minutes. The debt they are trying to collect was settled in XXXX. I have documentation. They threatened to sue me in court. I need help with stopping these scammers. 

I received a letter today XX/XX/XXXX, the letter is dated XX/XX/XXXX. It states I owe {$3000.00} and if I dont pay or respond within 30 days ; I will be sent to court. 

We have spoken to them several times and they dont give enough information for me to determine if they are a legitimate company.

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 2020-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Due to Covid 19 I recently obtained copies of my free credit reports and noticed accounts I did not authorized. This company has violated my privacy rights as a consumer per 15US1692B.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: GA

Complaint narrative:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
This all starts out with XXXX XXXX XXXX and their Class Action Settlement for Predatory Lending with Multiple States earlier this year, XXXX. Within this settlement, it states that XXXX agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX the debt was sold to NCB Management Services. In any normal situation, this wouldn't be a problem. But because of the terms of the Predatory Lending Settlement, this debt should have never been sold or transferred to any collection agency, or debt buyer. This is in direct violation of the terms of the settlement which is to " help repair the credit of individuals affected by their predatory lending practices. '' Now, I contacted NCB Management Services by mail to dispute the collection and included a copy of the CFPB complaint against XXXX, as well as, a copy of the Multi State Class Action Settlement against XXXX and explained why they should cease all collection efforts and delete my file because this collection violates the terms of the Settlement. The letter was mailed XX/XX/XXXX. 

I also spoke with someone from NCB Management Services over the phone a few days after the letter was mailed and informed them of the letter as well. XXXX themselves also instructed NCB Management Services to cease all collection efforts after they received my complaint from CFPB. 

I received a notification on XX/XX/XXXX that NCB Management Services has reported a collection of {$12000.00} to the credit agencies!! 

Now, for me to dispute this collection and XXXX instructing them to cease all collection efforts and activities, then to still within a couple of weeks report this account to the credit agencies is a total violation of everything I mentioned in this complaint. To ignore my dispute and XXXX XXXX request is outright wrong!! Not to mention, this account should have never been sold to NCB Management Services in the first place!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Horrible customer service. Since opening a new business account in XX/XX/2020, I didn't feel my business was appreciated or wanted. In XX/XX/2020 I deposited a check in the amount of {$12000.00} form XXXX XXXX XXXX XXXX as a Third Party creditor to my now terminated business account. On my deposited slip it stated funds would be available in 10 days. However, after that time frame I checked my account for an update and was locked out my account.Chase failed to communicate or alert me of any issue prior to me contacting them. After an additional 7days it was brought to my attention, XXXX XXXX ( XXXX ) XXXX, one of the debtors whom signed the check failed to have XXXX XXXX XXXX # XXXX ( XXXX ) XXXX, also endorse the check. I asked that chase cancel the check to have XXXX XXXX reissue a new form of payment ; they stated the check had already cleared. During the duration of me communication with all parties to have XXXX electronically endorse or authorize payment Chase terminated bout my Checking and Saving account. Chase never communicated or sent notice of any actions being brought against me. When spoke with a representative she disclosed Chase reserved the right to not do business with anyone at their discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
People 's United Bank purchased my mortgage from the originator and began servicing my loan. When I contacted People 's to create an online banking profile to make payments, I was unable to do so until after my first payment because of the process to create an account online. I again had to call when creating the online profile because the information for creating the account was neither helpful nor intuitive. When I created the account they had my phone number listed incorrectly as my employer 's HR line so I removed the phone number and attempted to correct the phone number but was not allowed to do so online. When I called to change my phone number, the representative told me that I could not change my phone number with them on the phone or through the website and would need to print and mail a form. Furthermore, I was told that I could not make payments to my loan through the online portal unless I had a checking account with them, and that there was no way to make recurring electronic payments. The process of having an online account was a pointless runaround and my servicer will not allow for recurring electronic payments, which is not only extremely inconvenient but increases the risk that payments will not be made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
A third party ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX ) fraudulently purchased my property with assistance from our Home Owners Association ( XXXX, XXXX, XXXX, XXXX XXXX  XXXX HOA ). I contacted my mortgage service company ( Rushmore Loan Management Services ) after I noticed the third party making unauthorized payments on my mortgage. I instructed Rushmore Loan Management Company to desist from accepting payments from third party purchaser pending litigation. 

Further, my loan was recently sold on XXXX XXXX by XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ) to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX DE XXXX ) After the recent sale, I requested from Rushmore Loan Management Company to change my loan account number, tied to the fraud. Changing the loan account will allow me to make payments to the XXXX XXXX XXXX XXXX. Rushmore has ignored my request to change account numbers and continue to  accept payments from third party purchaser.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
They reported my car as a charge-off and I have never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have no unpaid outstanding accounts with XXXX/XXXX and I am a current customer. 
ICSystems demanded a debt {$380.00} from an old XXXX/XXXX   acct I didnt recall. I called XXXX & paid in full for old equipment charges and they advised they would let ICsystems know in XXXX. ICsystems instead of removing the account misrepresented and are trying to collect a reduced amount of {$150.00}. 
XXXX are trying to collect a fraudulent amount of {$120.00} from XXXX whom confirm i do not owe any money from any accounts. 
It is a continual harassment and too much XXXX they are putting on me during this difficult time.

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 2020-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: NC

Complaint narrative:
To whom this may concern : Im writing to you because I noticed that my most recent credit report contains incorrect information with Nelnet where you have clearly violated the law and have put on all of my credit reports.That is completely closed I want it removed immediately it is effecting me from getting a mortgage for my family I want it off of my credit now please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
A few years ago, I want to say early 2000 's, I froze my credit with Experian after watching a new report about identity theft, and then later on, in late 2000 's, I decided to unfreeze my credit, as I realized that I couldn't do anything like get loans or credit cards with my credit frozen. I attempted several times to work with Experian to unfreeze my credit. I initially called them, and after some hassle with their automated system, I was able to speak to a person who asked that I send them proof of my identity, since I did not have the 4 digit number they claimed I had gotten when I froze my credit via their website. I sent them a copy of my ID, proof of address, SSN, and some other paperwork that was requested. They then contacted me and said they could not use the copy of my ID as it was unreadable, as it was too small. So, I then enlarged my next copy and sent it to them. They then refused to unfreeze my account as they said that they could not authorize the unfreeze as they could not prove it was me. Which I do not understand as I sent them everything they had requested several times. I no longer feel comfortable resubmitting my information again, as I do not know what they did with the other info I sent before, and it's become uncomfortable for me to keep sending them my info. when they keep telling me they can't verify my identity.

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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I notice some negative items on my credit report and sent a dispute to the 3 CRA ( transunion, XXXX, and XXXX ) on XX/XX/2020 about the inaccurate items -- most of them are items that are more than 7 years old and needs to be deleted asap, the rest are incomplete and inaccurate items that needs to be deleted as well. Neither of the CRAs has responded to me concerning the inaccurate items.

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