vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
I made my payment tu my USAA credit card on XX/XX/2019 They received the payment on XX/XX/2019 ( i called to verify ) However they refuse to allow me to use my card for 7 days even though my balance is paid in full. This has happened numerous times in the past. I would like to know if what they are doing is legal and if not have them fined {>= $1,000,000} for each occurence. I need to have use of my credit card and not be restricted for 7 days for no apparent reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
There was an arbitration awarded in favor of me the Defendant ( XXXX XXXX XXXX ) against the Plaintiff ( Capital One ) on XX/XX/2019. As of ; XX/XX/2019, Capital One continues to indicate that I am 30 days late on my Credit report. I have disputed with XXXX on 3 different occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) ; they instructed to me that Capital One continues to state that I owe the amount. I informed Capital One and their Lawyer 's and they continue to ignore the courts decision. File number XXXX ; please see attached. 

Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: PNC Bank N.A.
State: DE

Complaint narrative:
On XX/XX/2019, PNC reported me to collections on an account that was paid in full on XX/XX/2019. I contacted both PNC as well as the collection agency ( then ) XXXX XXXX XXXX to advise the debt was paid in full with receipt. I was promised at that time the debt would be removed with apology. Fast forward to XX/XX/2019, I received a collection notice from XXXX XXXX XXXX for {$370.00}, the same amount paid on XX/XX/2019. I again called PNC as well as the collection agency both again apologized and promised to resolve. My concerns with this is the account should have never been placed for collections at all since it was paid in full prior to PNC electing to place me into collections twice for the same account. I do not trust neither believe in the process of PNC as they have failed to resolve this matter accurately and appropriately. I am seeking assistance and guidance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
My loan was sold/transferred to Rushmore Loan Management from XXXX. 

Since the loan was transferred Rushmore has inflated the owned amount in the loan, have refused to provide payment history and illegal added bogus and unfound escrow amount without any proof or documentation, they simply send letters that all of the sudden I owed them {$5200.00} without any explanations and increased my monthly payments. 
In addition, Rushmore purchased Hazzard insurance on my behalf, even though the proof of insurance was provided by FAX, email, and imcovered.com/rushmore as instructed on their letter. It seems that the only goal of this shark company is to push bogus higher fees, inflate the payments with no real proof and force homeowners into foreclosure, this company is nothing but a bully fraudster harassing homeowners. 
Please note that my agreed payment is made on time every month, however, I'm refusing to pay the additional amounts Rushmore adds every few months out of thin air.

Rushmore is refusing me to take ownership of the escrow account because this is the only way they can add bogus fees. I keep asking to have ownership and paying my own taxes, but Rushmore has refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The debt collection agency that I'm dealing with is Midland Credit Management ( Midland Funding LLC ). The company has first attempted to contact me on XX/XX/2019 at XXXX and I accepted the call, but got no response from the other end. Since then, I have been receiving up to three calls a day or every other day over the period of four weeks. Sometimes they spam my phone with the same number, other times the company will use a different number. 

On XX/XX/2019 at XXXX, I mailed a debt validation letter to Midland Credit Management instructing them to inform me of the debt that I supposedly owe them and the same debt they are calling me about. I also clarified in the letter that I am not to receive any more phone calls from them and that communication would only be done through traditional mailing. The only response I have gotten is more phone calls from the company spamming my phone and total disregard of my debt validation letter. 

To this day, I still have not received any mail from them pertaining to what debt I owe them, my account information for their website to see the debt to make payments on ( account number, login information, etc. ) or where they have purchased the debt from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZenResolve, LLC
State: ID

Complaint narrative:
I received a letter in the US Postal mail on Friday, XXXX/XXXX/XXXX, from Zen Resolve stating that XXXX XXXX had placed my account with them for collection. The Zen Resolve statement shows that Zen Resolve started the collection process with XXXX XXXX on XX/XX/XXXX with a principal balance of {$1100.00}, interest of {$670.00}, fees of {$60.00} and a total amount due of {$1800.00}. I attempted to call XXXX XXXX and Zen Resolve, but it was after business hours. 

On Monday, XX/XX/XXXX, I called XXXX XXXX and they told me that they couldn't give me any information about the loan because it had already been sent to a 3rd party for collection. 

I also called Zen Resolve on XX/XX/XXXX and spoke to two employees, XXXX and XXXX, who informed me that they would have their manager, XXXX XXXX, send me the original loan documents corresponding to the Amplify Loan in my name. 

The documents were received on XX/XX/XXXX at XXXX XXXX via email from XXXX XXXX at Zen Resolve. After reviewing the loan documents, it was clear that this was not a loan I had ever applied for and I had been a victim of identity fraud. 

I sent an email back to Zen Resolve on XX/XX/XXXX at XXXXXXXX XXXX  stating the following : This XXXX loan by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the information attached is fraudulent. XXXX XXXX did not sign these documents, does not have this loan ( # XXXX ) and the bank account information is not his account. The name of the bank XXXX XXXX and the routing/account numbers ( XXXX are not accounts he has or has ever had. The email XXXX is invalid and not an email XXXX XXXX has or ever had. The phone number XXXX XXXX XXXX XXXX is not a valid phone number. 

We would like to file a dispute and have been informed by XXXX that we need to file a police report. We will do that shortly. What paperwork or information do you need to receive to for the dispute resolution? 

Please advise. 
XXXX At XXXX XXXX on XX/XX/XXXX, I received an email from Zen Resolve stating that we take fraud/identity theft seriously and requested that I fill out their FTC Identity Theft Affidavit, have it notarized and returned to them. 

I am currently in the process of completing the documents. So, far Zen Resolve has been responsive, but has asked me to include my FTC complaint report about XXXX XXXX with their packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My mortgage is with Chase. My payments were being made by XXXX XXXX XXXX paying early each month. XXXX was the provider of XXXX to Chase. Evidently, XXXX was sold to XXXX. On XX/XX/2019, XXXX transferred the files and told XXXX that Chase said I was bankrupt and to terminate the processes. XXXX did and did not pay Chase any longer. I have received no communication from anyone on this. I was going to open a checking account at Chase today and noticed that my mortgage had not been paid. I called and they said that XXXX will not pay them and have terminated me to bankruptcy, which I am not in since the mortgage holder would know. After much pain, I was able to get a mortgage verification letter sent to XXXX so they can restart my payments. However, I had to make a complete payment, pay late fees, and have now late payments that will be on my credit file and payment history. 

XXXX was negligent with the files transfer and XXXX was also negligent by not actually reading the date of the data and contacting the mortgage company to verify the sack of errant files that were delivered. 

What can be done? I have now marks on my credit report and had to pay fees for something that was done to me. No one will give me the records although they are about me and my finances. I thought that I am entitled to all records about myself. 

I am beyond upset and should have something done to remove the late payment recorded on me to the credit bureaus and filed to remove when a manual mortgage is run. XXXX must have been really evil and XXXX doesn't really read what they are given or even contact the person. XXXX did not let me know they were changing services. 

I can provide only the mortgage verification from Chase as the rest of the businesses refuse to provide written or electronic data. They say that they only the computers transferred the files and were processed. Evidently, XXXX did not use a human review process to read, only accept checked fields of bad records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/19, I chatted with a Capital One agent about a special promotion theyre running for existing Money Market Account holder. The promotion was to get a {$450.00} bonus when you deposit {$50000.00} or more into your 360 Money Market account from another bank by XX/XX/19. The requirement was to keep that amount until XX/XX/19 and the bonus will be paid out XX/XX/19. The agent assured me that I was eligible for the bonus as long as I met the funding requirement and kept the balance. 

On XX/XX/19, I deposited {$50000.00} to the account and maintained the balance ( to present ). 

On XX/XX/19, I chatted with another agent to ask about the bonus and the agent assured me that the bonus will be paid out the following Monday, XX/XX/19. 

On XX/XX/19, I chatted with a different agent since the bonus did not appear in my account. The agent said I wasn't eligible and denied the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a checking account with no checks, only a debit card. I am a young consumer. I was making purchases on XXXX, and my purchases went thru. I had NO IDEA that BMO would pay out on purchases, overdraw my account and charge me almost 200.00 in overdraft fees. 

This is highway robbery. First and foremost, purchases done on a debit card should NEVER be allowed. They should be stopped and indicated no funds. On top of that, by the time I am informed of this, they charge daily late fees and subtracted almost 200.00 in fees. 

I tried to resolve this issue at the XXXX XXXX/XXXX   location. My account now has a block on it so this problem will never occur on purchases. This should have been set up this way from the get go, and not overdraw and steal money from consumers who make a mistake. 

I was told that NO FEES can be reversed. This is not appropriate customer service, especially due to the fact I did not overdraw by using checks. These purchases should of been blocked and not paid out. 

I would like to have these fees reversed. I am a young person, and I am suffering financially due to 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 monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am owed {$160.00} from my account. When I contacted the company, I was told I need to provide a host of PII. I was told the information was encrypted but not given any other details. I asked if the company was FDIC insured and was told they didn't know and there was no supervisor, manager or security officer I could speak with to allay my fears. When I asked to close my account and withdraw the funds, I was told to submit the following information : 1. Photo ID, 2. Bank or credit card statement 3. Confirm my identity 4. Provide a proof of fulfillment of the transaction or explanation 5. Provide a purchase receipt from supplier or explanation 6. Provide information on account 's activity describing what the payment was for. The company already has my SSN and issues 1099s. Other than collecting this information for  marketing purposes for financial gain, I don't feel comfortable submitting this information online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: National Enterprise Systems, Inc.
State: DE

Complaint narrative:
On XX/XX/2019, XXXX reported me to collections on an account that was paid in full on XX/XX/2019. I contacted both XXXX as well as the collection agency ( then ) XXXX XXXX XXXX to advise the debt was paid in full with receipt. I was promised at that time the debt would be removed with apology. Fast forward to XX/XX/2019, I received a collection notice from National Enterprise Systems for {$370.00}, the same amount paid on XX/XX/2019. I again called XXXX as well as the collection agency both again apologized and promised to resolve. My concerns with this is the account should have never been placed for collections at all since it was paid in full prior to XXXX electing to place me into collections twice for the same account. I do not trust neither believe in the process of XXXX as they have failed to resolve this matter accurately and appropriately. I am seeking assistance and guidance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: CCS Financial Services, Inc.
State: DE

Complaint narrative:
On XX/XX/2019, XXXX reported me to collections on an account that was paid in full on XX/XX/2019. I contacted both XXXX as well as the collection agency ( then ) Credit  Collection Services to advise the debt was paid in full with receipt. I was promised at that time the debt would be removed with apology. Fast forward to XX/XX/2019, I received a collection notice from XXXX XXXX XXXX for {$370.00}, the same amount paid on XX/XX/2019. I again called XXXX as well as the collection agency both again apologized and promised to resolve. My concerns with this is the account should have never been placed for collections at all since it was paid in full prior to XXXX electing to place me into collections twice for the same account. I do not trust neither believe in the process of XXXX as they have failed to resolve this matter accurately and appropriately. I am seeking assistance and guidance in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: DISCOVER BANK
State: OH

Complaint narrative:
I have requested a copy of the signed agreement from Discover Bank. I am being sued by Discover, and need this provided please. I have not received a reply that includes the requested document.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent letters to a credit bureau. This. Credit bureau did not, send a reliable response. Personal data with. A formal letter was sent to. 

Credit bureau says not enough personal data. After sending, first last name creditor numbers in. The credit report and. A formal, letter about creditor disputes. Personal data was sent to credit bureau. Also. Theres toll free phone numbers. No one answers, until you input. In all of. Personal data in. Does not, go directly to a live person.

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 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capitol One sent me a XXXX card with a XXXX limit but when I tried to setup a online account to use and monitor the card they would not help with the setup. 
I could not jump through all the hoops they required but I was sent the card. 
When one security question was answered they concocted another and another until we reached a point of me sending my driver 's license which is outrageous. I answered all their questions but the foreigners didn't seem to understand. 
Spent hours trying to get this resolved and finally had to throw the card away and apply someplace else. Customer service was horrible and people did not speak understandable English and wasted 3 hours of my time over a 2 day period. 
They should apologize to me for issuing a card and then not allowing me to use the card after I answered all their security questions and for them not resolving the online account setup issue. Overall, these people are arrogant disrespectful and need to learn English.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a call on XX/XX/2019 stating lawsuit would be filed against me in XXXX County for debt, and attempting to defraud a financial institution. 

They also called my father on XX/XX/2019. 

I called back number XXXX where I was told they would need to speak to " in house counsel '' to see if I could have a " deferred lawsuit '' since I am out of work on short term XXXX. They arranged payments of {$160.00} to pay off the almost {$700.00} owed. 

I did not research until after speaking to them and providing my debit card info that this was likely a scam or illegal for them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I just noticed unauthorized inquires reporting on my credit report and i tried to call the credit bureaus to dispute them and was told they can stay on my file for two years but i did not ask for my credit to get pulled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
UNKNOWN INQUIRES MADE ON MY CREDIT REPORT, I CONTACTED THE COMPANY AND THEY ARE NOT WILLING TO REMOVE THE INQUIRES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
I desperately need some help with resolving the situation st hand. I disputed these unknown accounts to the collection 's agency also the credit bureaus both are willfully of disobeying the law by currently reporting incorrect, and misleading information after several attempts, i received only verification of balances nothing was 100 % validate therefore im requesting that the CFPB enforces my rights by 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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just noticed unauthorized inquires reporting on my credit report and i tried to call the credit bureaus to dispute them and was told they can stay on my file for two years but i did not ask for my credit to get pulled.

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