vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
Case was dismissed in court. I, the plaintiff, filed against defendant, XXXX. After case was dismissed, ( attached ), XXXX retaliated by submitted a fake and false bill to wards me of {$6700.00}. There was/is no merit or validity to these made up charges and fees. XXXX had the chance in court to address any other issues and did not. In XX/XX/2018 I submitted home inspection which shows house was in complete disarray with damages. XXXX never addressed and in XX/XX/2018 then submitted a bill saying I did damages, even though documented 3 months previously it was their fault, attached. 
They then proceeded to falsify trumped up fees, which in no way did I owe in any manner, and submitted a fabricated bill to me and demanded I pay. XXXX then handed over my " bill '' toTCS THUNDERBIRD COLLECTION in XX/XX/2018. I have disputed in the past. I now wish to submit court files and dismissal and other documents to support my claims this bill is fabricated. I have more court documents, but file limit is exceeded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I reported unauthorized charge in XX/XX/XXXX, someone used my card in XXXX XXXX , chase returned my money and 45 day later closed the case in my favor. New card was shipped, but never arrived, someone use it again in XXXX in XXXX charging XXXX , I reported another case. In XXXX statement appeared XXXX XXXX  charge and in XX/XX/XXXX $ .My current balance right now over 4000 $ with credit card limit XXXX . I did not use my card in XXXX XXXX  of XXXX country. 

p.s please see all credit card statements I attached, it is very confusing, Chase keep transferring money back and fourth, and could not explain me why did the do that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have filed two credit disputes with LexisNexis in regard to a bankruptcy being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature and method of verification for this public record and all associated accounts or promptly delete. LexisNexis responded to my first request. The response letter was dated XX/XX/2020. LexisNexis stated on page 1 the following, " We are unable to process your request at this time, additional identification information required to process your request. '' a blank form to get my personal information at the same time they sent me a copy of my credit file if they didn't have my information it doesn't make sense they sent me a whole credit report file. I know for sure that LEXISNEXIS failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. I sent a letter to the US BANKRUPTCY COURT in XXXX, GA on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, a letter postmarked on XX/XX/2020. There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$810.00} XXXX XXXX {$590.00} XXXX XXXX {$790.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I got an email from PayPal saying thank you for making an online payment of {$350.00} for acct no ending inXXXX for some antivirus software, if not you call XXXX or XXXX. I called and they said someone in the XXXX was using my information and then tried to get me to let one of their techs fix my computer remotely for {$400.00} that they wouldn supposedly return if l called their fraud department. I do not hav a PayPal acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Auto failed to process multiple final payoff payments on a 60 month car loan. All payments were made online through the customer 's Chase account center and there were no issues for any of them until the last one, XX/XX/2016. After investigating with Chase, they claimed the reason ( s ) the payment attempts failed was 1 ) it was an autopayment and the loan agreement stated that the last payment can not be autopay and 2 ) all subsequent manual payments online failed to process because the customer 's bank XXXX XXXX XXXX was a virtual bank, which Chase claims they can not process payments from. This second statement is completely inaccurate since Chase Auto processed payments from this same bank both before and after the last payment on the auto loan in question. Lastly, during discussion with Chase Auto credit dispute specialist, customer was informed Chase is unable to submit a dispute on the customer 's behalf to the credit bureaus and then later on the same call the Chase Auto credit dispute specialist said that a dispute from Chase was submitted on the customer 's behalf. There were no other payments that failed to process before or after XX/XX/2016. Chase Auto credit dispute specialist also said that because the customer 's bank was a virtual bank, there was no way Chase could assume fault for the payment not processing successfully, despite no payments from this bank failing before or after.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
XXXX XXXX today received a phone call from a company called XXXX who works for ace cash express. And apparently are wanting to contact my place of employment and i told them i at work when i was called. Being told i was being sued for {$130.00} was insane. Im a XXXX vet and its hard enough to not have to deal with people like them. They wan na go to court very very pushy. The company XXXX keeps pushing for information to send paperwork employment my home. Ive gotten emails in the past about this same situation and i know that they can not tell my employer about this either. Going to court for XXXX $ is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
They reported my citi card past due 30days I have spoken with Citi they said I have an agreement to pay them and wont reported on the credit reported due to my loss of income from covid 19, citi has it already in there notes that they were aware that I had loss my income from covid and they were going to help me out, I was never ever late on any of my accounts, I called everybody on my credit cards accounts that i loss my income everyone was on the same page, and citi bank was also aware, I need it removed please, I never was late on any of my accounts I make sure my creditors knew whats going on before hand. Thank you.

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 2020-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This debt was paid in a settlement to XXXX  XXXX XXXX in XXXX of 2020 yet still reported as late and unpaid. I am only responsible for half of this debt and have a divorce decree I offered to provide documentation however was told I was still liable for the debt. I then asked if I could settle the debt since it is currently affecting my credit score. I have yet to receive anything in writing however the account was paid.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The company Portfolio recovery calls multiple times every day 7 days a week.

This is harassment and a misdemeanor in my state.

I don't even have ANY debt in collections, they are calling for someone else. 
I once told them and they said they'd take my phone number off ( that was years ago ) and the scum company continue to call me daily!! 
I want it stopped.I plan to file a complaint with the PA AG office and possibly file a civil tort too!!! 
I am a XXXX  citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
On my XXXX  Credit Report, I'm showing a vehicle load I never applied for the person. Received car and financing terms in my name and my credit report was locked at the time this was placed on my credit and I couldn't receive debt due to being in a bankruptcy that was filed. 

Company Name Consumer Portfolio Services Address : XXXX  XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX XXXX I have contacted them several times on monthly basis from XXXX XXXX present but still have not received any information from company or return phone, and paperwork on vehicle. They placed a charge off on my account and did not verify any information upon opening or closing the account. 

This needs to be removed ASAP. 

Company XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Regional : Managers reached out to XXXX, XXXX, XXXX I also have an issue with an apartment complex XXXX XXXX XXXX. I never rented an apartment from this company and I have email XXXX XXXX regional manager on  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX did not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
My Mortgage was sold to Nation Star in XXXX which is now called Mr Cooper. 
As of XXXX I paid my real estate taxes and XXXX there was no escrow on this account with this company because I paid my taxes and insurance. 
Fast forward XXXX I was paying my taxes as usual. XX/XX/XXXX I notice an increase in my mortgage of {$920.00} a month in addition to my mortgage payment. 
Called Mr. Cooper they told me that the state notify them of a lien on my taxes in XXXX. 
Went to the city of XXXX in XXXX they showed a balance of XXXX taxes of {$2600.00}. I had no idea of this balance from the city of XXXX. My problem is I have been paying the extra {$920.00} for now but I can not continue the excessive amount of escrow. I have called and spoken to the company every month since this started in XX/XX/XXXX. The reason there was a balance of $ XXXX.in XXXX was because the exemption was not given to me because of a simple oversight by the Assessment office. 
That was cleared and the exemption was approved in XXXX. Now going forward I want to pay my taxes directly to the city of XXXX instead of Mr cooper taking from me the excessive amount of {$920.00} each month.I am being treated unfairly by this mortgage company. By charging this outrageous fee I believe this company is trying to foreclose on my mortgage. And this is another way for them to put more money in their pockets by forcing the homeowners to pay extra for escrow. Your help will be greatly appreciated. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The pandemic had impacted my health and my financial situation. I have been a victim of XXXX showing symptoms and being hospitalized in XX/XX/2020. Due to being negatively impacted by this pandemic, I did not have the capacity to contact my creditors and request a forbiddance before my payment due date. When I finally recovered, I reached out to my creditors about my situation, however, Santander bank had already reported my account ending in XXXX as delinquent with the credit agencies. I have spoken and sent a letter about my situation to Santander Bank as well as XXXX, XXXX, and XXXX  about my situation, however, the dispute has yet to be resolved. As a victim of the pandemic, I have experienced financial and severe health hardship, and was unable to utilize the forbiddance program that Santander offers before my due date, as my health and well-being were the main priority in XX/XX/2020. The creditor, Santander, and all of the credit reporting agencies must remove the delinquency on my credit report promptly.

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 2020-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc
State: PA

Complaint narrative:
First of all, every call comes up as scam likely. When I get a voicemail, it's from " XXXX '' and she says she needs to speak with me about something involving collateral. I have absolutely no collateral! I checked my credit report with different credit bureaus, none of them have any record of me being linked to the company " XXXX '' claims to be from. I have never gotten an email or snail mail notice from this company. The voicemails always say a " matter '' and are NEVER detailed. I have gotten calls from legitimate debt collectors who always provide necessary detail. The cherry on top is that every single time it is a different number calling me, and the number they leave as a call back number is different too! Please leave me alone, I'm tired of the scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$810.00} XXXX XXXX {$590.00} XXXX   XXXX {$790.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}

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 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$810.00} XXXX XXXX {$590.00} XXXX   XXXX {$790.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}

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 2020-06-16 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: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY/DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I received a notice that my credit card limit had been decreased although Ive been making payments every month that ARE MORE than the minimum payment. 

They claimed it was because I have something on my credit that is delinquent. The issue is I cant see what the account is thats reporting delinquent. Im in the process of trying to figure out what the account is. 

I did not ask for this decrease and its is unfair when I have paid back this card every month. 

Yet when I asked for an increase before this Ive always been denied. 

I also thought that during Covid-19 companies were not altering credit profiles? 

How can I have them restore my credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I diaputed transactions with Bank of America about an order that I didnt recieved. I disputed XXXX {$100.00} transactions on XXXX XXXX. I was told that after 10 days if the dispute is not resolve with ten 10 days I will recieve a temporary credit while its being investigated. I was supposed to get a trmporary credit today because its been 10 days. I called bank of america they said that I wont be getting the temporary credit due different reasons that I dont get.

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 2020-06-16 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY/DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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