vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: OH

Complaint narrative:
I have recently been a victim of a Identity Theft. As a result, I filed a report with FTC, Ohio State Attorney General and other local agencies. This, unfortunately, is the 2nd time as someone filed Federal and State IRS taxes, fraudulently in my name. The Feds and State have records of this.

Well, this recent Identity Fraud involved filing Unemployment Claims in my name. This is under an active investigation. With this being said, I was instructed to pull my credit report. And to my surprise, this Company Plaza Services was reflecting with a {$2800.00} balance. 
I do not know this company or what this said, debt is from. 
When I looked them up and called them to verify and validate thisdebt, the rep REFUSED to do so. 
She said they do not have any info on this debt, such as original dates, payments, amounts owed or collected on. She couldnt give me any information as she said, they dont have to, if I wanted tosettle, I could, but she wouldnt give me any other information. 
This is reflecting on my credit report and as a victim of Identity Fraud and in compliance with Fair Debt Collections Act, I am entitled to this information. 
I want this removed from my credit and thisdebt collection company investigated for violating my rights in addition to unfair and unlawful business practices

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Company says they sent a letter of verification, they did not, and representative refused to send me a letter to verify that the debt belonged to me with proper identifying information, then told me I would be sued for the debt even though I can't verify it belongs to me. 
I disputed the debt before because they did not have the correct information according to the first representative, they claim that they do but will not allow me to see what information they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
According to the State Licensing Requirements the debt collectors that's collecting on my debt for Caine & Weiner, using address XXXX XXXX XXXX, XXXX XXXX, CA XXXX, isn't registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas XXXX for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC
State: FL

Complaint narrative:
We refinanced our mortgage with new day financial in the fall of XXXX. During the loan process we established that our escrow and are taxes would be prepaid so they could pay for our taxes. This is been going on since XXXX of XXXX I call them several times, every few weeks and get transferred to the escalations team. When I talk to them I get empty promises and lip service about when this issue will be resolved Our taxes are due at the end of XX/XX/XXXX as of today XX/XX/XXXX they have not been paid. I do not want to lose my house over their ineptitude and will be forced to pay out of pocket which means I will being twice for these taxes please help

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
Back on XX/XX/XXXX sent proof of payment using XXXX XXXX, my mortgage company was not showing me making a payment on XX/XX/XXXX. I noticed this after i checked my payment history and that payment was not showing. I would call Specialized loan servicing and file the complaint of missing payment, I sent proof of making payment with a receipt from XXXX  payment showing I had the correct account on that receipt. XXXX XXXX XXXX verified my account number was entered correctly by printing out a close d transaction statement made with XXXX  for that same day XX/XX/XXXX. I kept opening up that case for review of missing payment and SLS would keep closing due to they need more into. I sent the receipts again along with my bank statement showing the money went out of my account. Ive contacted the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by email with proof of payment each time and each time they would close my case and need more proof. In the meantime several several phone calls made to SLS to make sure they didn't close my case and yes they would close case so I would have them reopen. XXXX XXXX XXXX was able to get the right person for XXXX to find out what happened to the payment, XXXX  has sent them and now I have the letter that my payment was reject from my mortgage company due to incorrect account number or account closed. I promise you everything I have sent has the Correct Account Number on it. I can email all my proof of payment. I am trying to refinance my home and this is stopping me due to my mortgage company shows late payment for 6 months. Now i know that the payment really was not receive due to my mortgage company rejecting payment, XXXX XXXX XXXX had the money sitting in booking and that took awhile to track where the money was at. Book keeping has the letter from XXXX and the money verified sitting in XXXX XXXX XXXX account. XXXX XXXX XXXX did not notify me of rejected payment nor did my mortgage company. In fact I call the escalation desk at SLS do let them know they rejected my payment. The employee went back through account history and they do not show my payment being rejected for XX/XX/XXXX, so i was never notified by the mortgage company as well. please help me fix this, I am trying to Re fi my home and this is stopping me. 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 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Hi there, I received a voicemail from XXXX on XX/XX/XXXX at XXXX CST stating to call back on personal number. I called back and was speaking to a man who claimed to be calling on behalf of the state of Illinois on phone number XXXX where he repeated my Social Security Number full name and Mailing Address. He told me I had XXXX in Taxes Owed ( which I do not ). I told him I do not feel comfortable speaking on the phone with a company I do not know and told him I would speak with my parents and check with the IRS to confirm. The fact that he had my Social Security Number was very alarming and I looked up the phone number and everything results back to spam. I don't know what to do since they have my Social.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLIANT CREDIT UNION
State: MA

Complaint narrative:
XX/XX/2021, received late pay and interest charge from Alliant Credit Union branded credit card. I called to complain not realizing that the credit card was not part of Alliant Credit Union, and was told that they have no record of autopay being setup, but refunded my late fee and interest charge. I immediately paid the bill in full via Alliant Credit Union website and made certain autopay was setup. Now, XX/XX/2021, I received a second late fee and interest charge, and was told this would likely go on my credit report. While talking to the credit card company again, I then realized that they were not directly part of Alliant and proceeded to call Alliant directly. Alliant stated that auto pay had dropped off last XXXX for some reason and were unsure why. In addition, they had no record of me paying the XXXX bill or setting up autopay online for a second time in XXXX and unless I had a screen shot, were not willing to guarantee this would come off my credit report ( I currently have a score of XXXX ) and were not willing to refund any of the penalties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Thursday XX/XX/2021 I tried logging into my Chase Bank checking account after receiving an email stating that I recently deleted my phone for use with Chase Mobile. It then stated If you have any questions about this message or believe you have received it in error, please contact us immediately at XXXX XXXX XXXX XXXX. I gave Chase Bank a call and they said that there have been unemployment deposits into the account totaling {$25000.00} over the past year and that they are closing my account and parting ways with me. They said they could not tell my anymore than that and that I need to go into a branch to speak with them about it. They did say to bring records from unemployment as proof of the deposits. I brought those into my branch and the banker called and spoke with someone and then said that they have decided to part ways with me and that he didnt have any details as to why and that they had already closed the account so the proof of the unemployment deposits was no longer necessary. He said that within 7-10 business days they will send me a check from my balance and a letter as to why they have closed my account. I said so I dont have access to any of my money for 7-10 business days?!?! He said yes. I can not believe that they can do this for someone. Leave them without their money for that long! This cant be legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Nordstrom. The Account Opened is Nordstrom Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been double billed for a transaction at XXXX XXXX from XXXX. I explained to my credit card company that I was not there during those dates and provided the necessary proof to no avail.

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 2021-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
TD XXXX XXXX was an XXXX XXXX XXXX credit card and is still showing as open on my credit report. I had requested the account closed about 6 months ago and they even mailed me a confirmation of closing. I since discarded that notice and the card believing it was closed. I called today to TD 's retail line and they say that my info doesn't show and I should call the 3 credit bureaus to get them to close the account on my credit report. I'm not sure why this is my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/XXXX, I discovered six transactions, 3 on XX/XX/XXXX, XXXX on XX/XX/XXXX totaling {$4000.00} which were bank to bank transfers made using my US Bank Relia Card. I tried to use my card and the transactions were declined. I called the bank and was told of the fraudulent transactions. A fraud form was mailed to me. 

I tried to login to my account and was unable to login. Customer service would not let me into the account. The customer service representative read to me an email account which was associated with a Belgian service. The fraud dispute forms that were mailed to me also indicated the phony email address. I concluded that my online account was compromised along with my debit card. 

I completed and returned the fraud dispute forms on XX/XX/XXXX and filed a police report. Upon follow up, I was informed that my fraud claim was denied on XX/XX/XXXX. I have not been provided a reason why my dispute was declined. I have no other recourse than to file a complaint against US Bank Relia Card in order to receive a fair resolution of the dispute.

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 2021-02-16 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: FL

Complaint narrative:
I would like you to know that I am victim of identity theft. This is destroying me because I can not understand one thing- Why you guys do not check what you report? How that possible that I am a victim of identity theft and I need to write you and to beg you to remove wrong and somebody else items? For how long I have to wait in order to see my accounts in my report? I want to see my accounts in my credit report please I kindly ask you organize it, to check everything control your actions and to start reporting my information finally! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XXXX I spoke with a representative from Chase Bank. During the call, we discussed an optional payoff amount of {$8500.00} over the course of 12 months in equal payments of approximately {$710.00} per month. They also informed me that I could make a one-time counteroffer to settle the debt in question. I was told I had 30 days from that day ( XXXX ) to make a decision to move forward with this option. I verified the 30-day time frame before ending the call. The direct line number XXXX XXXX XXXX XXXX was provided for me to call back once I came to a decision on the option presented to me. 
XXXX XXXX MST I called back the number provided. After verifying information with XXXX, I was told Chase was not handling my account and would not accept the previously offered payment option. I inquired about the 30-day time frame given on XXXX and was told they were sorry but they could do nothing. I also spoke with XXXX his supervisor who said he also could do nothing. He explained that whether I was given accurate information or not the option given me was not viable. I asked why I was given an option to pay this debt through Chase that wasn't an actual option. After him confirming he had no power to do anything in this situation I asked to speak with his supervisor and he eventually said someone would call within 72hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC
State: NJ

Complaint narrative:
Credit control Llc called one of my relatives and provided information about a debt owed on my behalf. They called from XXXX ( XXXX XXXX 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 2021-02-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and JPMCB Card. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$38000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ralis Services Corporation
State: CA

Complaint narrative:
The mortgage with Owning Corporation has been funded, but they are calling/emailing me 2 months afterwards saying they need additional documents and rental income information, to provide an investor, which seems like a breach of confidentiality/privacy. I have not provided these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: FL

Complaint narrative:
I received the below email regarding change of email address on this account I never opened up nor have any knowledge of. I called the number and was informed the account was placed on a block order per my request. The number raised my alertness as its requesting an SSN to verify your account. I didn't provide this but none-the less was advised the account will be blocked on their end. 

Dear Netspend Cardholder, This email is to notify you that your email address XXXX was changed to XXXX today through the Netspend Web site, XXXX. 


If you have any questions or concerns about this change, please contact us immediately at XXXX. 

We appreciate your business and look forward to serving you in the future. 

Sincerely, Netspend Customer Service Team This message was sent to you because of changes, updates, or transactional activity on your Netspend Prepaid Card account. Netspend is required to send you such notifications regardless of your unsubscribe status. Please do not reply to this message. 

E-mail XXXX XXXX XXXX intended for : XXXX. You may update your profile at XXXX  : XXXX 


Netspend Corporation XXXX. XXXX XXXX XXXX, TX 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 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harpeth Financial Services, LLC
State: WI

Complaint narrative:
Apparently this is a transfer of ownership from Advance Financial. I don't know either of these companies and have never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: TN

Complaint narrative:
I have reached out to this company numerous times and I have yet to get any response from them regarding a bankruptcy they are reporting on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Management, Inc
State: TX

Complaint narrative:
According to the State Licensing Requirements the debt collectors that is collecting on my debt for Professional Credit Management, using address XXXX  XXXX  XXXX, XXXX, Ar XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I lost my position as a first-line worker due to a low census at my facility. I have a beautiful home with, with a wonderful dog. We all know its a terrible situation, and if someone can avoid me from losing our house Id appreciate it, so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have attached a RELEASE OF LIABILITY for a XXXX XXXX XXXX that was in my name with Capital One Auto Finance on XX/XX/XXXX. On XX/XX/XXXX XXXX took over the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Right before XXXX my debit card was used to make 13 charges for {$79.00} within seconds apart. I never authorized these charges and the bank gave me a provisional credit. Now they are saying after reviewing the documents that charges were authorized. Have threaed to take the money back. I have requested documents they say was used to prove it was authorised.

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