vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for a Southwest Credit card based on an offer that appeared in my Southwest account. 

Here are " details '' of the offer, copied from the offer : The product is not available to either ( i ) current Cardmembers of any Southwest Rapid Rewards Credit Card, or ( ii ) previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months. This does not apply to Cardmembers of the Southwest Rapid Rewards Business Card and Employee Credit Card products. 

The last time I signed up for a credit card from Chase was XX/XX/XXXX. I waited until XX/XX/XXXX to cancel my card ( to make sure that previous bonus payment of Rapid Rewards were more than 24 months as described in details ) My card was declined, because I PREVIOUSLY had a Southwest Credit card. The letter stated that I " may be able to reinstate '', but not eligible for bonus rewards. 

I called twice today and spoke to customer service agents ( who were both nice ) ... but said the same thing : You may need to reapply in 30 days. My credit rating is over 800. I now have a declined credit card on record. I don't want to " reapply '' in 30 days to be told that I'm declined again. I asked to be transferred to someone who could answer directly if I would be approved. 

The first time I was transferred, I was disconnected immediately. The second time I was transferred, the EXTREMELY rude supervisor hung up on me ... after telling me that the call was being RECORDED. 

I tried to explain to him that I don't want to " apply '' again in 30 days if they are going to deny my application. Again, my credit rating is over 800, and that would be a second denial of credit on record. 

At that point, he said : " We don't look at your credit rating, we look at your credit history ''. 

Really??? What that translates to : You've gotten a Rapid Rewards bonus in the past, and we don't want to give it to you again. 

FINE : Then change your " details ''. 

I am CLEARLY eligible for this promotion. Both customer service agents confirmed that my last application was XX/XX/XXXX, and confirmed my card had been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: NY

Complaint narrative:
Identity theft

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 2019-11-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of fraud

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 2019-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: KY

Complaint narrative:
XXXX XXXX added a collection in XXXX of 2019. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to Jefferson Capital provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX XXXX  service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-11-11 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I currently lost my debit card. I barely use my debit card, as in the actual card. I normally use XXXX XXXX  instead of actually swiping my card. Comes to find out my card is actually missing. I wake up, getting ready for school and look at my account and its money going through my account. Im very confused so I called up the bank and told them to block my card. They told me a fake check was written in my name for XXXX so now I owe the bank XXXX. In my name. I dont wan na go to jail for somebody elses mess. I dont know what to do.

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 2019-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC Systems - Debt Collector For XXXX Hospital Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I had the right to demand that IC Systems disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. I demanded that if they did not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). What was sent back to me as " validation of the debt '' was a forged document. The " contract '' sent to me included forged initials and signature. This is illegal. I would like action taken and the debt removed from ALL 3 credit bureaus.

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 2019-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
Prestige Financial calls and texts at the same time. They should either call or text. When their call comes in, it's always from a number that isn't theirs. However, as soon as they call, a text from Prestige will appear, in the middle of them calling me. When they do text, they send some long text wanting reasons why I can't pay and to set up an arrangement. They even text me two-three days before my payment is due to set up the next payment! I'm going through XXXX right now, and I'm still working. They'll get the money when they get it. Also, they call and text my husband the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence Resource Management continues to contact me repeadly with multiple phone numbers day and night, in violation of of the Fair Federal Debt Collection Practice Act. Refuses to cease desist while repeated request for verification/proof of any docimention verifying my signature, Social Security number. An XXXX..mobile bill contract that the debt belongs to me. This account has been disputed with the credit bureaus, the credit bureaus are not verifying this debt by means of paper verification verify my signature on a contract. XXXX  will not allow me to dispute the account online, and XXXX  disregards the law pursuant to the FCRA requesting documentation that verifies there dispute by submitting me a copy of any document or contract baring my signature. A CDV ... dispute is a code sent through EOSCAR ... software, XXXX investigation is incomplete, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: AR

Complaint narrative:
This company is unknown to me. I dont have a personal, professional or financial relationship or responsibilities with them. I have never signed any documents agreeing to a financial account with them. The derogatory remarks that are being left on my credit reports are degrading and unfair. If this company has any information about me, it is unverifiable and in non valid. I want this detrimental information removed from my credit information from each of the major credit bureaus as soon possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: LEXISNEXIS
State: GA

Complaint narrative:
I'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: Innovis
State: GA

Complaint narrative:
I'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: GA

Complaint narrative:
I'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.

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 2019-11-11 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:
I'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.

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 2019-11-11 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: GA

Complaint narrative:
I'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently disputed a line item on my credit report with Experian. It was for a XXXX XXXX account and the date of first delinquency and date account would be removed. I have documentation from XXXX XXXX in response to a XXXX XXXX XXXX complaint that states the following. Date of First Delinquency is XX/XX/XXXX The Fair Credit Reporting Act allow accounts to stay on credit reports for 7 years from the Date of First Delienquency. Experian reports this account being removed on XX/XX/XXXX, one year past the allowable date. Please see all attachements from XXXX supporting my cause. Experian is the only reporting agency yet to correct this error, since the information provided does not meet their criteria. I have tried multiple times to fix this with Experian without success even though I have provided them with the attachments in this complaint directly from XXXX supporting my case. It has been a frustrating situation that needs to be resolved. 
Please note this complaint contains an attachment from XXXX with respect to CPFB complaint and resolution. The information is right there.

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 2019-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
They sent me a bill on XX/XX/19. I tried to dispute some charges and they were not willing to work with me so I quite paying them. Now it's XX/XX/19 and they call me repeatedly and misrepresent themselves as lawyers and they are filing a lawsuit with me. Now they are calling my work and harassing my co-workers to speak to me @ work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/2019, I filed a compliant against Simm Associates through CFPB because I had not received any written communication to verify the debt they claimed I owed for 5 months but was paying {$100.00} each month to them. The XXXX complaint came because even though I called 3-4 times each month from XXXX  2019-XXXX  2019, every phone conversation with a representative of Simm Associates was ineffective in obtaining clear information pertaining to my debt. The XXXX complaint was requesting that paperwork be sent outlining the account summary for my debt and providing proof that the {$100.00} payment each month was helping to reduce my debt. After the complaint a packet was sent to me but the paperwork was hard to read and did not clearly show how paying {$100.00} for 6 months helped lowered the amount I owed. 

I called Simm Associates on XX/XX/2019 after receiving the packet to get clarification on what the document was communicating. In my interaction with the representative she aggressive and dismissively informed me that my file was no longer in their facility. I asked why that was and she replied that she did not know because the file was not here. I asked how do I move forward with paying my debt off and she informed me that I should contact the original debt provider, XXXX XXXX XXXX. She informed me that her manager would contact me to provide more information because she could not. The manger never called and still has not called, today is XXXX XXXX, 2019. 

I called XXXX XXXX XXXX on XXXX XXXX, 2019 to get information about where my loan was and why it was being moved and if it can be moved back to XXXX XXXX XXXX. A representative there said that once the debt is given to a collection agency it can not be given back and that Simm Associates by law has to provide information about where my loan is being transferred to and why it is being transferred. She encouraged me to call them back. I did and they have not picked up or called me back. 

The lack of communication along with the fact they incorrectly state my name on all documentation I have receive, is the reason I am complaining. This current complaint is about not receiving any information verbally or wirtten about why my debt is being transferred somewhere and why Simm Associates is incapable of providing quality service to people who are willing to pay down debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
Professional credit service has not made any effort to contact me. I have received no letters from them. Ive not received any phone calls from them. The first I learned of this debt was from a letter I received in the mail from an attorney offering their services because a claim was filed against me. I contacted the courthouse and they provided me with the contact information for the company. 

I called the phone number provided on XX/XX/2019. This was the first time Ive spoken with this company. At this time I was asked to confirm my address, phone number, and asked if it was ok to leave a voicemail. I was informed they were trying to collect a debt in the amount of {$970.00} ... for XXXX XXXX XXXX. I was also asked employment information which I declined to provide. I asked for the information on how to obtain the paperwork filed. I was given the phone number for someone named XXXX. I left him a voicemail on XX/XX/2019 letting him know Im hardly ever in XXXX XXXX and I was trying to get the paperwork from him ( assuming it would contain proof of debt ). 

I never received a return phone call from XXXX. However he did leave the paperwork with someone at my residence on XX/XX/2019. 

I called and spoke with XXXX on XX/XX/XXXX requesting proof of the debt. Also informing her that I would have no problem agreeing to the principal balance and collection fee provided they send me proof of the debt. She stated that would not hold off their pursuit of the fees and they would still pursue the fees. I told her thats fine Ill go ahead and file my response with the courts however I would still like proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: NY

Complaint narrative:
I am a victim of fraud

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 2019-11-11 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: NY

Complaint narrative:
I am a victim of fraud

Company response to consumer: Closed with non-monetary relief