vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SIMM Associates, Inc.
State: GA

Complaint narrative:
I recently received a copy of my consumer report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX  with account # XXXX with a balance of {$570.00}. 
I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Security Credit Services, LLC
State: CT

Complaint narrative:
On XX/XX/2022, starting at XXXX, I received multiple calls on my cellphone in CT from XXXX XXXX XXXX XXXX office in Georgia XXXX They are threatening to sue me on behalf of Security Credit Services. First they called me from XXXX and then multiple calls back to back from an unknown number. They were very aggressive and rude, stating they are going to keep on calling. During this same time within half an hour they even called my mother 's home phone in Maryland. 
I have disputed this debt and it was taken off of my credit report on a few of the credit reporting agencies, yet I'm still being harassed. The most upsetting part is that my mother is over XXXX XXXX XXXX and should have never been harassed being that she has never been used as a reference. They claim not to have my mailing address, which I instructed that I only do business in writing, yet they can track down my mother 's home phone number in another state that I don't even know by heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
THIS ORGANIZATION HAS COMMITTED SEVERAL FEDERAL VIOLATIONS AND IDENTITY THEFT. THIS ORGANIZATION OBTAINED MY LOCATION INFORMATION WITH OTHER NON PUBLIC PERSONAL IDENTIFICATION FALSELY WITH FALSE REPRESENTATIONS IN THE PROVIDED EXHBIT. THIS ORGANIZATION NEVER HAS MY DIRECT CONSENT TO COMMUNICATE WITH ME AND HAS COMMITTED IDENTITY THEFT PURSUANT TO FEDERAL LAW AS WELL AS INVADED MY RIGHT TO PRIVACY. PURSUANT 18 USC 241 & 242 SELIP & STYLIANAOU ARE CONSPIRING WITH XXXX XXXX AS WELL AS THE CRA 'S CAUSING INJURIES AND DAMAGES BY FURNISHING HARMFUL INFORMATION ON MY CREDIT REPORT IN ATTEMPTS TO COERCE PAYMENT OF THE ALLEGED DEBT DEPRIVING ME OF MY RIGHTS. IN ADDITION PURSUANT 15 USC 1602P SELIP IS IN VIOLATION FOR THE UNAUTHORIZED USE OF MY CREDIT CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
THIS ORGANIZATION HAS COMMITTED SEVERAL FEDERAL VIOLATIONS AND IDENTITY THEFT. THIS ORGANIZATION OBTAINED MY LOCATION INFORMATION WITH OTHER NON PUBLIC PERSONAL IDENTIFICATION FALSELY WITH FALSE REPRESENTATIONS IN THE PROVIDED EXHBIT. THIS ORGANIZATION NEVER HAS MY DIRECT CONSENT TO COMMUNICATE WITH ME AND HAS COMMITTED IDENTITY THEFT PURSUANT TO FEDERAL LAW AS WELL AS INVADED MY RIGHT TO PRIVACY. PURSUANT 18 USC 241 & 242 XXXX & XXXX ARE CONSPIRING WITH CITI BANK AS WELL AS THE CRA 'S CAUSING INJURIES AND DAMAGES BY FURNISHING HARMFUL INFORMATION ON MY CREDIT REPORT IN ATTEMPTS TO COERCE PAYMENT OF THE ALLEGED DEBT DEPRIVING ME OF MY RIGHTS. IN ADDITION PURSUANT 15 USC 1602P XXXX IS IN VIOLATION FOR THE UNAUTHORIZED USE OF MY CREDIT CARD.

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 2022-01-14 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: CA

Complaint narrative:
I notified Experian and XXXX that the creditor XXXXXXXX XXXX XXXX  listed as a collection account on my report is not mine. The collection was shown as being for an XXXX XXXX account for XX/XX/2021. I have never had an ambulance account. The only ambulance I have been in, last XXXX, was covered by XXXX. I am a military dependent. 
XXXX account number XXXX is reported as being accurate. Do I need to take this to legal action? XXXX has not responded. Experian has. When I called them yesterday, they said my option is to contact you. I am very angry!

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Experian a lot of times with mail and phone calls letting them know that my identity information had been stolen and that someone has been using my information. I also filed identity theft fraud with Experian, FTC and the police and sent all of the paperwork to Experian showing proof that i am a victim of identity theft. Experian has not removed the accounts i reported to them and proved to them of the fraud. Experian is not willing to remove the fraud accounts even with identity theft report submitted to them. Because of Experian ignoring all request that they demanded to prove identity theft from me I am unable to provide for my family. I was rejected from a job offer due to Experian not honoring their requested identity theft steps, which i sent them. I am also unable to financially support my family because of inaccurate information Experian is reporting because i can't get a job, apply for a loan are anything else thats needed to live because of Experian.

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 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was given an offer for XXXX XXXX  points if I spent XXXX $ in the first three months of account opening. We received our card and spent the pre-requisite XXXX $ but never received our promotional offer. We tried to contact Chase multiple times to resolve this issue. The first time we called was 3 months after account opening, after which we were told we would receive our promotion in a week or so. That time passed so we called again and were told the same thing. After waiting 5 months after account opening and not receiving our promotion, we called back and had chase submit a form to their marketing and promotions team to honor our offer. After a couple weeks, Chase sent us a letter saying we were never eligible for the offer which is a mistake or a lie. I told them I have a picture of the credit card promotion that was offered to me and I submitted the picture as proof. After a few weeks of reviewing the picture, Chase still denied to give me the promotion that was offered.

I have exhausted all avenues and months of time/effort in getting this resolved through the credit card company but they refuse to honor their promotional offer. I feel as if I have been the victim of a predatory loan and false advertising. I told them I will be exercising my right to withhold payment until this dispute is settled. I have attached a picture of the promotion I applied for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I entered Vystar credit union located at XXXX XXXX XXXX XXXX fl XXXX, on XX/XX/2022 at XXXX pm. I just recently started working back for a previous company XXXX XXXX XXXX which provided a check as first pay method until the following pay period. I was judged the moment I walked in based on my race. I was informed by a XXXX who refuses to provide last name but basically stated prior to even looking my account up that I could not cash my payroll check and that cashing and depositing is the same if they have reason to believe it would be a returned check even though I have been a member Atleast 10 years. The supervisor XXXX XXXX walked over rudely when I asked to speak with someone because I cant believe Im treated so unfairly. She informed me that my account had several charged off accounts which is not correct as I have had the same checking account for quite sometime now. This really hurt my feelings as a human being to be treated so poorly at my own bank. I really want to close the account out due to this issue but I also want to push this issue as no one should feel like I am feeling. There is enough XXXX  in the world, your bank should be a safe space as they hold all of your funds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Investment Retrievers, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 Investment Receivers Inc claimed that I owe them {$10000.00}. I have no clue who they are but they keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
Received this gift card for {$200.00}. Attempted to verify the balance on their website and by phone over 10 times - each time told there is an issue or to try again later. There is no further escalation option on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
On XX/XX/2021, I received an offer in the mail to sign up for the XXXX XXXX American Express card. The offer was : Earn a XXXX bonus points, a {$100.00} statement credit and 0 % APR for the first 12 months. I signed up through the XXXX XXXX app, which also had the offer available to me on XX/XX/2021. 

On my first statement from American Express I did not incur any interest charges. I did receive the XXXX bonus points and the {$100.00} statement credit but since XXXX I have now been charged with 4 separate interest charges ; XX/XX/XXXX - {$51.00}, XX/XX/XXXX - {$100.00}, XX/XX/XXXX - {$100.00} and XX/XX/XXXX - {$97.00}. 

On XX/XX/XXXX, I initiated a chat with a representative asking about the offer and an investigation was opened, I was told to follow up in 10-15 days. 
On XX/XX/XXXX, I followed up and was told that the investigation was still open and being reviewed. 
On XX/XX/XXXX, I followed up once again and was told this was a " new '' offer that was emailed to me on XX/XX/XXXX and didn't apply to me on XX/XX/XXXX. I told them I had a mailer that I received on XX/XX/XXXX and a screenshot of the offer in the XXXX app before I applied. I was told to send them the documents in the mail or by fax. I then faxed the documents that day. 
On XX/XX/XXXX, I followed up to see if they had received my faxed documents. The representative said that documents should be uploaded to the document center not faxed in. So I then upload the same documents through the link provided. 
On XX/XX/XXXX, I followed up to make sure the documents had been seen. I was then told that they couldn't see the documents and to upload them using a reference number. When trying to upload using the reference number, I received a red alert and it wouldn't let me submit under that reference number like it wasn't valid. I then proceeded to call in and speak with someone. I ended up speaking with the manager, XXXX who gave me a credit of {$100.00} for one of the interest charges. And he had me resubmit the documents again using the document center and told me that he would make sure this would get taken care of. 
On XX/XX/XXXX, I called again. My first call put me on hold and hung up on me. The second call, I spoke with XXXX and XXXX and was told that the resolution date was XX/XX/XXXX but it wasn't resolved and they had no new info and I should just call back in 2 weeks and then maybe there will be update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: South East Collection Specialist
State: CT

Complaint narrative:
On XX/XX/2022, starting at XXXX, I received multiple calls on my cellphone in CT from XXXX XXXX XXXX XXXX office in Georgia XXXX They are threatening to sue me on behalf of XXXX XXXX XXXX. First they called me from XXXX and then multiple calls back to back from an unknown number. They were very aggressive and rude, stating they are going to keep on calling. During this same time within half an hour they even called my mother 's home phone in Maryland. 
I have disputed this debt and it was taken off of my credit report on a few of the credit reporting agencies, yet I'm still being harassed. The most upsetting part is that my mother is over XXXX XXXX XXXX and should have never been harassed being that she has never been used as a reference. They claim not to have my mailing address, which I instructed that I only do business in writing, yet they can track down my mother 's home phone number in another state that I don't even know by heart.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have reached out to JP Morgan Chase and requesting information in which I have yet to receive a response in regards to my 2 closed credit card accounts. JP Morgan Chase is in violation of my rights as a federally protected consumer. Pursuant to 15 USC 1602 ( p ) unauthorized use of my accounts by closing both credit card accounts without my permission or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX - We received a notice from Aspen Collection Agency concerning a debt of {$1100.00} owed to XXXX XXXX XXXXt XXXX XXXX, a timeshare company in Nevada. Previously, I have requested signed contract paperwork or an acknowledgement form concerning the maintenance fees charged by the timeshare. I had been requesting these documents for several years previously, both in writing and via phone. The timeshare company has not been able to provide me with any paperwork obligating us to continue to pay for these fees. 

On XX/XX/XXXX I responded in writing to Aspen disputing the validity of the debt and again asking for any signed paperwork or documentation obligating us to the debt. 

On XX/XX/XXXX - I received a response from Aspen, but there was not any accompanying documentation that I had asked for. It was a repeat of the previous letter sent in XXXX. 

On XX/XX/XXXX. XXXX - I sent a written letter repeating that the debt is being contested and my request for documentation concerning the debt owed. 

On XX/XX/XXXX - I received a response from Aspen. I did receive an attachment of the XXXX Deed recorded on XX/XX/XXXX with our names handwritten by unknown persons on the Valuation form, however this form was not signed an unfamiliar to me. An additional document was provided with the XXXX XXXX  XXXX XXXX handwritten on the front page with no signatures. 

For the third time- I re-iterated that I am contesting this debt until I could be provided with a valid signed contract indicating that I am responsible for this re-occurring debt. The documents that have been provided did not include any signatures of my wife or myself. Additionally, no official contract has been provided, but a partial document with no identifying information. 

I have been very courteous in my written discussions. We have kept on open line of communication and discussing in good faith with all involved. However, instead of helping to fix this situation, Aspen Collection has chosen to report the contested debt to the XXXX Reporting Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
This is now the 2nd complaint for the same problem I've had and filed through here. The last time the company just told this bureau they fixed the problem and they did not. That case was XXXX. It's now been 3 months since my mortgage account at Mr. Cooper has been messed up. I continually try to make payments and keep getting told the are doing a loan modifications and will receive paperwork shortly via XXXX. The last time this happened was over the phone on XXXX XXXX at XXXX central time. I still have not received this loan modification they have told me they were sending. They continue to call and send out texts to me saying they are a debt collector which has now just become harassment. This problem has also taken its toll on my XXXX XXXX as my score has dropped XXXX points and they are reporting serious delinquency to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me XXXX XXXX XXXX XXXX of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my 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 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Suspended my checking account transfer for no reason on XX/XX/2022

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to Equifax in regards to them reporting information on my credit report without my consent that harms be as a human being. The letter was delivered to them on XXXX  and by law they are to respond in 4 business days - I also attached a return receipt requesting a response with the letter. as of XXXX today I have received no response. I also had my My original documents notarized for proof that a witness was present

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
This number is continuously calling me multiple times a day and not ever leaving a voicemail. I dont answer because I am assuming it is a scam since they are not leaving any messages as to why they are contacting me. I have called back once and it is an automated American Express message asking for my social security number. I am nervous to give my personal information over the phone since I have not received any other forms of communication from them ( letter, messages etc. ) I did search the phone number and it says its a possible debt collector but I am not sure. I have never missed a payment on my American Express credit card and am paying it off so I do not understand why they would be contacting me.

Company response to consumer: Closed with explanation