vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 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: WV

Complaint narrative:
XX/XX/2021 I received 2 letters from Chase regarding my two credit cards. One, the limit was lowered from {$5000.00} to {$1200.00} and the other limit was reduced from {$12000.00} to {$5900.00}. They claim this is because my usage on other cards. By lowering my limits, they are increasing my usage on their cards and adversely effecting my credit score. I have been a customer for many years and I've had these cards for several years. Not only is it an oxymoron to lower my limits causing 90 % usage on their cards because usage is high on a couple other cards, but also because they boast about closing the wealth gap and all their doing to help people of XXXX. They just single handedly took my credit score from good to either fair or poor once this reports. You can't do anything with bad credit, which is what they're doing to me. Then the smugness of the rep, XXXX to tell me she's the final say and her boss won't change anything is CRAZY. They pulled my report ( adding an inquiry when too many inquires was one of the reasons stated for lowering my limits ), asked me questions about 4 of my accounts in which I was more than honest. I'm being punished for taking advantage of 0 % balance transfer, vehicle loans, and 59 % usage on one of my accounts. Disregarding the fact that 5 companies have increased my credit limits in the past two months. They supposedly did a thorough review, but it doesn't matter that my balances go up and 6months or so later go back down. It doesn't matter that we just sold a car and received a {$25000.00} check to pay down debt. It doesn't matter that we just spent {$12000.00} to purchase a house. It doesn't matter that we have 2 rentals that pay our mortgage. All the money they've made during this pandemic and their empty promises to help close the wealth gap makes them a fraud. I didn't get bailed out as they did with MY tax money. Yes, I was a day late on my payment 3 times, but I guess people aren't allowed to forget things when they're going through stuff. Two of the times I was on leave from my job, in XXXX and going through XXXX XXXX. They knew they were going to tell me no before they pulled my credit and asked my a bunch of very invasive questions about some of my other credit accounts, questions my mortgage company didn't ask me. They never answered my question wondering if they'd lower my limit again for these same reasons when these accounts were paid. The only answer smug XXXX gave me is that they wouldn't make my accounts negative ... that's not even what I asked. Chase reported a net income of $ XXXX in the XXXX, at the height of a world wide pandemic, but they want to mess with the little people like me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: AFNI INC.
State: FL

Complaint narrative:
I have a {$140.00} debt being reported by XXXX XXXX XXXX now the collection company XXXX XXXX On my credit report that is incorrect. The overdue balance is for XXXX and I have not had an XXXX  account or phone for at least 8-10 years. The account, I assume, belong to my now deceased husband from whom I was separated from XXXX forward. I had notified XXXX XXXX XXXX back 8 to 10 years ago on a few different instances that I no longer had a phone number associated with them or a phone and to remove me from the account and they told me each instance that they would. Since his death Ive been harassed by XXXX calls On numerous occasions, too numerous to list and I have explained the situation each time to no avail. I also contacted XXXX XXXX XXXX and was told that I would need to speak to the collection company. I disputed the charge on my credit report and the XXXX XXXX investigation found the information to be accurate thus it was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted several disputes to the credit bureau and credit card XXXX XXXX XXXX XXXX XXXX regarding a fraudulent account that is being reported to my credit file. However, neither one of the companies have taken the proper steps according to the FTC statue with removing the account from my credit file.

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 2021-04-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX On or about XX/XX/XXXX I asked for a credit increase to {$10000.00}. According to the response it went through as I requested. XX/XX/XXXX I made a purchase at XXXX for @ {$36.00} and it was declined. After spending 1-2 hours on the phone with agents ( outside US ) I was told they couldnt disclose why I was declined, and after calling back agin that I couldnt be verified, and thy couldnt disclose why my card was shut down. 
On XX/XX/XXXX, after spending a considerable amount of time on the phone with XXXX in the fraud dept. ( I asked for fraud bc I know I could check activity and find out if there any fraudulent activity or attempted ID theft ) I was assured that my she took care of my complaint, and was going to send my complaint to management. Sill I didnt know why I was shut down. She assured me everything was OK with my card. Two hours later I went to pick up prescription at XXXX XXXX, and my card was declined again, my purchase was {$8.00}. I tried for another hour to get through as I needed to make another purchase while I was out and didnt have enough cash with me. 
After several calls I inadvertently closed my account by hitting the wrong response number while on with the robot, and the next agent told me that my account was closed. 
Im done with XXXX XXXX XXXX, but I have a right and they have an obligation to tell me why this happened.

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 2021-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I cosigned on a car loan in XXXX the loan matured in XXXX the loan was originally with XXXX XXXX and i recently found out on XX/XX/XXXX that the loan was transferred to West Lake PM on XX/XX/XXXX after the maturity date for an outstanding balance. Like i mentioned im the cosigner on the loan. When the loan was with XXXX XXXX they would call me or send a letter if the payment was late so i could fulfill my responsibility and bring the account current. I thought the account was closed since the maturity date had passed, and i didn't receive any request for payments from XXXX XXXX. I applied for a construction home loan and was surprised when i was told about several late payments that were on my credit report. I filed an complaint with cfpb and West Lake PM suggested that i file an identity thief claim but i was advised to dig deeper by legal council. I finally called West Lake PM and after 5 min or so i got a supervisor that was able to tell me what was going on. That's when i was informed that they brought the account and the same terms still exist, the account is past due and thats the reason for the late payments on my credit report. I explained that i have not even been made aware of the loan being serviced by them, they never notified me about anything. The supervisor added another phone number to my file now they have 2 working numbers on file to contact me and agreed to remove the late payments because they had never made contact with me and i had no knowledge about what was going on. Another month has reported and the late payments were never removed. I called them back and a different supervisor told me that no reported information would be changed and if they contacted me or not its my responsibility to find out what's going on with this loan and that West Lake PM is not responsible to notify me that they are even servicing the loan. I don't know how i can pay a installment payment if i don't even know a payment exists. please help

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 2021-04-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have attempted to get this issue resolved with TransUnion on several occurs dating back to XX/XX/2021 with no success. I have multiple unauthorized soft inquires and hard inquiries on my TransUnion credit report that I have brought to TransUnion attend and was notified there was nothing they could do, to contact each individual creditors listed to have them request the inquiry be removed. I made every attempt to contact all creditor 's listed with a phone number and was pretty much told, if they pulled my credit it was at my request ; that they could not contact the credit bureau to have the inquiry deleted/removed and was advised to contact TransUnion directly. I understand TransUnion encountered a Inquiry Issues/Breach, which I have information TransUnion on several different occurs since XXXX, via mail and phone that I am a victim of. TransUnion has been unwilling to assist in getting this matter resolved and has basically ignored my requests. As of today, XX/XX/2021 these inquiries remain listed on my TransUnion credit report. 

I have a physical copy of my credit report dated XX/XX/2021, where these inquires indeed have been removed and no longer appear on my credit report, but the credit report obtained on XX/XX/2021 shows these same unverified, unauthorized credit inquires. I contacted TransUnion again today, XX/XX/2021 in an effort to give them one more opportunity to correct this issue. After speaking with 2 Inquiry Issue/Breach and refusing to remove these inquiries which is confusing as I clearly have evidence these inquires were not on my credit report before XX/XX/2021. There inquires appear on my credit report in XXXX, they do not appear on my credit report in XXXX but appear back on my credit report again in XXXX, which is a clear indicator that this is a normal practice of TransUnion adding inaccurate/and unauthorized inquires to an individuals credit report purpose or as a result of a mishap within their organization. 

This complaint is being submitted to get your assistance in getting this unauthorized credit inquires removed from my credit report. 

Attached you will find a list of the inquiries in question :

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 2021-04-22 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: NY

Complaint narrative:
Attention to XXXX, Equifax, and XXXX, I am a victim of Identity theft. There is a fraudulent account on my credit report that is not mine. I filed an Identity theft report with the Federal Trade Commission. I have attached proof of my Identity which is my State ID and a utility bill. I have listed the fraudulent account below. The fraudulent information is not related to any transaction of mine. Please block and remove this account within 4 days of receipt according to FCRA Section 15usc1681c-2. The letter is notarized to prove that it is me sending the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: DISCOVER BANK
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: AES/PHEAA
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I started an FHA streamline refinance sometime around XXXX of XXXX. Between XX/XX/XXXX and now XX/XX/XXXX I have been scheduled to close 3 differnt times and 2 have been cancelled without notice from the mortgage company because of title or documents not being turned over on time on their end or from attorneys. This third time I received a cancellation now due to unable to verify income. Income documentation was never requested from me and mortgage has always been paid since being a customer with Freedom Mortgage. I called Freedom Mortgage this morning and also spoke to a representative that read some notes that stated it was because I was removing my parents off of the loan, which once again I never told them to remove anyone and months back I made Freedom Mortgage aware of that as well. This was an issue I was told about months back as well. I have emails and proof where I have been dealing with this issue for months. It seems like they have been falling out of compliance 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 explanation
Consumer complaint received 2021-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
The issue is with Kohls credit card services. I was added as an Authorized signer without my consent. My husband and I made many phone calls to have it removed, and was told it was removed. It is still showing me as an Authorized user with an outstanding balance on the account and the account currently closed with an outstanding balance. When I call Kohls they tell me they don't have anything showing me as an Authorized user and they tell me I have to contact the bureau however the credit bureaus tell me they respond to the reported information provided from the creditor and Kohls needs to correct the reporting. I have contact Kohls many times and have asked to talk with management and I have still not received any changes or resolution that I am not an account owner or obligated to the outstanding debt. I have been trying to get this resolved for over a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Williams & Rivera Litigation Group LLC
State: FL

Complaint narrative:
I have instructed Williams & Rivera LiTI to remove this debt from my credit report. they are still reporting this on my credit as debt even after I have filed chapter XXXX and its been discharge. the vehicle has been included in my BK for XXXX XXXX for a XXXX  XXXX. its listed on my credit report that I owe {$8400.00}. XXXX XXXX is also on my credit report separately to William & Rivera LITI company so its reflecting 2 times on my credit report for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCM Finance LLC
State: TX

Complaint narrative:
Account is paid and satified and would like this removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Received notice from collection agency dated XX/XX/21 stating I owed {$1000.00} on XXXX account I had never heard of. I was able to get some details on this debt such as 2 addresses and phone # used on this account. None of this information pertains to me. XX/XX/XXXX notice was first communication I knew of this. I have police fraud report, my personal ID information and details I obtained regarding this debt. I have never used XXXX for any service. I been unable to secure copy of original charge document.

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 2021-04-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit score has dropped considerably since XX/XX/XXXX. I have no past due payments. I filed a dispute with Equifax on XX/XX/XXXX. Results of this dispute were provided on XX/XX/XXXX. The results only referenced past due to which, I don't have any. I called Equifax XX/XX/XXXX at XXXX EST XXXX  ad was advised there are other factors i.e. : length of time having the account etc. This particular factor length of time makes no sense to me as my score went down as this duration of time was extended. I am assuming these factors apply to XXXX  and XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NCA-XXXX  XXXX have claimed that I filed a payday loan in the amount of {$300.00} with their office. I filed a dispute through XXXX  to dispute this as this account is not mine and stated I have no knowledge of the account. They denied my dispute and then reopened the account with a new debt collector showing I opened the pay day loan in XXXX which is again not my account and the original debt was showing opened in XXXX. 

I want this account removed from all 3 credit reports immediately.

Company response to consumer: Closed with explanation