vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: WA

Complaint narrative:
My name is listed on a apartment lease that has been sent to IQ Data. I requested proof of of debt XXXX & XX/XX/2020 and I haven't received anything showing this is my debt. I never signed the lease or anything else. They are calling me every day being very mean they even called XXXX XXXX and told my employee the answered the phone why they are calling and that I owed a debt for XXXX XXXX  with the amount. It has been over 90days since my first request for proof of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
i am a victim on ID theft, there are som inquiries on my report that I didn't allow

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
i am a victim on ID theft, there are som inquiries on my report that I didn't allow

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: FL

Complaint narrative:
To Whom It May Concern, I have over 25 years relationship with Chase. Two PAID Mortgages, credit cards, checking and Savings account. 

Im a full time XXXX XXXX and also have a XXXX XXXX with my son. Due to Covid- 19 XXXX XXXX has been impacted financially and Ive been using my personal money to keep the XXXX  above water. Ive reached out to Chase and requested assistance with 2 of my credit cards. Chase did assist me with the temporary suspension of payments. 

Both of my cards were maxed out and Ive recently paid both down. Chase reduced my credit limit from xxx to. Which now shows Im maxed out ( Highly utilization ) this dropped my credit score tremendously. I called and spoke to Card Services on XX/XX/20 and explain the matter. I was advised they will have to pull my credit to see if I will qualify for credit increase. I applied for a Mortgage with CHASE and was denied mainly due to my score not meeting XXXX FICO  score requirement. I also applied with another bank for a Mortgage and my credit score was much higher than what it is now. This is all caused by the high utilization on my two credit cards, due to the limits being reduced. 
Here is my issue, I had one credit card for years. Ive recently within the year used the credit cards and maxed them out. Im being penalized for the pandemic and I would like my credit limits to go back to where it was. Chase certainly can block me from using the cards. This way, my credit score will increase ( per credit stimulator calculator ) and I can reapply for the Mortgage. Im willing to pay down the balance more. However, Chase may reduce my limit again. I feel my hands are tied and the Bank that I have my entire financial relationship with has treated me unfairly. Im looking to get this matter rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I HAVE 2 WRONG PREVIOUS ADDRESSES THAT ARE NOT FACTUAL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: TN

Complaint narrative:
I am a victim of identity theft. I reviewed my credit report and found the following accounts that I did not open reported on my credit file. I did not open any of the accounts collections agencies are collecting for. XXXX/XXXX  - Balance {$97.00} XXXX  XXXX / XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX - Balance {$860.00} XXXX XXXX - Balance {$2300.00} XXXX XXXX  - Balance {$2600.00} XXXX XXXX - Balance {$1700.00} XXXX XXXX - Balance {$820.00} XXXX XXXX XXXX - Balance {$790.00} XXXX - Balance {$1200.00} The following addresses on my credit file are not my addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX I've attached a copy of my state issued ID both front and back as well as a copy of my social security 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 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
I responded to a contact about collecting a debt by GC Services. GC Services contacted me and my family by phone and identified the debt as due. I told them the person they are trying to reach is not available in this phone because she passed away. I told them several times to stop calling me because I do not have any responsibility for the debt they trying to collect.I also told them if they have good reason to believe that I am responsible for this debt, mail me the documents that make them believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If they stop the collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If they report it to a credit bureau or have already done so, also report that the debt is disputed. Thank you'r cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: CA

Complaint narrative:
I submitted a payment through the " Bill Pay '' service provided by my credit union on XX/XX/XXXX. The payment is shown as received by my credit card company, First Progress, on XX/XX/XXXX. As of today, XX/XX/XXXX, however, the payment has not been applied to my credit line. 

I called First Progress on XX/XX/XXXX to inquire and was told that they received the payment on XX/XX/XXXX and it takes 48 hours to post. When I pointed out that it had been 5 days since the payment was received but had not been applied to my available balnce, the agent spoke with her supervisor. After speaking with her supervisor, I was told that it should have posted to my available credit on XX/XX/XXXX and that I should call back Monday XX/XX/XXXX if it did not post by that time. 

When I called back today, the agent told me that the money is now on a 10 day hold but could not explain why it is on a 10 day hold rather than the 48 hours that is usual. She also could not explain why the agent I spoke with on Saturday did not tell me of the 10 day hold nor why that agent 's supervisor did not advise her or me of the 10 day hold. 

After speaking with a supervisor, I was told that because it was a check that the bank could cancel it and not honor the funds. I advised her that it was not a check but rather a transfer from by bank, which is the only payment method they accept unless I pay an additional fee to make a payment over the phone. She said it's on a 10 day hold and there's nothing I could do about it and then quoted me the section number in the cardholder agreement that said they could hold funds for 10 days. 

She could not explain why neither the agent I spoke with on XX/XX/XXXX nor that agent 's supervisor saw this or informed me of it. At that time I requested that my account be closed and all of my deposit returned. She said this will take

10 weeks to process. I asked about having it expedited, as the website mentions it can be. She informed me that it would take 2 to 3 weeks once they receive my fax. I asked why she was quoting 2 to 3 wee
ks when the website states that it is 7 business days, and she said that was allowing 10 days for mailing time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: CORELOGIC INC
State: TN

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: OH

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 I sent letters to XXXX  to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: IL

Complaint narrative:
I have followed the guidelines in disputing incorrect account information on my credit report. The credit bureaus have not responded in a timely fashion, which is against the law. I am now exercising my rights to demand the deletion of the unverified accounts listed in the letter I sent them. This has hurt my ability to obtain credit and need this completed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have followed the guidelines in disputing incorrect account information on my credit report. The credit bureaus have not responded in a timely fashion, which is against the law. I am now exercising my rights to demand the deletion of the unverified accounts listed in the letter I sent them. This has hurt my ability to obtain credit and need this completed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  XXXX  ' MY NAME AND PREVIOUS ADDRESSES HAVE ERRORS, WRONG PREVIOUS ADDRESSES NOT FACTUAL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: TX

Complaint narrative:
Removing Freeze from Experian way to problematic. The phone system is circular. who is writing letters when you can fix somewth9ng over phone or digital. The security questions do not take into consideration mortgages are sold so it is very possible one will not know the new mortgage company name. a live person option should be mandatory. 

The consumer needs better choices.

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 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 I sent letters to XXXX to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have followed the guidelines in disputing incorrect account information on my credit report. The credit bureaus have not responded in a timely fashion, which is against the law. I am now exercising my rights to demand the deletion of the unverified accounts listed in the letter I sent them. This has hurt my ability to obtain credit and need this completed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I had a earth quake loan that m & t bought .I have been paying the amount per month required. all of a sudden they they tell me the loan has matured and they want all of the balance. on XXXX i was sent back a XXXX payment the letter said the payment could not make account current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XXXX. XXXX, 2019, BMO HARRIS BK N.A. add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX  XXXX  add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
From the time of application our closing date was always XX/XX/2020. Our closing was delayed 21 days due to not only processing delays but also caused by the COVID 19 pandemic, which slowed down the SS Administration and we were forced to stay in a motel for the entire time, costing us {$2100.00}. In addition, we had 2 ( two ) 26 ft XXXX trucks and a trailer which cost us {$3500.00}. 

When the appraiser went out initially and was at the property, he got a call and was told it was cancelled ( this is per the listing agent ), then the appraisal had to be reordered, which caused even more delay. There was a condition for a judgement to be paid prior to closing that our realtor asked from the time the conditions were received if it could be paid at closing as it would need to be paid from the proceeds of the sale of our home. They did not respond until the day before closing and had to get an exception to get this moved to an at closing condition. 

We were never contacted by the loan processor until the very end and tried to go through the Customer Service area to request reimbursement for above expenses totaling {$5600.00}. We feel BBVA should reimburse us 100 % to make us whole for this horrible experience. 

We submitted the receipts to the BBVA Customer Service Experience area. We were contacted by XXXX XXXX was told that the appraisal being cancelled was our fault, which caused the delay. We did not cancel the appraisal and feel they should have to take responsibility for the lack of communication and processing delays, emotional and financial distress they brought on us during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED WORD DOC ' MY NAME AND WRONG PREVIOUS ADDRESSES NOT FACTUAL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation