vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 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: CA

Complaint narrative:
XX/XX/2018 XXXX XXXX made an unauthorized, fraudulent hard inquiry to my Transunion report. Attaching police report for related identity theft. Transunion instructed me to contact each of the companies making fraudulent inquiry individually.

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 2019-11-26 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: TX

Complaint narrative:
I am writing in reference to the all three credit bureaus lowering my credit score due to auto inquiries that were within 7 days. All bureaus were sent a certified letter requesting that they bring my score back up to where it was minus points for every 5 inquiries.There were 10 inquiries. From XXXX and XXXX I was told by XXXX, Experian and XXXX  that they are not responsible for the credit dropping due to the auto inquiries. They all told me to contact the creditor where I applied for the loan. The auto creditors are not liable for the scores that the credit bureau is suppose to give. The creditors told me they could not remove the items by law. I understand that. 

The creditors are not responsible for my score going down the bureaus are are suppose to only drop 1 point for ever 5 inquiries if they are within 7 days and in the same category.. My score was dropped 41 points due to the inquiries that were made with 3 days of each other. This is unheard of. 

I feel like I am working on my credit is in vain if the Credit Bureaus are supoorting the negative information that companies put on your credit no matter what the circumstance are taking place in your life. 

I had a XXXX XXXX in XXXX. This is what caused the medical bills as collections on my report. I am victim of XXXX XXXX that a protective order was filed and I was assisted by the Attorney Generals back in XXXX. My credit was affected again by medical bills due to the domestic XXXX acts by my husband. I have told the collection agencies that and they still call and report medical collections. This is insane. I would like you all to check into this. Because I was informed by the XXXX XXXX XXXX XXXX XXXX in XXXX Texas, that I was in when I left my spouse that I should get medical waived due to this XXXX  situation. 
. 
It is a conflict of interest for the credit bureaus to assist the consumers with education to check credit for and monitor credit, but they are not caring how they score due to these inquiries. How can the care about the consumer in correcting the problems with no effort on their part and turn around and try to sell the consumer on their products and try to get to you to open high interest credit cards so they can get a kick back. 
This is not helping the 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 2019-11-26 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: CA

Complaint narrative:
XX/XX/19 called the number posted to my report. After holding for almost 15 minutes, the agent told me to " call back later '' and wanted me to call a completely different department to talk to their fraud department. On XX/XX/19, a fraudulent hard inquiry was made to my Transunion report by XXXX/XXXX. I am attaching my police report I filed after becoming an identity theft victim. Transunion has instructed me to reach out to each company that has made fraudulent inquiries to my report, individually.

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 2019-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/18 Cap One made an unauthorized fraudulent hard inquiry to my XXXX  report. Attaching my victim statement/police report for identity theft. XXXX  instructed me to contact each company making fraudulent inquiry, individually.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: CA

Complaint narrative:
XX/XX/18 XXXX XXXX made an unauthorized fraudulent hard inquiry to my Transunion report. Attaching my victim statement/police report for identity theft. Transunion instructed me to contact each company making fraudulent inquiry, individually.

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 2019-11-26 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: BB&T CORPORATION
State: CA

Complaint narrative:
XX/XX/18 Regional Acc made an unauthorized, fraudulent hard inquiry to my XXXX  report. Attaching my police report for related identity theft/fraud. XXXX  instructed me to contact each company making fraudulent inquiry on my report individually.

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 2019-11-26 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: CA

Complaint narrative:
XX/XX/18 XXXX XXXX made an unauthorized, fraudulent hard inquiry to my Transunion report. Attaching my police report for related identity theft/fraud. Transunion instructed me to contact each company making fraudulent inquiry on my report individually.

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 2019-11-26 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XX/XX/18 fraudulent hard inquiry to my XXXX  report by Santander. Attaching relevant police report. XXXX instructed me to contact each company making fraudulent inquiry individually.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: OH

Complaint narrative:
I have been a XXXX for 13 years now, and I have been counting on PSLF. I was absolutely lied to by loan servicers over the years about being on track for forgiveness. It is beyond disgusting that the federal government is not being accountable for consumers like me who were deliberately lied to about all my years of payments. How can congress sit by and do nothing?!?!?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: CA

Complaint narrative:
XX/XX/18 fraudulent hard inquiry to my Transunion report by XXXX. Attaching relevant police report. Transunion instructed me to contact each company making fraudulent inquiry individually.

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 2019-11-26 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
XX/XX/18 Exeter Fin made an unauthorized fraudulent hard inquiry to my XXXX  report. XXXX  has instructed me to contact each company making fraudulent inquiry individually. Attaching relevant police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: CA

Complaint narrative:
XX/XX/18 XXXX XXXX made an unauthorized fraudulent hard inquiry to my Transunion report. Transunion has instructed me to contact each company making fraudulent inquiry individually. Attaching relevant police report.

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 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I lost my card while on vacation around XXXX XX/XX/16 and purchases totalling {$1800.00} were made fraudulently for about a week straight. I did not realize this until the next bill came. I called USAA around XX/XX/XXXX to report this fraud. My account was closed, the card was reissued, and credits were issued for the fraudulent purchases. I then paid the remaining balance for my purchases so the balance was now XXXX. No contact by either phone or mail was made since then. I noticed around XX/XX/XXXX that the credits issued for the fraudulent purchases were put back on my account. I called to inquire and was told that there is no way for me to speak to the fraud department directly and they would contact me. 2 days later I recieved a fraud affidavit in the mail which I immediately filed out, certified mail and faxed. I did call to confirm receipt but other than that, they have not contacted me in anyway, but still are expecting me to pay the bill which is due in XXXX. I was under the impression that it is illegal for them to require me to pay this until the investigation is completed. I also do not know if an investigation was even started since I can not get any answers from Usaa. I have called 4 times since then, spending at least an hour each call to get a resolution but have still received nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: LA

Complaint narrative:
i opened a American Expess ascend ( now XXXX  ) XXXX credit card. The terms and conditions is I will receive XXXX sign up XXXX points once the threshold spent are met ( XXXX $ / in 3 months ). I met the threshold spent on XX/XX/XXXX ( opened the card on XXXX, XXXX ). According to XXXX XXXX XXXX  of the account, XXXX Honors bonus points, will be credited to my XXXX account 8-12 weeks after the threshold amount has been reached. Today XXXX, spoke to Amex representatives XXXX, XXXX ( supervisor ) and XXXX ( XXXX 's supervisor ) and they told me will not get my points until 92 days after XX/XX/XXXX in which they can not explained why the date different from XX/XX/XXXX. I have tried 6 different times to resolves this by telephone and chats but the Amex 's representatives all ( except one ) gave me the same mistaken answers without researching further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2019-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I just opened a capital one credit card and I had my card since the XXXX of this month. I been going thru it about verifying my identity. So I haven't been able to enjoy my benefits. I had lost my wallet that containing all my information. Capital One wanted me submit documents of my identification card but I didn't have one at the time. So I just got a new Identification Card and they still taking me thru a lot to take the hold off my account. I have no electricity in my home because I was counting on capital one so I can pay my bills but as you can see it didn't happen. So I'm in the cold and in the dark. I stay in XXXX Kansas where it snows and get cold. I really need help with getting my account off hold ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
All the credit reporting agencies except Experian have my credit as excellent. Experian says fair and XXXX. Why?

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 2019-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I have been a customer with chase bank for almost 4 years. Before my medical emergency, I had never missed a payment with them or any other company. I was removed from work in XXXX for XXXX XXXX. I didn't have any income at all while I was out. I had just purchased my first home right before I got hurt so I had a new mortgage and utility bills for myself and two families. I called chase as soon as I knew I wasn't going to be working. They said over and over it was okay we could work it out when I got back to work. Then a month in they started putting me as delinquent. I tried to pay but you can't get something from nothing. All of my money was going to heat and electric and food. I even wiped my retirement account just to keep the house afloat. I contacted chase again and asked them to just hold on for two months until I was back at work. They said okay that's fine to take care of your health. Then the next month they closed my accounts. I'm drowning in it. I can't believe after years of an excellent business relationship this multi-million dollar company couldn't give me a three-month stay. I'm back to work now, one month behind on my mortgage and hundreds of dollars in fees later from chase. But I'm chipping away at it and they just keep threatening my credit score and sending it to collections if I don't pay them an immediate sum thats more than Ill make in a month! I just need help. I feel like they are bullying me around. Now I have mountains of interest because I was hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Had some issues with my account due to unauthorized transactions. My credit limit is not available to be utilized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been a card holder of a Banana Republic store credit card through Synchrony Bank since 2009. Recently, my account was changed from a store credit to a Visa credit card by Synchrony Bank without my authorization or my consent. This has resulted in reporting of a new account and new line of credit with the credit bureaus. I raised my concern with this Banana Republic and Synchrony Bank, but no action has been taking. 

My privacy and credit has been violated by this new account that was opened without my authorization. My credit score was negatively impacted multiple points by this new account being opened without my authorization.

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 2019-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I got an email from Synchrony Bank that a trial a account was successfully set up.

I called the bank and they admitted. I informed them that I did not open any account with them.

After 12 hours, they sent me an email that they was a problem with their system and that I should disregard the opened account. They confirmed my information was not breached. Ive the emails to confirm this.

But because banks lie all the time, I want to make sure my information was not compromised.

Thanks.

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 2019-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
In XXXX of this year we was hit by a tornado and our house was severely damage by a XXXX pound tree falling on it. We contacted insurance and our mortgage company. I wanted to skip a payment cuz we had no clothes or anything and was informed by my mortgage company XXXX XXXX XXXX XXXX XXXX that they offered a disaster relief program and that it was standard to take is since our home was unlivable that they would put our payments on hold until the house was rebuilt. I was reluctant to accept cause I told the agent I wouldnt be able to pay such a large sum back at once when the house was done to which the response was to not worry we would just do a modification to the loan and move payments to the end of the note. The bank has held us up every step of the way and made it very difficult to get money to pay for repairs. After 5 months we are fixing to move home and my program has ended. I tried to start making payments but was told I couldnt and I needed to pay over {$6000.00}. I told them my agent had sent me paperwork to do a modification to the loan. I was told that the application couldnt be sent in because although my program had ended the case wasnt closed and that it would take some time to process. After two weeks it still wasnt closed and they reported to my credit that I was 180 days delinquent so my credit score plummeted. After reporting to credit bureaus they have started processing my application. I feel like Im being railroaded or scammed by the bank and they are intentionally doing things to cause these issues for their benefit.

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 2019-11-26 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: FL

Complaint narrative:
Hello, I have too many queries in my credit report that I have not authorized and I already spoke with these agencies to report these FRAUDULENT queries but I have already been waiting for them to be removed please remove all these fraudulent concerns from my credit relationship THANKS ..

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