vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I got an email that my score dropped. I looked and saw some new inquires. I also noticed some older ones that I don't recognize. I've been struggling with identity theft since I was 17. 

EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX These are the unrecognized ones. 

I also noticed that when I applied for my car, they ran it 8 times. Is the dealership allowed to do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I got an email that my score dropped. I looked and saw some new inquires. I also noticed some older ones that I don't recognize. I've been struggling with identity theft since I was 17. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX These are the unrecognized ones. 

I also noticed that when I applied for my car, they ran it 8 times. Is the dealership allowed to do that?

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 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XXXX, I received a letter dated XXXX, stating on XXXX that I applied for a credit card through PayPal that I did not apply for. The card was denied due to inability to verify my identity. It took 2 hours to reach customer service representatives in order to address the issue and have my information flagged so that it could not be used in the future. The letter I received was from Synchrony Bank XXXX. XXXX XXXX, XXXX FL XXXX. There is no information to contact them to dispute the concerns, so I had to search for it online. I was never notified by PayPal or Synchrony that someone had tried to apply with only some information, so the fee for identity theft notification was wasted. I called and they could not provide me with the information the person gave unless I mailed out for it in writing, which I will be doing to press formal charges against the individual. The representative said they were handling the situation, flagged my information, and have requested the removal of the inquiry from my credit report, but said it could take up to 30 to 60 days for notification. I have closed out my PayPal account.

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 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
the company said they are offering a covid relief program which I requested assistance and they are saying a balloon payment is owed in XXXX I called the company and I was told that if I can't make this payment they will be talking taking litigation steps how are people who have lost their job able to keep their homes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: MA

Complaint narrative:
In the past few months I have received more than 10 Alerts thru my XXXX XXXX XXXX privacy assist with unauthorized credit inquiries. These have been across all 3 credit bureaus ( XXXX, XXXX  and TransUnion ). I have not authorized any of these inquiries and have no knowledge of how my personal information was acquired. I also received another alert from my Corporate Credit Card Company-XXXX XXXX, about a similar credit card inquiry in my name as well as a XXXX inquiry. As none of these have been authorized I want to assure these are removed from each credit bureau 's file so that my credit is not impacted. I have also spoken with the 3 credit bureaus and have placed an alert and a freeze on my credit account 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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I ordered my credit report through XXXX XXXX XXXX back in XX/XX/XXXX but it hasn't arrived, i used them back in XXXX of XXXX and it showed up in the mail so i dont know if they changed something since then or if something else went wrong. Im sending this to you here because XXXX XXXX XXXX   doesn't have a phone number of email i can contact and you have 100 different departments that i don't want to have to go through over the phone, its easier for me to ask on here. Can i receive 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 non-monetary relief
Consumer complaint received 2020-04-17 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: RateGenius Loan Services Inc
State: TX

Complaint narrative:
I received a mailer from XXXX XXXX XXXX Rate Genius offering a " pre-qualified '' auto refinance offer. I went to XXXX to check it out. I entered their Pre-qualified code, my name, address and birthday. The site asked for my SSN. I DID NOT enter this and ended the session because I didn't want my credit pulled. I was simply interested in the information. 
A credit inquiry was made to XXXX  without my approval. An alert shows it was pulled by RG/ XXXX XXXX XXXX XXXX on XX/XX/2020. 
I called XXXX XXXX  XXXX XXXX. They claim they did not pull my credit and only use XXXX  to pull reports. They instructed me to contact Rate Genius. 
I called Rate Genius and they confirmed they pulled my credit. I asked how they were able to do this without my approval. They could not explain it. 
Now, my credit score will be reduced for an inquiry I did not approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Your system will not allow me to upload as many files as I have for a prior compliant. 

I want to upload all the files relating to the issue- and the complete file is over 39 MB. 

And all three, XXXX, TransUnion & XXXX  will have all the files pdf format, in completeness, giving them proof of my identity, and credit history with accuracy. 

Hopefully they will have some common sense to correct the Credit Report and generate a credit score.

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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I just sent in a question to you a moment ago on here but it hasn't shown up in my previous complaint history so i don't think it went through for some reason. My apologies if it did. Here is a copy and paste of the previous complaint " '' I ordered my credit report through XXXX XXXX XXXX  back in XX/XX/XXXX but it hasn't arrived, i used them back in XXXX of XXXX and it showed up in the mail so i dont know if they changed something since then or if something else went wrong. Im sending this to you here because XXXX XXXX XXXX  doesn't have a phone number of email i can contact and you have 100 different departments that i don't want to have to go through over the phone, its easier for me to ask on here. Can i receive 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 non-monetary relief
Consumer complaint received 2020-04-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA DENIED ME MY RIGHT TO REPORT FRAUD ID THEFT XX/XX/XXXX. THERE ARE NO INVESTIGATIONS BEGUN XX/XX/XXXX. NO TEMP INVESTIGATION CREDITS TO BEGIN FRAUD INVESTIGATION. I complained XX/XX/XXXX statement What happened to XXXX fraud.?? see attatched transactiions XXXX USAA began fraud investigations with temporary credits. USAA REVERSED THESE CREDITS XXXX XXXX. ALL XX/XX/XXXX XXXX ARE DUPLICATE UNAUTHORIZED TRANSACTIONS {$470.00} of XX/XX/XXXX -XX/XX/XXXX I REPORTED UNAUTHORIZED XX/XX/XXXX XXXX USAA DISMISSED MY FRAUD REPORT 1 ) See attatched XX/XX/XXXX statement FUTHERMORE WHICH Confirms NO TEMPORARY CREDITS TO BEGIN INVESTIGATION TO MAKE PERMANET 10 MONTHS LATER 2 ) see attatched FRAUD CLAIM DATE LETTER OF XX/XX/XXXX Confirming XX/XX/XXXX FRAUD CLAIM {$470.00} * COMPLETED 10 MONTHS LATE. THERE ARE NO TEMP TO MAKE PERMANET. THERE ARE NO REFUNDED DUPLICATE TRANSACTIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc.
State: DC

Complaint narrative:
Their personal online banking hosting area of their website doesn't provide me with a rundown of my account statements. If they are not able to provide customers with account statements online, then they need to be mailing them to us on a monthly basis. I funded my personal loan through Earnest.com and SST is a third party provider that takes the payments. 

I've made phone calls in the past requesting they provide me with an account statement each month and that hasn't been fulfilled. I expressed to them that for some odd reason when I log into my online portal to access my account, it says that I don't have permissions to see my statements, which is odd. Their system looks archaic and I find it mind boggling that this provider doesn't have an adequate mechanism to provide customers with their account statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: EQUIFAX, INC.
State: WV

Complaint narrative:
My credit score dropped 200 points in one year when nothing has really changed as reported by all three credit bureaus. 

I moved from XXXX  to XXXX  in XX/XX/2019. In XXXX  I had a house that I bought for {$86000.00} and I owed {$40000.00}. I sold the house and moved to XXXX. In XXXX, I was with XXXX  XXXX XXXX and had one credit card that I owed a thousand or so but paid all when I sold my house. 

I bought a house in XXXX  for {$76000.00} and now owe about {$40000.00} on it. There are no XXXX  XXXX XXXX banks here so I transferred my account to XXXX XXXX. With XXXX I have the same checking and savings like in XXXX. I have one credit card with XXXX and owe about {$2000.00}. 

So everything is almost identical except I live in a different state and my bank and house changed. 

Another problem is hard inquiries to the credit bureaus by XXXX XXXX. The inquiries stay on for two years and also cause a drop in score. XXXX XXXX makes a hard inquiry about every 15 months so it is a constant hit on my credit. I have not for 20 years even applied for anything from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: WV

Complaint narrative:
My credit score dropped 200 points in one year when nothing has really changed as reported by all three credit bureaus. 

I moved from XXXX  to XXXX  in XX/XX/2019. In XXXX  I had a house that I bought for {$86000.00} and I owed {$40000.00}. I sold the house and moved to XXXX. In XXXX, I was with XXXX  XXXX XXXX and had one credit card that I owed a thousand or so but paid all when I sold my house. 

I bought a house in XXXX  for {$76000.00} and now owe about {$40000.00} on it. There are no XXXX  XXXX XXXX banks here so I transferred my account to XXXX XXXX. With XXXX I have the same checking and savings like in XXXX. I have one credit card with XXXX and owe about {$2000.00}. 

So everything is almost identical except I live in a different state and my bank and house changed. 

Another problem is hard inquiries to the credit bureaus by XXXX XXXX. The inquiries stay on for two years and also cause a drop in score. XXXX XXXX makes a hard inquiry about every 15 months so it is a constant hit on my credit. I have not for 20 years even applied for anything from XXXX XXXX.

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 2020-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
The manner in which BBVA handles the last payment of auto loans is anti-consumer and borderline fraudulent. This is probably true for the whole crooked lending industry. 

For the entirety of the my loan, I have never missed a payment. This was due to the convenience of having an auto-payment set up through my checking account. Then comes the last payment, and the auto-payment stops. About two months later I noticed that my credit score had dropped 120 points due to a past due auto loan payment! I am thinking, " This should be payed off! How could it be past due?! I had auto-payment set up! '' Turns out the last payment can't be made with an auto-payment. You have call in ( which is going to take an hour, at least, out of your day ) and make the last payment " manually. '' So, me, relying on my auto-payment to finish off my loan, missed this for over two months, until I noticed my score drop on XXXX XXXX. No call or anything from BBVA. I called them, waited over an hour, and finally got it paid off, at the cost of 120 points of credit score. 

The reasoning they gave me was muddled and non-sensical. All I can see is that this is designed to : 1 ) Add complexity to something that should be simple, in order to garner more late fees for profit 2 ) Intentionally lower consumers credits scores so that they have to pay higher interest, longer-term loans to fill these lenders pockets even more Considering the current administration, I doubt anything will be down about this, except to make things worse for consumers. But it at least feels good rant about it to the government.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In the past few months I have received more than 10 Alerts thru my XXXX  XXXX XXXX privacy assist with unauthorized credit inquiries. These have been across all 3 credit bureaus ( Equifax, XXXX  and XXXX  ). I have not authorized any of these inquiries and have no knowledge of how my personal information was acquired. I also received another alert from my Corporate Credit Card Company-XXXX XXXX, about a similar credit card inquiry in my name as well as a XXXX inquiry. As none of these have been authorized I want to assure these are removed from each credit bureau 's file so that my credit is not impacted. I have also spoken with the 3 credit bureaus and have placed an alert and a freeze on my credit account file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In the past few months I have received more than 10 Alerts thru my XXXX XXXX XXXX privacy assist with unauthorized credit inquiries. These have been across all 3 credit bureaus ( XXXX, Experian and XXXX  ). I have not authorized any of these inquiries and have no knowledge of how my personal information was acquired. I also received another alert from my Corporate Credit Card CompanyXXXX XXXX, about a similar credit card inquiry in my name as well as a XXXX inquiry. As none of these have been authorized I want to assure these are removed from each credit bureau 's file so that my credit is not impacted. I have also spoken with the 3 credit bureaus and have placed an alert and a freeze on my credit account 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 non-monetary relief
Consumer complaint received 2020-04-17 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: VA

Complaint narrative:
Experian " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' - Experian states that dispute has been verified as accurate but will not update the disputed info but instead updated unrelated info. I was not able to get a free credit score. Experian removed two disputed account where other credit reporting companies didn't have. My car loan inquiry is a hard inquiry where it impacts my credit score in a negative way. Because of their mistake, I have bank have to conduct another hard inquiry and wait 30 days due to their mistake. 
Experian is just trying to get you to pay them for their service. More mistake they make more you have to visit their web site and get lured into paying for their useless services. 
Experian should be penalized for their mistake and pay penalty to the customers.

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 2020-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
On or about XX/XX/2020, Freedom Mortgage made a payment to our county tax office for property taxes for {$3000.00}. The amount they should have paid is {$720.00}. This amount is approximately 2 1/2 years of property taxes, and as a consequence, this action, our escrow account is way overdrawn. Also, I am due a refund for the escrow account overage in the amount of {$2800.00}. This has not been refunded to me as well. As a consequence, Freedom Mortgage has caused me to sustain a loss of {$5100.00}. Phone calls to their customer service office yield no results.

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 2020-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Best Buy XXXX XXXX/Citibank credit services have had authorization information on my account to do direct debit for monthly payments in the amount due. These payments have been in place for over two years to avoid a missed or late payment, and have been deducted without issue. 

On XX/XX/XXXX however, the monthly payment amount increased, but not only did BestBuy CitiBank not debit the correct amount, they never called me or sent mail notifications regarding the change. On XX/XX/XXXX, the issue repeated itself, without notification by them, at which point I became over 30 days due for the small difference in payment they debited in XXXX on XX/XX/XXXX, without warning - phone call or mail, I was reported to the credit agencies as delinquent. 

I attempted over a period of days to contact Best Buy customs service as well as XXXX XXXX - multiple transfers - hours on the phone - reps telling me no payments were made, myself providing bank info showing they were, reps ultimately finding them and ultimately telling me they didnt know why I was never called nor why Best Buy/XXXX XXXX  failed to pull out the correct amount due - as authorized. 

These companies need to be held accountable for their business practices - their failures should be subjects to their own form of credit reporting in terms of financial harm, lost time correcting their errors, and more

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