vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-29 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: LEXISNEXIS
State: GA

Complaint narrative:
From XX/XX/2013 until the present date the company LexisNexis has been reporting information about me to XXXX, XXXX, XXXX, and all other credit reporting agencies. This information is gather 3rd party from the United States Bankruptcy Court ( Clerk ) of XXXX, Georgia. I did not authorized LexisNexis to share my information. The clerk has sent me a letter informing me that my information was not provided to any credit reporting agency.I have also contacted LexisNexis with the letter provided by the Federal Bankruptcy court saying that the court does not provide any information to the credit reporting agencies.I also sent Lexis Lexis a letter opting out the sharing of my personal information because I am a XXXX XXXX   XXXX and this information might place me in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: SC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely on this system because its not 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
the 4 accounts posted as derogatory should be deleted.,

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 2020-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To whom it may concern, I am an AMEX member since XXXX, and holder of the AMEX Platinum Charge Card that I pay {$550.00} per year annual fee, but right now am not getting what I am paying for. The reason for this is the AMEX seem to have blocked my loyalty program with them know as Membership Rewards Points. I collect these when making purchases on my card. I currently have a substantial amount of points approx 93k right now. I have had this Platinum Charge Card for a few years now - always paid on time, no late or missed payment and all my accounts with AMEX have and continue to be in good standing. 

I rarely use my Membership Rewards points, and the last time I did was in XXXX this year and transferred only XXXX of them to my linked hotel account ( Hilton ). When I went to do the same thing earlier this month amidst all this COVID-19 chaos to use my Membership Rewards points in an emergency ( the whole reason I have built them up ) I was met with the following message from AMEX on my online account : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I called AMEX, they were extremely unhelpful and no one knows what the issue is. This is unacceptable as is falsified consumer product offering. As mentioned, I am now paying the annual fee which is an extraordinary amount - for a service I am not getting and no one at AMEX knows what is going on, or will help. Someone knows how to unlock this on my account and this is why I am having to file this CFPD report. 

There has been no issues on my account, and a couple months back AMEX were helping me register new loyalty programs with external companies ( like XXXX XXXX, and Hilton Hotels etc. ) to my Membership Rewards account. Seems whatever they may have done may have caused this issue? I don't really know, but I need this rectifying ASAP as I have to use my points in an urgent manner with all this COVID-19 situation. 

It is extremely unfair, unprofessional and against a consumer act the way AMEX have done this and dealt with me, or lack thereof. 

I read on many online forums that AMEX are known for doing this for no reason and that the common process for people has been to contact the CFPD as AMEX are very bad from a customer service perspective on resolving this in a timely manner. 

I spend an average of {$5000.00} a month on this credit card and continue to be a very loyal customer. I have included screenshots of my account, average balance per month, how many Membership Rewards Points I have and also a screenshot of the message AMEX are showing me when trying to use these points. 

Please can someone help me with this and have this rectified. 
Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely on this system because its not 100 % accurate

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 2020-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone hacked into my Suntrust bank account and performed the following actions : On XX/XX/2020, used XXXX to transfer {$450.00} to XXXX XXXX On XX/XX/2020, used XXXX to transfer {$450.00} to XXXX XXXX On XX/XX/2020, used XXXX to transfer {$470.00} to XXXX XXXX I did not authorize any of these transactions or was aware of it until XX/XX/2020. I checked my account and noticed the unusual transfers. I immediately contacted Suntrust Bank Fraud center to report the issue. The representative gave me a case number and told me to check back on XX/XX/2020. She also told me that Suntrust will credit the lost money to me during that investigation period. However, I never received any credit from Suntrust. 

On XX/XX/2020, I contacted Suntrust regarding the case. I was simply told that the case was denied due to " Inconsistency ''. I asked for clarification and the representative said that he can not explain anything further than what the investigator reported. He also said that " I need to be able to prove that I was hacked in order for them to continue with the investigation '', and " without additional evidence from my end, the case will be closed and can not be reopened '', and hung up on me. I called back and spoke to another representative and was told the same thing. This representative however told me that he will send me an email to fill out the appeal form to have the investigators look at my case again. I waited till the next day and did not receive any email so I contacted Suntrust again. This was on Saturday XX/XX/2020. Another representative told me that Suntrust will send the form to me via mail instead of email. I have waited until today ( XX/XX/2020 ) and checked the mail every day but no form was delivered. 

Please take a look at this case and let me know if theres any additional information I can provide to support my case. I just really dont know how to prove that I was hacked. 

Thank you very much for you 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 2020-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
the 4 accounts posted as derogatory should be deleted.,

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 2020-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
XX/XX/XXXX i received a letter from alliant credit union stating that they voted and that XXXX of them decided to close my account, no reason was given however my account has no wrongdoings, and i didnt receive any infomation as to why my account as closed, and no warnings, only that on XX/XX/XXXX all my accounts will be closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: GA

Complaint narrative:
From XX/XX/2013 until the present date the company XXXX has been reporting information about me to XXXX, XXXX, Esperian, and all other credit reporting agencies. This information is gather 3rd party from the United States Bankruptcy Court ( Clerk ) of XXXX, Georgia. I did not authorized XXXX to share my information. The clerk has sent me a letter informing me that my information was not provided to any credit reporting agency.I have also contacted XXXX with the letter provided by the Federal Bankruptcy court saying that the court does not provide any information to the credit reporting agencies.I also sent XXXX XXXX a letter opting out the sharing of my personal information because I am a XXXX XXXX XXXX and this information might place me in danger.

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 2020-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
They call at all hours and on the weekends using various numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I pulled my credit report on XX/XX/2019 because I was about to initiate the process of pre-approval to buy my first house. I was under the impression that I had no debt and a clean report. Imagine the horror to open your report and see charge-offs for three credit cards, and other derogatory remarks with names you have never heard of nor seen before. I had a home chosen already, and I had to walk away from entering a contract due to identity theft and fraudulent activity. 
Wakefield & Associates may or may not be the result of fraud, I can not weigh on either side with pure conviction ; I was never shown validation of the debt, nor had I received any communications regarding this debt or the originator of said account. 
Wakefield 's billing department has far surpassed the allotted time for matters of this nature to be revealed. The only legally sound course of action would be removal. This very account was removed from both XXXX  and XXXX  ; however, despite my attempts to dispute via written and email through XXXX online feature, this account in question was allegedly validated by Wakefields department without informing me and remains on my XXXX report. I still have no answer regarding whom this debt originated from. 
I have sent numerous requests to Wakefield on this matter and made several phone calls without being able to reach an agent due to long hold times. Despite all attempts to establish contact, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This company continues to enter data provided by XXXX XXXX XXXX after I asked then not to because the US bankruptcy court does not provide information directly to any credit reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
on XX/XX/2020 i submitted a complaint to Trans Union. I asked numerous of times for a re investigation yet they still haven't held up their end of what is stated in their letter time and time again. I have provided a letter from the Bankruptcy court saying they do not report information to the credit bureaus however they report to public record. Public record or Pacer is not the original creditor of this account and can not be used to verify information on a credit report. What Trans Union has done is sent in old dates and saying they verified docket XXXX and never re investigated the document after providing proof.

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 2020-03-29 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: GA

Complaint narrative:
This company continues to enter data provided by XXXX XXXX XXXX after I asked then not to because the US bankruptcy court does not provide information directly to any credit reporting company.

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 2020-03-29 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: GA

Complaint narrative:
This company continues to enter data provided by XXXX XXXX XXXX after I asked then not to because the US bankruptcy court does not provide information directly to any credit reporting company.

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 2020-03-29 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: Conn's, Inc.
State: TX

Complaint narrative:
I have written 3 dispute letters to the following company to validate and verify the debt they claim I owe them. They have failed to respond to me in writing in the 30 days allotted by the FCRA. 
1. ) XXXX XXXX XXXX 2. ) Conns XXXX XXXX. 
3. ) XXXX XXXX XXXX 4. ) XXXX XXXX XXXX XXXX TX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI

Complaint narrative:
On XX/XX/XXXX the divorce between my ex husband, XXXX XXXX XXXX, and I XXXX XXXX XXXX was finalized before XXXX XXXX at the7th Judicial Circuit Court of XXXX County. As part of the judgement XXXX and I agree the property we shared while we were married would be awarded to him. The judge ordered my name to be taken off the the loan through Bayview Loan Servicing LLC within a month of the divorce judgement. XXXX and I have had to fight with the loan company to have this done. I have signed two quick claim deeds, one on the day of the divorce judgement and another more recently. I have signed modification and assumption paperwork through Bayview Loan Serving LLC, loan # XXXX, to have this finished. After the modification paperwork was approved the loan company reported late payments to the credit bureaus from XX/XX/XXXX to XX/XX/XXXX. Since XXXX of XXXX XXXX and I have continuously been in contact with the loan company to have my name removed. We both have been lied to and given the run around as to why it has taken so long to have this done. XXXX paid Bayview Loan Serving LLC {$1500.00} in closing costs to have this done. They finally accomplished this in XXXX of XXXX, but still have not correctly reported this to the three credit bureaus. I have submitted two disputes with all three credit bureaus to have this corrected with no success. My credit has been destroyed due to Bayview Loan Serving LLC failing to have my name taken off of this loan. I would like the late payments and the loan completely taken off of my credit reports. Bayview Loan Servicing is engaging in illegal activity by their refusal to correctly report to the credit bureaus. They should not be allowed to conduct their business in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have written letters, made phone calls, even sent a cease and desist order to United Revenue Corporation requesting they remove the illegally obtained medical information from my credit reports. They are only to have my BILLING information under HIPAA. They have, however, my actual medical charts. I will attach proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
Credence resource called me about a XXXX XXXX debt that i need to settle it and delete it off my credit report after payment.Debt has been paid off or settled but they will not take it off my record and still trying to call me to collect the debt that i have already settle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29 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: CarMax, Inc.
State: AR

Complaint narrative:
PLEASE RE-INSERT MY CARMAX LOAN INTO XXXX CREDIT REPORTS, IT WAS DELETED IN ERROR. LOAN NO ENDING IN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have a negative account reporting on my credit profiles by two separate collectors. A clear violation of the FCRA. Chrysler Capital has reported the debt then sold the debt to XXXX XXXX. And they are both now reporting the debt. Which is violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: CL Holdings LLC
State: GA

Complaint narrative:
I never signed a contract with this company therefore they have no right to report on my credit

Company response to consumer: Closed with explanation