BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
US.BINANCE has locked my funds for more than 30 days without any response via Email or Ticket Ive submitted at all. Ive used their services for XXXX  years now and this is the first time this has happened. I have {$10000.00} stuck in Us.Binance and they will not help me what so ever! My ticket number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I booked a hotel stay at XXXX XXXX XXXX XXXX ( located in XXXX ) through website XXXX. This stay was supposed to take place from XX/XX/2020 to XX/XX/2020. The reservation included a " Free Cancellation '' policy that entitled me to receive a full refund in case I cancelled it before XX/XX/2020. 
I paid the reservation in full ( {$920.00} ) using my MasterCard credit card issued by Bank of America. You can find the charge paid in the attached credit card statement. The charge 's reference number is XXXX. 

I cancelled the reservation on XX/XX/2020. Instead of receiving a refund, all I got from XXXX was a voucher that was supposed to be valid for a new hotel reservation. When I tried to use this voucher, their website was down, their customer service telephone lines were also down, so there is no way to actually utilize the voucher. In light of this, and considering that I never received the full refund set forth in the cancellation policy, it is clear that XXXX is incurring in a fraudulent practice. 

Consequently, on XX/XX/XXXX I called Bank of America to initiate a dispute over the charge that I had paid for in XXXX. They informed me that due to their systems limitations they can not generate dispute claims for charges that happened more than 6 months ago. 

I now recur to the CFPB for help against the XXXX fraudulent practice, given that my trusted bank is not able to help. 

Please let me know if additional information is required. 

Thanks and Regards, XXXX XXXX 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 2023-01-13
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit includeing the Police Report I filed on my local Police Department. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-03-22
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a letter from my homeowners insurance dated XX/XX/XXXX, " XXXX XXXX '', stating that an insurance score was received by LexisNexis Risk Solutions XXXX Inc., which has affected my insurance score. On XX/XX/XXXX, I submitted a letter by certified return receipt to LexisNexis Risk Solutions requesting a copy of my FREE report. After making a phone call to LexisNexis in XX/XX/XXXX, I finally received my report dated XX/XX/XXXX two months shy of ONE YEAR of requesting this report. Once I reviewed this report, I noticed that the most of the information UNDER my NAME belonged to my DECEASED FATHER. I have disputed all these errors with proof of identity multiple times via certified mail and LexisNexis STILL HAS NOT CORRECTED MY REPORT deleting ALL my DECEASED FATHER 's information and my mother 's information from my report. My next step will be filing a lawsuit. This inaccurate report has cause hardship, pain and anguish, as well as, so much time spent in the attempt to resolve this issue. LexisNexis reporting practice is a Violation of the FCRA. 

LEXISNEXIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recently submitted a complaint to Navient. The response that Navient gave suggests I take an action that may have negative consequences.

Navient suggested consolidation but this action according to the federal student aid web-site has potential downsides such as the following.

Because consolidation may lengthen the repayment period, you'll likely pay more interest over the long run. Any outstanding interest on the loans you consolidate becomes part of the original principal balance on your consolidation loan, which means that interest may accrue on a higher principal balance than if you had kept your loans separate.

You might lose borrower benefits such as interest rate discounts, principal rebates, or some loan cancellation benefits associated with your current loans.

Normally, consolidating your current loans could cause you to lose credit for payments made toward income-driven repayment plan forgiveness or PSLF. However, under the one-time income-driven repayment account adjustment, you wont lose credit for those past payments. This adjustment will be applied automatically to all PSLF-eligible Direct Loans, including consolidated and unconsolidated parent PLUS loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX XXXX was removed from paid ahead status but the SAVE payment calculation is incorrect. My original save payment calculation for that loan was XXXX but aidvantage is currently reporting that I will owe XXXX under SAVE. 

this is incorrect- the XXXX is what I would owe if I were on the standard repayment plan. 
They refuse to update the payment amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing statement

Complaint:
dispute is about Sears credit card who is owned by Citibank. Sears credit card # XXXX. Sears claims that I have not paid my bills for XXXX, XXXX, XXXX of 2015 of which carries a late fee and a processing fee for each month. I was XXXX informed of non-payment when I received harassing phone calls from sears/Citibank 's collection department. I received these calls starting XXXX XXXX, 2015. But, since XXXX 2015, I have not received any bills from them either by email or regular mail. I am more than willing to pay but I want the late fees removed because I never received their bills. They accused me of changing my email. I have the same email for over 15 years. They accused the postal service for non-delivery of mail. I 've been living at the same address for over 40 years. They informed me that the only way a late fee can be removed is by a manager 's OK. I asked them for a manager to call me to resolve the matter. The only person I was able to contact who is not a manager but who did absolutely nothing is XXXX XXXX at the Citibank 's Response Unit. No manager has ever called. To add insult to injury, I have a Citibank credit card ( unrelated to sears ) and I get email notifications and regular mail with no problem. I 'm just frustrated trying to resolve this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
XXXX XXXX was found to be in fault and all loans were to be XXXX. XXXX of my loans were XXXX but XXXX remain that are listed as XXXX XXXX. I have been chasing this for a year now. Aid Advantage acknowledged and presented a letter that loans XXXX & XXXX XXXX would be discharged. To date nothing has happened. All these loans originated with the XXXX XXXX XXXX XXXX  ; another faulty school/ They transferred these loans to XXXX XXXX XXXX found at fault. All within the penalty timeframe. All these loans should be XXXX as noted and presented in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX Currently have fraudulent accounts and inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon reviewing my consumer/credit reports I noticed there are incorrect names and addresses being reported by all XXXX bureaus without my permissible purpose or their knowledge of the information to be true.

Company response to consumer: In progress
Consumer complaint received 2023-05-03
Company: Advantage Collection Professionals, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I applied for the American Express EveryDay card. The bonus I was offered was XXXX points after {$2000.00} in spend in 3 months. On XX/XX/XXXX I noticed XXXX points had been deposited into my account with a description of Amex EveryDay $ XXXX spnd/XXXX MR . Since this appeared wrong I contacted customer service to see if the balance would be deposited when I met the {$2000.00} spend since I hadn't met it yet and she indicated I had signed up for a different offer. I explained that I had in fact signed up for the XXXX point offer and even had a screenshot of the application. She offered to submit a ticket to have it resolved and that it would take up to 2 billing cycles for resolution. As of XX/XX/XXXX I had  not received the remaining XXXX points so I chatted with a rep by the name of XXXX using online chat. He indicated the ticket has been researched and closed indicating they wouldn't give me the balance. I asked him to open a new one. As of XX/XX/XXXX I still had not received the balance or any contact from the company regarding any of these tickets so I once again chatted online and was told the second ticket was also closed and they weren't giving me the remaining points. I called customer service on XX/XX/XXXX as  well and after a period of time on hold the rep explained he couldn't do anything more and he had also spoke with his supervisor who also said they couldn't do anything more. They advised that I write a corporate complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
this is the 3rd time you've tried to collect something that is over 7 years old and you're falsifying the information you're putting on my credit report. This was disputed and removed before and no notification was received of this debt. I'm tired of going thru this and won't the item permanently deleted or I will file a lawsuit ALSO no notification of this debt being placed back on my report and per the law, you are required to notify me .. Then you report it as a fresh debt opened on XX/XX/2020 and THAT IS FALSE. THE DEBT IS NO LONGER VALID PER STATUE OF LIMITATION PLEASE DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Every month they were taking a maintenance fee out of my account when I wasnt supposed to be charged for a maintenance fee. This fee cause me to be over drawn on several occasions and have an overdraft fee.

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 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I regularly check my credit reports and noticed that Transunion is now reporting a debt that is over 15 years old with the last activity on the account in XXXX. I previously had to dispute this debt when the previous collection agency tried to add it to my credit reports in XXXX, when it was already over nine years past the credit reporting limit. 
A new collection agency, XXXX XXXX XXXX, apparently purchased the account and is illegally trying to " re-age '' the debt, stating that it is four months old, rather than more than 15 years old. No date of last payment, date of last activity, or other pertinent information is included-just an amount and the illegally " re-aged '' date of four months ago, even though the account is older than 15 years ( well over the 7.5-year credit reporting limit ). 
I'm not sure how or why Transunion allowed this, but I am submitting this complaint in order to get them to immediately remove this illegally re-aged account. I am currently in the process of applying for a mortgage and my XXXX credit report shows a soft inquiry from XXXX XXXX XXXX within the last month. I'm assuming they are trying to re-age the debt in hopes that I am not familiar with the laws and using this scare tactic to try to force payment of an illegally re-aged 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was added as an Authorized User to another persons card but XXXX XXXX put a hard inquiry on my credit report for a new account that I never applied for. The card is closed and I want the inquiries and negative effects off of my credit report. I NEVER applied to open an account or card with them. Misuse of my personal information.

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 2023-05-03
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As for today I have disputed this alleged debt with this creditor Caine & weiner company to investigate this alleged debt inwhich they claimed to valid this debt of XXXX dollars I asked in reply to their investigation for a method of validation of debt on which a bill was sent back as validation only to have the wrong amount on the bill as of XXXX dollars I replied to reinvestigate this matter in the meantime delete this account inwhich it was twice and as of today put back on my report despite the inaccurate information

Company response to consumer: Closed with explanation