BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-16
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:
A travel trip was planned on XX/XX/2020. All international Travel by Federal order from the US Government on XX/XX/XXXX all International non-essential trips were forbidden due to the current pandemic situation. 
I had used " XXXX '' travel services to reserve some hotel stays. Before the trip, on XX/XX/XXXX I asked " XXXX '' to cancel my reservations and refund me explaining what the US Government had resolved on prohibiting all non-essential international travel trips. I also contacted my Bank of America Credit Card to let them know all international travel outside the US had been cancelled by the US Government. I filed a claim with Bank of America Credit Card to dispute the Hotel charges coming up in the future days. Bank of America Credit Card Services took my claim and decided to follow a dispute on my behalf. The dispute was going to take up to 60 days to get resolution. The 60 days were up this past Monday. The credit for {$240.00} was there all the way up to XX/XX/XXXX. Then, this XX/XX/XXXX Bank of America Credit Card presented this same {$240.00} charge again into my account. I called Bank of America Credit Card once again today XX/XX/XXXX until they accepted my dispute once more for the same reasons described above. Yet, Bank of America Credit Card services knowing all these exceptional reasons of a once in a lifetime pandemic situation that has made many Countries in the world to change their Travel policies and cancel many trips shall have honored the dispute without avail.

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 2020-09-01
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: Account status incorrect

Complaint:
On XX/XX/2020, i entered into an agreement with XXXX XXXX XXXX account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if Paid and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript  be obtained if needed. I have Verbal Authorization on my XXXX XXXX acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told XXXX XXXX to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. thank you

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 2019-08-13
Company: EQUIFAX, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
I mailed letters to both XXXX, Equifax, and XXXX asking them to furnish -- within 15 days -- their information as to how they verified a Chapter XXXX Bankruptcy on my credit report. The letters were mailed out on XX/XX/XXXX. In addition to not receiving a response from any of the bureaus on the verification method, I also pointed out inaccuracies in how they all reported it in separate letters. There have not been any responses, changes, or deletions made as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/2020, i entered into an agreement with XXXX XXXX XXXX account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if XXXX and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript  be obtained if needed. I have Verbal Authorization on my XXXX XXXX acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told XXXX XXXX to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: EQUIFAX, INC.
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 have sent a certified letter to XXXX, XXXX, and Equifax disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, XXXX, and Equifax failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: MO
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: Investigation took more than 30 days

Complaint:
I mailed letters to both Experian, XXXX, and XXXX asking them to furnish -- within 15 days -- their information as to how they verified a Chapter XXXX Bankruptcy on my credit report. The letters were mailed out on XX/XX/XXXX. In addition to not receiving a response from any of the bureaus on the verification method, I also pointed out inaccuracies in how they all reported it in separate letters. There have not been any responses, changes, or deletions made as a result.

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 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
I mailed letters to both XXXX, XXXX, and Transunion asking them to furnish -- within 15 days -- their information as to how they verified a Chapter XXXX Bankruptcy on my credit report. The letters were mailed out on XX/XX/XXXX. In addition to not receiving a response from any of the bureaus on the verification method, I also pointed out inaccuracies in how they all reported it in separate letters. There have not been any responses, changes, or deletions made as a result.

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 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/2020, i entered into an agreement with XXXX XXXX XXXX account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if Paid and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript be obtained if needed. I have Verbal Authorization on my XXXX XXXX acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told XXXX XXXX to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. thank you

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 2019-02-26
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
First of all, it is very difficult to speak to someone at American Express they are transferring you to multiple reps that are not assisting you, I have several inquiries that were administered by American Express upon applying for 1 card with that being said I am a victim of identity fraud and what is happening before the company speaks with you they are already doing a hard pull before speaking with me and once they speak with you they are doing another hard pull after speaking with me why is the company doing multiple inquiries within 1 week when I only applied for 1 business card but there were 2 additional inquiries done and none was able to explain, they give you credit fraud information phone number and they will state to call credit bureau, you call the credit bureau and they state call American Express since the inquiry came from them. All I ask if American express removes the inquiries as I had no other additional service but the 1 card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a dept owed to XXXX XXXX of {$550.00} for XXXX on XX/XX/2018. I then received noticed of collections for the same bill from Penn Collections for the same amount on XX/XX/2018 for XXXX. This debt is showed as paid on my credit report and I want the Penn collections for the same bill removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've sent numerous letters to Transunion over the course of 60 days. I'm trying to get this junk off my report and no reply from Transunion that is violating my right with the FAIR CREDIT REPORTING ACT. 
I've never lived at any of the addresses or had any of the telephone numbers listed on my report. My family I owned a piece of land and has so since I could remember so them addresses need to be removed off my report. Inside the letters I sent included my ID my SS card and a bank statement confirming my identity

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 2020-05-21
Company: Experian Information Solutions Inc.
State: TX
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:
remove the ftc violation on ftc 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 2018-04-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The servicing of my private students loans ( originally acquired through XXXX and then transferred to XXXX and now very recently to Navient ) has left me confused. I'm currently a PhD student. One of my loans was in in-school deferment at the time it was transferred to Navient. Although their FAQ says they will not change the status of a loan from deferment to repayment upon transfer, they did exactly that. I reached out through email about 3 weeks ago, and I have yet to receive a response. They emailed me back, noting that my email was received ( and that they would respond as soon as possible ), but they have not responded. I prefer contact through writing, not to be difficult, but so that I have a record of what is being discussed ( protecting my rights ), as phone conversations alone can not be trusted. It seems to be exceedingly difficult to contact through means other than phone ( and even that is not guaranteed ). Also, no info was provided about the changing status of my loan from deferment to active (? ). Customer service is inept, confusing, and threatening. The constant juggling of my loans from one servicer to another is hard to follow. Please act on this and help many borrowers, including myself, as we deal with these issues on a daily basis ... simply trying to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
onXX/XX/XXXX I made a online payment in the amount of= {$740.00} to Santander consumer, usa through there online website through there XXXX XXXX payment online option, received a confirmation # XXXX, that the payment was received through my visa debit card, this amount was the remaining balance of my car loan paid-in-full, my online acct with Santander consumer. usa stated that my loan was paid and closed onXX/XX/XXXX, approx., 2-3 days after I received an e-mail from Santander consumer, usa stated that iowed them {$730.00} I called Santander consumer onXX/XX/XXXX concerning the payment, the claim they did not receive the payment, I stated to them I had proof it was sent to them through their XXXX XXXX online payment option. which I have been using to pay my car payment ever since I had the loan in XX/XX/XXXX and the never claim they had any problem receiving my payment up until now when I sent them the last payment of the loan, they requested a copy of my bank statement showing proof that the money was taking out of my checking acct I fax the copy to them onXX/XX/XXXX, the banking statement indicated that the money was taken out of my checking acct onXX/XX/XXXX -atm w/d # XXXX XXXX -Santander consumer, usa, I call them that same day I sent a copy of my proof of bank statement to see if they had receive it, they stated that they did receive the bank statement, for me to call back in 3 business days, I called them back on XX/XX/XXXX, they stated that they was still looking into the matter, all I have been getting from these people/company is the run around, I have all my proof that the money was sent to them and they did receive it, but they are doing something illegal, to try and keep my money payment, they even sent me a refund check and a Release of Lien paper, along with a Maryland notice of security Interest filing , whatever that is it looks like a title Document, but it states on the document that it is not a title, these company have scam so many customers out of money, that I can't understand why they are still in Business, i'm out of $ XXXX they just stole from me, but they are not going to get away with this. this company needs to be investigated thoroughly, how can they just take customer money and keep getting away with it, they have to be stopped and held accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
1. Citi bank closed my credit card without notice on XX/XX/2018 2. Citi bank claimed that they closed my account base on the way i made payment after I submit the complaint. 

I am sure I made payment on time 99.5 percent of time. The reason citibank told me was an excuse. Please provided me all my bad payment history and also pay me back {$81.00} Costco rewards.

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 2020-05-21
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My ( now ex ) wife and I were cajoled into consolidating our federal education loans in XXXX. We had paid as agreed for many, many years, over {$110000.00} we have paid. We separated in XXXX and divorced in XXXX but continued payments for several years. Unfortunately, we had severe financial difficulties due to the divorce, I had to file bankruptcy, etc. Nonetheless, we paid until a deferral was granted. After a brief deferral we got into better shape financially and started back on income based payments. Dealing with AES/PHEA was ridiculous. They are the worst servicer on the planet. We had trouble since the XXXX consolidation and ever since. Nonetheless, after quite a bit of hard work, we got the income based payment plan set. I pay half and my ex-spouse pays half in separate payments. I have not had issues with my payments but after several months of not having payment issues my ex started having her payments rejected for no reason. These were auto paid through the bank. The bank stated they had no changes, no issues. AES, however, would never communicate. For months and after over 100 emails, letters, faxes, calls, no response. Then they closed the call center in early XXXX due to Covid so no more calls. After at least another 100 emails, faxes, writings, etc. We started getting generic, computer generated responses which did nothing. IN the meantime they sent at least 10 emails and 4 letters a month telling us we were late and gave us late charges. Long story short, after several months, just recently, they somewhat acknowledged the issue but did nothing in response. In the interim, we sent payments directly. We were fully caught up but still have the late charges and they still send notices although they stated we were not past due. NOW, they have pulled a completely different scam. If you have seen the email they sent out about Covid ( and if not I will send it to you ) you will see it says NOTHING about CARES Act, instead saying to " contact them if you have been affected '', which is nearly impossible. NOT ONE TIME do they state the CARES Act defers payment with no interest. My ex was contacted by them and told she needed to fill out a Forbearance for the CARES Act!!! Which she did before speaking to me. So NOW our loan shows as being in forbearance which is completely false as it is suspended under the CARES Act. Not only that, BUT THEY ARE CAPITALIZING INTEREST! They are doing that because it is coded as a FORBEARANCE. This servicer is, has been and always will be a fraud, a scam a stain on the US Dept of Ed, I can not understand for the life of me, after all they have done wrong over the last 20 years why the US Dept of Ed lets them service their loans. And people like us are just ignored as they go about their fraud. WE NEED ASSISTANCE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Hello, My name is XXXX XXXX. I am writing this complaint regarding Barclays Bank Delaware. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME.

They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020.

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