BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
American Express first issued a credit for the dispute and then clawing it back the credit for IN BREACH of own policies. American Express must accept full responsibility for its dodging tactics and not timely passing of information to Merchant.

Point 1. American Express did not provide any information for that and the following behaviour : I have submitted a valid dispute on XXXX XXXX XXXX ( XXXX ) which was closed in under 24 hours without giving a chance to upload. I have called and opened a subsequent dispute XX/XX/XXXX XX/XX/XXXX. I have uploaded all supporting documentation XX/XX/2020 ( XXXX ) and re-uploaded XX/XX/XXXX ( XXXX ) and XXXX XXXX, XXXX ( XXXX ). AMEX REPRESENTATIVES ON THE PHONE CONFIRMED TO ME THAT THEY SEE DOCUMENTS UPLOADED ( I CALLED TO FOLLOW UP AFTER 24HOURS ), HOWEVER AMEX DISPUTES TEAM KEPT SENDING MESSAGES THAT THEY HAVE NOT RECEIVED ANY DOCUMENTS. The outcome of billing investigation was simply a dodging response that American Express not received documents. 

Point 2. I have been lied and misinformed by American Express representatives that the dispute is aged and therefore, closed. I had to investigate into American Express Chargeback polices myself. For Goods And Services Not Received ( Reason Code 4554 ). the date the Card Member expected to receive goods and/or services, or the date the Card Member became aware that the expected goods and/or services would not be provided ( not exceeding five hundred and forty ( 540 ) days from the date XXXX XXXX XXXX  processed the Transaction ). The policy is very clear that I have 120 days FROM THE DATE EXPECTED TO RECEIVE SERVICES, not just from the date of the Transaction. 

Point 3. The Merchant ( XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX XXXX is XXXX XXXX XXXX and under EC Regulation 261 it is illegal to withhold a full cash refund. The XXXX XXXX XXXX guidelines for COVID-19 situation were repeated in Communication Ref C ( 2020 ) 1830. It continues to be illegal to withhold any money as refund penalties for this forced cancellation. It was illegal to force customers to apply for vouchers only on the airline own website. I do not accept a meagre {$640.00} credit from the Merchant. The airline was unable to service the reservation altogether and was not possible to reach in XXXX XXXX  ( call centre closed, airport counters refusing to help ). The airline did not respond to several of my complaint tickets raised on their own website ( XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I took out XXXX loans for my children 's educations. In XXXX I consolidated those loans with XXXX using the Federal Family Education Loan Program. The XXXX loans totaled {$43000.00} at that point. The loans were then taken over by XXXX and serviced by ACS, apparently XXXX separate institutions. In XX/XX/XXXX I kept calling XXXX to ask why the principal was still so high. They refused to provide any information despite my repeated requests. In protest I refused to make payments until they provided that information. This caused the loan to go into default, and XXXX XXXX then began servicing the loan. 
XXXX attempted collections with the principal set at {$42000.00}. I have paid {$22000.00} on these loans from XX/XX/XXXX-XX/XX/XXXX. The principal went down by less than {$1000.00} despite the payments. I understand the interest is paid first before the principal, and my repayment plan was for 15 years but this was wrong. 
My son is an attorney and he helped me negotiate with XXXX, but they were unwilling to modify the principal and added over {$8000.00} in collection costs that we were told were also non-negotiable. 
XXXX held a garnishment hearing where I sent in all the loan information ACS finally provided a week before the hearing. After almost two years of requesting the loan payment information they provided it in XX/XX/XXXX ( despite postmarking it in XX/XX/XXXX they never sent it until we made repeated phone calls all summer ). 
Even after providing this information at the hearing and providing a thorough explanation of the situation, the hearing evaluator XXXX XXXX from XXXX still ruled against us. I 'm XXXX, now owe far more than I ever took out, made over {$20000.00} in payments, and I will have no spare income because I tried to do what was right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: PA
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 am writing to inform you that you are in violation of Federal Statute and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request.

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by [ RecipientName ], for account number XXXX  XXXX XXXX Account number XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws. 

Please remove account as soon as possible, because this account is fraud and never belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company that handles my home loan ( PennyMac ), is not reporting my account status correctly to any of the credit bureaus. I filed for CHAPTER XXXX BANKRUPTCY in XX/XX/2016. During the process, my attorney and I requested a reaffirmation agreement from PennyMac. They never responded and never requested one be filed. They continued to send monthly billing statements as per usual, so no problem was ever realized. Only after my bankruptcy was discharged, did I come to find out, that PennyMac now reports my loan and " DEROGATORY/CLOSED ''. Both myself and my attorney have reached out to PennyMac, with no positive outcome to come from the communication. I have continued to make my monthly mortgage payments on time. My account is and has been paid up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: ACS Education Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
ACS purchased my loan from XXXX and noticed was not given in a timely manner. When I did receive notice, I faxed my deferment forms to ACS as I did with my other lenders. Last year, I consolidated all my loans with XXXX and ACS was paid in full and my account was deemed closed and paid. Earlier this year, I reviewed my credit report and noticed late postings from ACS on my credit report. I disputed the late reports due to my filing for a deferment during those time periods and requested a review of my account status from the credit bureaus and ACS. On XX/XX/2016 ACS re-labeled my paid accounts as delinquent! After contacting ACS numerous times over the next month I was finally put in contact with an account manager who stated that she would look into my situation. In reality, I had to keep in contact with her and send numerous inquiries to XXXX and XXXX disputing the accounts. Eventually, one of ACS accounts was put back on paid/closed/current status but the other account is still showing delinquent status even when it has been paid and closed. It is not showing the final payment and thus harming my credit. This is beyond the disputed late months that I was initially disputing with ACS and it seems to be in retaliation of my initial disputes. The ACS representative even informed me that they sometime misplace or lose the faxed deferment forms and if I could find my copy it would help but as I explained to her those forms were faxed years ago. In addition, I explained that regardless of my disputes of being reported late my account was in current status showing paid and closed and after my disputes they became delinquent which is not legal. 
In closing, I am requesting the CFPB to investigate my claim and account, return my accounts back to current and not delinquent as shown by XXXX and XXXX due to the information provided by ACS and also have ACS remove those late reports as my other student loans during those same time periods show current or paid due to the deferments that were in place. ACS more than likely overcharged me due to their practices but since they have already received their funds I just want my accounts to reflect the rightful status

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My house is in escrow and also up for auction by PennyMac. The bank has been unwilling to allow an extension since the house is scheduled to close five days past auction date. We are seeking payoff instructions but the bank has been unwilling to provide. I 've called daily and provided all necessary supporting documents. PennyMac has not provided any assistance to help us resolve the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX they refused to remove these accounts because the are old and they been on my report since XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The company is Receivables Performance Management, LLCThis company is trying to collect on XXXX cell phone bills that I do not owe. And they do not have the right to practice debt collection in Texas. I have sent them letters but they keep reporting that they have validated the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Academy Mortgage Corporation
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Lender said that the Mortgage payment was XXXX. After closing, they said my payment was XXXX for the first payment. I could n't find out why so I called and they said they would fix it. They called back and said that PMI was left off of the and that I had to pay it. I thought that the XXXX included the PMI and my closing documents do n't say anything about PMI.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On my Transunion credit report, there are XXXX adverse accounts According to this report : XXXX. Both balances are over {$600.00} as of XXXX, XXXX. 
Date opened XXXX/XXXX/XXXX. Revolving account. 
This account is unfamiliar to me. I have never even used a XXXX XXXX card. I have tried to find information on the details of the transactions on this card, with no success. I will pay the balance on this card if it can shown to me that I used it. To my current knowledge, this card was never used by me. I 'm upset by this. My credit score has suffered greatly due to this matter. 
Including losing XXXX XXXX XXXX XXXX cards due to my low 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 non-monetary relief
Consumer complaint received 2020-08-11
Company: Ad Astra Recovery Services Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i REPEATEDLY HAVE SUBMITTED DISPUTES ON PRESTIGE FINANCIAL SVC. IN REGARDS TO WHAT THEY ARE REPORTING, AND I HAVE FILED DISPUTES WITH XXXX, XXXX XXXX, AND XXXX. PRESTIGE HAD CHARGED OFF THE ACCOUNT IN XX/XX/2018. THE BALANCE AT THAT POINT WAS XXXX. THE ACCOUNT IS CHARGED OFF AND CLOSED. PRESTIGE CONTINUES TO ADD PAYMENTS EVERY MONTH AND REPORTS IT TO XXXX WHO LISTS THIS INCREASING BALANCE, THE BALANCE INCREASES, IT IS THE ORIGINAL CREDITOR. I UNDERSTAND THEY HAVE THE RIGHT TO COLLECT THE XXXX HOWEVER THEY DO NOT HAVE THE RIGHT TO KEEP ADDING FEES EQUIVELANT TO MY CAR PAYMENT, I HAVE ASKED REPEATEDLY FROM PRESTIGE AND XXXX TO VALIDATE THAT THEY HAVE THAT RIGHT IN MY CONTRACT TO DO SO, HOWEVER NO ONE WILL SHOW ME MY SIGNED DATED CONTRACT AUTHORIZING THE CHARGES AS IS MY RIGHT TO RECEIVE. AT THIS POINT I WANT THEM REMOVED FROM ALL BUREAUS THEY REPORT TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2016-01-24
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Close to six years ago, I moved out of an apartment. I notified the utilities of the shut off date that I needed. A few years later when purchasing a vehicle I noticed that there were negatives being reported from the utilities I contacted the utilities and even though I did not owe the money, I agreed to pay the amount showing due, to clear the accounts. 
I was also advised that my deposit had been converted to cover the balance, and I was paying the amount remaining. It was made abundantly clear I disputed the balance and I asked for a investigation, so my payment ( s ) could be refunded. 
I never received follow up communications and it was only until recently, and much to my surprise and shock, only XXXX account was showing, an XXXX account, was shown as paid in full, but they still noted it was after charged-off ( even though this is unfair, I am not disputing that accunt ). 
The following accounts were paid in full, EVEN THOUGH I DID NOT OWE THEM, many years ago : XXXX XXXX 's tradeline that I owed to them the amount of {$220.00}, and XXXX tradeline that I owed to them the amount of {$130.00}. 
I disputed the following accounts on XXXX XXXX, 2016, and less than 24 hours later I received notification that Equifax 's investigation was complete and the accounts and amounts owed were accurate and complete. 
Equifax has a private contractual arbitration clause in their contract. I have already made my written demand, as required by their contract, to start the arbitration process. 
As Equifax testified to in in XXXX Equifax Information Services LLC, 3:11-cv-01231, that their policy is " [ t ] o take corrective actions to correct a consumer 's report is only undertaken if a civil action is filed, '' I do n't anticipate this complaint doing much good, in the short term, but I want to use their response to your agency in my Complaint. 
I am seeking punitive damages for willful violations of the FCRA and refusing to remove the inaccurate accounts from my reports, after this Complaint to your agency, will help establish the " willfulness '' element. 
I do not owe the amount alleged and even if I did owe it, it was paid long ago. 
Thank You for any assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: NC
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:
mailed removal letters XX/XX/XXXX about old accounts that have been on my credit report since XX/XX/XXXX about these accounts ALL THESE ACCOUNTS HAVE BEEN ON MY CREDIT REPORT SINCE XX/XX/XXXX. PLEASE DELETE AND REMOVE XXXX XXXXXXXX XXXX # XXXX US DEPT OF EDXXXX # XXXX US DEPT OF EDXXXX # XXXX US DEPT OF ED/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 2022-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been disputing the late payments showing on my account for Capital One Bank USA which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018, CHASE made an inquiry into my XXXX file without my authorization or knowledge. CHASE has acknowledged that a fraudulent application for credit was submitted using my personal information, they contacted me when they caught that it was fraudulent, and agreed to delete their unauthorized inquiry but have failed/refused to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: LOAN TO LEARN
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into a contract to settle a private student loan debt with Educap Inc. ( doing  business in California as " Loan to Learn '' ) brokered through Educap , Inc. 's loan servicer and debt collector law firm, XXXX XXXX. The terms of the settlement are well documented, specifying the monthly payment, down payment, as well as confirmation that there will be no other interest added. I paid the debt in full and have confirmation from XXXX XXXX about my payment. I contacted XXXX XXXX many times to provide an updated paid off account summary and received no response. Despite making full payment, XXXX XXXX reported my debt as delinquent to credit bureaus, falsely alleged I owed over {$7000.00}, and sold my debt to collections XXXX XXXX XXXX XXXX XXXX XXXX, who now falsely allege the debt is verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The accounts in question are XXXX XXXX ( XXXX ) The statue of reporting has expired as of XXXX/XXXX/XXXX and it remains on my credit report. 
XXXX XXXX ( XXXX ) The orginal account was charged off since XXXX XXXX and both accounts are reporting and its passed the staue. 
XXXX ( XXXX ) Reporting pass the statue.Original delinquency wasXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Fifth third bank is not willing to delete escrow- requested to have an appraisal done. Was advised the appraisal request will be mailed to mailing address. The form was never mailed. Every-time I call to speak to someone about the appraisal form we are told it was mailed to you please wait 5-7 days. 
Initial request for appraisal XX/XX/2020 2nd request XX/XX/2020 3rd request XX/XX/2020- Spoke to another supervisor who stated - no appraisal form Was sent.

Company response to consumer: Closed with explanation