BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-20
Company: CITIBANK, N.A.
State: VA
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:
Citi Double Cash Card - Denial of promotional offer after meeting eligibility requirement : XX/XX/XXXX - An application was submitted in citibank.com ( Application ID # XXXX ) applying for the Citi Double Cash Card with a promotional offer of {$150.00} to be credited to the account on the condition that {$500.00} is charged within the first 3 months after activation of the card. 

XX/XX/XXXX - application is approved. 

XX/XX/XXXX - {$1000.00} is charged to the card. 

XX/XX/XXXX - I contacted the Citibank Customer Service team and was informed the promotional offer was not on my account. I was told I had to prove I used the correct link when applying. I explained I had no way of proving that and can not control that advertising links are correctly linked on their network. I filed a complaint to be internally reviewed and processed adamantly explaining the offer was on the citibank page when clicked. 

XX/XX/XXXX, Citibank sent a letter stating the account is not enrolled in the offer to receive the {$150.00} cash bank promotion and it states I did not apply using the correct link. 

XX/XX/XXXX - I called Customer Service again and was forwarded to a manager who explained I can file another complaint internally but would not get any different results. She explained Citibank would just mail me the same letter. 

I also wish to add that I have no credit card debt whatsoever along with a very high credit score, and am solely filing this complaint as a matter of principle. I feel defrauded entering into a contract with the promise of an award never realized. Consumers have no ability to control the advertising links on these offers as they are directed onto the Citibank network and are easily subject to fraud. Citibank makes no apology and shockingly asks consumers to provide information about their own network - clearly outside the control of the consumer.

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 2018-01-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
upon dismissal XX/XX/XXXX of employment at XXXX XXXX XXXX, i was sat down under duress and was told and directed to sign a promissory note to pay back company in loss prevention. i do not owe the company money as i did not commit the monetary fraudulent transactions. This action lacked consideration. i was interrogated for over 3 hours and was held against will, no food, water, or bathroom was given to me upon requesting. The individual took my cell phone was going through it provoking me, making me fearful of never seeing my kids again, threatening me throwing papers around the room, he was demeaning and intimidating me. i would not voluntarily sign anything, and my original statement was ripped up. This action was reviewed by court on XX/XX/XXXX and my case was credible and i was gained my unemployment benefits.

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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX and sent a follow up Letter dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I am submitting this compalaint requesting that the Credit Bureaus correct the following items to protect my rights under the Federal Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX DEPTEDXXXX XXXX XXXX : {$1200.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 signed up for credit reporting with transunion and when I tried to cancel it yesterday on the phone it didnt allow me to, now it charged me XXXX dollars for something I didnt want. 
Ive tried to stop the credit reporting but it doesnt stop.

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 monetary relief
Consumer complaint received 2019-05-14
Company: MOHELA
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: Their investigation did not fix an error on your report

Complaint:
My account was on auto pay. Mohela says they stopped taking payments from my back account after having a letter they sent to me returned, although there was no change to my address. I made several requests for documentation of the returned letter in question to determine if it ever existed and, if so, to see why it was returned. They were unable to produce any documentation or explanation. I was unaware that the payments werent being debited as the emails they sent went to a junk folder. They admitted in my conversations with them that they never called my cell phone, which was accurately labeled as my current primary phone number, because their guidelines dont allow them to make automated calls to cell phones without some sort of prior authorization. Furthermore, they declined to have a human call me instead. Rather, they made three ( 3 ) robocalls to an old work number which was labeled alternate and no longer valid. 

So, in fact, Mohela did not adequately attempt to inform me by mail, phone and email that they were stopping the automatic payments, and therefore I was unawarecausing the account to inadvertently go into default. 

I wish to appeal and escalate this decision, so that the facts can be obtained and my credit report cleared of the negative reporting ( my FICO score decreased by 58 pts ) that resulted from Mohelas negligence in this case. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: MRS BPO, LLC
State: NJ
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:
Account # XXXX was closed. We received numerous from their collection agency. We paid it off on XX/XX/2021. They harassed us to pay this bill. We paid MRS BPO and they told us that within 10 days we would have the information updated on our report. That was not true. When we tried to speak to XXXX  XXXX about this, they said they have nothing to do with it. Now XXXX XXXX is holding our money and acting as if no payment has been received by them. They received the funds on the XXXX from MRS BPO. Our credit is being hostage even though we have paid this off. They are not updating our credit report on time. They said they clear this up within 30 days but that is not true. They say and do anything to get money from clients but then hold those funds and not report that accounts are closed. They are updating 60 to 90 days after the fact even though the money was received immediately. Someone should investigate XXXX XXXX AND MRS BPO for fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: ALLIANT CREDIT UNION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received an email from Alliant today advising me Alliant reversed XXXX XXXX values back to their previous level for Alliant XXXX XXXX XXXX points. It states " Additionally, we are issuing a points credit to your account so you will experience no point-value loss overall '' I called in XXXX to downgrade my Alliant XXXX XXXX to XXXX  as a result of Aliant 's decision to devalue points. I explained to the XXXX this was the sole reason for my downgrade. 

How will I be credited back for the points now that my card is downgraded to XXXX. 

I have already contacted the company and to date my only answer from them is " we need more time. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: AZ
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX and sent a follow up Letter dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I am submitting this compalaint requesting that the Credit Bureaus correct the following items to protect my rights under the Federal Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX DEPTEDXXXX  XXXX XXXX : {$1200.00} DEPTEDXXXX  XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a request for debt VALIDATION not verification to LVNV Funding LLC regarding a debt they claim I owe them. In return they gave forwarded my request to a third party company Resurgent Capital Services who sent absolutely no validation not verification of any debt. I specifically asked for a signed document or supporting evidence that shows I am indeed the party they are seeking to pay this debt. Resurgent Capital Services only sent me a statement saying they manage the referenced account I inquired about and an amount owed. They are reporting delinquent information to the three major credit bureaus ( XXXX, XXXX, XXXX ) that I would like removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: EQUIFAX, INC.
State: CA
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:
In early XXXX of XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under a new XXXX partnership. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone umber. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than 10 separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX filed with claim representative XXXX XXXX. report number XXXX, contact number XXXX. I was promised resolution within 10 days and never received any further contact Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
seterus inc was replaced XXXX XXXX due to fraud with my mtg saying that i was not paying my mtg when i was documenting all payments via XXXX XXXX service center agent nevertheless {$40000.00} was added to my mortgage when the remaining mortgage was only $ 40,000.I have documentation and so does XXXX, XXXX XXXX file foreclosure and switch me to Seterus inc where the fraud continued. Seterus inc contacted me XX/XX/XXXX stating that they have money that's owed to me and i need it all now. in fact i need both XXXX XXXXXXXX and Seterus Inc clear the Foreclosure off my credit report completely and reimburse me the full amount they really owe with pain and suffering.my wife called about the reimbursement of the check she was told she could not speak on my behalf therefore we sent a letter into the corresponding inquiries and notices Department in XXXX Connecticut.three weeks & we never got a response.I called in on XX/XX/2019 and was told they had no information loan number XXXX XXXX XXXX XXXX & address no checks. 3 cks 1 ) # XXXX {$2900.00} 2 # {$120.00} 3rd check {$46.00} # XXXX ( please acount for all fraudulent fees charged in fake foreclosure forced me to refinance when I only owed around 40,000 ) I saved all my documented proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance {$0.00}

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 2018-01-23
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midwest Recovery VIOLATED my rights under the FDCPA. I was never notified in writing of this debt, this debt is over 10 years old, I disputed with XXXX as this is a RE-INSERTION of a debt, they never notified me this was going to be done. I have filed complaints with the BBB against Midwest Recovery and XXXX XXXX. I just spoke to a XXXX XXXX Rep and asked why I was never notified in writing of this re-insertion. I want this removed from my credit report immediately, first and foremost for violating my rights. Midwest Recovery should lose their license!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CITIBANK, N.A.
State: CT
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:
Hi Had purchased an air ticket using by Citibank premeir thank you card. The flight was cancelled and i have been calling citi to issue me a refund of the ticket and they have not replied. Its over {$800.00} and i dont have resolultion.I have made several phone call to the citi help desk over 2 hours long. they always say they will give me a call back but they never do. its been over a year.

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 2019-10-23
Company: ATLANTIC UNION BANKSHARES CORPORATION
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: Reporting company used your report improperly

Complaint:
XX/XX/2017 ATLANTIC UNION BANK XXXX XXXX XXXX XXXX XXXX FKA UNION BANK & TRUST XXXX, VA XXXX XXXX This company accessed a HARD INQUIRY on my credit report ( S ) and was NOT authorized to do so. The company refuses to remove the inquiry and it has caused undue hardship and added negative effects to my ability to maintain my credit score. This company attempted to take me to court for an action that was not mine and was over ten years old, and this company did not succeed in the attempt per the state of Virginias legal services. Please help me have this removed and compensated for the damage caused.

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 2020-02-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
USAA advertises ZERO LIABILITY for fraud. USAA has left me liable for fraud charges that occurred beginning XX/XX/XXXX. See attatched 4 four Letters. Three dated XX/XX/XXXX that give card ending XXXX Transaction date XX/XX/XXXX {$15.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$17.00} XXXX. Kindly Note All three of these transaction charges and dates ** are included in what I reported UNAUTHORIZED. There were {$470.00} total reported fraud by me sometime in XX/XX/XXXX I am thinking. My XXXX statement closed XX/XX/XXXX The statement would have reached me XXXX first week. I do not have an elaborate computer as USAA does to document dates I called fraud. I have a XXXX  XXXX as well AND APOLOGIZE IN ADVANCE that I have No Access due to my XXXX. The letter dated XX/XX/XXXX DOCUMENTED MY CLAIM DATE AS XX/XX/XXXX. I based my info on USAA documentation. What I do KNOW : The card ended XXXX in XX/XX/XXXX. The letters XX/XX/XXXX ALL CREDITS WERE BACK ON CARD AGAIN XX/XX/XXXX as New Purchases. Permanet was Not permanet. NO USAA CREDITS have appeared on statements from XX/XX/XXXX to XX/XX/XXXX LISTED AS TOTAL PAYMENTS AND CREDITS for this period. AND What ever date I did really report {$470.00} UNAUTHORIZED MY FRAUD card XXXX WAS ALTERED to DISPUTES on card XXXX AND ONLY {$59.00} credits were given when I reported {$470.00}. AND THEY WERE BACK ON CARD XX/XX/XXXX DISPUTE NOT IN MY FAVOR. USAAs INFORMATION IS NOT HONEST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation