BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: CITIBANK, N.A.
State: CA
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 have been a Citi customer for almost two years. I have the Citi prestige credit card. One of the benefits of the card is an annual credit of {$250.00} per calendar year everytime the card holder. On XXXX XXXX, 2018, I was issued a credit refund of {$250.00} from Citi which was to come in the form of a check to the mailing address I have on file. It was supposed to have been at my address 7-10 business days. The latest I should have received this was on XX/XX/XXXX. I contacted Citi through their chat and I was told to wait a few more days. I waited until XX/XX/XXXX and was fed up, I contacted Citi again, they told me that the check was " abandoned ''. I verified my address on file and it was correct. I was told that I would have to wait two days for the funds to go back into my account. I could then contact chat again for a direct deposit since obviously, the mailing check option did not work. I contacted Citi in two days and was told to wait another two days. On XX/XX/XXXX, I spoke to a rep, she told me a check has been processed. I was extremely frustrated at this point. I expressed my frustration to the rep and explained why I was upset with the follow up. A rep promised me I would be getting direct deposit because I did not feel safe being sent checks since Citi did not even know it was " abandoned '' until I said something and it has been about a month for me to even be sent this credit back. The rep closed the chat on me, it was at this point that I felt powerless and I had to go through another avenue for followup. I hope the CFPB can assist with this. I do not plan on going forward with Citi at this point. I have been with Citi for about two years, they were one of my first credit cards. Unfortunately, I do not matter to them and the safety of my funds is not important to them as evidenced by the terrible follow up and the fact that a rep closed the chat on me.

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 2019-05-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Funding LLC is trying to collect XXXX on an account that was originally a XXXX XXXX credit card. They are suing me for an account that is not mine!. Case number is XXXX filed XX/XX/XXXX. Midland Fundings phone is XXXX XXXX. My credit took a huge drop. XXXX XXXX credit card was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-06-30
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Attempted to transfer emergency funds to my child via XXXX and I was told PNC no longer allows these transfers. It's my money and I'll be leaving PNC. I've had enough of their nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Credit Karma, LLC
State: NY
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 filed a dispute to XXXX, a account on my credit report was older then 7 years I used credit karma to do the dispute and it said by XX/XX/XXXX I should have a answer which I did not so I called XXXX they claim the account was already removed, credit karma failed to notify me or update there records

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a faithful client of XXXX for 15 years as my cell phone carrier. I purchased an app through XXXX that provided a locator and parental controls. I put the app on my Daughters XXXX. I paid for the app, it never worked. I took it to the XXXX store thinking that it was an issue with the devise. I did this after several failed attempts over the phone with customer service, many calls I could not understand, because I regretfully only speak English. 
Finally, I took the device to the XXXX dealership, they kept it for days ( during all this, I am still paying for the app and the devise to be connected to the internet ) the XXXX place told me that the devise was not able to be fixed, and that they could transfer the app to a brand new XXXX that I could purchase in the store that day, and make payments through my XXXX account. A new XXXX to fix an app? I told the clerk I was leaving and would like to be compensated for all the time I paid for service and the app, and she said that will be no problem. 
This " outstanding bill '' was to be cleared up months ago. I can not understand why I am now in collections for being billed for a service I never got. When I surprisingly got a " final bill '' from XXXX ( after I left the carrier ), I wrote letters, called and on-line chatted, trying to plead my case. The ONLY response I got from them was a letter from SUNRISE CREDIT SERVICES. I called this service, they asked me to reach back out to XXXX. I did, and was disconnected by phone ( after I put my number and pin in, and my account access denied ( so I can't send them an inquiry via email ). I can not have this derogatory mark on my credit. I move too much, and is not something I need to highlight with my Command. I honestly can not ethically pay this bill, I never received this service! someone please get ahold of XXXX and review my account notes! I promise it is all in there, I tried and tried to have the do the right thing, and all they wanted to do is sell me an new XXXX, and not ensure I was getting what I PAID for. I have since moved my cellular service to 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 2019-05-21
Company: SYNCHRONY FINANCIAL
State: CA
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:
In XX/XX/XXXX Sycrony Bank gave an offer of double points towards my XXXX XXXX XXXX XXXX with the use of my credit card XX/XX/XXXX - XX/XX/XXXX. 

I " clicked '' on the button and registered to receive the offer. 

I did not receive the bonus points and contacted them in XX/XX/XXXX. They said it can take up to 90 days to process. I contacted them XX/XX/XXXX and they said they would check on it. I never heard back. I filed a complaint on their XXXX Account and they had a corporate customer service contact me, but I still have not received my points. 

I have tried to call the girl I was speaking with and it went to voice mail. They refuse to provide a means to contact them other than phone calls. I do not even have a case number.

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 2019-05-21
Company: The Outsource Group, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this compny is in violation of fcra policy by having no signed contracts and no proper debt validation per section 609 upon attempting to resolve this matter i was told i would be given this which was never done and shortly after was called and harrassed and even called a derogatory term for requesting proper debt validation ive also attempted to pay the original creditor several times in which i was denied the ability to pay

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 2021-02-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: SYNCHRONY FINANCIAL
State: MN
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:
XXXX XXXX-Someone got ta a card in my name XX/XX/2021 XXXX XXXX Did the exact samething on these two dates

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 2021-09-21
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had the alert when payment due feature set up with Citibank in XX/XX/XXXX. 
Never received the payment due alert, ended up being a day late. Citibank admitted fault and reversed the " late fee '' and said all was good. 

In XXXX, after I made a purchase, I noticed my rate had gone up to XXXX Called Citibank, and they said the reason was because of the " Late Payment '' in XX/XX/XXXX Never once did Citibank notify or tell me of the rate hike The customer rep had said it was more than just the " late payment '', that there were other " reasons '' but refused to elaborate Spoke to a customer rep " manager '' and she said there was nothing they could do. 
The manager told me to " try back in 6 months and she would review it! '' I have a spotless credit report all bureaus reporting in the high 790 's No late fees, no collections, low utilization, paid off house and two cars All credit in good standing Now I am transfering the debt to another credit card and Citibank is being difficult in allowing the transfer!

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 2019-06-12
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: Account status incorrect

Complaint:
Equifax and XXXX is currently reporting a medical bill in collections that is incorrect. According to Equifax they are reporting two ( 2 ) Medical Bills from XXXX XXXX one for {$470.00} and one for {$650.00}. This information is incorrect XXXX   is also reporting a medical bill from XXXX XXXX for {$650.00} that was paid and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To Whom It May Concern : My name is XXXX XXXX and I am a Walmart Credit Card holder. I use my card tremendously and I am excited to have it. On XX/XX/XXXX I made a payment on my bill for {$100.00} that payment was presented to my bank account at XXXX XXXX and later returned. On XX/XX/XXXX my account with Walmart was closed because the payment was returned. I am beyond XXXX off because I have and had enough funds in my account to pay the {$100.00}. 

I on XX/XX/XXXX got in contact with my bank and told them about the situation of the payment being returned. I was then told that the debits were processed before the credits hit the account. Even though the all these transactions were done on the same day within seconds of each other. I have a printout of the transactions showing all the transactions. The direct deposit was pending on my account on XX/XX/XXXX and posted on XX/XX/XXXX. The payment from Walmart was also returned on theXX/XX/XXXX even there were more than enough funds in the account. I was told that I could have contacted them to pay the items but, that is something most customers arent aware of. 

I work hard to keep my credit cards and I work hard to get them. I would never intentionally make a payment and not pay it. I pay my bills each and every month. I, dont feel that this is my fault and my credit card should be re-opened. I have since made two payments on the account as well. 

I am asking you to please re-open my credit card account as this is not my fault and I should not be penalized for it. 

Respectfully Submitted,

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 2018-08-24
Company: TrueAccord Corp.
State: PA
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:
On or around XX/XX/XXXX, received an email stating that this company has my account. I've emailed back on the XXXX requesting verification of the dept. 

On XX/XX/XXXX, received another email stating that they are going to contact the original holder, and will send me the information. 

Today, almost 30 days later, never received verification of 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 2020-09-14
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being charged for an account that I didnt open or use. It is on my credit report as a derogatory account and it does not belong to me. It apparently is a cable or phone bill, I was not living at this address at this time. It was opened in my name or something

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i faxed the company two times from XXXX XXXX. on the fax machine i got a busy signal six times. however on my phone, i called the fax number, it was not busy. i then faxed from XXXX XXXX ( XXXX XXXX XXXX ) digital fax. i put in three pages on two cases, sent seperatly. they said they didnt get this either. the person who want the information from equifax is XXXX XXXX, they sent it out on their number XXXX XXXX XXXX too. i called them on XXXX XXXX from XXXX untilXXXX. both times i was on hold for all that time. no one answered and the calls were dropped. i had an id theft previously and equifax was guilty of it. your department helped me, but i knew nothing of a settlement, until it was too late. could this be why my calls are left unanswered. i want equifax written up on this and my discrepency reports resolved. XXXX XXXX of XXXX XXXX helped but no response from equiifax. please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Radius Global Solutions LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
a person named XXXX XXXX started calling my family members trying to get my information. he scared my step-sister into giving my phone number. this person started calling my phone constantly without leaving a message until finally he left a vague message stating that there is a possible claim against me. since i have my work info on my voice mail he started calling my work, he left a message to my boss saying that an employee, stated my name, has a claim against her. he has caused an issue with my boss and now im worried my boss is going to fire me. i have told XXXX XXXX  on the phone and my boss has told him not to call this business but right after they hung up they called right back. the callers on saying they will file fraud charges if i do not pay my outstanding debt but have not given me a debt validation notice. they have been told to not contact my family, friends, work and myself but they keep calling. they are aggressive, rude and will not stop threatening me with fraud charges. i feel intimidated, scared and they just wont 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 explanation
Consumer complaint received 2021-11-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I've got a job offer and the company ask me to wire them money for necessary equipments for the job. They were scammers and I contacted the bank ( JPMorgan Chase ) to cancel the payment but they told me to call back once the payment is posted. So I called back this morning once it was posted and now the bank is telling me that there is nothing they can do. The scammers will not receive my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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/2019, I instructed XXXX XXXX XXXX  to pay the remaining settlement amount to XXXX XXXX XXXX for account ending in XXXX. A total of {$1300.00} was paid to XXXX XXXX  to settle this account as " PAID OFF ''. 

I have tried to get XXXX XXXX to update my credit report accordingly to reflect the account has been closed and paid off with a {$0.00} Balance.

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 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I have submitted letters after letters to the credit agencies to correct my address information and to add my contact telephone number to my credit file and they refuse to do so. I have sent them proof of address, ID, and Social Security Number and they still have failed to update this information. I have been denied credit do to their errors. Please help me to get this matter resolved once and for all. 

Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Please add my telephone number : ( 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