BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX, I attempted to freeze my credit report with Experian multiple times using their web site ( https : //www.experian.com/ncaconline/freeze ), 3 times with my PO Box number and 3 times with my home address. Each time I got the message below. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 


Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, P.O. Box XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently.

Experian Security Freeze PO Box XXXX XXXX, TX 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 2016-08-01
Company: CITIBANK, N.A.
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Signed up for an offer from Citi for XXXX thank you points when opening a Citigold account, having a thank you card, and completing two bill payments for 2 consecutive months. The points should have been awarded to my credit card account within 90 days of when I had completed the two bill payments, I have not been awarded any points, and I 'm having to make account fee payments to keep the account open unnecessarily.

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 2015-10-05
Company: CITIBANK, N.A.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
The issue here is that we have been wronged by XXXX. Along with numerous other establishments and their flagrant misrepresentations. The monies paid to your company were taken under false pretenses. On XXXX XXXX, 2014, they charged me {$4900.00}. This was on my bank statement. They did say they were doing my advanced marketing. I was definitely taken advantage of by these people because I had no phone number or any means to get back in touch with them. I do not want to do any further business with them and request a refund. I am very uncomfortable working with this and at this time would like to cancel these services and demand a FULL refund of my money. The company is non responsive to calls, complaints and letters. I have reached out to my banking institute and supplied them with all the information that was in my possession. They advised that I did not. I called and advised Citibank that it was n't a billing error, that I have a contractual agreement with the above referenced merchant and that I was allowed to file this under " services not as described '' up to a year from the date of the original transaction in accordance with Federal Regulation, they can not pick and choose as they see fit. Also the mentioned I did not comply with their request for documentation. I give them everything I had. They offered no help at all. I can not afford this big of a hit to my finances. Please advise my credit card company of proper protocol and ensure they help me. I need your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Other

Complaint:
Citibank is calling on Sunday morning at XXXX XXXX ( Arizona time ) for a payment to a past due account. Per the federal guidelines, it states calls can be made between XXXX XXXX - XXXX XXXX on Sundays. This phone call was outside of these hours.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The information submitted by XXXX XXXX and XXXX Bank as shown from captures of my credit report are incorrect. They incorrectly reported a delinquencies on my XXXX credit bureau reports. I have submitted my dispute with Experian, Equifax and XXXX and am looking for an urgent timely response. The payment for the credit card was made on time, any delay and lack of accurate report is caused by XXXX XXXX. They asked that I get this resolved by contacting the credit reporting bureaus directly. XXXX Bank is unable to verify the delinquency. 

Please refer to the captures uploaded as images for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
calls me four of five times daily threatened to turn my case over to XXXX County if I do n't call them back by the end of the day. A XXXX XXXX called my children with the same threats to get them to pay to keep me from going to trial. A XXXX XXXX called me three times with 1 minutes I guess to see how many calls she can make repeatedly. They claim they are calling from Pre-Trial. Then there is another caller that do not give a name that calls three or four times with a recording that advise if you are not the person press 1, that did not stoop the calls then I pressed 0 to get the operator but no one came on the line. nothing that I press stops these calls. Nothing stops these calls from these people.

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 2016-07-02
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to National Credit System. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with National Credit System. This was an Apartment Lease from XXXX XXXX . and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by National Credit System. In this case the debt should be removed from my credit report and out of the office of National Credit System because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/XXXX, I made a computer purchase but never received the items from Macy 's. I used my Macy 's American Express Card to make the purchases. I informed the company by phone and was told they would look into the issue. I never received any mail correspondence ; and thought the matter closed. Starting the XX/XX/XXXX, I started receiving calls from Macy 's collection department demanding payment. After speaking to several representatives in the credit and collection departments, I was told several times the matter had been resolved. I even spoke to representatives at XXXX XXXX. I tried numerous times to resolve the issue. I later found out that I must have requested only online correspondence ; thus the reason I had not received any mailed correspondence. I corrected that after speaking to another Macy 's supervisor credit department representative who told me the items had been returned back to Macy 's and that I owed nothing. Again, told by this department supervisor that my account would be resolved. However, even after that call with a Macy 's department supervisor in credit department, the calls from Macy 's collection department continues. I went on line and copy a letter ( see attachment ) from XXXX XXXX XXXX which states that I owed nothing and my account had been credited for the amount of the items I purchased back in XX/XX/XXXX ; the date of the credit was XXXX/XXXX/XXXX. I was instructed by a Macy 's credit department supervisor on how to access this letter. Supervisors I 've spoken to include : XXXX XXXX and XXXX ( XXXX number XXXX ) XXXX continue to get calls from Macy 's collection department which I now ignore ; the same number phone number is used. In addition, I changed my request for information regarding my account and now have my information mailed to me. In XXXX XXXX, I receive a copy of a bill which states I owe {$150.00} which includes the original amount of {$110.00}, fees ( {$37.00} ) and interest ( {$2.00} ). ( see attachment ) I am exhausted with talking to one department and being told that the matter is no longer an issue and the non-relenting collections department who is bent on getting money from me that I do n't owe. I 'm soliciting this agency 's help in stopping the harassment and eventual detriment Macy 's collection department will assess to my credit record.

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 2016-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Saw my FICO score was dropping for no good reason. Requested my free Credit Reports and found erroneous information on a credit card that I had never used. found out it was a new credit card issued by a dept store that I do purchase from. Since I had not purchased anything from this store in months, this made no sense. I tried calling Dept store but they were of no help. So I followed their Dispute Process and the Dispute Process of all the credit reporting companies, which have all resulted in denials of my dispute. Now the balance is up to {$260.00} in penalties and late fees! I 'm at my wits end with this issue and do n't know what else I can do to clear this bad credit from my file. Please help!

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 2016-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Ss # XXXX DOB XXXX/XXXX/XXXX You still have not removed the account for XXXX that is affecting my good credit from my credit profile. 

I DEMAND that this account be removed from my credit profile!!!! All the account information is incorrect. Per the FCRA Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a debt as charged off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user, or Supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). 


XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: CITIBANK, N.A.
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have a Platinum Citi card, and I missed paymebts due to unemployment. I contacted Citi cards to bring the account current. I was informed the account was being handled by XXXX XXXX. I contacted XXXX XXXX to bring thr account current. During my first call, I was assigned a representative. The next day I called to provide banking information. I left a voicemail. Thirty minutes later someone else called me back and told me the representative was out sick. I was hesistant and opted to call back. Following, the manager called me back, the same day, and shared thr person was not sick but employed somewhere else. He shared he was the manager and would assist me. I provided him with banking information and permission to deduct XXXX from my account to bring the card current. It was deducted from my account and another representative called to collect payment. I shared that I brought the account current and my next payment was not due until XX/XX/XXXX. This was the predetermined day I shared with the XXXX and XXXX representative. He shared that I needed to pay them becuse I had not made a payment the first one. He shared, " I mean I see your big payment, but you need to pay again. '' I said, " It 's nor due. '' He said, " I 'll just keep calling until you pay again. Why wo n't you pay? You were five months behind before your big payment. '' I told him I discussed it wit the manager and XXXX representstive. I told him he was rude, and he said " well. '' I shared I would call back on XX/XX/XXXX and predetermined. He shared again that they would continue to call until then. I contacted Citi Cards to make a complaint. They informed me that a payment was not due for three weeks. The XXXX XXXX representative is 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 2016-08-21
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Other

Complaint:
After going through my credit cards I could n't figure out why my Best Buy credit card balance was not going down even though I had been paying {$100.00} a month for over 3 years. I never paid close attention to the balance because I had continued to charge items as needed. I was notified that my promotional period was ending on my card and I would be charged an additional {$1000.00} if my promotional balance was n't paid. After deeper investigation of my bill I called a phone number where it listed I was paying a {$30.00} fee per month. The man on the other end explained that I have been paying for a debt protection service since 2011 that I never agreed to. NO WONDER MY BILL WAS N'T GOING DOWN! After reading online I realized that I was not the only one scammed by this and I need help in rectifying this issue and getting my money back. It turns out that many people have been scammed in this same way because the service is added on by a sales rep or in some back ended manner without approval from the card holder. I was never notified of the fees when I signed on and I pay my bill paperlessly. This is a true reflection of consumer gouging and taking advantage of people. It is a crime that I insist must be investigated and repaid.

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 2016-06-27
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Rewards

Complaint:
I had a Citi Double Cash Mastercard and I was a very good customer, always paying my bill in full and never carrying a balance. Citibank suddenly closed my account XX/XX/XXXX and I lost {$100.00} in cash back that I was entitled to as a result of purchasing and then paying off {$5300.00} worth of charges in XX/XX/XXXX and XX/XX/2016. The DoubleCash card offers 1 % cash back when you make a purchase, and an additional 1 % cash back when you pay off the balance charged. I complied with these terms but I could not redeem my cash back because my account is closed. I have called Citibank about this multiple times but they say the account is no longer active and that my rewards can not be accessed. I feel that this is a gross violation of the terms of this credit card. Citi has blatantly seized my rewards for no reason, and if they are allowed to do this to me, they can do it to anybody on an arbitrary basis.

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 2017-01-11
Company: Statebridge Company
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I mailed my mortgage payment to Statebridge Company, LLC. XX/XX/XXXX I received a statement from Statebridge stating I owed a {$24.00} late fee because my payment was not received until XX/XX/XXXX. This is not the first time I have had to file a complaint against Statebridge over a late fee. It is to Statebridge 's advantage to " drag their feet '' in order to charge additional fees. I will not be held responsible for Statebridge 's lack of timeliness in depositing mortgage payments. My mortgage statement for XX/XX/XXXX states I owe my mortgage payment for XX/XX/XXXX ( my XX/XX/XXXX mortgage payment check was cashed so where are the funds? ) and XX/XX/XXXX. I will NOT be paying any late fee because I mailed my XXXX payment from the XXXX XXXX Post Office in XXXX with more than ample time for Statebridge to receive my payment. I will complain, and seek higher authority to resolve this ongoing problem. This is the same theft/shenanigans/ smoke and mirrors behavior XXXX XXXX used to play. I filed a complaint with the federal agency that oversaw thieving behemoths like XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I made a {$57.00} purchase in XXXX 2016 with a Citibank credit card. The balance prior to this purchase had been XXXX for several months. I did not receive a statement reflecting this charge even though my address was correct on file with the company. I realized I had not received a statement and went online to pay the balance on XXXX/XXXX/2016. I requested the late fee be waived. I have good standing with all my credit. I was told to request it through the online email on the Citibank site which I did. When I did not receive an answer I spoke to a representative on XXXX/XXXX/2016. I was told it could not be waived. I requested the account be closed. I was told by the representative that no further fees or charges would be made to the account. Since that time an additional {$25.00} late fee and another {$37.00} late fee was made to the account. This brought the balance {$89.00} which included interest fees on a {$57.00} charge that was paid. It has taken several phone calls and requesting to speak with supervisors to get any resolution. I was told they would only waive the {$37.00} late fee the most recent if I would pay the balance by the end of this month. I have therefore paid {$50.00} plus interest of {$2.00} to get them to close the account permanent as original asked and told would happen. I am currently hoping that this has actually taken placed as promised. I am appalled that a credit card company can continue to make late charges on late charges when the purchase has been paid and account requested to be closed to prevent further late charges. I was told by the supervisor that the late fees would continue to accrue regardless of my complaint or request to close the account regardless of what the representative that closed the account said.

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 2016-07-08
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX dollars XXXX in fraudulent charges were made using my non-chip credit card number despite the fact that the card was in my possession. I have spent hours on the phone with Citibank over the past several weeks reviewing these charges. My card was cancelled and a new card issued. Citibank does not dispute that they are fraudulent but they continue to show as charges I should pay on my statement. In addition my online statements show no activity on my new card at all so I can not see what I need to pay this month. They want me to manually calculate the charges I owe subtracting the fraudulent charges I 've reported multiple times already Citibank say that if I miscalculate I will owe interest on any underpayment.

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 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion conducted investigations on unauthorized accounts and inquiries for many years since XX/XX/XXXX and still have not removed negatives. 
XXXX XXXX XXXX XXXX collections and other collection was deleted and it was put back on my credit report again XX/XX/XXXX. 
They always implement a verified and no change.Why? 
Is because Transunion allows the companies to do whatever they want on consumers credit report. 
Transunion has partnership relationship with companies.banks.and this XXXX dollars companies dictates the consumers credit to keep them in poverty. 
Federal Government respectfully needs to mandate stricter Federal laws that credit reporting agencies can not have no business partnership relationship with companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation