BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-16
Company: ORG GC GP Buyer, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I tried XXXX service for my family, I cancelled after 10 days of service due to bad signal strength, I paid over {$350.00} to return equipment and close account, 2-3 months later XXXX sends me to collections for usage of 10 days of service, I paid the usage fee on XXXX/XXXX/XXXX and balance was XXXX .... Today is XXXX/XXXX/XXXX and I am still showing an active collection account from GC services on behave of XXXX, after numerous calls hours of phone conversations with XXXX and GC, XXXX admitted that the balance is and should be XXXX from XXXX/XXXX/XXXX ... A supervisor from XXXX had me 3-way a phone call to Collection agency, but the collection agency disconnected the call and refused to speak to XXXX ... I am now being denied a mortgage loan because of this negative collection report .... Please erase this negative from my credit as I am trying to make the biggest purchase of my life and realize the American Dream at the same time, not only for me but also for my family of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was in deferment for about a year. I selected a lower payment that consisted of  XXXX  monthly for 24 months, and then it would go up based on income. They approved this, and I set up auto pay. When I set up auto pay it said to make first payment manually so I did. After I did that it paid the first  XXXX , little after that I got statement that said  XXXX . I called and they told me it was error from system and that they would fix it. I call back a month later because it was n't solved and spoke with another rep that said he did not know what happen but that he would have someone fix it and send me email. Today I receive another email stating that my terms for payments have changed and now my new monthly payment is  XXXX  starting  XX/XX/2017   . I feel like they are doing fraud by lying to me of what my payment plan is supposed to be. I am suppose to be paying  XXXX  for 2 years and then change to different amount. They have scammed me to pay more each month instead of after 2 years. I am looking forward to take legal action against them if possible. Then the email says it wo n't affect my current payment, but my auto pay says  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was only 8 days overdue for my payment. I was initialy called at XXXX on Friday, XXXX XXXX, 2016. Woman collector, I informed her I had some unexpected financial issues and I would pay as soon as I could. She ignored my information and she argued with me over harassment laws ; not the subject of the collection. Also on Friday, XXXX XXXX, the Citibank automated service started calling at XXXX ( immediately after human collector call ), XXXX, XXXX, XXXX, all were hang up calls except for XXXX when the automated service left a voicemail message for me to call Citibank immediately. Saturday, XXXX XXXX, 2016, the automated service called and hung up again. That is six ( XXXX ) calls within a XXXX hour period. I know they are all from Citibank as the same phone number and location come up on my caller id.

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 2017-01-28
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank distributed a promotion flyer to me in XXXX 2016, saying that anyone, who opens a new checking account, makes an eligible deposit of {$15000.00} or more in new-to-Citibank funds into the new checking or new or existing Savings Plus Account Within 30 days of account opening, and maintains a minimum balance of {$15000.00} for the 30 consecutive days following the date of the qualifying deposit, will get {$400.00} cash bonus. 
I made a deposit of over {$27000.00} on XXXX XXXX into the checking account. For the safety of my funds, some of the money was put into my saving account. Citibank 's monthly statement concludes with an item called " Total Checking and Savings at Citibank '', which I believed was the number that should be above {$15000.00} ( as long as this number was above {$15000.00}, I was eligible for the bonus ). And so I paid attention to the total savings and kept the deposit in my checking account and saving account combined stayed above {$15000.00} till XXXX. In XXXX this year, I called Citibank a handful of times to request the {$400.00} cash bonus but they rejected me saying that my deposit did not stay above {$15000.00} for 30 days. And they would not take the total deposit ( checking + saving ) as the basis for evaluation. 
The information Citibank provided in the promotion and its statement is extremely misleading. And Citibank was never clear about their requirements. The fraud Citibank is committing deeply hurts consumers like me and consumed much of my time and energy.

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 2016-10-30
Company: ALLY FINANCIAL INC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a car from XXXX XXXX in XXXX, PA. I was instructed by XXXX XXXX that the car was in perfect condition and needed a few small repairs. Upon purchasing the vehicle, I went back to the dealership several times from purchasing the car. Telling them that something was wrong with the car. Each time they instructed that nothing was wrong. Upon taking the car to my local car repair they found many things wrong with the car. The car is zip tided together. The car is unable to be driven because the zip tie has now broken.. XXXX XXXX Agreed several times to make the issue right and never did. If this car would have fallen apart on the highway someone would have been killed. This is very serious..

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 2022-08-24
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: Account information incorrect

Complaint:
In XXXX I sent a letter to XXXX XXXX XXXX XXXX agency to inform them that I am not aware of an account with them when I noticed they were reporting on my credit report. 
Account was then sold to XXXX XXXX  in XX/XX/XXXX in which XXXX XXXX  claimed I owed them money as well. I explained to XXXX XXXX  that I did not have an account with XXXX  but XXXX also started reporting on my credit report. XXXX XXXX  is currently on my credit report twice with two separate account numbers for the same supposed original creditor ( in which I explained to them, that I have no knowledge of the original creditor ). 
As of today, XX/XX/XXXX, I have been contacted by XXXX XXXX services that they are now in receipt of the account from XXXX XXXX, in which again I do not acknowledge having received any credit from 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
Consumer complaint received 2015-11-20
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX of 2014, I had emergency surgery. I had XXXX XXXX health insurance at the time of the surgery. XXXX paid all claims submitted by providers. XXXX provider, Colorado XXXX XXXX, says they repeatedly submitted a claim to XXXX but the claim was denied. XXXX 's records show no claim was ever submitted by Colorado XXXX XXXX. The medical provider acknowledges they had complete and accurate insurance information for me and that I did my part of the process as a consumer. The medical provider did not perform their due diligence in submitting the claim in a timely manner. Once one year from the date of service had passed, they say they sent me a bill. I did not receive a bill from them and doubt the bill was sent ; it seems that they claim to have billed me the same as they claim to have submitted to XXXX, but no record can be found. They sent the account to collections and say I was notified, but I can locate no record of notification. 

On XXXX XXXX, 2015, I was served with a summons indicating I am being sued for the amount. It should be noted the summons was dated XXXX XXXX, but not issued until a full month later. Once I received the summons I contacted XXXX and Colorado XXXX XXXX. XXXX asked that the company resubmit. The staff member at Colorado XXXX XXXX assured me they would resubmit the claim. They did not. I had to contact the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX for assistance. They were able to review XXXX claim logs for the entire year and verified that the medical company had not ever submitted the claim. They will not submit now, which is needed for XXXX to issue me a statement of benefits showing I owe them nothing. 

Now, I am being sued for the amount of the bill, collections fees, and court fees. For something that is the fault of the health care company not following procedure. I am livid that I have no consumer protection from this sort of senseless lawsuit when I had insurance that would have paid the claim if it had been submitted.

Company response to consumer: Closed
Consumer complaint received 2016-06-02
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hi, I saw the Citi bank gold checking account opening promotion online earlier this year, and it said I just need to meet the following requirements : 1. open a citi gold account 2. use the debit card for XXXXUSD transactions, 3. has two bill payments from the newly opened accounts. After all these requirements are met, I can get XXXX XXXX mileage. 

so I went ahead applied for Citi gold checking account online. and from the Terms & Conditions signing up the new checking account, it clearly listed the promotion for me, and I am eligible. 

To confirm the promotion, I also went to the nearest Citi branch, the banker looked at my account, and said she saw the promotion code, and I should get the XXXX XXXX mileage once I finish all the requirements. 

now it is a few months passed, although I finished all my requirements, but Citi said I am not eligible for that promotion. They said the promotion code is just for specific person. 

If it is just for specific person, why when I signed up the checking account, it said I am eligible? 

thanks!

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 2016-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
RE : Intent to file lawsuit, no response for Validation documentation. 
Validation Letter sent to : XXXX, A Debt CollectorXXXX XXXX XXXX XXXX, FL XXXX The account ending in # XXXX To Whom It May Concern : Please be advised I have requested " validation '' { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law Against the above named original creditor/collection agency. Should this Item not be deleted within the required time allowed by law I will seek every Legal remedy available to me and file suit against the credit bureau Responsible for reporting this erroneous claim. 
I urge you to take this extremely seriously as I have documented my case Without an error. I encourage a response from you expeditiously.

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 2017-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
An entry was deleted by my TransunionXXXX and XXXX credit reports. The account was held by XXXX XXXX XXXX XXXX XXXX this debt was originally with XXXX XXXX and removed it then has been sold to XXXX it was removed and has now reappeared. I wrote to Transunion and XXXX about this collection and no response and nothing has been done. It seems very unfair that a debt can be removed and reappear reaged, and also with another company to disguise it.

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 2015-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Sent two requests to validate collecting debt no response was received and XXXX and XXXX will still not remove item after proof of non-compliance was provided.

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 2017-02-20
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I receive calls at least once a day from Diversified Consultants , Inc. trying to collect a debt that has been discharged in bankruptcy. I consider this intentional harassment, as they know, since the debt has been discharged in bankruptcy, they are absolutely not entitled to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: CITIBANK, N.A.
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX, I signed up for a Citigold account via a promotional offer ( XXXX ) that advertised XXXX XXXX XXXX miles after completion of two requirements : { {$1000.00} } dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. I was told I had been enrolled for the offer and just needed to complete the above requirements in order to obtain my bonus. So I completed these requirements within the allotted time, confirmed conditions were met with Citibank, and waited for my points to arrive. After more than 90 days had passed, I had still not received my bonus, so sent an inquiry via secure message. I was told to continue waiting. After more time had passed, I reached out again, and was told they would investigate the bonus offer. It was then concluded that I would not receive a bonus. I was eligible under the terms and conditions and met the requirements, yet they still would not make good on their bonus offer.

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 2015-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
My direct deposit for my social security check was fraudulently changed in XXXX so I wanted to look at my credit report and ca n't get it without paying for it. I strongly feel my identity has been stolen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
GLA Collections re-added a deleted entry back onto my XXXX and XXXX credit reports despite being removed prior. They violated the Fair Credit Reporting Act 611 USC 1681I Section 5B in relation to requirements relating to reinsertion of previously deleted material. GLA never notified me of reinsertion, nor did XXXX or XXXX ever alert me in writing or any other method.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XXXX XXXX, 2015 I went to XXXX to apply for a car loan. My credit score had been XXXX last year this time. I have paid all my bills XXXX TIME and Trans union reported my credit score as XXXX to XXXX. and XXXX to XXXX XXXX the same day. When I called Trans Union, the representative indicated that there is a module by which each person gets the score, which seems subjective to me. The representative also indicated that there is a letter score which is accompanied by the number score which I never received ever. I find it very offensive that they would not definativly explain the specifics and were ambiguous in their response. They can be giving erroneous unsubstantiated information and one can not dispute it because the information is coded. Please have Trans Union answer specifically how I can have such varying credit scores on the same day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion has been reporting XXXX XXXX XXXX for 5 years, has been investigated more than 10 times and verified false, fraudulent, incorrect and incomplete information many times. 
THIS ACCOUNT FURNISHER has violated the spirit and the letter of the law in the 2009 Credit Card XXXX dollars was paid in XXXX checks to open the account ( violates statute by excessive XXXX. XXXX illegal internet access charge was made ( violates statute ) XXXX late fees are excessive ( violates statute ) .the information on the credit report is based on activities that include the illegal charges so the balance is inflated.there is no dofd on the report, the amt of last pymt is not listed, the scheduled payment is not listed ( used to determine excessive late fees ). 
I have attached all account history and legal reference in the form of the statute, the CFPB official guide, the Federal Reserve commentary on the ACT.all violations also violate FCRA and FDCPA on the part of Transunion and XXXX AND THE FURNISHER ARE NOW FINANCIALLY LIABLE REGARDLESS OF DELETION OR FUTURE ACTION ... ... FOR KNOWINGLY VIOLATING FCRA, FDCPA AND 2009 CREDIT CARD ACT, A JURY AWARD COULD BE SIGNIFICANT.

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 2016-08-31
Company: GLA Collection Company, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Hi, I had previously filed a complaint with your company regarding this debt collection agency. They had stated to you guys that they had found the accounts in question, and claimed to have requested removal from all my credit bureaus. I have n't seen it yet!!!!!!! The accounts were under my maiden name which I do not use anymore. This is pathetic that I have to contact you guys regarding this! This was from GLA Collections Company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
GLA COllection Company XXXX XXXX XXXX, XXXX, KY XXXX is reporting XXXX collection accounts on my credit report, I have been trying for a year to have they validate that I indeed owe the debt, they have refused, yet continue to update that accounts and try to collect on them, I need proof that I indeed owe these alleged debts. 
Account number XXXX, XXXX, XXXX

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