BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Note : This request pertains to  Citibank  Credit Card Services, the provider and agent of my monthly recurring charge for the company listed in this complai nt (   XXXX  ) and which appears on my monthly billing statement. I am asking a response from Citibank, not the  XXXX  in particular to avoid any confusion through this form submission.     Complaint There are two separate issues related to this Citibank credit card account for the same vendor, the  XXXX .  One  is related to chargebacks, the other concerns recurring monthly subscription payments for the  XXXX  that were cancelled by  Citibank without consent resulting in untimely collection calls from the vendor. The cancellation of the monthly recurring payment on my Citibank  credit card was not made by me since there was no interest in cancelling the  XXXX  membership. I have attached a letter to this inquiry due to space limitations on this form. Please see attached letter. The file : CFPB - Citibank

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 2021-11-18
Company: CITIBANK, N.A.
State: GA
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:
On XX/XX/XXXX, I contacted XXXX XXXX in XXXX Florida to apply for a XXXX day XXXX night XXXX XXXX ( dual diagnosis : XXXX and XXXX usage ) for my XXXXr. After discussing the issue at hand, medical history and previous history, she was accepted. I used my Citi Bank Visa to pay {$14000.00} for this XXXX DAY/ XXXX NIGHT XXXX XXXX which was non refundable. 

But, XXXX XXXX DID NOT fulfill their contract! SHE DID NOT RECEIVE XXXX days XXXX XXXX nights  of treatment. IN FACXXXX, she received less than XXXX week! She arrived on XX/XX/XXXX and on XX/XX/XXXX, XXXX XXXX XXXX XXXX " her and sent her to XXXX  XXXX where spent XXXX days ( at OUR expense ). She returned to XXXX XXXX for XXXX NIGHT on XX/XX/XXXX and on XX/XX/XXXX, her husband was notified they were sending her to a smaller facility, " right up the road ''. Well, this facility, XXXX XXXX, is located XXXX hours away in XXXX XXXX. Upon the credentials of XXXX XXXX, I would have NEVER sent her to this facility. At any rate, it is a FACT she was given a medication at XXXX XXXX that XXXX KNEW she is allergic to ( XXXX ). Certainly XXXX should have transferred her records. On XX/XX/XXXX, she was " XXXX XXXX '' AGAIN and this time sent to XXXX XXXX XXXX XXXX for nearly XXXX WEEKS -- AGAIN AT OUR EXPENSE. 

I have TRIED for months to dispute this charge with both XXXX and Citi Bank. I told them I would be willing to pay {$2500.00} for XXXX days but I am NOT willing to pay {$14000.00} because we DID NOT RECEIVE SERVICES. Citi Bank stands by XXXX and will not help with recover our money because the Invoice I signed states NON REFUNDABLE. Was it not reasonable of me to expect the services that I PAID FOR to be rendered?

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 2017-04-25
Company: Kentucky Higher Education Assistance Authority
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I am an  XXXX  veteran that served from  XXXX  to  XXXX  with  XXXX   XXXX  to  XXXX  and returned home rated   XXXX   XXXX   XXXX   by the  VA. Today,  a collection agency is now threatening wage garnishment on a debt that has been completely paid by their taking our income tax return this year of {$8500.00}. When I joined the  XXXX  I entered into the student loan repayment program which paid just over {$30000.00} on old student debt from  XXXX . That payment was considered income by the military, so around {$8000.00} was taken by the IRS and {$22000.00} was applied to the student loan debt. From  XXXX  to present the loan debt was sold to  four  different collection agencies. For that reason, the repayment program did not work in a timely manner. Otherwise, I would have been able to manage the tax payments over my la st three ye ars while still serving. I have been back in school since  XXXX  and I am currently pursuing a  XXXX  degree full time using the  G.I. Bill. I  hold a part-time job and I pay child support for  XXXX  sons in addition to our regular living expenses. This debt has been paid in full as the IRS took {$7900.00} which was then still owed by me. And this year our tax refund was {$8500.00} which was paid directly to the collection agency KHEAA. This collection agency has inflated the original amount owed and is now trying to collect over {$4000.00} in fees by threatening to garnish my part-time wages. Do I have any way to stop them? This is a vicious cycle that has been going on for the past  four  years! Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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:
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. Upon reviewing my updates, incorrect information was 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. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Pacific Credit Exchange Corporation
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:
I have sent Identity theft paperwork to remove accounts resulting in identity theft. 
The accounts remain on my report and pursuant to 15 usc 1681 c-2 the accounts were suppose to be blocked from my credit report. As a consumer I feel defeated and taking advantage of. Please assist with removing these accounts asap. 

XXXX XXXX XXXX XXXX PACIFIC CREDIT EXCHANGE

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 2017-06-10
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I authorized the credit card to take money out an one-time payment over the phone for  XXXX  different account s (   XXXX ,  XXXX   XXXX ,  XXXX   ) ow ned by the same credit card compa ny ( Comenity Bank ) for   a specified amount on a specified date. The credit card company drafted the money for  XXXX  account on the date specified  XXXX   XXXX  and authorized by me and drafted the amount for the other  XXXX  account on dates that I did not authorized, 7 days later on  XXXX   XXXX . This caused the bank charge me overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: TX
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've sent several letter in the last 60 days without a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX of XXXX a XXXX XXXX card was opened in my name and it was determined that it was fraudulent because they could not verify the identity of the applicant. I contacted XXXX XXXX XXXX XXXX XXXX to remove the account from my credit report and the inquiry in XXXX of XXXX. Initially they informed me that they could not, but eventually they did. What I did not know is that they also sent a fraud alert to all of the credit reporting agencies. So in XXXX of XXXX when I attempted to apply for a XXXX credit card I was denied the ability to apply for credit because XXXX XXXX had sent a fraud alert on my account. XXXX informed me that they could not verify my identity based off of the information from XXXX  XXXX XXXX XXXX. So in XXXX of XXXX I went to the websites of all the credit card companies XXXX, XXXX  and XXXX  and followed the instructions to have the alert removed from my file because it was blocking my ability to access new lines of credit. 

I went online for XXXX  and mailed a letter for XXXX, but I did not receive any confirmation from any of the companies. Most recently, I had to call back on XX/XX/XXXX because American Express XXXX XXXX XXXX informed me that XXXX  still had a fraud alert on my account that required them to verify my identity before we discussed any account information. 

I check my credit report every week through American Express ' XXXX XXXX XXXX which is powered by XXXX  and it did not list a fraud alert notice for XXXX to present date. On XX/XX/XXXX American Express informed me that they had to do a security check, which should have only been a soft inquiry. However, it was listed on my credit as a soft and a hard inquiry. I would like the hard inquiry to be removed. I contacted XXXX on XX/XX/XXXX and they removed the fraud alert. But I had already previously contacted them in XXXX of XXXX to remove the alert through their online portal, so it already should have been removed. So, the American Express soft inquiry should have never occurred since I had already contacted XXXX  in XXXX to remove the fraud alert. I called again on XX/XX/XXXX to get the American Express hard inquiry removed from my report because American Express stated it was due to the fact that XXXX  placed a fraud alert on my credit report. I never authorized a fraud alert to be placed on my account and in XXXX of XXXX I went to XXXX and submitted the documentation electronically for the fraud alert to be removed from my account in XXXX of XXXX and XXXX of XXXX. 

Frankly, I want the American Express hard inquiry removed from my account because I did not apply for credit with American Express. They stated it was a security measure from XXXX  that I did not authorize on my credit report which all stemmed from fraudulent XXXX XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 or around XX/XX/XXXX Transunion received my Identity theft package with FTC theft report. On XXXX XXXX I called Transunion to ask has the fraudulent info been blocked, he said it would take 30 days. According to FCRA 605 ( b ) the information should have been blocked within 4 days of receipt of Id theft claim. Transunion is not honoring and breaking the law at the time of this complaint XX/XX/2019

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 2017-04-25
Company: First Data Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I cancelled a merchant account with  First Data  XXXX   XXXX  in  XXXX    XXXX  . I would be happy to scan and send copies of the cancellation letter from my nonprofit organization, the form requested b y First Data cancelli ng service & a bank account showing the amounts charged. Total amount charged monthly from  XXXX   XXXX    XXXX   is {$130.00}.   I calle d First Data  on  XXXX   XXXX  this year to ask for a refund. They asked that I submit paperwork relating to the charges which I did to  XXXX  XXXX  XXXX . They did not respond. I called again on  XXXX   XXXX  and eventually managed to speak to a supervisor,  XXXX . He said he had all the paperwork from me and could see th at First Data had not cancelled the account nor made any refund. He   confirmed it was now cancelled. ( I had already cancelled the account with my bank ). He said I should call back in a couple of weeks. I called this morning -  XXXX  was unavailable. I spoke to another supervisor and after a lengthy conversation she informed me that I had to send the request again to  XXXX  XXXX  XXXX . I asked to speak to someone in that department and was told they only accept emails. I feel sure that  XXXX   XXXX   does n't want to refund the money, so now they are giving me the run-around in order to not make good on what is owed. I do hope y ou can help me as this is a considerable amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On  XXXX   XXXX ,   XXXX   I attempted to make an   XXXX   purchase of {$870.00 } using PayPal. Predictably, I went through an endless nonsensical series of " plea se verify your account '' loops - to no avail. I was never allowed to pay for my auction.     Please understand this clearly : PAYPAL IS THE ONLY WAY TO PAY FOR AN   XXXX   AUCTION. That is unfair and should be illegal. I CAN NOT wait  48 hours until PayPal  decides to unfreeze my account before paying for an auction item.     After contacting workers in  XXXX  who had no clue how to clear the error, I was told that they were only allowed to ask security questions once per day, and " to their best guess '' I 'd need to " just wait until your account unlocks again. '' That is 100 % unfair and illegal.     I do NOT want to read yet another form letter about the " velocity '' of m y PayPal account and how they 're trying to eliminate fraud. I have been a PayPal  customer for over 10 years, and am furious and insulted to be treated as such.

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 2017-04-26
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contracted service from  XXXX  for a  SIM ca rd to be used in an iPad for cellular connection purposes. The signal was very poor at my place of residence due to interference. I returned th e SIM c ard and closed the account.  XXXX  refunded my money and i considered that to be the end . 5 W eeks later i received a bill from a collection agency by the name of  XXXX   XXXX  ; I called  XXXX  and they corrected my account to show that no money was owed to them. Following month another bill was sent from CONVERGENT  OUTSOURCING INC. f or the same amount. I have called  XXXX  to clear this situation but they say the show no traces of my name in their records. I do not wish to contact the  collectors company for fear that they are just going to verify my name and address and sell my name to other data collecting agencies. 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 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent a customer dispute 60 days ago and have not received a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.

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 2017-06-10
Company: Experian Information Solutions Inc.
State: GA
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:
Violated HIPPA la w on a debt that is not mine. They keep selling my information to different collection agencies after credit agencies delete them. They hindering my score to buy a house for my family and I. I do n't have a contract with them. There is no way they are validating a debt from a company that is not real.

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 2017-04-26
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On  XXXX / XXXX / 2017  @  XXXX  I received a phone call from  XXXX    @ IQ Data International.   My   XXXX   XXXX   XXXX    child was screaming in the background while  XXXX  was explaining the reason for his call. Once my child stopped screaming I told  XXXX   I d id n't hear anything he said. He stated by  XXXX  and hang up the call. I called back and the rep attempted to reconnect me with  XXXX  but he did n't answer. I was then transferred to  XXXX  who said she was the supervisor and would look into the call. I do n't believe anything will be done. I have asked  XXXX  on previous occasions not to call my phone number. I have asked that all communications be done by mail or email. I asked for the address to send over a cease and desist but  XXXX  refused to provide me with that information because I would n't verify my identity.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
US  BANK  Cash plus Reward mone y is at least 1 % of any sale transaction I make. That is the promise the bank say they will gi ve away. I accumulated more than {$500.00} of reward money. I chose a few years ago to receive   XXXX   XXXX     XXXX    dollar   " gift reward card '' that I lost according to the bank because I did not spend it sooner!    I did not use those    XXXX    cards, since I did not need it. Today, I noticed that there was an expiration on  it  XX/17 . I di d not think it would be an issue a few year later when I wanted to spend. I have NEVER heard that there is a time condition to get that dollar back. This is not common knowledge. So, how is it that I can not get my dollar back unless I spend it befor e  XXXX  2017.    Also, I was under the assumption that this was a gift card, and it should not have an expiration date  ( Orego n  XXXX   ).   All this is very confusing . US  Bank promise that they would return that 1 % back to me. Why should n't I receive my money? because I waited too long! Again in the literature about USBAN K cash plus car d, they do not advertise that I will get that 1 % CASH BACK ONLY IF I spend it before a few year!     I started to call aroun d US  BANK requesting that they re-issue the card, like a regular check that has a 120 days expiration day. The money was promised to me as a consumer and they did NOT FULLFILL their promise to give me my dollar back for each {$100.00}, I spend.     Note  : US B ANK Credit Car d CASH PLUS  Card :  XXXX  I called and talked to Supervisor  XXXX  operator ID  XXXX , and then  XXXX  manager at  USBANK o perating number  XXXX . Insisted that I deserve 0 % cash back for not using the card on time.   US BANK  Gift Card Service  :  XXXX  I called the USBANK gift card issuer talked to Supervisor   XXXX  o perating number  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 monetary relief
Consumer complaint received 2019-12-29
Company: Credit Solutions, LLC (KY)
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.

Company response to consumer: Closed with explanation