BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
I received my bill today and noticed my interest rate had suddenly gone up to 25.49 % from my usual 23.99 %. I reported Macy 's last year. I have been a faithful and loyal customer for the last 20 years. This company definitely holds political grudges. I have Never been late. I have paid by phone the last few months. I had a {$85.00} minimum payment for the last few years. They are claiming I just recently charged {$2800.00} on my card. They claim they were giving me a promotional rate. I have not used the card since XX/XX/XXXX or XX/XX/XXXX. This amount of {$2800.00} has been on there for a couple of years. I spent a half an hour on the phone with them and got nowhere. I do not understand their representatives and they speak garbled. They have no right to SUDDENLY charge me a much higher rate WITHOUT EXPLAINATION! Please check into this! 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 2015-08-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I applied for a credit card with Wells Fargo and was agreed that my interest would be 10 percent after two yrs. After the two yrs passed i noticed the company charges me 20 to XXXX percent interest. I notified them in requesting to close the credit card account and they refused. Note : I made on time payments on my credit card and have n't had any missed payments. I need assistance in fixing this because its damaging my credit and with me paying on time they still put me in collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We called IQ Data on XX/XX/2022 to dispute the collection of {$920.00} and we ask for a signed original document and they refused to send us one saying that they had already sent one which my husband and I disputed and then they started being verbally abusive and threatening. We tried to explain to them that this was not our debt and they did not want to hear this and again became verbally abusive and threatening. We also noticed that the amount of the debt they claimed we owed continued to increase every 6 days going from {$920.00} to well over {$1000.00}. Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a payment of {$9000.00} to Ditech on XXXX/XXXX/XXXX for my monthly payment. It included a check for {$2000.00} and XXXX money orders ( {$1000.00} each ). They deposited personal check on XXXX/XXXX/XXXX and 4 money orders ( {$4000.00} XXXX total on XXXX/XXXX/XXXX. They lost 3 money orders ( {$1000.00} each ), which is {$3000.00} of the payment. I contacted them on XXXX/XXXX/XXXX at XXXX XXXX - spoke with XXXX ( ext XXXX ) who filed a complaint # XXXX to find out what happened to missing {$3000.00}. She told me that the company has 5 business days to investigate the incident and respond to me. 
I contacted the company on XXXX/XXXX/XXXX at XXXX XXXX - XXXX 's extension does not have a voice mail set up - the phone kept ringing and I could not leave a voice mail. She provided her manager 's contact information during my initial call so I called her and left voice mail ( XXXX ext XXXX ). I have n't head from them so I called again on XXXX/XXXX/XXXX - XXXX 's phone mail kept ringing and I left VM on XXXX 's phone again. 
I would like to know what happened to {$3000.00} of my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion has had a glitc h ( or  XXXX  ), involving credit inquiries being removed from credit reports. I was affected by this glitch. I called Transunio n, they denied I was part of this. They asked me to send proof from  XXXX   XXXX , which I did. I included a  XXXX  page fax ( which cost me {$20.00 } ), and  called a few days later for a status update. They advised me that the glitch was from   XXXX   XXXX  , not the m ( w hich is incorrect ). It is illegal for them to remove information and re add it without the consumers knowledge ( which they d id ).  I call and get the run around, conflicting information and no solution.

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 2022-04-11
Company: EQUIFAX, INC.
State: IL
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:
After sending information to verify myself with my disputes, Equifax XXXX XXXX has failed to respond. They have violated the FCRA in that it has been more than 30-days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Bread Financial Holdings, Inc.
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : CB/VICSCRT XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: MD
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:
Improper uses of my Credit files Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: SYNCHRONY FINANCIAL
State: SC
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:
Orginally I had an amazon synchrony bank  ( GE Bank   spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my  credit score went  up they reduced my limit which brings my score down. I have kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  Amazon  user board.     We bailed out this bank and this is how they treat us?

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 2015-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXXThis loan has been closed since XX/XX/XXXX. The unit was sold by fannie mae on XX/XX/XXXX for and amount of {$83000.00}. The balance showing on my account should not be there, since the unit is no longer in my name. I released the unit to XXXX in lieu of foreclose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2016-06-03
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX miles after scheduling two bill payments and accumulating {$1000.00} in debit purchases. 
The cash value of XXXX XXXX XXXX miles is approximately {$500.00}. 
In XXXX XXXX, I contacted Citi and received confirmation that I had fulfilled all terms of the offer. 
On XXXX XXXX, XXXX I contacted Citi again regarding the bonus offer, and was told that I completed the terms in XXXX, and that the miles would be credited no later than XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX the points had not yet posted so I called Citi and was told that the points were " on their way '' and to expect to see them within 3-4 weeks. 
On XXXX XXXX, XXXX I called Citi again, who opened an " investigation '' into the missing points, and told me I would hear back within 1-3 business days. 
On XXXX XXXX, XXXX, after not hearing anything from Citi, I called in again, and was told that their back office was very busy, and to expect a response within 5-7 business days of the investigation opening ( XXXX ). 
On XXXX XXXX, XXXX, after still not hearing anything from Citi, I called them again, and was told that the investigation is still open, and that the customer service representative would request another. 

In summary, it has been five months since I met the terms of the bonus offer, and Citi has still failed to live up to their side of the deal. The chat log between myself and Citi where they confirm that the requirements have been met is attached. 

Citi Online Chat Log, XXXX/XXXX/XXXX You are now chatting with XXXX. 
XXXX : at XXXX Hi, XXXX : at XXXX Welcome to Citibank Online Chat. My name is XXXX. How may I help you? 
XXXX : at XXXX Hello XXXX. 
XXXX : at XXXX How are you? 
XXXX : at XXXX I 'm well, thanks XXXX : at XXXX I signed up with a promotional offer for my CitiGold account, and completed the requirements some time ago, and I 'm wondering when the bonus American miles will post XXXX : at XXXX Great question! 
XXXX : at XXXX I will be more than happy to assist you. 
XXXX : at XXXX Please allow me 2-3 minutes to review your account. 
XXXX : at XXXX Thank you for holding. 
XXXX : at XXXX I do see you completed the terms in XXXX. Therefore, your miles will be credited within 90 days of the statement cycle in which you fulfilled the terms. 
XXXX : at XXXX That will be no later than XXXX XXXX. 
XXXX : at XXXX Thank you, have a nice day

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 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 
- XXXX XXXX XXXX XXXX, 2015

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 2016-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The inquiries were not listed on my credit report on XXXX XXXX when I just recently checked my credit report they were reinserted on my credit report in addition I was not notified 5 days prior to them being reinserted back on my report.

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 2015-05-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
The credit card company formerly known as GE Money Bank who services several of my credit accounts randomly and without warning cancelled or closed paid accounts and lowered credit limits on my credit accounts without cause. I have never been late on any of my accounts and in fact have a monthly automatic payment set up on each of them. Because of this action my credit score has been harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Transaction ending in XXXX on a credit card debt to XXXX XXXX XX/XX/XXXX amt XXXX XX/XX/XXXX amt XXXX XX/XX/XXXX amt XXXX Account was sold to LVNV FUNDING LLC. I have been disputing this debt with the credit bureau in attempts of getting this off of my credit report. I finished paying the settlement over a year ago. I have also tried to get this resolved with the credit agency trying to collect the already pain debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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:
Dear Sir/Madame, On XX/XX/XXXX I used my Bank of America credit card to purchase an accommodation with XXXX  for {$550.00}. In XX/XX/XXXX, I notified the Bank of America that the host did not provide an accommodation as agreed and advertised and attached a letter to the host and pictures from the apartment showing non-hygienic state of the place. I demanded the refund for service non provided. 
On XX/XX/XXXX I received a letter from BoA saying that the dispute is closed due to the fact that the host " was willing, but unable provide the service ''. The purchase was not refunded and is still showing on my balance. 
I believe the reply of the Bank is in violation of the FCBA regulation stating explicitly that the cardholder can not be held responsible for a charge for service not provided as agreed.

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 2020-04-29
Company: Clarity Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a complaint with XXXX  and it has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
After filing a complaint about incorrect information on my credit report I recieved an updated credit report by mail dated XXXX. Unfortunately the information is still incorrect. 

File # XXXX Date of birth is reported as XXXX instead of XXXX Credit history is reported starting XXXX instead of 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 2020-03-26
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have repeatedly filed for a forebearance with my mortage company over the past two years. I have each year had a valid unemployment letter. the company has unfairly denied my modification request. I have money to meet my priority debts and i am being unfairly denied the forebearance. I have all the paperwork including proof of unemployment and a completed modification form and i am not being approved for the request for forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
There was an incident with CitiMortgage ( see CFPB Complaint # XXXX ) that caused inadvertent negative credit reporting which CitiMortgage has since agreed to remove. However, as a result CitiBank who backs my Home Depot credit card reviewed my credit worthiness during the time frame in which the negative error reporting was taking place immediately reduced my credit limit to the balance of the credit card itself which makes it appear as though I now have a maxed out credit card which also reduces my credit score even further. I have maintained excellent credit worthiness throughout my life until this incident happened and I think I have been a valuable customer to Home Depot and Citibank. Also, during this time I had a cell phone stolen with my account personal checking and savings accounts inside. As a result, my bank had to temporarily block all credit and debits on my account until the issues were resolved which they were.

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 2016-04-14
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Payment was made on XXXX XXXX, 2016 and still have not credit my account. 
XXXX Ditech Logo BUY A HOME HOME REFINANCE CALCULATORS RESOURCES MANAGE MY ACCOUNT LOG IN UPGRADING OUR SYSTEMS IN XX/XX/XXXX Home / Upgrading our systems in XXXX We 're making improvements We 're improving our systems to serve you better. 
We 're upgrading our systems! 
Thank you for your patience. 
Ditech is in the process of upgrading our systems. When this work is complete, our customers will experience more efficient service through expanded capabilities like : Faster billing statement delivery Improved online payment options Digital alerts through text or email Free automatic payment plans On Friday, XXXX XXXX, your account access will temporarily interrupted as we install these upgrades. 

Customer service phones & online systems will be unavailable on Friday, XXXX XXXX As part of a planned systems upgrade, the XXXX online service, our automated phone menu, and the customer service call centers will be closed on XXXX XXXX, 2016. Ditech will reopen for business XXXX XXXX and on that day our customer service center will stay open until XXXX XXXX CST to serve you. 

XXXX account data may be unavailable in MyAccount until XXXX XXXX XXXX XXXX XXXX, you will be able to access your secure information in MyAccount. However, for some customers, the information shown there will reflect only Ditech mortgage loan activity as posted through XXXX XXXX, 2016. Any payments made on or after XXXX XXXX, 2016, may not be visible in your transaction history or your balance until XXXX XXXX. 

Payments made on or after XXXX XXXX will post on the date received If you make a mortgage payment on or after XXXX XXXX, 2016, we will post your payment effective the date it was received. Your up-to-date account information will be visible in MyAccount on or about XXXX XXXX. We will post all payments received on XXXX XXXX with an effective date of XXXX XXXX. 

Thank you again for your patience. We expect these upgrades to improve our service and your experience with ditech. 

ditech, a XXXX company XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation