BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-20
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I applied for my barclay gold card actt ending in  XXXX  in  XXXX     2016. I  was informed that since I was an  XXXX   XXXX  military member all fees associated with my account would be waived and given 0 % interest till the end of my  XXXX   XXXX  commitment. In  XXXX   2016 Bar clay changed there policy and announced that these benifits would now only apply to those that had the card open prior to joining the military. This was a change from there original policy open to all those in the military regardless of the card was opened prior or after joining as long as the member was still on active orders. After I saw this change I their policy I called  Barclay and asked if i would be effected. I was told no since I had opened my account prior to the new policy that I would be grandfathered and my benifits would continue till the end of my service. I then just recently revived a new notification from Barclay  informing me that they would not be honoring the policy and that since I applied to the card after joinig I would now have to pay all fees associated with the card. I contacted barclay and asked what was going on they informed me that this was a change in policy and they could not do anything about it. I asked about being told before that I would be grandfathered as I applied prior to the new policy. They told me that I was being grandfathered but only for the fees of the year I joined and that would be it. I told them that when I first signed up I was given a letter that these benifits would continue till the end of my  XXXX   XXXX  service. At this point they just said sorry you can close your account if you want their is nothing we can do. I find this to be disturbing as the policy only changed after the fact and I did not recieve a notification in  XX/XX/XXXX  letting me know. I had to inquire to be told I would not be effected. Just to be told later on that I am now on the hook regardless of the original agreement.

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 2020-04-14
Company: EQUIFAX, INC.
State: MO
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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and saw someone opened a card in my name fraudulently with " XXXX XXXX XXXX XXXX . XXXX XXXX XXXX is attempting to collect a debt that isn't mine. There are also fraudulent inquiries on my profile as well & They are : XXXX XXXX  ( Finance ) XX/XX/2021 XXXX XXXX ( Finance ) XX/XX/2021 XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Finance ) XX/XX/2021 XXXX XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Finance ) XX/XX/2021. 
I have filed a dispute with Transunion and haven't heard anything back from them. I am attaching my Notarized Identity Theft Affidavit, My ftc report & police report! REMOVE THIS ACCOUNT AND INQUIRIES IMMEDIATELY!

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 2021-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I was recently checking my reports and I am very dissatisfied with the outcome. Back in XX/XX/2021 of this year I notified Equifax of the illegal actions that were taking place dealing with my consumer reports. pursuant to 15 usc 1681b ( 2 ) without written consent Equifax can not furnish my information it is a infringement on my right to privacy. It is a federal violation. No consent is identity theft. I have never gave my consent to furnish any of my information, and I am aware that I am a federally protected consumer pursuant to title 15 chapter 41 of the united states code. I am not understanding how a data collection agency can ignore federal law, and continue to commit the same violations, and not respect the privacy of consumers. The Fair Credit Reporting Act was created by congress as a direct result of the impact this fake bureaus are causing by undermining consumers not just myself. I demand that Equifax delete the tradeline XXXX  XXXX pursuant to 15 usc 1681 c-2 block of information resulting from identity theft ( a ) except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. I am competent and understanding of my rights, and I demand that this information be blocked in deleted. I will submit documents required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$670.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Checks arrived in email from TD Bank in my name and with my address. Contacted bank to complain. Each time I was connected with fraud department I was put on hold for 30 minutes or more and subsequently hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My complaint ( s ) :1. ) ACS has refused to answer the questions below. The questions are in response to XXXX XXXX XXXX statement to CFPB complaint # XXXX. Her response contradicts how delinquent items are to be reported under the FCRA. 
My questions : -Reporting the date of last delinquency ; does it start from the date the account first went into non payment status ( i.e. payments were to begin XXXX but a forbearance is added on XXXX account is 2 months delinquent ; does the date of first delinquency begin on the month after the first payment was due PRIOR to forbearance or does it begin at the end of the forbearance ... no payment was ever made before or after )? Considering no payments were made ; does a forbearance negate the original date of delinquency and cause it to start after the forbearance? 

2. ) ACS did not address why it is reported differently on the XXXX credit agencies. ACS stated this account is not being reported on XXXX. It is ... see below. 
XXXX : ACS/XXXX / XXXX. 
XXXX : XXXX / C/O ACS. 
XXXX : ACS/XXXX. 

3. ) ACS is telling me that I need to contact XXXX XXXX to resolve this issue. XXXX XXXX is no longer in business. All the numbers for XXXX XXXX ring back to ACS. ACS is telling me that they are not responsible for reporting because they no longer have the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I had a open account on my credit report for " Citi CBNA '' and it says it is still open and the credit limit is {$2000.00} and in good standing but I do not ever remember applying for this credit line!

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$1400.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} ; XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$570.00} ; XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$790.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2400.00}

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 2020-04-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been a victim of fraud for years. I recently checked my credit report and noticed a lot of errors and fraud accounts. I send identify theft reports and letters to bureaus and haven't received any updates to my reports.

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 2016-07-04
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account with Citibank on XXXX/XXXX/16. I used an offer that had been extended by Citibank for XXXX Thank You points after meeting the criteria of performing a bill pay 2 seperate months within 60 days of opening the account. I met these conditions and confirmed with a Citigold representative ( XXXX ) via chat on XXXX/XXXX/16 that I had met all the requirements to receive the promotion. After waiting several months, I was told by a different Citigold representative ( XXXX ) via chat on XXXX/XXXX/16 that I would not be getting the bonus and that an " investigation '' would occur to see what the problem was. On XXXX/XXXX/16 after the investigation was denied, I was told by another representative ( XXXX ) that I was declined because I could not produce any original paperwork of the offer that Citi already confirmed I was eligible for on XXXX/XXXX/16.

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 2016-07-15
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had payment agreement with a medical provider to pay bill at {$25.00} every other week which I started immediately. Provider then sent account to collection in spite of agreement and then stated they are no longer collecting the item. I have attached several docs showing that I made a {$25.00} payment and then a bill after that from the medical provider showing they transferred the account to collection company as a bad debt write off in the amount of {$750.00} despite the fact that I was making payments as agreed. The collection company, Consumer Collections Management Inc. then sent me a letter stating they are collecting the debt and the amount went up {$150.00} for a collection fee, of which they can not validate that I EVER agreed to this with the original provider. This is a clear FDCPA violation. Also, they sent me the letter saying I had 30 days to dispute the collection in XX/XX/XXXX ( also document attached ) to which I responded in writing by certified mail right away and far before the alloted 30 days. ( I have attached the proof ), however they reported it on credit immediately and despite my letter, ignoring the law. Also they did NOT respond in 30 days or less after I asked to prove or validate the debt. Consumer Collections did NOT validate the debt or that I owe them as requested. When I called today and spoke with XXXX XXXX and told her that they need to send the validation that they can charge a collection fee or I they were in violation of FDCPA, I was transfered to the supervisor who refused to give her name and then she said she would send something in writing but the collection charges still stand and then hung up on me claiming I was being rude, which I was not and have a recorded call to prove it. This company is clearly operating by collecting debts using illegal tactics and ploys all while charging illegal fees for collecting debts without the legal ability or agreement by consumer to pay the fees with orginal creditor/provider. Luckily, I know my rights. I have sent payment to the medical provider for the {$750.00} dollars to satisfy the debt in full. I do NOT owe the collection company and insist that they remove the collection immediately from my credit and NEVER contact me again. Please help enforce this and advocate my rights and protect and honest consumer or I will hire and pursue legal relief and remedy to the fullest extent of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/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 accounts that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXXXXXX Balance XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Other

Complaint:
The company made a misleading offer about opening a credit card account as registered in complaint ID # XXXX provided the following dispute/resolution : Citi ( R ) / XXXX ( R ) Account ending in XXXX XXXX XXXX : Thank you for speaking with me about your inquiry that was submitted to the Consumer Financial Protection Bureau regarding the promotional offer related to the above-referenced account. 

I regret any misunderstanding that occurred related to the promotional offer associated with your account. The offer is to earn XXXX bonus XXXX ( XXXX ) miles after spending {$3000.00} in purchases within the first three months. You may then redeem the miles for XXXX round-trip tickets with XXXX XXXX. 

I appreciate the opportunity to respond to your concerns. 

Sincerely, XXXX XXXX Response XXXX REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE*Our telecommunication number for our hearing impaired customers is XXXX. 

XXXX, XXXX and XXXX XXXX are marks of XXXX XXXX, XXXX. 

XXXX XXXX reserves the right to change the XXXX ( R ) program and its terms and conditions at any time without notice, and to end the XXXX ( R ) program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, XXXX miles earned through this promotion/offer do not count towards elite-status qualification of XXXX status. XXXX XXXX is not responsible for products or services offered by other participating companies. For complete details about the XXXX ( R ) program, visit XXXX. 

-- -- -- -Despite this explanation I did spend over {$3000.00} in purchases on the card and still have not received the XXXX bonus miles. It is especially clear now that this company has committed consumer fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
This letter is regarding XXXX Citi Cards Card XXXX : XXXX Card XXXX : XXXX A charge was report mistakenly as Fraud on XXXX/XXXX/XXXX. This charge paid a vendor called XXXX *XXXX under Card XXXX on XXXX XXXX, XXXX for {$1200.00} Citi Bank cancelled/closed Card XXXX and Issued Card XXXX. 

During the cancelation/closing period of Card XXXX, the vendor XXXX did returned the charges to Card XXXX for a credit of ( XXXX ) Attached please see the Transaction ID XXXX from XXXX on XXXX/XXXX/XXXX. This is confirmation that XXXX did refund Citi bank for the charge dated on XXXX XXXX, XXXX for {$1200.00} As soon as I received Card XXXX, I had to pay for the services of XXXX for {$1200.00} This took place on XXXX/XXXX/XXXX Payment to Citi Bank was issue under the following for the charges of Card XXXX for {$1.00} charges made on XXXX/XXXX/XXXX : XXXX/XXXX/XXXX {$500.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$220.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$500.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$500.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of {$1200.00} Why is Citi Bank not acknowledging the credit issued to them on XX/XX/XXXX.Transaction ID XXXX from XXXX ? 

Why am I being charge twice? 

Do I need legal counsel to correct a mistake Citi Bank has made on my credit? 

Did Citi Bank provided XXXX payment to XXXX. Why? or you ca n't find the returned from the vendor. Where was this credit posted to. 

Is this a case of XXXX? XXXX Florida XXXX XXXX that helps XXXX people with company as such Citi Bank. 

Do I need to report Citi Bank to the XXXX? 

Govern yourself accordingly and do your duties in locating Transaction ID XXXX from XXXX returning ( XXXX ). 

Thank you, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX 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 2016-06-10
Company: CITIBANK, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Homeowner 's loan was HAMP modified in XXXX XXXX resulting in a payment of {$750.00}. In XXXX XXXX an escrow analysis was performed resulting in a further reduction of his payment to {$420.00}. HO has been diligently paying his mortgage payment. HO has a primary residence ( tax lot XXXX ) and a rental home ( tax lot XXXX ) on his property ). In XXXX XXXX he discovered that lender had been paying the taxes on XXXX but not XXXX ( both are secured under the mortgage ). He had a {$7000.00} delinquency on XXXX that he had been making payments on. When lender discovered their error in calculation, they paid the $ XXXX plus added one year and a two month cushion for escrow, resulting in an escrow shortage of {$12000.00} and growing. Lender did not notify HO of this shortage and HO continued to make his {$420.00} payments, resulting in a negative equity situation. Lender recalculated the payment necessary ( after amortizing the shortage over 60 months ), resulting in a payment owing each month of {$980.00} creating a financial hardship for HO. Moreover, lender has yet to notify HO of this change and available options, allowing the balance to grow.

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