BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-18
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, a XXXX sales representative visited my home which I signed a contract with XXXX for a Bundle ( TV, Internet, Phone ) the bundle price was {$94.00} per month. The salesperson also acknowledged that since I am a XXXX I am eligible for an additional {$10.00} discount. After calling XXXX and their representative walked me through signing up for this XXXX discount XXXX then cancelled out my contract from {$94.00} monthly to {$150.00} monthly. I began receiving monthly bills for {$230.00} to {$400.00}. This is clearly fraud against XXXX. I called XXXX for months trying to correct this problems and was told by their representative that the amount that I am being charged on my bill is what I am going to pay. After not getting any results I then told XXXX to cancel my service because this breech of my contract. They then told me if I cancel my service I will be charged an additional {$200.00} cancellation fees. Now they have sent my information to XXXX different bill collections agencies that are now harassing me for monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Rewards

Complaint:
I have the citi prestige card. It is supposed to reimburse your airline credit in the amount of {$250.00} every year. I made a purchase on XXXX XXXX on XXXX XXXX. When it did n't post i called and they told me that i needed to fax in a copy of my ticket. I did this, waited a couple weeks and called in again. They said they never got it. I then talked with XXXX from team XXXX who assured me that this would be taken care of if I emailed him a copy of my tickets. I emailed it to him like he said - elite @ citibank in the subject line i put attn : XXXX, team XXXX. My husband also had to do this. Eventually my husband 's posted but mine still has n't. 

Here is where it gets even worse, i have now contacted citi about this 11 times.On times 1-9 they said that i would post on next statement and if it did n't they would follow up with me. Well, very frustratingly, they have never posted and they never follow up with me. Yesterday, through private message ( time # 10 ), XXXX told me it did n't qualify. This floored me after all these contacts i have had with citi and i called in. The lady i spoke to 2 mroe times yesterday assured me that she would contact her supervisor when he arrived and call me back and take care of it. 

Guess, what, she never called back! I know this should n't surprise me as that is what everyone has done. I would encourage Citi to go back in and look and the contact i have had and time i have devoted into getting my airline credit on this expensive card. I have no doubt spend over 6 hours of frustration trying to get this done on my time outside of work. I am very highly disappointed in Citi 's actions. It seems to be a textbook case of how not to run a business.

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 2016-09-11
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
This collection agency is on my credit report on the XXXX its on there theree times. I never applied for payday loan. I never even heard of XXXX XXXX. I am thinking my idennity was stolen or its a scam. I never received any info on this. I do want this taken care of and off my credit reports. I have spoken to the state police bout this. I would like to know who did this so charges can be pressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Citi Bank had a promotion requesting general public to open saving account, maintain the required balance for 3 months and receive the cash bonus. Through their promotion page, I enrolled, opened the account and maintained the required balance. Citi bank promotion page did not say it was a targeted promotion. 3 different citi bank phone representatives confirmed that I have met the requirements of the offer and even gave me a date that by XX/XX/2016, the cash bonus will be credited into my account. On inquiry in XX/XX/XXXX, I was first told that it was a targeted promotion. When I proved that it was n't, I was asked to visit the nearest branch to submit all the documents and they will help me resolve the matter. The Branch officials simply washed their hands saying since I opened it online, I should contact the citi bank phone officers. Citi bank Customer support seems clueless about the matter where they are agreeing that I met the conditions but do not know how to resolve 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 monetary relief
Consumer complaint received 2016-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX at XXXX, texas XXXX, XXXX XXXX used outdated information against me in the Texas corporate law of Texas, would not give me copy, asked to mail me one instead he change subject, tried to manipulate me, i know this i have receive a settlement on the same law violation, I told them that like he did not care ( corruption ) and working another one,,, ,XXXX is commit fraud, discriminate, identity theft or XXXX,,, he could not go back so far, not work related, not to exceed a certain amount, its clothing co,,,,, he claims he does it all the time its company policy to brake the law or bended engaging organised crime thru parties,,, the client tells him to do it,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
State: GA
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:
Applying for a mortgage loan and XXXX XXXX said when they pulled the credit report there were items in the Disputed Accounts section. I have called each credit agency XXXX, XXXX and Experian and all of them say that they are not seeing the following accounts in the Disputed Accounts section but the bank says they are incorrect. Need these accounts removed from the Disputed Accounts section ASAP. they show no issues with payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX and Experian

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 2016-12-05
Company: Benuck & Rainey, Inc.
State: NH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
A woman called me on a blocked number. She told me she worked with XXXX and asked if I was who she was calling. She asked if I got a letter in the mail and tried verifying my address. I asked what company she was calling from and she said bennick and rainey. After she continued to ask questions and I asked what kind of company it was and she told me she worked with urgent care. After I refused to answer questions she told me she was a debt collector and any information obtained would be used to collect a debt. After I told her the urgent care billed my insurance wrong she asked for my insurance information and I would n't give t and she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My complaint is with U.S. bank cardmember service XXXX N D.XXXX.Person resolving this matter name is XXXX cardmember service rep. Her contact number is ( XXXX ) XXXX Fax XXXX.On XXXX/XXXX/2015 I XXXX XXXX was only to have a debit transection of XXXX dollars to be taken out of my visa card, not XXXX dollars.The company that took the XXXX dollars name is I PASS. On XXXX/XXXX/2015 U.S.Bank card member service refunded my account in the amount of XXXX dollars here is copies of all my documentations. Now U.S. Bank.card member service is saying I did make the XXXX dollars transection when I did not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was XXXX I visited XXXX and as a federal employee there is a co-pay paid up front of {$35.00}. This was paid and I received XXXX services. I went back to XXXX from my XXXX XXXX XXXX and XXXX sent out a billing that I did not receive since I was in XXXX. Upon my return in XX/XX/XXXX, I ran my credit report and saw an XXXX bill and paid the {$70.00} on XXXX XXXX XXXX ... 
from XXXX XXXX XXXX XXXX : XXXX XXXX/ONLINE PMT/XXXX XXXX XXXX /WEBWhen I saw this still on my credit report I contacted XXXX XXXX XXXX , Director of Financial Operations , XXXX who in turn contacted XXXX and advised them to remove from my credit report, XXXX acknowledged that they would ... I followed up with XXXX one year later since it was still showing on my credit report. XXXX stated it would be taken care of again.Currently it is on my credit report with TransUnion under XXXX, XXXX. XXXX stated they called XXXX to have them remove immediately, yet XXXX has now removed this item, and Trans Union is now showing as a collection and a balance due of {$70.00} with XXXX and not XXXX. Trans Union is not using due diligence and is ignoring both me and XXXX. 
I am attaching my XXXX Health report that states the following:1 ) Visit to Doctor XXXX : which XXXX has on their data records and which has been paid to XXXX of XXXX on XXXX XXXX XXXX upon my return from XXXX , which XXXX confirms payment for Doctor 's XXXX ( see XXXX attachment ) 2 ) Visit to XXXX XXXX : which XXXX has on their data records shown as Doctor XXXX XXXX which has been paid on XXXX XXXX XXXX upon my return from XXXX , which XXXX confirms payment for Doctor 's XXXX ( see XXXX attachment ). 
XXXX I am also attaching a billing statement from Doctor 's XXXX dated XX/XX/XXXX that also shows a {$0.00} balance!!!! 



There are no other visits to any XXXX since I was only home for XXXX weeks at a time and have been XXXX since XX/XX/XXXX. The XXXX Health report goes back to XX/XX/XXXX. 

Product_Or_Service : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
US Bank continues to harass us. Regardless of what they tell the CFPB, they refuse to speak with me about anything. They say they are waiting for court documents and won't speak to anyone other than XXXX XXXX even though they know he is deceased and passed away 2 years ago. This time, the contact is for a completely new issue. US Bank has always paid our homeowners insurance policy. According to our insurance company ( XXXX XXXX XXXX ), US Bank made a payment a few months ago and this payment paid the entire policy until it renews around XX/XX/2021. Absolutely nothing is due until the next period starts in mid XXXX and the Insurance company won't even know the rate until early XXXX. 

In a letter dated XX/XX/2021, US Bank says our homeowners insurance has " expired ''. In this same letter, they stated that they plan to buy insurance for the property and it may be SIGNIFICANTLY MORE EXPENSIVE and may not provide as much coverage as we already have. 

Since they paid the entire premium themselves, they should be able to check their own records and see that the entire amount is paid up for at least 7 weeks. As a mortgage company, someone in their office should be aware that I can not even make a payment towards the next billing cycle until the insurance company sends me a renewal Since they plan on buying insurance for a property that is already covered, they will probably try to pass that premium on to us. We will NOT be responsible for this amount. 

Lastly, they say they will record every call to us but don't want us recording them. Colorado is a single-party consent state when it comes to recording phone calls so I have notified them verbally that I record every single call they make to me. This complaint will serve as a written notice that I will continue to record every call they make to me. 

If the CFPB or FTC would like to listen to some of these calls, please let me know and I will gladly forward the recordings. Please see last response from US Bank to CFPB. They state that they will discuss this with me but they still refuse to speak with me when I call. Also, I tried calling the phone number in the letter they sent but it goes to a 3rd party and this letter was sent by US Bank, and wasn't sent by the people at the phone number i was instructed to call.

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 2016-06-18
Company: Komyatte & Casbon, P.C.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have continued to receive medical debt collections from Komyatte and Casbon over the past XXXX years that were sent to collections prior to being paid to the medical facilities

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 2017-02-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have 3 hard inquires from this company that i never applied for and the credit bureaus are giving me a hard time about removing them

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 2017-03-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I got an alert from XXXX that experian inserted a new inquiry on my credit report. I 've never heard of this company, XXXX, never aufhorized any inquiry from them, it just popped up.

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 2021-05-24
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: Was not notified of investigation status or results

Complaint:
The Credit bureaus seem to throw my letters out or do not do anything on my file. I have late payments that are not true. I want the inquiries I did not authorize removed. I have several accounts that do not belong to me. My name and alias names need to be corrected. My addresses are wrong as well. I am attaching a letter of explanation.

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 2015-06-16
Company: DriveTime
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car XX/XX/XXXX. At the time I had filed a chapter XXXX bankruptcy. I had just completed my final hearing. I lost everything. After being advised by my lawyer, I was cleared to find a car. I had to have a car. I went to drive time in XXXX, N.C to purchase a car. I was asked for a final hearing letter from my bankruptcy. The car was approved and I was told with more money down, I could reduce my interest. I did pay XXXX dollars down. I have had a excellent payment history. Around XXXX XX/XX/XXXX I noticed a drop in my credit score. Drive Time had deleted my account from all credit files. As of date, it has not been placed back. I am told, the credit bureau will not allow it. After speaking with XXXX credit, I am told this is not true. Why are some account being reported and my account is not? Did drive time illegally sell me a car? What are they hiding and why is my credit score suffering XXXX to?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
After i consulted with my medical provider, i was asked to speak to the billing coordinator prior to scheduling anything She provided me with literature about care credit financing attachment included It was aligned to me that there were various payment options available including promotions for interest free financing over periods of 6, 12, and 18 months. I was told my purchase would also qualify because it would exceed the minimum purchase requirement. I was also told that i would have to be approved for credit worthiness. The credit application was submitted and accepted. The purchase was made in the amount of {$4300.00} and automatic payment was subsequently set up for $ XXXX monthly which would coincide with 18 months of payments totaling {$4500.00} so that the balance would be paid by the promotional expiration. Since automatic payments and electronic statements were enabled no statements were viewed until within the last week when the balance was checked in preparation for the final monthly payment only to discover that the promotional rate had expired and we were charged the purchase interest rate approx {$1100.00} as well as a few months interest. I was immediately sick to my stomach as i was unaware of how this could have happened. After contacting my medical provider i was told repeatedly I 'm sorry there is nothing we can do we only offer 12 month financing. I explained that i had the brochure i was provided stating availability of 6,12, and 18 months promotions and that i was told we had the option of all three to no resolution. i took further action of contacting care credit, explaining the situation in full as well as requesting to speak to the dispute resolution department. I was told by the representative that the dispute department could not help me and would not speak to me. I asked the representative if she could assist me and was told no, i inquired who i could speak to about my situation to find a resolution and was told " nobody ''. I was left without any action and felt totally taken advantage of as well as left helpless and with guidance as to how to proceed. I plan on paying the full balance including the interest charges despite feeling completely ripped off and that i should not have to based on the following : Deceptive Enrollment Process- I was not provided adequate guidance making me aware of the available options, terms and conditions by the dr 's office and was never contacted by the credit company. 

Inadequate Disclosures- The only explanation offered about available promotions was through the dr 's office billing staff which aligned that i was able to use any of the available options in the brochure.

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 2021-05-24
Company: CITIBANK, N.A.
State: VA
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:
Purchased a XXXX dishwasher online on XX/XX/2021 and charged the purchase to my XXXX Shop Your Way credit card. 

Due to a delay with the manufacturer the dishwasher installed on XX/XX/2021. Upon testing it is observed the top tray is broken and rubs against the rubber seal. Instead of insisting to remove it from the residence, a call was placed to the installer. 

The same installer arrived with a replacement dishwasher on XX/XX/2021, and the replacement dishwasher had the same top broken tray defect. The old defective dishwasher left in the residence. 

A dispute filed submitted to Shop Your Way Mastercard on XX/XX/2021, for {$710.00}. 
XXXX ID XXXX is closed. No contact from XXXX, installer or anyone. Case closed with no resolution. 

Received a statement dated XX/XX/2021, with a statement balance of {$0.00} XXXX of {$710.00} posted on XX/XX/2021, from XX/XX/2021 Called XXXX XXXX XXXX XXXX multiple times in excess of XXXX XXXXXXXX  and not able to speak to anyone

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 2016-07-01
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I signed up to check all XXXX credit reporting bureaus on the " Score Since '' website on XXXX XXXX XXXX. On XXXX and XXXX I noticed a negative report that I was n't notified of by phone or mail on this negative account. It was reported to both credit reporting as being Reported Since XX/XX/XXXX Date of Status XXXX/XXXX/XXXX Last Reported on ) @ XX/XX/XXXX for the amount of {$570.00} Terms 1 month. Reported from Kansas Counselors Inc. XXXX. XXXX XXXX XXXX XXXX, KS. XXXX # XXXX. I have never received a statement by phone or mail. I have resided at the same residence for 6 years XXXX XXXX and the same phone number. I called K.C.Inc. on XXXX XXXX to file a dispute with them was told " I could n't file a dispute '' ... '' I might as well just pay it '' ... '' who pays my bills? " .... It was a very humiliating and demeaning response!

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