BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-31
Company: BARCLAYS BANK DELAWARE
State: RI
Product: Credit card
Issue: Rewards

Complaint:
I had XXXX " miles '' on my XXXX card issued by Barclays Bank , also known as Barclaycard , when they suddenly closed my account without notice and for no apparent reason. ( See Exhibit A ) When I called to inquire, the rep could n't figure out why, but said there is nothing he can do about it. 
It seems like a deceptive business practice to tell me I can earn and redeem " miles '' then just close my account out of the blue without compensating me for the value of the rewards that I earned. 
What Barclays Bank calls " miles '' are rewards redeemable at a rate of XXXX cent each for travel expenses charged to the card, with 10 % of them being returned to the " miles '' balance. As you can see from Exhibit B, their website promises : " Redeem your miles for travel statement credits, and earn 10 % miles back to use toward your next redemption. " Thus, the value of XXXX " miles '' would be {$1200.00}, with 10 % of the miles ( XXXX ) being returned to my account after redemption, which I could then use for another redemption of {$120.00}, making the total value after just XXXX redemptions {$1400.00}. 
It seems deceptive that Barclays Bank would encourage customers to earn these " miles '' and then close an account without notice or reasonable cause. 
I have been an excellent customer. My FICO score has ranged between XXXX and XXXX over the past year, according to Barclaycard itself. 
I have never made a late payment, nor had a bounced payment. In fact, I generally have paid early ; Barclays Bank sends out emails, starting off " Why wait? Make a payment now '' encouraging early payments before the due date. 
Not only have I used this card for a significant amount of my spending, but I 've also responded to their promotional enticements. For example, Barclays Bank encourages the purchase of gift cards, such as by offering XXXX ( XXXX extra points per dollar spent ) by buying XXXX XXXX XXXX XXXX through their Barclays RewardsBoost online shopping portal. ( See Exhibit C ) I have done that. 
I 've been deliberately trying to earn " miles '', and as shown in Exhibit D, Barclays Bank claims repeatedly that there is " no limit ''. 
It is deceptive for this bank to entice people like me to use this card, accumulate a significant amount of rewards, then pull the rug out from under me. 
Their website touts " 300 years of experience has taught us a thing or XXXX about financial services. '' It seems like whenever Barclays Bank is in the news, it 's for some sort of deceptive practices or fraud - apparently they think have become very proficient in that sort of thing. 
I will consider this matter satisfactorily settled if my account is credited for {$1400.00}, the minimum amount that my earned miles are worth if redeemed for travel statement credits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Other

Complaint:
My complaint is in regards to the Synchrony Bank/Wal Mart account in which the business is currently reporting the DATE OF FIRST DELINQUENCY as XXXX per XXXX. The reports provided as attachments clearly show something different. Please, see the attached reports. Per the 81-month history for this account on all the credit bureaus, the first 30 day delinquency occurred in between XXXX - XXXX. Those areas have been highlighted.

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 2016-09-27
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Application processing delay

Complaint:
Citibank NA refused to approve a Citibank Credit Card ( Costco Private Label ). I contacted Citibank directly. I was incommuication with a XXXX XXXX on XXXX/XXXX/XXXX and was told to put a appeal on the incorrect deliquent from XXXX. Received a letter of Credit Decision. Citibank used XXXX as there provider. There was a error on my report and was corrected by XXXX and the Deliquent item was removed on XXXX. I called Citibank on XXXX/XXXX/XXXX asked for approval and was denied again. Attached is the letter from Ciitbank. I spoke to XXXX XXXX XXXX from the Office of the President on XXXX XXXX XXXX stated " Once the Deliquent Account is removed on Experian than the Credit Card would be issued ''. Now Citibank is changing there story and found another avenue to deny the Card. XXXX XXXX made several remarks that are contrary to the decision denials. 

I am asking the CFPB to fully investigate Citibank NA on there deceptive practices on Credit Approval for a based upon misleading statements from the Office of the President and Risk Management from Citibank NA. 

Application Number XXXX XXXX MD 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 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX  XXXX {$730.00} XXXX XXXX XXXX XXXX {$60000.00} US DPT ED XXXX {$2600.00} US DPT ED XXXX {$3700.00} DPT EDXXXX XXXX {$3700.00} XXXX  XXXX XXXX {$400.00}

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 explanation
Consumer complaint received 2020-03-15
Company: LEXISNEXIS
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was working trying to buy a car and the strangest thing happen. I was told about a Bankruptcy from New York ; however, I live in the great state of Mississippi. I sent one of those dispute things to LexisNexis because the credit place said they used LexisNexis to verify this type of information. It has been over 30 days and I've heard nothing from LexisNexis. A lawyer told me they had 30 days to respond and if they do not that is a violation of the FCRA. I have not heard anything from them - and I need this negative information removed from my credit report and LexisNexis reprot.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: AFNI INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AFNI is trying to c ollect a bill from  XXXX   XXXX   XXXX  in the amount of {$440.00} which is incorrect. My assigned acct # wit h AFNI  is  XXXX .  XXXX   XXXX   XXXX  continued to bill me after my request for the service to be cancelled. Then sent this erroneous amount to a collector. THIS IS WRONG!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: U.S. BANCORP
State: ID
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: Problem with personal statement of dispute

Complaint:
In XXXX these two charges were processed on a US Bank credit card that I called and closed in XXXX of XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX MA {$96.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX DE {$99.00} I have to assume that even though I asked for the card to be closed it was, in fact, not properly closed. Due to this belief, and because US Bank did not send me any statements to notify me that these charges existed, I was unaware of them until I received a letter from US Bank notifying me that the account was 30 days past due. Consider that for 8 months I believed this card was closed. I lived my life as if this card was out of the picture, obviously I was not attempting to log in and check on the balance and payment. 

Upon receipt of the letter, I called US Bank to pay off the card and, again, close the account. I also explained the situation, asking if US Bank could remove the 30 day late report. They said it was not something they had the ability to do and I would need to discuss with the credit bureaus. For the record, I don't believe that is accurate. I believe US Bank does have the ability to correct this issue. Nevertheless, I proceeded to challenge this 30 day late with all XXXX bureaus. 

XXXX just concluded their investigation and has not removed the 30 day late for the reason that " The company that reported the information has certified to XXXX that the information is accurate ''. That is an apathetic " investigation '' at best. I never claimed the information was not accurate. I am claiming that the charges should never have happened and that I had no idea they even existed because US Bank did not notify me of them. For those reasons I should not have a negative mark on my credit report. Again, this has occurred on a card that should be closed. 

My credit score is supposed to reflect my ability to use debt. In 25 years of history I have never had a single negative mark on my credit report. If you see my report you will notice that I paid every other debt leading up to XX/XX/XXXX, during the month of XXXX, and thereafter. This situation has nothing to do with my ability to responsibly use debt but rather has to do with a failure of US Bank to close my account as requested and subsequently failing to notify me that charges existed on this card.

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 2017-03-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for american express platinum card on XX/XX/2016 because i saw them advertise ( XXXX Membership Rewards Points if you spend $ XXXX in the first 3 months ). After spending $ XXXX in 2 months, i was awarded the points. When i went to redeem the points, XXXX put a block on the points and are investigating my account. I called them and see what is going on but was not given any reason or timetable to when the investigation will conclude. This is false advertising. I paid all my bills in full and my balance is XXXX. I did not do anything wrong to be treated like this. I have many XXXX cards and this is the first time i 'm being investigated. 
please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: LEXISNEXIS
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:
I have been reaching out to remove a bankruptcy from my credit report for several months now. The company in question, Lexis Nexis, has falsified information as to how they received access to this information, violating the law as a result, and asked them to do the right thing by removing this information from their record, and I have yet to have received a response in over a month. This inconvenience has had a major impact on my life and ability to apply for anything credit related, and I want this removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
Account XXXX : XXXX As a consumer by law, this account must be deleted immediately Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud. This account is also a duplicate acc Account Number : XXXX As a consumer by law, this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Movement Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
A friend urged a borrower to call me because they wanted a second opinion on a loan process. ( I am an XXXX in XXXX and XXXX ). When the borrower explained her story, I told her the transaction was illegal, and I specifically told her why. 
XXXX XXXX of Movement Mortgage in XXXX is her LO in question. The borrower is purchasing a home with her step dad as a co-borrower. During the application process, the borrower explained she will be renting out rooms in the new home. After she gave me all of her income and application information, I explained she qualified for FHA, but not Conventional. Then she remembered, and said, the MLO, XXXX XXXX said if her step dad and Mom could produce a lease to rent out their home ( within the same city ) that the rent could be used to help them qualify for the Conventional loan. ( Yes, could, if following guidelines ). However, he sent the borrower a lease contract and told her to find someone to sign it. I informed the borrower that a mortgage loan must be honest and that by filing fraudulent information and documents could be mortgage fraud. Not only for her, but her parents, the people who offer to sign that lease contract, the MLO, and possibly the Realtor. I told her I could help her with the loan in the honest way, but only with FHA. When I spoke with her again, I further told her that the conventional loan and renting criteria should have the homes over XXXX miles away, but if there truly were circumstances, and truly the parents were moving in, then she may be able to get that approved with him, but again, told her she is going to need to document the truth. But to pretend, to file, and to move forward in a fraudulent manner could get her in big trouble. She said she spoke with XXXX XXXX about this, and still felt he could do something to make it OK. She said he and the Realtor were now going to give her a gift card also to work with them together ( Sounds like the Realtor and him should share a prison cell ... At least the gift card is legal. ) I was previously a XXXX XXXX and I have never seen more corruption than in this industry. Perhaps I should be a mortgage cop! I do n't mind not being chosen for loans that will get everyone in jail, but I am truly tired of seeing it happen. This is not the first time Movement Mortgage has hit my infraction radar, just decided it is time to start reporting people to someone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: WLCC
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: Information belongs to someone else

Complaint:
I'm a senior and a veteran that has been a victim of identity theft. On XX/XX/19, I received my TRANSUNION credit report that had the name and adverse info. of an identity thief, including several inaccuracies. I requested correction of 38 inaccuracies, including the fraudulent accounts opened by the identity thief. His delinquencies and new inquiries for credit caused my credit score to drop about 150 points. XXXX has adamantly REFUSED to make adjustments and increases to my credit score. The inaccuracies caused prejudice to my creditworthiness. The other two credit reporting agencies did not have damaging identity theft info. XXXX failed to alert me of the ID theft and fraud even though a fraud alert was on my credit report. I have been rejected for an auto loan as a result of XXXX 's obstinate refusal to correct the damage by this identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XXXX XXXX, XXXX and XXXX XXXX, XXXX, I disputed a XXXX debt in the amount of {$2200.00} on my credit report Account # : [ Acct # XXXX ] asking that the credit bureaus show validation of this debt that I owed it, without sending me a viable evidence I indeed owe this debt. XXXX send me some kind of an agreement, which had not a signature. Since the CRA have posted the debt on my credit report, I have the right to verifiable evidence this debit belong to me.

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 2022-03-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian : During dispute phases, this company refuses to remove the account and conduct accurate verification. The accounts are removed for XXXX hours at a time and placed back on the report thus lowering the score by more than XXXX points within a few days. It has furnished inaccurate accounts without the debt collectors first contacting myself in regards to the account. I still do not know what the accounts are in regards to and have never been contacted in anyway before the information was furnished. This has resulted in multiple credit applications and mortgages being denied thus furthering the defamation of my financial character.

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 2016-10-11
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card
Issue: Credit determination

Complaint:
On XXXX/XXXX/16, applied for a credit line increase on my mastercard account with Barclay USA. I received a denial letter dated XXXX/XXXX/16, this denial letter reflected an incorrect credit score, incorrect denial reasons, and was outdated back to XXXX/XXXX/16 ( over XXXX wks ). Barclay claimed they received this credit information from XXXX. On XXXX/XXXX/16, I got my annual free XXXX credit report, report reflected the opposite of what Barclay USA Mastercard Services claimed. On XXXX/XXXX/16, I contacted XXXX, rep " XXXX '', verified no negative information on my credit report and gave a XXXX point increased different credit score than what was reflected in Barclay 's USA letter dated XXXX/XXXX/16 to me. On XXXX/XXXX/16, I then contacted Barclay USA, rep " XXXX '', questioning the incorrections & not current credit information & score. I additionally asked why my statement which was due on XXXX/XXXX/16 was still not processed nor was there interest fees correctly updated & reflected. " XXXX '' asked to " hold on '' so she could get her service manager on the phone, " XXXX '' then transferred me instead to XXXX, rep " XXXX '', who also again reflected that Barclay USA written claim denial of credit information & score was inaccurate. I then asked XXXX rep XXXX for written XXXX credit report be sent to me due to Barclay 's credit increase denial for written verification directly from them, in addition to my free annual credit report obtained online on XXXX/XXXX/16. My complaint : Barclay USA Mastercard Services Company appears to be in violation of the " Fair Credit Reporting Act '' & using " Deceptive Credit Consumer Tactics '' with utilizing " outdated '' consumer credit information & inaccurate credit scores in their business letters, and additionally deceptively trying to pass the " blame '' on to XXXX Credit Bureau in the process. Please additionally note, that in XXXX 2016, my original Barclay Mastercard, a CHIP card, was breached, ID theft and fraudulent charges occurred. My local police department report was made and Barclay reissued me a " new chip '' card/mastercard. It appears there is some deceptive business practices ensuing with this 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 explanation