AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I would like to report unfair and deceptive treatment by Macys when I applied for a Macy 's American Express Card on XXXX/XXXX/XXXX. I specifically applied for the card to receive a 20 % discount. The discount was eligible for use along with the 25 % off promotion in effect on XXXX/XXXX/XXXX. The application was denied at the point of sale. I was surprised because I already have an XXXX XXXX card in good standing and my current credit score is above XXXX. I called Macy's/DSNB while at the store and after more than XXXX XXXX hours on the phone, I learned that they denied the application due to a delinquent debt from XXXX XXXX, nearly 8 years ago. The debt became delinquent, and subsequently charged off while I was in the process of divorcing. I became a single mother of XXXX boys, pregnant with my XXXX child and unable to get a job due to the economy ; thus unable to pay any bills. However, once I was employed I paid and/or settled all of my outstanding debts ( more than {$70000.00} ), including the Macy 's card. I paid the Macy 's debt on XXXX/XXXX/XXXX to the collection agency as a settlement. During my XXXX XXXX hour long call with Macy 's on XXXX/XXXX/XXXX, I was told that if I paid the 'balance due ', they would approve the credit. I was not aware of a balance due because they agreed to a settlement and provided me with a settlement letter. In addition, the credit bureau showed the debt paid in full with a {$0.00} balance after the debt was settled. I have abided by a very stick budget since my divorce and I saw the discount as an opportunity to minimize spending. I am very aware of the implications of a credit inquiry on my credit score, so I carefully read through the terms and conditions that was at the checkout register. It did not indicate anywhere that a delinquency from XXXX would be used against me ; otherwise I would not have applied. The XXXX paid delinquency remained on my credit report until XXXX ; which, although it was settled, affected by ability to obtain credit. Now, I will have a Macy 's credit inquiry that will undoubtedly affect my credit score which I worked so hard to rebuild. I feel that Macy 's should have disclosed their policy on prior delinquencies, in a clear and noticeable location before the application was submitted. Also, I do n't understand how Macy 's was able to decline a card co-branded by XXXX XXXX. At this time, I am concerned that XXXX XXXX will close my existing card and this may affect any other credit that I have. I am also concerned that the lack of disclosure will affect my ability to obtain a new mortgage this fall. 
I would like to request that your agency investigate this matter and kindly remove the inquiry from all credit reporting agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted the Medical Data systems through the mail to find out where this {$940.00} medical bill came from and if it really belonged to me and i have not received the information requested. It has been 30 days since they have received my letter. I have the letter sent to Medical Data Systems and the XXXX certified mail shipment confirmation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion has negative account items listed on my credit report from XXXX XXXX, XXXX XXXX, and XXXX. These accounts are not mine. I do not owe these companies any money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was issued a civil suit from XXXX. I XXXX and made payment before hearing. They didnt contact the court house like they said i would. I payed the debt off, but on my credit score they still say i owe money and they payment amounts are wrong. I contacted them and they give me a number where i dont get any assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to XXXX XXXX of XXXX, XXXX for my XXXX in XX/XX/XXXX. When I was registering I was told I had to pull out a Genesis Loan or I could not attend school. At the time I was more focused on the prospect of having a career to help provide for my son at the time. I graduated XX/XX/XXXX and I managed to get hired at the place that I externed at. Well, I was there for about a year and then me and my husband decided to move back down to XXXX XX/XX/XXXX Well, we have been down in XXXX for almost 2 months and I have n't had any luck finding a job. My husband just started his this past Monday. I 'm two months behind on my Genesis loan and this is the XXXX time I have ever been late on it. I was evening paying on time when I was going to school. My monthly payment is {$65.00} a month. So far I 've missed XX/XX/XXXX and XX/XX/XXXX payments so I owe $ 130 month payments but the late fees are outrageous. I owe {$100.00} in late fees as of today XX/XX/XXXX. That 's {$230.00} that I owe as of today. I wont be able to make a payment until my husbands second check which wont be until XX/XX/XXXX. And my next payment will be due on the XXXX so that 's another {$65.00} for monthly and then whatever late charges I owe by then. I 'm afraid that its going to be well over {$300.00} by the time I can pay and I wont be able to pay the full amount because its gotten so large. I have XXXX sons ( XXXX mths and XXXX yrs ) and I have things that I have to buy for them and I have other bills. I had to defer my federal loan because I could n't afford to pay on it at the moment. So any help or information would be greatly appreciated. I know that XXXX colleges are getting sue and I do n't really have an idea of what that can do for me and my family. So and info would be great. Thank you. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I am on social security XXXX and when I took out the loan for {$800.00} I did not realize that when the loan was paid that I was paying them {$2300.00}. They knew I was on XXXX and that my income was fixed. Also my XXXX is a XXXX that causes to not understand and know what I am really signing. I paid back over {$1600.00} to them and could n't any more. At the end of every month I had no money or food until XXXX on the XXXX of the month. I even called to make other arrangements but they said no. So I stopped paying them and a couple months ago made a payment arrangement with me for {$99.00} a month. I thought that was the end of the loan but I am still getting phone calls and threatening emails. I tell them I am only about to pay {$99.00} a month but they said even after XXXX monthly payments I still owe them over {$200.00} still. I asked them to send me a statement and they told me they do n't mail out anything it 's done through there website. It tells me nothing or explains nothing. I do n't have a written contract. They said I signed XXXX on line. I do n't know or remember ever doing that. I have explained everything to them but nothing matters. I suffer from XXXX and there phone calls are making everything worse. I do n't want to go back to the hospital and I have no family. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: You stated that it was not assigned to a different lender, so give me the EIN numbers of XXXX XXXX XXXX and also the EIN number of XXXX before they changed their names to Wells Fargo Dealer Services. And the last XXXX numbers of Wells Fargo Dealer Services 's EIN number as of todays date. 

Company response: Company chooses not to provide a public response
Consumer complaint: MY EX SPOUSE XXXX XXXX XXXX XXXX AND MYSELF OWNED OUR OWN HOME XXXX XXXX XXXX XXXX XXXX OR XXXX AND IN OUR DIVORCE DECREE XXXX XXXX/XXXX/XXXX AND MYSELF XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX DID NOT DISCLOSE THE SALES FROM OUR MARITAL HOME THAT WAS SUPPOSED TO BE SPLIT IN HALF AFTER LOANS WERE PAID. THE REFINANCE HOME LOAN XXXX OBTAINED FROM HIS EMPLOYER US BANK WHO FIRED HIS WEALTH MANAGEMENT XXXX PENDING INVESTIGATION. XXXX XXXX RULED ON XXXX XXXX XXXX THAT LOAN HE OBTAINED WHILE I WAS IN XXXX, THAT LOAN WAS XXXX TO PAY OFF INSTEAD HE USED HIS EMPLOYER PAID HIMSELF OFF WITH PROCEEDS OF THE HOUSE SALE MOST LIKELY LAUNDERED TO XXXX, DIDNT PAY THE LOAN THROUGH US BANK, CHARGED THE FORGED LOAN SIGNED ON DIFFERENT DATES BY XXXX THE US BANK EMPLOYEE ON RECORD AND MYSELF XXXX SEPARATE DATES AND MY ATTORNEY XXXX XXXX XXXX DID NOTHING TO HELP NEITHER DID HIS THEY LIED AND WITHHELD EVIDENCE TO THE COURTS AND MY LIFE HAS BEEN PUT IN DANGER 

Company response: Company chooses not to provide a public response
Consumer complaint: LONG STORY SHORT : UPON CALLING US BANK WHEN NOT RECEIVING STATEMENTS FOR MY CREDIT CARD, I WAS ADVISED MY ADDRESS WAS CHANGED IN XX/XX/XXXX. I REQUESTED TO CHANGE BACK TO PREVIOUS ADDRESS WHICH IS ALSO ON MY CHECKING ACCOUNT. THIS TOOK XXXX PHONE CALLS AND XXXX DIFFERENT DEPARTMENTS. MY XXXX REQUEST WAS TO GET STATEMENTS FROM THE XX/XX/XXXX DATE FOR MY RECORDS. WHILE ON THE PHONE XX/XX/XXXX IT WAS {$5.00} PER STATMENTS. WHEN I PHYSICALLY WENT TO THE BANK IT WAS NOT {$6.00}. I NEVER INITIATED THE CHANGE AND SHOULD NOT BE CHARGED. 

XXXX ISSUE : IF I NEVER INTIATED THE CHANGE THAT SHOULD BE THE HIGHER IMPORTANCE. 

XXXX ISSUE : I AM NOT PAYING FOR SOMETHING THAT CLEARLY WAS NOT AN ERROR ON MY PART. I WAS TOLD THE CHANGE WAS POSSIBLE A COMPUTER ERROR AS IT WAS NOT EVEN A LEGIBLE ADDRESS WITH ONLY XXXX DIGITS AND NO STREET NAME. 
LAST STRAW WHEN MANAGER XXXX AT US BANK XXXX XXXX XXXX XXXX XXXX XXXX, MN ADVISED ME " YOU DONT BALANCE YOUR CHECKBOOK '' WHETHER I BALANCE MY CHECKBOOK OR NOT SHOULD N'T DETERMINE IF I CAN REQUEST A STATEMENT FOR MY REVIEW IF I DID NOT RECEIVE PREVIOUS STATEMENTS. ONCE AGAIN AN ERROR ON US BANK 'S PART CHANGED MY ADDRESS AND THEY EXPECT ME TO PAY FOR IT. 

Company response: Company chooses not to provide a public response
Consumer complaint: Since XXXX over and over and over at huge expense have sent proof that XXXX XXXX is gone, forever! Despite receiving the XXXX of XXXX letters, still they put XXXX XXXX on and the XXXX XXXX XXXX for the same exact student loans. XXXX XXXX IS GONE FROM MY LIFE FOREVER, THEY SHOULD NOT BE IN ANY WAY ON ANY OF MY CREDIT REPORTS. Instead it continues to say something like " transferred to another office. '' We all know XXXX XXXX in bed with XXXX XXXX but THEY ARE NOT ANOTHER OFFICE OF THEM. XXXX of XXXX owns the loans, they are XXXX, and they are closed. The only thing that should be on my credit reports is the XXXX of XXXX, period. and they are all XXXX, and they are all closed. XXXX of XXXX said XXXX XXXX would be off last XXXX XX/XX/2014 but there they still are on all my credit reports, like I have XXXX student loans. They are duplicated on every credit report. In addition, always in deferment yet on purpose XXXX XXXX has put " late payments '' AS IF! all gone! ALWAYS GONE! We all know what crooks XXXX XXXX is and I am sick of this when THEY ARE GONE FROM MY LIFE FOREVER. GET THEM OFF ALL OF MY CREDIT REPORTS AS XXXX SAID THEY WOULD BE BY XXXX XX/XX/2014. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX we entered an agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arena Resorts. This was a timeshare for XXXX weeks at a XXXX XXXX to be built in XX/XX/XXXX in XXXX XXXX XXXX. They gave us certificates for two weeks at any XXXX XXXX in XXXX because the completion date was not until XX/XX/XXXX. When we returned home on XX/XX/XXXX, I tried to verify the certificates and found out they were not valid. I tried to call the salesman, XXXX XXXX. He gave us his phone # XXXX, which is a nonworking number. At this time I looked on the internet and found XXXX XXXX XXXX Scam. We found may reports of other people being scammed. 
We were told the Federal Consumer Protection Agency in XXXX allows us Five days to cancel this agreement. 
I canceled the agreement with XXXX on XX/XX/XXXX. I called the Visa Credit card bank to report I would like to cancel the transaction. I was told the charge had already been reversed because they had discovered it was fraud/scam. That same day my wife went on line with the Visa account and found the charge was still showing. She called Visa and she was told we would have to file a complaint and dispute the charge with Visa, which she did at the same time. 
On XXXX XXXX we were informed by a letter from Visa that they were unable to assist us with this dispute. 
This agreement was for {$13000.00}. We are not sure if we have a legal dispute with Visa, but we have been told that we do. 
Thank you for your help 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2014 my daughter started an Application online to borrow money from Sallie May. I agreed to co-sign her application. After SM disclosed their APR 11.99 % we decided not to proceed with them.SM ignored luck of my signature or copies my SSN, ID ( that was required for he loan approval ) and, having loan that was not legally established, they transferred money to the University. When we found out that SM sent money, refund to SM was requested. Due to bureaucracy, it did not happened immediately. SM started to charge me fees!!!! 
Moreover, even though I was disputing fees they were trying to collect, they already sent false information to the Credit Report System! My Credit History score dropped due to SM false report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This company by the name of XXXX. contacted XXXX family members ( XXXX my children ) with threatening information disclosing my debt and leaving information stating that I was going to be turned over to XXXX County Texas for fraudulent instrument, fraudulent bank information, litigation status. As you can imagine this caused great imbarassment to me as they disclosed this information to both of my sons and my daughter-in-law. The person that made the calls was XXXX XXXX, she left a number XXXX ext. XXXX. I returned the call and spoke with a person named XXXX, who was extremely rude and hung up on me. She informed me that they were a mediation service and that she was allowed to contact my family members at least once a day, and would continue to do so. She alsoi informed me that the amount of my debt was 2,000.00 plus dollars for a XXXX debt. I attempted to make arrangements with this company to pay this debt and told them to send me proof of debt by mail and was told that they do n't do business that way, I offered to make small payments, which was all I can afford, and they said it was n't enough, that it had to be in XXXX large payments. This XXXX informed me that my debt was switched to a different debt collector every 6 months to make sure the debt does n't drop off and continue ruining my credit. I asked them not to contact my family but she told me they were going to continue to do so. I informed her I only make XXXX per hour and can not afford to pay a large amount, to which she informed me I should n't go around making debt. I have never been so insulted and bullied in my life. I am a divorced XXXX yr old woman that lives alone and is trying to make a living. I am doing the best I can and do n't need harassment from these people contacting my family members. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Credit Bureau of Bessemer continues to attempt to collect a debt that has been paid in full. My debt was paid on XXXX XXXX XX/XX/2015. I owed {$58.00} for a dental visit charge that exceeded insurance payment. Credit Bureau of Bessemer was paid {$58.00} plus a {$5.00} phone/debit card processing fee for a total of {$63.00}. It has been greater than 90 days and Credit Bureau of Bessemer is still reporting the collection on my credit file and is still attempting to collect the debt. This is illegal and immoral. Credit Bureau of Bessemer Should be fined and audited. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have requested debt validation from this company several times. I have requested information about what this account is for, the date of XXXX delinquency, and an itemized final bill from ERC. 

The XXXX request was over 60 days ago and the last request was over 30 days ago. The only information I have recieved is a paid in full letter. I requested debt validation. 
I was told over the phone that ERC does not have this information and they need to contact the Original Creditor for this information. 
I paid this debt in full to the Original Creditor, ERC is continuing to report this debt with inaccurate information to the CRA including the date of first delinquency and the amount of the debt owed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid off XXXX credit cards in full XXXX month. XXXX XXXX Bank and XXXX Citicard. Citicard is attempting to charge me interest this month while XXXX Bank is not. Is this legal? I paid XXXX days prior to the due date. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Simon 's Agency in XXXX XXXX put a medical debt that my ex-husband is responsible for in the name of my XXXX year old child. They have relentlessly called my personal cell phone and sent letters to my address where my ex-husband has never lived. They also suddenly changed tactics and decided to put the debt in the name of my daughter. When I called they refused to change the name to the father of the child who is listed on the health insurance and who 's address is listed on the insurance ( I have nothing to do with and have never had anything to do with this insurance ). I spoke to XXXX XXXX about this matter and they called Simon 's Agency to change the name to the father, but Simon 's refused to change the phone number or address so I will continue to get the bills and phone calls. I just received a phone call XXXX mins ago. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My house was sold as a short sale through XXXX XXXX XXXX. At this point I was ordered to pay a promissory note of XXXX dollars for mortgage insurance. The servicing of this promissory note was sold to Shellpoint Mortgage Servicing. The agreement was {$200.00} a month for 12 months. XXXX date of payment was XXXX/XXXX/15. I have paid every month on time and have been getting regular payment statements showing that I have paid up to date. The most current statement for XXXX that I have received not only shows my principle balance at {$2400.00}, my account number has changed as well. I called to advise Shellpoint of this situation and they have actually XXXX different accounts under my name. XXXX showing that I have paid {$800.00} up to date and the other showing I have paid nothing up to date, but XXXX accounts have a starting principle balance of {$2400.00}. They advised me it may take up to 14 days to resolve this issue. I am concerned they are doing this to other consumers as well. I ca n't understand how they have created XXXX different accounts for my XXXX promissory note. Also the weird part is that I only received XXXX bill but I somehow have XXXX different accounts with all my information. This definitely needs to be looked into. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I missed a credit card payment on my sears card. A collection call came, and the operator told methat if I scheduled a partial payment and paid the total off on the due date, that the collection calls would stop. On XXXX/XXXX/15, {$100.00} payment was made and a payment for the rest is scheduled to come out on XXXX/XXXX/15, the due date. The operator said that the calls will stop. They stopped for a few days, buthave resumed, incessantly. Today, XXXX, I have had XXXX phone calls from them. I told them to stop calling me since i did everything they told me to to stop the calls. The last operator said they could only push the calls push the calls back until the XXXX of XXXX, and then they would resume. 
that called said they could n't push the calls back any further than the XXXX of XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a elderly XXXX person and has put my life in serious jeopardy. I filed a complaint with my XXXX and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently disputed a account from XXXX Bank formerly XXXX XXXX Bank regarding a XXXX Consumer Credit Card # XXXX this credit card was fraudulently opened using my personal information. The Bank investigated the matter then removed the account from my personal credit information And furnished me with a copy of their investigation results. However XXXX XXXX Sold the debt to a Collection agency called Pressler and Pressler LLP of New Jersey and this agency keep harassing me about this debt that has already been resolved with original creditor ( XXXX XXXX Bank ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: my foreclosure is in 1.5 hours from now. shell point is telling me i did not supply my documents in time. i just emailed the supervisor XXXX proof of an email that i sent everything in on XXXX and again on XXXX and sent in the hud and all other documents in. into XXXX shell point stated they have everything. as in a purchase contract hud offer and all the financials. They had them and in order to order an appraisal for the bank shell point has to have all of the documents. they have them all and an appraisal was conducted. now before this foreclosure auction they tell me we do not have enough time. this is absurd is this because i am XXXX & gt ; this is not fair. i am going to contact legal counsel. this jerk XXXX is literally fighting with my counsel on the phone. please postpone the foreclosure date. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was notified via a letter in the mail by home loan was being transferred to another company. I received the notice on XXXX XXXX, 2015 stating XXXX XXXX, 2015, I would be making payments to the new lender. This provided me with only 11 days written notice from my original loan servicer that my loan was being transferred, falling short of 15 days notice. I have not yet received any correspondence from the new loan servicer. 

Company response: Company chooses not to provide a public response