BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On Saturday, XXXX XXXX, 2019, at XXXX XXXX I applied to Sams club- Synchrony Bank for a credit card to take advantage of a XXXX credit on a purchase for applying. 
This morning XXXX-2019 I received a denial letter-email with reason for denial ( Existing account with our credit program. I called and verified I have no Sams club master card. 

And in fact I have a Lowes card a paypal credit account and a amazon account all in great standing. 
My problem is I have a hard pull for what I was told a mistake on their part and was told to submit another application and get another hard pull. That is not acceptable not to mention I am going to be billed full amount for monitor I bought. 
I have a excellent credit score and this is just wrong on so many levels

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 2021-04-20
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I started using my XXXX account in XX/XX/2020 to trade cryptocurrency after that service was added to Paypal. From that time, I was trading and taking profits which were transferred to my bank accounts as needed. I was also transferring money back to Paypal to purchase cryptocurrency again when the prices rose. In other words, I was making a small income from these trades. Suddenly, on XX/XX/XXXX, I had a message in my Paypal account saying my account was limited and I had to submit various pieces of information to have it restored. I sent a photo of my drivers license and a photo of my bank statement as requested. Another request was to explain a transaction but when I opened the page to do that, there was no transaction listed that needed to be explained, so my response was " What transaction? '' On XX/XX/XXXX, I got an email saying that my account was restored. I began trading again and transferring money between accounts and on the XXXX, I had another message in my Paypal account saying it was limited again. Paypal requested the bank statement and an explanation of a transaction again. I sent the bank statement and because there was still no transaction listed to explain, I responded " What transaction? '' again. On the XXXX, I got an email saying my Paypal account was permanently limited and that I could no longer use Paypal. It went on to say that my funds would be kept for 180 days. What is left in that account is cryptocurrency whose value is fluctuating. At the time of the account being locked, the value was over {$1000.00}. Today, its value is {$880.00}. It may have less value or more value in 180 days but it should be my decision whether to hold it, buy more, or sell. I want and need that hold released at least long enough to have the cryptocurrency value back to what it was before the account was locked. Then, I will gladly remove it and have no more to do with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-28
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I started making monthly student loan payments XX/XX/XXXX. My loans were consolidated and transferred to Fedloan on XX/XX/XXXX. 
I have been employed full time and have made monthly payments every month since ( XX/XX/XXXX ). My correct payment count towards PSLF should be 77 as of today ( XX/XX/XXXX ). 
According to the Fedloan website I have only made 43 qualifying payments. 

I first contacted Fedloan on XX/XX/XXXX in an attempt to rectify this discrepancy. I have subsequently contacted them on multiple occasions without a response or explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28
Company: College Foundation, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I use a non-profit business, XXXX XXXX XXXX, to help me with my loans and understanding payments, terminology, options, and other miscellaneous issues that are relevant to student loans. XXXX XXXX is my representative from XXXX XXXX XXXX and together we have phoned XXXX as a conference call on multiple occasions over the past few years to get answers to some questions regarding my private loans. On Wednesday, XX/XX/XXXX I attempted to reach CFNC by phone to discuss my increasing monthly payment on my private student loans. 
XXXX has stated in previous conversations that they do not work with 3rd party callers ( despite my presence on the line and confirmation of all of my account details ) but when we have requested to speak to a manager in the past, we have been transferred to the appropriate person and have been able to discuss my account and ask questions. When XXXX and I phoned XXXX together on theXX/XX/XXXX, the first representative was very abrupt and rude in our requests to speak to a manager. We explained that we were both on the line and just wanted some questions asked about my options for repayment plans. Finally we were transferred to an assistant supervisor, XXXX. XXXX was extremely rude and unprofessional. She had an aggressive, impatient attitude towards the two of us and was completely unwilling to help or discuss anything with us. She disconnected the call by hanging up on us without letting us know she was ending the call. An assistant supervisor from XXXX hung up in our face within less than two minutes of being on the phone with her, which took us over 20 minutes to even get through to someone we thought would be willing to help. 
I am doing the best I possibly can to repay my loans and XXXX is not only offering a lack of assistance in helping me to do so, but also is very unprofessional and disrespectful in their customer service.

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 2021-09-23
Company: CITIBANK, N.A.
State: CA
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:
Transaction Details : Transaction Date : XXXX Transaction amount : {$610.00} Merchant : XXXX XXXX aka : XXXX XXXX  XXXX Dispute Details : Bank XXXX XXXX XXXX  XXXX XXXX Fax : XXXX XXXX Dispute amount : {$610.00} Dispute ID : XXXX XXXX XXXX aka XXXX is the company my retirement  company  contracts to purchase amusement park tickets ( XXXX ). XXXX  XXXX  aka XXXXXXXX is managed by XXXX XXXX XXXX ( XXXX  ), is located in Florida. 

On XX/XX/2021, I went on XXXX to purchase ( 5 ) XXXX tickets. As directed by their website, beforee purchasing the tickets, I clicked on their link to review the XXXX calendar to ensure XXXX XXXX XXXX XXXX reservations were available for Monday, XX/XX/2021. According to the XXXX  link, their calendar indicated " Tier " 2 '' was available so I purchased ( 2 ) adult and ( 3 ) children 's tickets for a total of {$610.00}. After purchasing the ( 5 ) tickets with my Citi Bank credit card, I printed each ticket as directed. Next, I attempted to make our XXXX XXXX reservation for XX/XX/2021, but was informed by the XXXX web site that the park was not available, so I immediately called XXXX XXXX  ( XXXX  ) customer service at XXXX XXXX and was directed to call XXXX customer service at ( XXXX ) XXXX opt # 1. Their customer service rep told me the " third '' party ticket company ( XXXX  ) was not providing " real '' time park availability on their website. " The Tier 2 tickets that XXXX  website were available were not " unable '' and only Tier 5 tickets were eligible for XX/XX/2021 ''. Another words, the tickets that XXXX  sold me were " unuseable ''. I called XXXX  and informed them about the information that XXXX customer service had told me that XXXX  sold me " unusable '' tickets. Two days later I received an email from XXXX  indicating they were unable to upgrade my tickets to Tier 5 and were not able to refund my {$610.00} since my purchase was made as a " final sale product ''. 

In summary, I have ( 5 ) XXXX tickets that cost me {$610.00} that are " worthless '' because XXXX  sold me " unusable '' tickets that XXXX will not honor or allow me to upgrade to '' Tier 5 ''. 

On XXXX, I filed a dispute with CitiBank informing that I received a product that was " unusable ''. On XX/XX/2021, CitiBank informed me that the merchant ( XXXX  ) would not " honor my request for {$610.00} credit '' and they ( CitiBank ) do not have the authority to " reverse the charges ''

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 2020-06-22
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Credit Acceptance Corporation is erroneously reporting my account 30 days past due to the major credit reporting agencies. I have reached out to the company to dispute this erroneous reporting and to request a statement of payments and charges. They have stated to me that I have to complete a dispute form and that would be mailed to me. I have requested this information since XX/XX/2020 and it is now XXXX and I never received the document. I requested it twice. There is a discrepency of approximately {$180.00} which I believe are late fees, however they are reporting my payment of {$520.00} late since XXXX and my regular monthly payment is not 30 days past due. The representatives are rude and are not clear with what the discrepency is. Please assist me with dealing with this matter. The remedy I am seeking is for XXXX XXXX XXXX to remove the late reporting to my credit reports and to correct my billing. Thank you.

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 2017-08-28
Company: ENCORE CAPITAL GROUP 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 information incorrect

Complaint:
I am currently in the process of trying to purchase a condo in XXXX. In order to do that I need to get a loan ( FHA/Conventional ). In talking with a couple of different companies ( XXXX XXXX, XXXX, XXXX ) this month ( XX/XX/XXXX ) to get a loan, they informed me my credit score was just below the threshold to get the loan. 

While investigating my credit report, I noticed there was a charge for {$320.00} with Midland Funding.Neither XXXX XXXX or XXXX would identify who they were. However while talking with XXXX XXXX, they informed me that Midland Funding is a 3rd party collection agency. They informed me of thisXX/XX/XXXX. 

Upon informing of this I placed a call to Midland to verify what the debt they were trying to collect was for. They informed me it was for a debt on behalf of XXXX. Which is odd, because while I did have a XXXX card, I paid it off over over 4 + years old. In fact, they actually deactivated my card because of inactivity. 

After contacting themXX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX, I spoke with 5 different representatives for Midland Funding LLC. I specifically asked them, what were the charges for. I asked what is the invoice owed, what are the specifics to this debt. Not one person could give me an answer as to specifics of this debt. They only would say you had a XXXX card from XX/XX/XXXX- XXXX. Nothing more. Which is why I am disputing it. I do n't believe I owe this at all, and they have n't provided anything showing I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Siggi LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am an XXXX XXXX XXXX in the XXXX and I was XXXX XXXX XXXX XXXX of 35.948 % or one loan and 34.025 % on another loan for a 24 month time period.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX I had received a voice-mail from a number labeled as " Spam Risk '' by AXXXX XXXX XXXX XXXX ( XXXX ) XXXX regarding a delinquent payday loan from XXXX. The individual contacting me did not disclose their name, affiliation, or the reason behind these potential legal actions. They did leave the number ( XXXX ) XXXX. Later that day I received an alarmed phone call from my mother saying she received a similar message. 

I received another call the following morning around XXXX from a man who identified himself as a XXXX XXXX XXXX " XXXX '' or " XXXX ''. A third party collector located in Florida, XXXX. ( Extension XXXX ) During this call I agreed to XXXX installments of {$100.00}, provided a debit card to be charged ending in XXXX. 

The following day I had discussed this with a father 's friend who is a recently retired attorney and was advised to acquire verifying information and read through the FTC website. 

XX/XX/XXXX at XXXX am I had contacted the company to request a business address, email and a business license number to vet their legitimacy. I was told to contact Check n ' Go to " follow the chain of transactions '' to verify their business on my own with nothing but the last four digits of a transaction number. I had been subject to a data breach in XXXX of XXXX. So this was not concrete to me. 

XX/XX/XXXX at XXXX am I called again. I was directed to a Senior Supervisor by the name of XXXX. I was requesting a business license number and a mailing address to vet them. ( I recorded this call but only recorded my audio by mistake. ) She the stated, '' Since you're uncomfortable paying us I'm going to delete your information and we will be proceeding with the city of XXXX to send a civil officer. Then we will proceed in court. Good luck. '' She had hung up before allowing me to petition this let alone providing any information at all about their business. 

I requested information to verify the legitimacy of " XXXX '' or " XXXX '' of Florida a total number of 4 times without receiving the information that should otherwise be public. Threats to contact prior employers, neighbors and family were made over my first discussion with XXXX XXXX. The company made contact with my relatives through procedurally generated numbers and disclosed to them that I am in legal turmoil. I believe this debt had been expunged or exceeds the statute of limitations within the state of California. I expressed emotional duress and was given little to no time to negotiate or vet this business. I also have a saved copy of the mentioned voice mail as well as a one way recording of my final discussion with this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Citi Bank. XX/XX/XXXX on my XXXX Credit Report Citi Bank - XX/XX/XXXX on my XXXX Credit Report I have not ever applied for a Citi Bank Card. I have requested a copy of signed aoplication for cerification or removal. I have disputed theough voth credit bureaus to no avail

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 2022-09-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX XXXX Filed Date XX/XX/2012 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 2017-04-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On Sunday,  XXXX   XXXX ,    2017,  I,  XXXX   XXXX , received a telephone call from a debt-collection agent. The agents name was  XXXX   XXXX , and he was representing an organization of swindlers call ed Midland Credit Services or Midland Credit Management or Midland Funding LLC . I,  XXXX   XXXX , am filing this complaint against this agency for trying to collect a debt that they purchased, according to what this agent was claiming, even though I did not have any knowledge of these organizations and their use of federal government policies to countersue every consumer. Since they know that the system in our counties is broken and corrupt, it is easy for them to counterattack their victims. I have recorded a voice conversation with  XXXX   XXXX  lasting ab out 10 minutes and 12 se conds, which could give you a clue about how these scammers represent themselves. The following information is based on a credit ca rd ( #  **************** ). This account has been collect ed, [  unintelligible perhaps and because they break their promis es, ] t hey take the money and disappear. This account had already been reported to your respective departments because of fraud. During the time that this account was active, I had an insurance policy that would cover any loss or, in case I lost my job, would cover the entire amount owed. I cant upload this conversation to your system for you to hear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/22 XXXX XXXX XXXX reported as a inquire on my account. 
Equifax XXXX XXXX I have done no business with XXXX XXXX, I called there office and they were unable to find my information in there Data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is not a duplicate complaint and I did not hire credit repair company to file this report and its not filed by a 3rd party. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name : DPT EDXXXX Account # XXXX Account Name : DPT EDXXXX Account # XXXX Account Name : DPT EDXXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For over a year, I have been filing disputes almost monthly with Equifax Credit Bureau about a collection account with XXXX XXXX XXXX that is not reporting accurate nor have I received the proper documents proving the debt I have asked Equifax over 12 times to verify this debt which they keep coming back saying that they have I then asked Equifax to provide me with their method of verification which Equifax will not provide me with saying they dont have that I need to contact the company I respond to Equifax letting them know I have contacted the company and they will not provide me with the proper documents Equifax has not done the proper steps to verify this debt but still reporting this on my credit file I have asked them to delete it over and over

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
as i obtained a copy of my credit i notice accounts that was n't mine. I reached out to XXXX to dispute the accounts. later to find out that XXXX sold the account to two different collection agencies ( which both is reporting to my credit for the same thing one is just {$1.00} more ). I disputed the accounts with XXXX XXXX and Enhanced Recovery Corp ( which is the two companies ) but it has not been removed from my file. This has been going on for months and the credit bureau has yet to correct my file.

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