BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-15
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Credit determination

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 public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We believe Fay Servicing & the investor behind our loan been purposely delaying the short sale process, ignored the short sale request and valuation disputes, did not cooperate with seller or buyer or their respective agents even though there is every evidence that the short sale valuation was most legit and up to par value of not only their own BPO ( Broker price opinion ) but our buyer 's offer, and additional appraisals & reports done by licensee 's. They have refused to send additional inspector even though they promised in writing and agreed to consider their original request was outrages. Their staff dragged the time purposely, knowing the market is changing and forcing homeowner to do deed in lieu by threatening for foreclosure and not responding to the short sale request. The detail of the complained will not feet in this section, so there is an additional letter in a separate attachment including most evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
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: Information belongs to someone else

Complaint:
Experian, XXXX and XXXX are reporting some fraudulent account s on my credit report. Here are the list of the fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX, XXXX and TranUnion are reporting some fraudulent account s on my credit report. Here are the list of the fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}

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 2021-09-28
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I attempted to get some information validated on my credit report. The credit bureaus have yet to respond to me or validate any of the information i have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I attempted to get some information validated on my credit report. The credit bureaus have yet to respond to me or validate any of the information i have disputed.

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 2015-07-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Failure to disclose investments. related cases are XXXX, XXXX, XXXX. " I '' XXXX XXXX XXXX have Assets, Investments, Securities and other personal and real property and co mingled Personal Fortunes. This includes Cash, Jewelry and other Assets which are stored in XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX. Citizens Bank ( formerly XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX to XXXX Safety Deposit Boxes. The City of XXXX, various Federal and State of XXXX and XXXX. These Entities should have Vested interest when these Boxes are opened as they are included in shares of the wealth of my Personal Fortunes as described with other additional instructions and information left in the Boxes. My sister XXXX XXXX XXXX, now of XXXX, XXXX was granted access under certain Terms and Conditions and has shares of the Assets if she performs per the signed Agreement. This was Signed in 1979 and the Agreement authorized by all Parties. This and other Agreement meetings were held from XXXX through XXXX of 1979 at XXXX XXXX XXXX in XXXX, XXXX. As best as described, a " Letter of Performance of all Parties '' was left with XXXX XXXX XXXX XXXX XXXX, all Parties, Myself-XXXX XXXX XXXX and XXXX XXXX XXXX have to be present when " I '' XXXX XXXX XXXX or XXXX XXXX XXXX or other Parties initiate the opening of the Boxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: BARCLAYS BANK DELAWARE
State: TX
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:
RE : Dispute Barclay XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXXXX I am writing this letter to let you know that I have disputed the information with XXXX XXXX and Barclay Bank remaining on my because it is outdated. I am requesting they be taken off my report because the First Dates of Delinquency on both the Barclay Bank ending in XXXX and XXXX XXXX account # XXXX XXXXXXXX XXXX are XXXX  XXXX as shown on my XXXX, XXXX and XXXX reports dated XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX ; this is correct The date of first delinquency was XXXX  XX/XX/XXXX, which means the account should be removed XXXX  XX/XX/XXXX. Yet all 3 bureaus All 3 bureaus are listing the date of first delinquency is XXXX  XX/XX/XXXX which is incorrect, and tbureaus have the removal date for these accounts as XXXX  XX/XX/XXXX which is incorrect ; the correct date of removal should show XXXX  XX/XX/XXXX. 

I have requested and disputed this continuosly. But all 3 bureaus keep saying the dispute is settle although the date is wrong. I am requesting assistance in getting these accounts removed from my credit bureau reports based upon the first date of delinquency XXXX  XX/XX/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 2015-07-29
Company: Terrill Outsourcing Group
State: DC
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Some lady from " Superlative RM '' called my parents in NC trying to find out where I can be located. However, I spoke to a representative of SM a week ago regarding some payday loan debt that I do not owe and asked them to send me a letter in the mail. I did receive a letter, but why are they contacting a third party when they have talked to me directly over a XXXX ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have been making as high of payments as I can on my Sallie Mae loans. Because I am not paying the full amount they are calling me multiple times a day, yesterday I received 5 calls. They are also sending emailed every single day of the week. I believe this would be considered harassment as I am making payments from every paycheck. I have replied to an email stating they can not continue to harass me regarding my loans as I am making payments. Please let me know if there is anything I can do to stop these phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was the victim of fraud with XXXX. The thousands of dollars was charged to my PayPal Credit Account. I have spent countless hours on the phone with XXXX and PayPal. PayPal is not reachable, the phone menu goes in circles and ends up with over 60 minute hold times. On the rare occasion someone does answer the phone their accent makes it possible to understand them. I am unable to log in or use the app for the last several months. The website and app continue to give me error messages and will not allow me to change my password. I still have no idea what has happened after 9 months!

I do know that PayPal has reported me late to the credit bureaus 3 times as a result of this mess. I demand that PayPal remove all negative reporting.

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 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the creditor on my credit file. The bureau has failed to provide documentation and only respond back with a generic " verified '' response. They havent indicated how it was verified, or whom they spoke with and what information was shared with them that shows it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.

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 2021-09-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
my chase freedom unlimited credit card account was closed on XX/XX/2021 because they said that I had to many accounts open recently/ to many authorized users on my account. 
I recent have had issues with chase regarding this issue on XX/XX/2021 where they closed my account for adding authorized users to my account. so I called around to different bureaus about this matter and they advised me that I was well in my rite to add authorized users to my account.on XX/XX/2021 I received a call from chase stating that I did nothing wrong by adding my family members/and tribe members to my credit card account and they reopened my account and increased my limit from 99 authorized users yo unlimited authorized users and advised me that my account would not be closed for adding authorized users so what I did was I had them draft me a letter stating that I now have access to adding unlimited authorized and that my account would not be closed for doing so. on XX/XX/2021 chase closed my account for the exact reason they did back on XX/XX/2021 for adding authorized users so with this complaint I would like to get my account back open and get this matter resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Better Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I originally was pre-approved with Better Mortgage for a mortgage up to {$540000.00}. That fell to {$330000.00} after a hard credit check. I thought that was settled since they continued with the process as if they had approved the loan. I proceeded with the process to purchase the home as if the loan was secured. ( See attached paperwork ). 
At the very last moment, Better reversed course and declined the loan. 
They gave no reason at the time, but an email I received 3 weeks later states that one of those reasons was due to too many hard credit checks. 
They are one of the companies that performed several of those hard credit pulls. My credit score fell 100 points from XXXX ( good ) to XXXX ( poor ) overnight for no foreseeable reason after they reversed their decision. I didn't open any new line of credit and I wasn't late on any payments. I know that I make more money and have ( or had ) a better credit score than many they extend larger mortgage loans to. 
I believe that Better may be engaging in discriminatory practices based on a protected class covered under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Revenue Recovery Bureau (Closed)
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After an emergency room visit, the hospital sent the wrong billing codes to my insurance. This was clarified to the billing department at the hospital and they promised to amend. They never did and sent this as debt to a collection agency. After discussions with my insurance, the insurance decided to pay me directly for the amount and I subsequently sent payment to the collection agency. I then received an invoice from the hospital showing I owed {$0.00}. Two weeks later I get another letter from the collection agency to collect what appears to be the same debt under a different account number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attempted to pay off my student loan with Sallie Mae. During this process I used the system to view the current balance/payoff amount of my loan and checked that option on the payment form. I specifically chose this option and not Last Statement Balance since the statement balance may have possibly been not current. After submitting the proper amount for the current balance/payoff amount the institution billed me for additional expenses. There was no disclaimer or information shared with me that they would process any additional charges and since I selected to pay off the loan it, to my knowledge, payed off the full loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This amount was paid when I switched from my personal account to my business account. This amount that is trying to be collected should never be a debt. I still have current running service paid monthly on time with company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
an account was added to my credit report w by a debt collection agency that i never even had original name XXXX from XX/XX/XXXX which i never even had an account with this bank i closed all of my credit cards in XX/XX/XXXX the company is Portfolio recovery and they keep changing the dates regularly every 6 to 8 months and under the credit reporting act in california after 3 years they are to be removed and that is why they change the dates regularly and a second company XXXX XXXX  is also doing exactly the same thing because neither one of these companies are located in california

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Paypal Holdings, Inc
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:
XX/XX/2022, {$790.00} I disputed a charge that was originally cancelled and got charged again for {$790.00} since then I filed a dispute with my bank as well as sent out a message to the seller who since blocked me on all of her platform. Paypal sided with the seller when its clearly i got scammed by the seller. This purchase was a educational group where you pay a subscription to enroll and I am not in the group which i paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage originated XX/XX/XXXX with XXXX XXXX - XXXX XXXX was paid off through a refinance with the same bank XX/XX/XXXX. The mortgage filed XX/XX/XXXX book XXXX page XXXX was never released. XXXX XXXX was eventually acquired by Huntington Bank. Requests for the release have been made via e-mail on XX/XX/XXXX and on XX/XX/XXXX, the requests included the title search showing the old mortgage as well as the HUD-1 showing the payoff. When I spoke with Huntington 's customer service on XXXX I was advised that all items submitted through XX/XX/XXXX had been completed. I re-submitted to the e-mail address they verified on XX/XX/XXXX. I spoke with them again today and keep being told there is no incoming phone line to their paid release department so the can not answer my question as to where is the release or what other information may I provide to assist. Really, no incoming phone lines to a department in a bank? 

Mortgage customer service tells me they can only go by the messages they receive from the paid release department advising them of the submission dates that have been cleared. I have a Home Equity line with another bank that is expiring and the lack of release is precluding us from going forward with a new line. The title company, XXXX XXXX that handled the remote closing ( in my dining room ) is no longer in business. Attached you will find copies of the HUD-1 and additional documents from the refinance that paid this loan, as well as a portion of the title search showing the unpaid lien.

Company response to consumer: Closed with explanation