BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
My name is XXXX XXXX XXXX and I have a Macy 's Credit card reward joint with my husband XXXX XXXX XXXX. I would like to file a complaint against Macy 's for unfair credit discrimination and retaliation.I had filed a complaint against Macy 's before regarding almost same issues but ever since I filed the complaint, Macy 's has been retaliating against us numerous times for no reason. We feel that we are being attacked by Macy 's lately. Every time I call they continue to ask my husband information to verify the account after I provided them with my information and I explained to them that I am a card holder not an authorized user. They drop our credit limit XXXX to 4 times in less than a year. My Daugther has a Macy 's credit card and they drop her credit limit once in 1 year and she pays her bill every other month. I recently contacted Macy 's and requested our bill to be send in the mail because I have a problem signing up online and until this date they have yet to do so. The law provides protections when we deal with any organizations or people who regularly extend credit. If I am responsible to pay the bill, why they do n't increase or decrease our credit limit based also on my credit score. My husband is a victim of I identity theft and is taking a long time to fix it. I have contacted the corporate office numerous times and they never return my phone call but my husband calls who 's XXXX and a XXXX they intermediately return his phone calls. Macy 's has been violating the Equal Credit Opportunity Act. Our account is open since 1996 and Macy 's does n't take that into consideration.

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 2021-08-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was going through a divorce and had to move out of my home. My wife was still living in the home. I began to work with a real estate agent to complete a short sale on my home. Per the lender, all documents were submitted that were needed. We had been working and cooperating with the Select Portfolio since the short sale file had been opened. My lender began asking for duplicates of information already sent. At the request of the lender, my agent re-submitted all information. Upon calling in to get an update, the mortgage lender stated they cant help me due to a foreclosure sale date being established and because they mailed out a document that needed to be sent back that I never received. I am just trying to sell my home via a short sale and have done everything that was requested of me. It seems as though they are trying to force me into a foreclosure and not assist me with my property and that's not right. Can you help me in some way please. My foreclosure date is XX/XX/21

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX  and XXXX  Credit Bureaus failed to comply with XXXX Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have several credit card acct on my credit that I was listed as an authorized user never seen are used the card before..ithink someone might have my info

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Solidus Group LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On Tuesday, XXXX XXXX, 2015 a bill collector at the number XXXX called me XXXX times between the hours of XXXX and XXXX and would only identify himself as XXXX XXXX or XXXX XXXX. The voice mails stated they have a complaint in their office corresponding to my name, address, and SSN and I have to call them back within XXXX hours to address this complaint or else they will send a process server. When I called back, the agent did not immediately disclose that it was an effort to collect a debt, he was rude when I asked him to get to the point and tell me what they were calling me in reference to. I hung up on him. Then he called back and left my full SSN and DOB on my voicemail and said I have to call him back immediately or I will " be scheduled to appear, '' and failure to do so will result in " further consequences. '' He called again and I when I asked him to stop calling me he talked over me and said that he can send the process server to my job and I need to take care of my business and grow up, before hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Global Trust Management LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To whom it may concern this is a ongoing problem with the practice of this business after I was being told there be no more further collection and their statement was forwarded to Department of Business Oversight of California I still continue to receive different types of collection agency attached is the documents trying to have a mutual agreement they had ( 4 ) different licenses and ( 2 ) different addresses neither from California also 4 enforcement actions. I was unaware of their practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
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: Personal information incorrect

Complaint:
I have told Experian that my phone number is not and never was XXXX. Experian refuses to remove this phone number from my account. This is illegal! I've contacted all my banks and lenders who say they have never associated this phone number with any of my accounts.

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 2018-05-28
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I used to buy on a monthly basis cryptocurrencies on Coinbase.  Everything went fine for months but suddenly the started in XX/XX/XXXX to account some extra fee to my XXXX card bill which they described afterwards in our mail communication as " cash advance fee ''. 
So I started writing back and forth to Coinbase and my bank. But one day as they usally like to do so on other topics too the communication with Coinbase stopped. 
My last knowledge about this situation is, that my bank and XXXX says that Coinbase is responsible for accounting that " cash advance fee '' while Coinbase says it is not.

So my last question to Coinbase was : " So when you know that this fee is accounted, why don't you comminicate it to your customers? I got a bill of my purchase. There's already a credit card fee included. But the cash advance fee isn't listed anywhere. '' Coinbase never answered this and because I'm still in contact with my bank and XXXX I'm inclined to the view that they are right and Coinbase is trying to not face the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is not reporting my credit information or XXXX  score on my credit report. I have sent Equifax my W2s, drivers license, utility bill and they still have failed to update my score and report. I have disputed hard inquiries I didnt authorize and they still have failed to update my report. I have called to escalate and they will not allow me to speak to a Manager. I started communication in XXXX and they still have not responded or updated my files. I can be reached at XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: NV
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 already submitted this complaint. However, the companys response was very unprofessional and completely missed the point of what I said. So, I will resubmit. There is an inaccurate Bankruptcy reported on my credit report. XXXX, who is the provider of information to XXXX  as well as the other two Bureaus, has deleted this item because they deemed it inaccurate. Again, I will add this documentation to this complaint again. Also, third party vendors do not receive information from the Bankruptcy courts. They do not received the full SSN. So, XXXX YOUR THIRD PARTY has deleted it and it is illegal to continue to report something that is inaccurate on my report. My middle name isnt even correct on this Bankruptcy. You claim XXXX verified it but thats impossible since they already sent me the updated file with it completely removed. The results in the response I was sent that you cited in the response all say verified by XXXX. How is that possible if XXXX has deleted this? It isnt. Also, there is a screenshot from XXXX stating that they provide public record information to 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 2016-09-18
Company: CITIBANK, N.A.
State: NM
Product: Credit card
Issue: Billing disputes

Complaint:
Home Depot sent my bill to the wrong mailing address. Once I realized it I called Home Depot corrected my address & as soon as I received the bill the bill I paid it in full, less a penalty. Despite agreeing to take the penalty off they continue to add a penalty every month.

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 2021-08-30
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
-Submitted initial deferment exit request on XX/XX/21, with 19 attachments meeting application requirements. 
-Called on XX/XX/21 to inquire the status, and was informed by an agent that my application was mistakenly filed in another program ( short sale instead of deferment exit ). 
-Sent email on XX/XX/21 recapping the phone call, and asking to confirm status. Sent original email as an attachment, demonstrating my original request and how Freedom Mortgage had messed up my request. 
XXXX called Freedom Mortgage and spent more than 2 hours on the phone trying to get Freedom Mortgage to process my request under the right status. I was contacted by a supervisor by phone and email, and she assured me she was working on the issue. She admitted Freedom Mortgage made a mistake and committed to fixing it. 
XXXX Received email from the supervisor stating the issue was escalated. 
XX/XX/21 Received another letter requesting incorrect information- sent email to supervisor. 
XX/XX/21 Let supervisor know I will file a complaint.

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 2021-08-30
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : FIDELITY CREDITOR SERV ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I have a BestBuy card which is managed by Citi. BestBuy routinely promotes that you consumers receive certain months without interest but that all interest is cumulative and payable if all amounts are n't paid before the expiration of the promotion. Citi/BestBuy, however, limits the number of payments that can be made on the card, which I believe is to trip people into failing to make payments on time and then being able to charge all backdated interest.

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 2021-08-30
Company: Shellpoint Partners, LLC
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: Their investigation did not fix an error on your report

Complaint:
This company, Shellpoint Mortgage, is inaccurately reporting late payments to my account, during a Covid 19 forbearance plan. I have contact the company multiple times and they will not update the information. 

They have been contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and their claims resolution company refuses to update the status of my account. 

I have also disputed this information with XXXX  and XXXX, who will not update the status either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2021-08-30
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Im a natural Person and consumer ACCORDING TO THE TRUTH IN LENDING ACT I did two consumer credit transaction with CHYSLER capital acting as the ORIGINAL CREDITOR ACCORDING TO THE TRUTH IN LENDING ACT I Credited this transaction with my credit card and signature when applied this information to the credit application ACCORDING TO THE TRUTH IN LENDING ACT I granted CHRYSLER CAPITAL CREDIT according to THE TRUTH IN LENDING ACT Should be no down title 15 usc 1605 says so TILA IM THE ORIGINAL CREDITOR ACCORDING TO THE TRUTH IN LENDING ACT Affidavit is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
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:
I have reached out to the companies listed on this report and have also hired an attorney that has helped me with getting a few accounts resolved and removed from my credit report. I have also made complaints about the bureaus failure to provide there verification process in validating these fraud accounts that I did not consent to. I have since placed a fraud alert on my reports in efforts to take precautionary measures and I am very disappointed in the outcome of my past dispute.

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 2021-08-30
Company: Navient Solutions, LLC.
State: MD
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 asked for for my forbearance to be applied with Navient they however didnt apply it to all my loans in which they were reporting me 150 days past due I reached out to them and they said in XX/XX/2020 they couldnt remove the reporting there agent neglect to put all my loans under forbearance thats not my fault if I requested my loans be in forbearance they have not reported 51 late payments to my credit for over two years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: CITIBANK, N.A.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Citibank has sent me to collections because of a checking account that I had with them was overdrawn due to fraudulent charges. I call and call and call and no one gets back to me or assists me. My checking accounts with them are overdrawn because someone stole my identity and used my accounts, not sure how they did it when there was n't much money in the accounts.

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 2021-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today I spoke with XXXX XXXX at BofA who said I would no longer be able to do online wires or online banking and that I could not transfers funds because I am 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 monetary relief
Consumer complaint received 2015-04-21
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other fee

Complaint:
I bough consumer goods at Best Buy in XX/XX/XXXX upon the " promotional offer '' of 24 months no interest. I have made payments every month on-time since having the card through an automated payment system. I signed up for " paperless billing '' at some point owing to the benefit to the environment. I did n't realize that I was n't receiving notification of my payments or my bill in my inbox despite Best Buy claiming to have records of sending them. Today I called in to my account to reset my password and asked why my account balance had increased so dramatically. The agent on the phone explained that when the " promotional period '' expired in XX/XX/XXXX I was charged all the interest from the amount of the original purchase from the 24 months, which was a total amount of {$1100.00} and the rate of interest on my balance was lifted to 25.24 %. My current outstanding balance stood at {$580.00} so I could not believe that this was possible. I explained my situation for which they apologized agreeing that not everyone gets the " paperless bills '' and made me the offer to reduce the amount of the interest being charged by 50 % if I paid off the principle amount of {$580.00} in this day and this day alone. If in fact I did not pay today, the representative could make " no guarantee '' that the offer would be extended again. I countered him offer by agreeing to pay the outstanding amount of {$580.00} + the APR against the amount due since the period expired at the excessive rate of 25.24 % for a total of {$640.00}. He said he could not accept this offer. 
In summary I have made payments against this account on time every month and maintain that I received no notification of the penalty associated with not paying the balance of my account in full before the " promotional period '' expired. I am requesting that they drop the interest from the promotional period entirely, in exchange for payment in full of the principle balance. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
All three credit bureaus are reporting different credit reports for account # XXXX. The reports are erroneous and I disputed this alleged information to each credit bureau and nothing has changed.

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 2016-11-17
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
LVNV Funding is negatively reporting on an alleged debt that is 8 years and 4 months old. LVNV bought this debt and began reporting negatively XX/XX/XXXX. 

XXXX and XXXX have stopped including this report but XXXX still includes the negative reports from LVNV. 

I made a complaint to with the CFPB ( # XXXX ) asking XXXX to stop including this report, and to provide evidence of the debt. They stated that the, " data furnisher ( sic : LVNV ) has verified the accuracy of the disputed accounts, '' and that, " On XX/XX/XXXX, the results summary was sent to of you for review. '' This summary was NOT delivered via email, nor mail. 

LVNV not XXXX have not validated the accuracy of the LVNV to me personally, an alleged debt bought from XXXX and first reported negatively over 8 years ago in XX/XX/XXXX. This debt, and the subsequent claim from LVNV, should thus be immediately deleted from my account.

Company response to consumer: Closed with explanation