BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My personal credit profile was compromised around XXXX XXXX, 2016. Someone had stolen my personal information and opened up multiple accounts without my knowledge. This was reported in to XXXX, XXXX and XXXX XX/XX/XXXX and freezes placed on my credit profile. All unauthorized credit cards were closed down and I was not held responsible for any charges except XXXX. XX/XX/XXXX, individuals went into multiple Macy 's in California and were able to charge a large sum of goods on my existing Macys charge account. I did not authorize this and these Macy stores were some distance from my house. When I received XX/XX/XXXX 's bill, I learned of these Fraudulent charges and reported it to Macy along with a police report and Macy required their own form that I filled out which i did to show all the charge which were not mine. It has been over 3 months and Macy continues to do nothing except try to collect on the debt and report me late to the credit bureaus. I have always had perfect credit and can easily prove it through out the years. Now that I am being reported as 90 days late plus owing over {$5000.00}, other creditor are starting to lower my credit limit. For the last 10 days, Macys has been calling me. When I answer no one is there. Today I had a representative from Citi-Macy call my home and my husband waited XXXX seconds before the auto dial switch over to the Macys phone rep who was in the XXXX. He demanded payment from my husband who is not listed on the account. The call was recorded by Macys and my husband also recorded the call. My husband explained that the account should be listed as in dispute and that he was not going to make a payment until Macys concludes the investigation and adequete proof shows that I made the purchase at these multiple Macys, far from our residence on multiple different days. 
My issue is as follows ; 1 ) Macys is ruining my good credit by how they are reporting derogatory faudulant information on my credit report with the 3 credit bureaus. 
2 ) Macy is not acting in a timely manner. 3 months is too long to conduct their investigation 3 ) We are getting harrassed by Citi Macy collection department. They are discussing personal information with individual who are not on the Macy 's account 4 ) We are working within the confines of the law but Macy / Citi is not. The FCBA, FCRA and the FDCPA all seem to be being abused here This process has been extremely frustrating and I have spent close to XXXX hours now trying to clear my good name.

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 2017-02-17
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Limited my total allowed monthly payment so that all of it went to paying interest. I payed them {$2000.00} via certified mail return receipt requested, with a letter indicating that the contained amount was to be applied to the principle balance only. They state that they applied the monies sent only to the interest, and that it was policy to ignore any letters indicating how the account holder wanted the payment allocated. I am of the understanding that this is also illegal. Additionally they refuse to disclose to me how the interest on my account is calculated and applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: CURO Intermediate Holdings
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I was approved for a loan and wanted to take the funds but was unable to do so because I refuse to sign their Optional Payment Card Authorization. XXXX XXXX has my account on file and my debit card as well. I told the representative that I did not want them them to debit my card but they can ach the funds out of the account instead. The problem with this is that I didn't sign it before and still received a loan. Also this company has went out their way to give single payday loans to individuals and not receive a debit card on file or a check as collateral, instead they would do a draft by putting the store number as a replace of check. when I ask if they can do the same for me they stated no. 

This is a form of udaap. they treated me unfairly and treated others different. Ive work for this company for tens years now that I'm a customer mi am treated differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: MS
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-05-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I returned merchandise to Macy 's and filled out the form requesting credit to the Macy 's accounts. However they continually issue a gift card for which I did not request forcing me to go through the process of requesting a reversal to the credit card. However during this time they are charging me interest of the gift card and they do not issue credit for the interest when and if the credit is reverse. Right now I am waiting on XXXX reversals however I am having trouble get them reversed. Its taking to much time and I will be paying the interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other fee

Complaint:
I paid the " New Balance '' on my card 4 days prior to the due date. I was assessed an interest charge even though the statement indicates that no interest would be charge if the " New Balance '' was paid by the due date. I called to attempt getting the charge reversed and was given an excuse that the New Balance had to be paid in full for 2 consecutive months in order not to incur an interest charge. That is not what is stipulated in the statement. Furthermore, I believe it is an unfair practice as all other cards I have ever had do not charge interest when a balance is paid in full by the due date.

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 2015-10-31
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have been getting calls every day from Midland Credit Management. When we answer no one is there. The only reason I know it 's Midland is that I called back. We have NO debt, and have had no debt for over XXXX years. This is either an erroneous call or fraud but since no one answers when I pick up we ca n't even address that issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXXXXXXXXXX XX/XX/2016 To : CFPB and California DBO re Carrington foreclosure on APN # XXXX / loan # XXXX Dear CFPB and California DBO, I have sent this exact same information to Carrington. 
Carrington Financial Services is sending Notice of Trustee 's Sale and Notice of Sale Summary of Key Information that states the above documents " has been sent to XXXX XXXX XXXX and XXXX XXXX XXXX, husband and wife, as joint tenants, in relation to XXXX XXXX XXXX, XXXX, Ca XXXX '' The notice of sale has never been sent to XXXX XXXX as he no longer is on the deed and he no longer lives in the area. 
The XXXX problems with the Notice of Sale are listed below in bold type. 
Carrington has not responded to this missive which was emailed to them via a HUD counselor on -XXXX XXXX XXXX does not live at the above address -XXXX XXXX is no longer a joint tenant -XXXX XXXX and XXXX XXXX XXXX are not husband and wife. 
-Carrington can not state that XXXX XXXX XXXX has received the above information as he does not receive mail at either XXXX , Ca XXXX nor does he receive mail at XXXX XXXX XXXX, XXXX , Ca. 
Thank you for your attention to this matter. 
XXXX XXXX Cc : XXXX XXXX XXXX, HUD housing counselor

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I used to have XXXX as my mortgage. Then my account was sold to Carrington mortgage company XXXX this year. I used to have XXXX bank account from which XXXX drafted my mortgage payment every month. Carrington drafted the mortgage money in XXXX from the XXXX account. However, I close the XXXX account because I do not need another bank account. Then I sent the check to the Carrington in XXXX which was accepted. 
Next month, I send the check amount of {$1100.00} on XXXX/XXXX/15 which is returned. The reason was I closed the XXXX account. They demand to send certified check, which I did. They accepted this payment. 
I wanted Carrington to draft the morgage money from my bank account. They said " no '', with no particular reason to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Services, LLC ( XXXX, CA ) recently bought our mortgage from XXXX XXXX XXXX. I have not recieved a notice or letter from my new service, Carrington Mortgage Services , LLC . It has now reached the 15 days time frame I should have received a notice, as mentioned in my rights from the notice from my previous server, XXXX XXXX XXXX. 

When I called Carrington Mortgage, they refused to take a payment by phone or online. I am not current on my loan and need to make payments but it seems they are trying to make it " difficult '' to get a payment to the company. Not sharing important information of where to send the payment, not giving me my new loan number and refusing to set up payments. However when I agreed to send a XXXX XXXX they stated " I better call because they may " flag '' my loan as foreclosure. However I have not received 'Any ' information from them. I am really upset and disappointed with the company and when I asked about setting up automatic withdraw payments after the XXXX is paid and the account is current, they statement reply was - I would not be able to set up automatic withdraw payments for six months of paying current. I feel this is discrimination also due to the fact that I had a financial hardship while being laid off XXXX. Why would a creditor not want automatic bank payments??????? Straight from you account ... The answer I feel is they are trying to set me up for failure to loose my home. The law states this should not happen. I am wanting to make my payments. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Flatonia Investments, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX XXXX is soliciting mortgage loans when she is not authorized to represent anyone. She is on XXXX stating delivering gifts to realtors, soliciting for mortgage loans and talking about Envoy Mortgage. She is also on XXXX soliciting business and even has a XXXX XXXX - Envoy Mortgage page.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student Loan was serviced through XXXX/Navient. There were several times that I had XXXX issues affecting my ability to earn income. When I contacted the servicer for options I was steered into forbearance programs which increased the interest owed on my loan instead of offering any other alternatives available to me. I had no idea I had any options other than forbearance and was mislead to believe that forbearance was the only viable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We recently filed a complaint with our mortgage company and how they were overcharging us for escrow. They submitted their response and are changing the payment. However, we believe the payment should have been adjusted back in XXXX ( XXXX XXXX ) when the new Homeowner 's policy went into effect. As such, they partially overcharged us for XXXX and fully overcharged in XXXX. Again, I tried to contact them before the XXXX payment was due to no avail ( being on hold on two separate occasions for over 45 minutes ). As such, we paid the old payment of XXXX in XXXX and XXXX. XXXX mortgage should have been XXXX versus the XXXX we paid. As that difference did not go towards principal, and we are not seeing it in our escrow account, we believe they owe us the Homeowners Insurance overpayment amount ; i.e. the difference between the old payment and the new payment ; partial month of XXXX and full amount for XXXX. 

I have also reviewed our account on their website and it is still reflecting the $ XXXX amount for homeowners insurance. I am attaching for your review.

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 2016-11-03
Company: Associated Credit Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have spoke with this company and advised that this is paid in full and also called the regular creditor first energy on XXXX way with a rep to confirm and this was deleted off my report XXXX weeks ago and now brought back on my report XX/XX/XXXX. This is paid in full and i need this company investigated as soon as possible. I monitor my report and have been through many collection agencies with medical bills that has been scammers and every rep i 've spoke with have gave me different response. i have already spoken to someone weeks ago that already took care of this a deleted it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX sold our mortgage to Carrington in XXXX 2015. We received a cancellation notice from our homeowners insurance stating that the invoice they mailed to Carrington has gone unpaid! What are they doing with my money? Stealing it from us! My husband tried to reach a customer service rep at Carrington today to resolve the issue, and he was on hold for over 15 minutes and did n't get the opportunity to speak with anyone. We have a VA loan and this is how they treat military personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I believe I have Genesis loan from XXXX Colleges and would like to know if they were included in the CFPB settlement. This loan has now been transferred to another servicer XXXX XXXX XXXX XXXX XXXX 
I attended XXXX XXXX in XXXX CA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Receivables Performance Management, LLC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I went with another cell carrier in XXXX, 2016. XXXX XXXX, I received an invoice from XXXX, for the pay amount on XXXX phones that I was doing the lease on. The bill was {$590.00}. I sent payment for {$360.00}, conformation # XXXX. The payment was due XXXX XXXX. I figured XXXX would then send me an updated bill for the balance. However, without another word from XXXX, they sent it to a collection agency, RPM. 
RPM have been calling my phone and home phone 4 to 6 times a day. I contacted them XXXX/XXXX/16, to see who this company was. And why they continue contacting me. That is when I found out, it was over XXXX. I told the lady, I had not received another invoice from XXXX or even from them. She stated they mailed it and would mail another. I informed, again, I had not received notice from XXXX or them. She said they sent a notice on XXXX and that is all that is required. I informed her to stop calling and send my notice. She refused and hung-up on me.I can pull phone records to show the number of calls, I have received. RPM have made 4-6 calls daily for a couple weeks. Which is the time she stated they mailed a notice. This is extreme. They are refusing to send me a notice. I believe XXXX should send me the total, my payment, and a balance.

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 2015-08-21
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had applied for the loan to complete a XXXX program XXXX at XXXX University XXXX changed names to XXXX XXXX University, XXXX, Wyoming, XXXX. The school closed in XXXX XXXX. I went to withdrawal in XXXX XXXX but decided because I had already paid for my degree that I no longer wish to withdrawal. I received an email stating that I was withdrawan and when I asked to be reinstated they told me The University 's Board of Trustees decided last week to not enroll Inactive students and to focus the University 's resources on current, Active students. I reported them and tried to be reinstated to find out they were a complete fraud. In order to attend the school you had to pay for your degree up front in full. In order for me to do this they provide student aid services which sent me to XXXX XXXX XXXX now Navient XXXX to fund my school loan. They did and I paid for my schooling up front, which should have caught my attention, but I have been paying on this loan since XXXX for a degree I was never allowed to finish, would n't have been valid, have paid thousands out of my pocket and now I 'm still in debt thanks to this. I was n't informed of any lawsuits that were filed against the school to help some of us get our money back. Unfortuniately for me because it was n't a federal loan I do n't qualify for a discharge and I have tried talking to my loan servicer about this and I get no responses from them. I am just trying not to pay for something I did n't get. If it was a credit card or checking account I could dispute the charge but this loan there is no one to help me dispute it. The school was a fraud and this loan was paid to them. Why should I pay for something that was a fraud.

Company response to consumer: Closed with explanation