BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-16
Company: Prospect Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
My experience all started back in XXXX when I reached out to Prospect Mortgage to assist in a refinance. To make everything short, I was told to wait until XXXX to submit a refi as the particular lender they would use required a 1 year lapse since our purchase date. We went with their recommendations even though it usually only requires 6 months. We submitted everything in XXXX, and at that point were told that the 30 day close is now closer to 45-60 days to close. Again, we trusted them and went with it. Well come the 50th+ day I get a call saying that the lender will not approve the loan, even though I was told there would be NO issues what so ever. To say I was upset is being modest. So we changed a few things and resubmitted again to the same underwriter. I was told it would take about 30 days since they already had everything in our file, it was just a new loan #. Well here we are 50+ days out again and still have NOT closed! I have had no response from my loan officers for 3 + days. We received our initial closing disclosure on XXXX, which I have recently been informed that once you get those its 3 days until you can sign. Well its XXXX and I never heard anything on that closing statement, yet I received an updated one yesterday. Which now I have to wait another 3 days from this before we can sign and then another 3 days until it can fund. At this point I am hesitant that we will even sign anything this week. I was promised early last week that we would FOR SURE sign last week and fund this week ... clearly that has n't happened. I have had no communication from our loan officers in the recent days, and the communication in general is some of the worst. They have no regard to whats best for their consumer and no respect. From start to finish with this mortgage company it has been 8 months, and over 4 months since we submitted the refi!! My mom used them too recently with a horrible experience. 
I am questioning whether this is a legitimate refinance in my best interested and frankly need some answers on who dropped the ball and how many times it has happened now. I have reached out to the XXXX California rep recently but this does n't change what has happened in the past. I also feel they are hesitant to answer my questions on what went wrong and why, but I will do all my efforts to get to the bottom of this. I do n't think we will end up closing with them after all because I do n't trust it. They need to do something in best interest at this point and I will be going after them for monies spent on this loan. 
Also worth mentioning, the XXXX/XXXX/16 closing disclosure and the XXXX/XXXX/16 closing disclosure are EXACTLY the same, just different pro-rated dates because it didnt close the first time. Prospect did n't do their job clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Navient Solutions, LLC.
State: OH
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 have been battling with XXXX and Navient since 2012 about a misapplied forbearance that caused me XXXX late payments on my credit report. Even though I have never missed a payment, my disputes have always fallen on deaf ears. I even truly feel that the XXXX employee who initially made the error might have been negligent on purpose. 

The delinquencies are XXXX Signature Student Loans, which were reported delinquent in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2012. The actual occurrences of the delinquencies were in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2012. That is the first error. The second error is that the forbearance was to be applied to the starting in XX/XX/XXXX so the account would be brought current. This should have eliminated the chance of account delinquency. I would have, and should have, been been enrolled in the program without any credit bureau reports. The reduced rate repayment plan began in XX/XX/2012, which was paid as of XX/XX/2012, on my account history. The forbearance and repayment plan were a huge repayment triumph for me since my previous dues were so high I could not afford them, and then they were dropped significantly. But now, because of the forbearance error, these XXXX Signature Student Loans ( each showing three months late ) equate to XXXX delinquencies/late payments on my credit report. They have affected my credit score so badly that I can not even qualify for new school loans if I choose to go back to school. This is true, even though I have dedicated myself to loan repayment in full and have prioritized XXXX/Navient above all other responsibilities. No certified letter has done any justice. Attached is the original certified letter which is nearly what I 've expressed here in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXXXXXX Account # 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 2016-02-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
i was asked to sign up for a credit card in Macy 's in XXXX. i gave the cashier my info she gave me a slip and the merchandise charge was on the card {$26.00}. i did not recieve a bill nor the card so 3 weeks later i called Macy 's to pay my bill and let them know that i did not get the card. i gave my account info got a confirmation number and paid it by phone. today i called to cancel the card because i did not receive it. The rep told me that i have a balance she said that the payment did not go through. I gave them correct information. She wants me to pay about {$95.00} due to late fees. This is bizzarre, it makes no sense. is this really a credit card or is it a hoax. this is the number i called Macy 's Credit Customer Service XXXX the cashier gave slip which i still. my confirmation number for my payment which was on time 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 2021-01-27
Company: CITIBANK, N.A.
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020, my Citi Premier Card was used by someone unauthorized to make purchases at a XXXX XXXX for the amounts of {$1500.00} twice. I never received a fraud notification via email, and it was not until I check my statement online that I found those transactions posted. I called Citi Bank immediately to report them as fraud given that my credit card was nowhere to be found. Citibank started the process of investigation on these transactions, and about three weeks later they concluded that due to a confirmation of an email verification being sent to me the day those transactions were made, they denied crediting my account for those amounts, therefore, I will be held liable for them. 

I explained via phone call and email that I never confirmed such email verification, and that I've been having some problems with my email since I was being subject of hacking to my personal laptop. They continue to deny the claim and they refuse to help me appeal it. I have written an email to the operations manager, and called many times explaining my situation BUT all they say is that the case is closed and that I will be responsible to pay for those transactions. Ultimately, every time I call they leave me waiting on the phone for long periods of time, and basically there is no other option for them to offer at this time. PLEASE HELP!

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 2017-02-08
Company: ECMC GROUP, INC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
ECMC and/or PCR have been calling friends and acquaintances seeking information about me. Yesterday, they called a former girlfriend of my brother 's seeking information about me. This is an invasion of my privacy and is harassment, especially when they have my current address and know that I am retired.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: NY
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 uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance XXXX {$1300.00} ; XXXX XXXX Balance : {$1300.00}

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 2015-09-10
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My personal financial information was stolen from the servers of Greentree Servicing. We received a letter in XXXX regarding the theft from Greentree and an offer for free credit montering from XXXX with their ProtectMyID program. The program requires an activation code that is on the Greentree letter. Unfortunately we misplaced the letter. XXXX requires the code and Greentree is the only one who has the code. I have spoken to Greentree XXXX or XXXX times and each time a customer service agent or suppervisor tells me they will mail a new letter or call me back with the code. All lies. No new letter or phone call. Greentree is now XXXX. I would appreciate some help in getting a new letter or code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a HUGE private student loan debt from Navient formally known as XXXX in the amount of {$37000.00}. It was n't until I graduated from college that my parents and I realized that we had a private loan instead of a federal student loan. My parents and I felt we were manipulated into getting these private loans by not getting clear concise explanations before signing up for these loans. They started calling me constantly about loan payments when I graduated from college with my XXXX, stating that I had to start paying on my loans after six months. When I complained about not making enough money or having a job in my field of study to pay my loans every month they put me on " Interest Only Payments '' for five years in which I was paying {$150.00} every month only to find out that my loans were still going up! 
Now when they call me constantly about my missed payments and when I complain every single time I speak with them about not being able to afford it being that I am the main breadwinner in my household supporting my wife and myself ( with utility bills, rent, groceries and etc ), the only option they give me is a " forbearance payment '' of {$150.00} which is to stop the harassing calls to my parents ( who cosigned on the loan ) and myself and make my loans current, but by doing so will add it on the backend of my principle loans making my loan amount go up even higher! Thanks to Navient/XXXX hurting my credit score its tough for me to get a decent job in my field of XXXX because of some Employers doing credit checks. They 've also hurt the credit scores of my retired parents which is despicable in my opinion because they cant afford to pay on my loans either. Navient do not have any reliable resources or options to help people with private loans and helping them succeed in a financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I originally received a mark on my Credit Report from XXXX for an account with XXXX. I disputed the information as the amount was incorrect, and I never received verification of the debt. The account has now showed up with XXXX, and I have disputed it for the same reasons. The CRA has previously removed the information for the XXXX, but will not remove the information for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Credit Management ( MCM ) has inaccurately been reporting an account to my consumer credit reports. I have contacted MCM multiple times via mail about this account 's invalid status. This account is far past the 7 year period allotted by the Fair Credit Reporting Act ( FCRA ). MCM is in violation of the FCRA by reporting an account past the given time period. I have also disputed this account through the credit reporting agencies to no avail. I respectfully request that this inaccurate tradeline be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NJ
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:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX Account # 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 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 2020-06-16
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$120.00} XXXX XXXX {$130.00} XXXX XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX XXXXXXXX {$720.00} BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX {$0.00}

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 2021-01-28
Company: CAVALRY INVESTMENTS, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Was contacted by mail by Cavalry SPV I , LLC about an order to appear hearing. The hearing is set to be on XX/XX/XXXX for garnishment of my pay. Tried calling them on XX/XX/XXXX. They will not talk to me till the date of the hearing. I called the court that this is from. Gave them the cause No. XXXX. Was in formed that this hearing will have no involvement in this hearing. That it will be just me and the attorney involved in it. Was able to find out there was a judgement made to a XXXX XXXX XXXX in XXXX. The letter said it was sent to me by Certified Mail, and it was not. It was sent by normal mail. My wife made credit accounts under my name without my knowledge. She used my name and all other information. To be sure they were kept a secret she would make sure she saw the mail first. She used other phone numbers than the house phone also to keep me in the dark. If there was an order to appear prior to this I had no knowledge of it. I have no idea what account is talked about, when it was done or anything else. All I have is the letter from Calvary SPV I, LLC saying I owe them {$4000.00} and {$1100.00} dollars. This is the first time I have had contact with them, with very little information being made available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
I requested to file a dispuite for charges to a item I ordered and never received. The merchant sent a different item than I ordered, and was giving me the run around. Citi refused to open a dispute stating they ca n't because I have the item. But the fact remains I do n't have and never had the item I ordered. So after refusing to dispute that I disputed the charge in difference of the price when I checked out. It was {$79.00}. I was billed {$86.00}. After numorous phone calls, and being told I had to wait to file a dispuite for the charge of a shoe I ordered, and never received till the other dispuite was done. Then I could. So after Citi refunded the amount they charged over the purchase price I called back once again, and now being told I can only open a dispute once. So they took my legal right away when I first called, and refused to file a dispute for the full purchase, witch is what I first requested! After asking to talk to a supviser she just repeated herself over, and over being very rude. I then called back to file a complaint for poor customer service, and was told they are to busy, and will call me back monday morning. They never called. So I called again and was told once again they will call me Tuesday morning. Citi customer service is very poor, and down right illegal.

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 2015-05-27
Company: Caliber Home Loans, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I originally had a mortgage with Country Wide mortgage. The company was taken over by XXXX XXXX XXXX. I had paid the mortgage on time for a while. Then a few years later I started having financial problems. I tried negotiating with my motgage company and they appeared to want to work with me. As time went on I applied for a loan modification. They sent me a modification package. I filled it out and they was always some technical reason for not granting the modification such as not a complete file or the package being mailed or faxed a day late. This excuse went on for long time, My XXXX servicer was a person named XXXX XXXX. After her I had XXXX other case managers, I hired a modification specialist to handle my case and they filled out some papers ang gave me some advice for over {$3000.00}. I think I was ripped off because I did n't get any results from them. The modification process dragged on until the begging of this year when I sent a letter that my note was sold by XXXX XXXX XXXX to an investor and that Caliper Home Loans would be the servicer of the loan. I calll them and spoke to a customer representative and told her that I was interested in modifing the loan. I was sent a letter in the mail. I filled it out and mailed it out to Caliper homes in XXXX and I was waiting on results as far a my modification decision. But during this memorial day weekend someone changed locks on my home after I left that morning. I would like for someone to help me so I can resolve this issue that has been going on for years. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NY
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:
I Sent XXXX, Equifax and XXXX XXXX certified letters concerning XXXX XXXX XXXXXXXX credit card XXXX XXXX XXXX Credit card, and XXXXXXXX XXXX credit card, and they refuse to delete accounts from my credit reports I am the victim of identity theft these cards DO NOT BELONG TO ME!!! and under the FCRA they must delete especially!!!! Equifax!! I want you to investigate them they are reporting fraud on my credit report I want them Stopped!!!!! I need you to send all tree credit agencies letters ....

Company response to consumer: Closed with explanation