BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-15
Company: Eagle Home Mortgage, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was forced to start an application with Eagle Home Mortgage by my builder. I did not want to use them, told them I wsnt going to use them but they said i had to or they wouldnt sell me the home. Builder is : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX  Their lender pulled my FHA Case number and now refuse to release the case number to the lender I was always going to use, XXXX XXXX XXXX XXXX XXXX.

the lender refusing to send or release my FHA case number is : Eagle Home Mortgage , LLC Phone # : XXXX Broker Participation? X Yes No XXXX  agent : Agent/Company : XXXX XXXX / XXXX XXXX XXXX - Utah Street Address : XXXX XXXX XXXX XXXX XXXX XXXX City, State Zip : XXXX XXXX, UT XXXX   Phone : XXXX They are holding my loan and home purchase hostage by refusing to transfer my FHA CASE number that I never wanted them to pull in the first place

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 2022-01-07
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Elain Financial Services pursuant to section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act Elain Financial Services has violated the FCRA requirements by not putting the required notice of dispute on my credit report will this account is being disputed as required. Under section 623 ( a ) ( 3 ) Elain Financial Services is required to notify the credit reporting agencies that this account is being disputed when I dispute this account. This is a very serious violation of the FCRA requirements by Elain Financial Services. I have disputed the late payment for XXXX multiple times over the past serval months with Elain Financial Services and the credit bureau and the required notice of dispute has never been placed or reported in the comments section of this dispute account. I am once again providing multiple copies of resent credit reports that clearly dont show the required notice of dispute in the comments section of any report. I am also attaching a copy of section 623 ( a ) ( 3 ) of the FCRA for Elain Financial Services review. I have previously disputed the violations of no notice of dispute with Elain Financial Services in XXXX of XXXX  with no response. Elain Financial Services will give the generic response that they can review or see the proof documentation attached. How can Elain Financial Services verify any dispute if that cant review or see supporting proof documentation.

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 2015-07-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My brother 's mortgage has been on my Experian report for some time now, efforts to reach experian via phone end up with me hanging up in frustration because I can never get to a live person to find out what i need to send in to fix the issue. This has caused several attempts at applying for debt consolidation loans to be declined because of this inaccurate reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was at JCPenney store XXXX on XX/XX/19 at approximately XXXX XXXX. The cashier, XXXX, asked me if I wanted to save 40 % by opening a JCP credit card account. She said it would take 5 minutes or less. I entered my personal information on the credit card keypad in front of me as part of the application process. One part of the application had me enter my SSN. The next screen had me re-enter my SSN to confirm the correct number. At the completion of my application, I was initially declined a JCP credit card as an account holder named XXXX XXXX had an account already opened using my SSN. I became alarmed and told the cashier that my SSN was being used fraudulently as I was totally unaware of the existence of a JCP credit card account which incorporated my SSN in the name of XXXX XXXX. After the cashier telephoned a customer service agent, she handed the phone to me during which I explained my concern that my SSN was linked to a JCP account unbeknownst to me, in the name of XXXX XXXX. The customer service rep stated that she was going to put me on hold while she transferred me to fraud control. However, after approximately 5 minutes, the same customer service rep came back on the telephone and told me that a fraud alert would be placed on the XXXX XXXX my SSN account and it would be investigated. She then stayed on the phone with me while we ( the cashier and I ) again attempted again to open an account in my name with my XXXX. This time I was able to open the JCP credit card account. I completed my purchase under my new XXXX Credit Card account number. Before terminating the phone call with the customer service agent, I inquired about the fraud investigation process. The agent stated that the credit card fraud department would be contacting me. As of this date, no one has contacted me regarding this matter and Im concerned that my social security number was used to open a fraudulent account which may still be currently active. I am concerned that no attempt to reach out to me from JCPenney or their agent has been made in a situation which I find very concerning and which potentially involves my credit score/report and my identity.

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 2021-06-04
Company: Lendmark Financial Services
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are two hard inquiries listed on my credit report that I have no knowledge of from Lendmark Financial on the dates of XX/XX/2021 and XX/XX/2021. I never gave consent to this company nor do I know of this company to give access to my personal information. I have never given written consent nor signed off on anything that has to do with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX called today from XXXX XXXX? And started off by saying they are about to take civil action against me before even telling me that it was a debt from Barclays and I made the last payment in XX/XX/XXXX. I said I settled that when I bought my house with another company and dont owe it. He went from threatening to sue me to closing down all my checking and savings accounts, yelling, Youll be calling me back then!, and hung up on me. They are using a different last name ( Ive been re-married since XX/XX/XXXX! ) and he wont mail me any correspondence. Verbally abusive, calls constantly and has even called my husband!!!!!! Please make it stop. Hes literally making me ill with anxiety. All I know is hes XXXX @ XXXX ; 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 2019-09-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received an email about referral bonuses. The email states that I will get XXXX cash back for each friend who gets the card. The person I refer will earn XXXX  cash back after they spend XXXX in the first three months their account is open.When I send the link to a friend it tells them they will get a promotional offer of 3% cash back and switches the offer with no mention of XXXX cash back after they spend XXXX   in the first three months their account is open.This appears to be a bait and switch promotion which is damaging my reputation because I advertise something to my friends and colleagues that isn’t true due to Chase Banks false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: VALLEY NATIONAL BANCORP
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 checked my credit report in XXXX and it shows that 5 credit inquiries were done fraudulently under my name by XXXX XXXX on XX/XX/XXXX. This isn't the 1st time my credit is impacted by fraudulent activity. I was a victim of identity theft in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Continuously harassing me and will not stop have filed numerous claims and still continue to harassing me. Statue of limitations is up in California it is four years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: SYNCHRONY FINANCIAL
State: DE
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX ( Original Creditor : SYNCHRONY BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: DISCOVER BANK
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: Old information reappears or never goes away

Complaint:
I've paid the balance with Discover in the amount of {$550.00}, XXXX XXXX XXXXXXXX in the amount of {$400.00}, and XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) in the amount of {$10000.00} between XX/XX/XXXX and XX/XX/XXXX via checking account in a settlement in exchange for a removal from my credit reports including XXXX XXXX  and XXXX   However, it still reflects as a closed and delinquent account. Please assist with the incorrect reporting and removal of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Discover card increased my interest rate in my latest statement by .25 %. They have done this 3 times in the last 18 months. In XX/XX/2018 I closed my account with a balance so the increases would stop.

I did ask them to reduce the interest rate before closing the account but was denied.

Can they keep increasing on a closed account?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-02
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I was served with a complaint from XXXX XXXX who purchased a past debt from XXXX XXXX XXXX in mid to late XX/XX/2017. I called the company and asked if they were willing to accept a lower amount in full and settle out of court. The company representative refused to offer any discount and said it was against policy even though it clearly states in the complaint that they were willing to accept a discounted amount. I was then told that if I paid them I would not have to respond to the complaint in court and that it would be dismissed completely 10 days after the payment was confirmed. I saw no other option and asked for a letter for proof of our agreement. I did not receive this letter until 10 days later and it did not state everything that was agreed to, instead it was a generic billing invoice. I immediately called and and again attempted to receive a lower settlement amount due to my financial stress. I was denied. I then called again and confirmed that if I paid the debt on the website that I would 1. not owe any further money and 2. that my lawsuit would be dismissed. I asked for a timeline for when it would be removed from my credit and was refused an answer. I saw no other option as my time to respond was quickly approaching and I paid the full amount owed and waited. I then saw that the company rearranged what was owed so that a new balance of XXXX dollars remained. I called and I asked to be transferred to the attorney and was told that they were not allowed to per company policy they had to transfer me to another representative who might then transfer me to the attorney. After being transferred again I requested to speak to the attorney and after several refusals I was transferred. I did not get to speak to an attorney however and was transferred to the voicemail. I left my contact information and did not receive a call back. I was repeatedly reassured that my my case would be dismissed and that my account was completely paid off and would with time reflect the paid amount and be closed. I called again 10 days later when when the payment had posted and was told that the account was paid off and closed. I then checked saw that neither promise was kept. I am now hung up on and repeatedly transferred with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have corresponded with this 3rd party collection company about an alleged debt they claim I owe. I have asked them to send me something with my signature on it stating i have contracted with them and the original creditor. The company still continues to send me some statements which I did not ask for and continue to report on my credit. The customer service reps are very rude. The First Lady I spoke with XXXX on XX/XX/19 was rude and did not try and help me. I asked to speak to a supervisor XXXX on the same day and she was not helpful either. They do not follow the FDCPA or FCRA by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Premier Portfolio Group
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have received threatening phone calls stating that legal action will be taken against me. I have no idea what payday loan the Rep is referring to, I have n't applied for such a loan in several years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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: Account status incorrect

Complaint:
XXXX is showing a high balance of {$8000.00} on my XXXX XXXX credit report. This is impossible, because the account was paid off through a forgiveness program years ago. The account is also past the 7 year statute of limitations, and should have been removed from my credit reports years ago.

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 2020-06-29
Company: FC HoldCo LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
on XX/XX/XXXX I lived in XXXX  and my ex husband and i both was on the loan to the vehicle that was a repo. we never heard anything from the company that financed the truck until XX/XX/XXXX I was living in XXXX   not my ex he was in XXXX  They original company sold the loan to a company in XXXX  that collects old debt and XXXX  is a wage garnishment state, XXXX  is not where he my ex still lives. I filled out all the papers and sent them back to the company/civil court in XXXX  and heard nothing about the case for 2 months I then was offered the opportunity to move back to XXXX  in XX/XX/XXXX and I moved back here where I currently live. This weekend I received a summons to go to court in XXXX  in XX/XX/XXXX I called them and said I dont live in XXXX  I moved last year and was told if I do not go to court then I will loose automatically a judgment will be issued and they will get money from my wages. This is why they did not sue my ex XXXX  is not a wage garnishment state no court in XXXX  will do wage garnishments but XXXX  will and being I do not live there how can they sue me the truck was repo from XXXX  and me and my EX live in XXXX  plus XXXX  has a 3 yr SOL on written contracts its been Three yrs the last payment made was XXXX XXXX and I am the only one being sued when there are two name on the buyers contract? Please what do I do I cant pay XXXX XXXX dollars for a truck I do not own.and its a very old repo

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 2020-10-12
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to Covid 19 myself and my wife have been laid off. We were previously just furloughed but now we've been laid off. We had been struggling to make our mortgage ever since but now that we are both laid off there is no way we can make our mortgage payment and continue to pay the other bills we must pay. At least until one of us finds full time work. We are looking but we reside in Florida, our jobs were both in the XXXX   XXXX  XXXX  ( me XXXX, her XXXX XXXX and trying to find any work in that line is useless. 

Reached out to Shellpoint last week letting them know the issue. Have not heard anything from them at all. With the horrible way they handle our mortgage to begin with I am reaching out to you again for assistance. 

I believe they must allow us payment deferment which we should have applied for months ago. They are not communicating/assisting at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Barclay Bank of Delaware is reporting a debt of {$2200.00} on my XXXX Credit report. In my past CFPB dispute I was advised by Barclay that this was a valid debt and in speaking with the office of the president staff member XXXX XXXX, he was able to hear on a phone call where the Barclay staff member had formally told be incorrectly that the a XXXX had been issued and the debt was cancelled, which is what I have always been told. Two days ago XXXX XXXX told be to contact XXXX XXXX XXXX to settle the account as they were now the one 's handling it. The phone number he provided no longer worked so I called him back to let me know. Today he said Barclay was actually recalling the debt and I could work with them, no explanation was provided for the recall. He provided the phone number XXXX ext XXXX to address the balance. After finally reaching someone at this phone number ( XXXX -Employee ID XXXX ) she stated that she can see that XXXX had the account and Barclay issued a recall but stated there is no way at all for her to collect payment on this account. How can I be responsible for all their errors, in addition to the fact that they are reporting a balance but won't accept payment!

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 2021-07-15
Company: WELLS FARGO & COMPANY
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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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