BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-30
Company: DISCOVER BANK
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I were looking to refinance our home. We contacted a gentleman named XXXX XXXX whom we were under the impression he worked with discover home loans. In the first conversation with XXXX we had our credit ran and it all seemed to be going well, we also paid a {$400.00} appraisal fee. Towards the end of the conversation XXXX mentioned that discover was intact merging with XXXX. I was alittle upset because we originally wanted to go through Discover bit figured it would be okay since it was a supposed merger. XXXX informed us that there would be a block out period for about a week for the merger to take place. About 3 weeks after that I received a package in the mail which contained a copy of my credit report and my new login information. I was confused. I checked my credit and found that XXXX ran my credit in addition to Discover. I called XXXX from originally discover and he claimed that the pull was a soft hit when in fact it was a hard pull. I could n't understand why a company that had supposedly merged would pull my credit XXXX. I contacted a representative from discover whom infact told me that they DID NOT MERGE WITH XXXX, but that XXXX bought out discover home loans that were over {$100000.00}. Now I did n't even have a mortgage loan with discover and I originally wanted to work with discover but at no point in our first conversation did XXXX XXXX mention that discover no longer offered loans over a certain amount and he did n't mention the fact that XXXX bought EXISTING DISCOVER LOANS. The representative I spoke with at discover told me that what she thinks XXXX XXXX did was run my credit and took me with him to XXXX. I am very upset because I was n't told the correct information. I was lead to believe that it was a company merger when infact it was n't. I understand that XXXX bought existing discover mortgages, but I was n't a discover mortgage holder. I was mislead. Armed with all this new found information I contacted XXXX and my number was automatically directed to XXXX XXXX. So I called from a different phone number and spoke to a representative and asked for XXXX XXXX supervisor. I was told that I would return a follow up call from XXXX of the supervisors and I have n't heard anything from anyone since then. Now I did a refinance with a company that I DID NOT WANT TO DO BUSINESS WITH because I was mislead and I did not want another hit on my credit and almost 2 months later I still have n't closed. I 'm beyond XXXX for the fact that I was told incorrect just down right wrong information..I was taken advantage of and I 'm very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had a credit card from Discover that was charged off XX/XX/XXXX. The account was then later sold to a Florida entity named XXXX XXXX. Around from XX/XX/XXXX to XX/XX/XXXX I was on a XXXX. Upon my return a year later with no prior correspondence the collection company served my roommate. I showed up to court and made payment arrangements that were inflated with interests. While I was making payment, I called in and inquired about making a payment that consisted of a large sum to be distributed evenly across a number of months. The representative on the phone accepted the payment and they defaulted me the following month for non-payment. I was a student and not working, they placed a lien on my bank account. I had a lawyer submit a file to remove the lien and told them he would be representing me from that point forward. Since then, the attorney has n't received neither calls nor correspondence from XXXX XXXX , XXXX, neither have I. On Monday XX/XX/XXXX, at about XXXX XXXX a sheriff showed up to my apartment with a court execution order to levy my property. He parked behind my car and forbade me to leave the premises without handing over my car keys unless I wrote him a check for {$4600.00}. I pleaded with them that this car is how I earn my income as a ride share driver, he called a town truck and impounded the car with a notice to resolve the matter in 45 days or the car would be sold. Since then I have filed a Notice to Defendant of Right Against Garnishment, Wages, Money, and Other Property. I contacted the collection agency and the person handling the case advised me to have my lawyer contact them. He has tried for the past three weeks and has n't successfully spoken to anyone except for a secretary who told him someone will return his call. It appears I have n't been giving any choice in this matter. I was under the impression they 'd want their money but instead they rather have me suffer and not earning an income. I do n't understand how this is justifiable. I 'm going 21 days without my car. It 's costing me {$32.00} per day on average to travel to a per Diem job where I 'm only earning {$85.00} before tax. My hands are tied at this point, I just want to resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Discover credit card company made several mistakes with my auto pay bank account number changing. After this issue settled down I disputed an auto withdrawl XX/XX/XXXX. I was staying in the mountains in XXXX, CA and I had no internet access. A payment came out and I called a few days after I had internet access and could see. They insisted I had made it, I insisted otherwise. After this they escalated it to the fraudulent department and issued a new card, sign on ID and password. I was so angry I stopped using the card, and had n't signed onto the account for a couple months. Suddenly I got a notice from a bill payment service that said I had a late fee from Discover. I had n't got a bill in the mail, or in the email but there was {$64.00} due. With the jssuing of a new card, and sign on ID it had stopped my US mail bills and access to email account information. By that time it was too late and a few days past due. Discover happily removed the late fee and said it should be a problem. Later that year I was locked out again and had to be re issued another account sign on ID. In XX/XX/XXXX I noticed my credit score drop XXXX points. After receiving my free credit report I now know it is from Discover. 
I believe in large part my late payment was due to the multiple changes to my account all of which was out of my control. I have lost a lot of faith in Discover, but I 've been an account holder sense XX/XX/XXXX. If I close my credit card it will hurt my credit much more. I am asking again that Discover remove the late payment from my credit as they had made so many errors on my account from XX/XX/XXXX/XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-26
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I am writing regarding the unscrupulous and horribly corrupt methods of Discover Card Financial Services located in XXXX XXXX XXXX Utah. 

I had purchased a microwave from XXXX using my Discover Card, and I had the microwave installed in my home. I subsequently discovered that the microwave may have been a used unit as there was no warranty card or owner 's manual. 

Since I was dissatisfied and very unhappy with the microwave unit, I informed XXXX I was going to return it. They agreed to take the microwave back and I returned the unit on XX/XX/XXXX, and it was on that date XXXX removed the unit from my home. XXXX refuses to acknowledge my return and authorize the refund of the {$640.00} which includes the cost of the microwave and the installation. 

But it is Discover Card that is causing me terrible distress in my dispute against XXXX. Discover Financial Services/Billing & Disputes Department continues to give me " temporary credits '' only to reverse them back to my card. This is despite the fact that I have a signed receipt with a signature proving XXXX installers came to my home and picked up the unit. I have sent proof of return twice to Discover, and I have spoken to countless representatives. I have documented everything in chronological order with detailed information regarding this dispute. Discover Billing and Disputes refuses to cooperate and give me a permanent refund. 

As it stands now, I have no microwave. XXXX stole my money, and Discover Card is playing hardball against me by refusing to give me the permanent credit. 

I have a letter which documents everything, along with everyone I 've spoken with and every date. 

I am request that your office intercede with Discover Card Financial Services forcing them to give me a refund. 

I am devastated over this. Discover Card is protecting XXXX. Please help me in this matter. 

Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-11
Company: DISCOVER BANK
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Principal payment in the amount of {$220.00} was submitted to Discover Student Loans on XXXX XXXX, 2015 by personal check. This check was cashed on XXXX XXXX, 2015 but not credited toward my account. 

I sent an email on XXXX XXXX, 2015 requesting that they correct this error ( backdated to the date they cashed the check ) and received an email back requesting proof of my payment which I supplied ( canceled check images ) on XXXX XXXX, 2015. My account STILL has not been credited the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: First National Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting repeated phone calls from this number with no message left and no ID

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: CURO Intermediate Holdings
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was the victim of ID Theft on XXXX XXXX, XXXX. The FTC ID Theft Affidavit ( # XXXX ), XXXX County Sheriffs Incident report ( # XXXX ) and all ID Documents were sent to the loan company, and they agreed to remove the Hard Inquiry from my report. This has NOT been done. I have made countless calls to the Speedy Cash/XXXX XXXX, and XXXX with no results. The other loan companies and credit reporting agencies have cooperated fully, and quickly. The hard inquiries were removed by late XXXX XXXX. This is the lone problem on any of my reports.

Company response to consumer: Closed
Consumer complaint received 2015-03-26
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Covington Credit in XXXX, Tx. has called me on a constant basis everyday to collect on a loan payment. Given my struggle to repay this debt, the manager told me that she can not take " partial payments '' because she has to report this to her corporate office. This company has even made personal visits to my house attempting to collect and leaving letters with my children to give to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was put in touch with what I thought was a legitimate distributor of liquor through XXXX. He had a XXXX page for his business. He stated that he had 2 cases of XXXX XXXX XXXX  available and he would sell them for a reasonable price. If I purchased both cases he said he would include the shipping. Total cost for the bourbon was {$700.00}. He said he accepted XXXX as payment which my bank, Wells Fargo, has as a payment option so I figured it was safe since it was from Wells Fargo and not a third party. I sent him {$500.00} on XX/XX/XXXX and the remaining {$200.00} on XX/XX/XXXX. Wells Fargo has a limit of {$500.00} in 24 hrs so that is why I sent two different payments. After I sent the money the seller then asked for more to cover insurance. I then realized I had fallen for a scam and asked for my money back. The seller insisted I send him the extra money, when I didn't he stopped responding to my messages. 

I contacted Wells Fargo on XX/XX/XXXX and explained to them what had happened. I had to make 2 separate cases since there were 2 different payments made. They said they would review the case and contact the receiving financial institution. I was told if they didn't hear anything back in 1 week they would credit my account the money until there was a resolution. I called 3 times in XXXX trying to get updates and I was always told that someone would call back but no one ever did. I finally received 2 letters from Wells Fargo dated XX/XX/XXXX and XXXX 2021 stating that they were unable to recover any money and the case was closed. 

I would like to know how a financial institution such as Wells Fargo can offer a payment service with no protection offered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MI
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I was in debt trouble at the beginning of 2014. I contacted XXXX XXXX XXXX for help. They sounded very promising. They had me stop paying the bills and let them go to collection. While doing this they had me paying Global Client Solutions XXXX to store the money which they would use to negotiate down the road once a certain amount of money was built up. During this whole time you were able to cancel at no time and get all your money back except for the opening account charge.On XXXX/XXXX/14 I decided to cancel as I had money to start paying and get back on track. When doing so this Global Client Solutions XXXX was to refund XXXX to me. They claimed to send the check and even sent a picture of a check they claimed to have sent, but never came. Once I tried investigating what to do or get the check re sent they would hang up on me every time I called after giving the account number. I just do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Spoke with representative on my personal phone. XXXX XXXX ( the representative mentioned earlier ) called me at work and I informed her that this was not a personal line and that calling was was not alright. She has continued to call my work phone and argues when i inform her that this is not an except-able phone number to contact me on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Based off the fact that EXPERIAN has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so they have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show there blatant disregard for Federal Law. 
The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all Experian has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

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 2016-01-19
Company: Wilson, Riley & Associates
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Company called myself and wife stating that they were coming with a sheriff if I did not rectify the issue. Misrepresenting themselves as from the County that I live in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I lost my job and was unable to pay the loan. I forgot and never received a letter now they are harassing my family and myself and left XXXX to my brother stating his name and saying he was a compliance officer in a case being filed against me and they are going to appear at my home or job leaving processing and case file and that it was an illegal notification via phone. When I called and told them at this time I was not able to make a payment he told me that they were going to proceed with judgment and my wages were going to be garnished I said I should probably get a lawyer involved he said how do you have money to pay a lawyer and not the debt then he said ok well we 'll see you in court and hung up. When I called the first time they wanted me to pay over XXXX $ for the legal fees then we could set up a payment plan for the rest when I said I could n't afford that he said ok we 'll let the debtor know that we made contact you are refusing to pay and we 'll see you in court and also hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I rented a residence from XXXX XXXX in XXXX MN. the rental payment was {$1100.00} per month. The property was located at XXXX XXXX XXXX XXXX MN XXXX. I rented the property from XX/XX/XXXX through XX/XX/XXXX with no late payments or other issues. XXXX XXXX informed me that that have an agreement with Experian Rent Bureau to report all rent payments on your credit report. However, the information is not showing up on my credit report. I called XXXX XXXX and asked if they could report the information and they told me to file a dispute with Experian Rent Bureau and they would verify the information and it would be reported on my credit report. I filed the dispute and Experian Rent Bureau told me they do n't do that they only monitor credit. They also said maybe when renters warehouse set up my account they did not click the button to submit my information. I reached out to XXXX XXXX again and they gave me the same information. Both companies are telling me its the other companies responsibility to report. I just want the positive credit information reported. If they are unable to report then they should remove any negative items, that seem to find a way on to the credit report very easily. This would significantly improve my overall credit score. I attached the emails back and forth between myself and renters warehouse. I have been trying to resolve this issue since XX/XX/XXXX. The contact information for XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX. I attached all the supporting emails.

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 2016-03-09
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
After being denied credit I requested my credit report from Experian but they say they can not give it 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 2016-12-04
Company: FIRST GUARANTY MORTGAGE CORP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sir and/or Madame : As a XXXX, I would expect not to be taken advantage of especially with something as serious as a mortgage. I have as of yet to be given an accurate, ongoing accounting of my mortgage loan. When I have asked questions, I have been given incorrect and/or incomplete information. " The year 's end analysis '', I was told would clear up all my questions. It has not. Please help. It still shows problems with accounting and presents more questions. 
I was initially informed that the mortgage insurance would be stopped after a few months Itemization of Amount Financed / Settlement Statement Return of the per dieum I was erroneously charged The money I returned from FHA repairs Insurances cancellation and accounting for XXXX Bank - accounting, request for loan payment in full XXXX XXXX Inc. - accounting, letter of transfer XXXX - accounting XXXXg

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 2015-05-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Santander Bank is advertising " Purchase Assurance ( XXXX ) -- Insures you for 90 days from the date of purchase for theft, damage or loss up to {$1000.00} '' as a feature of the XXXX debit card. However, they do not actually offer the service. When I went to file a claim they did n't know about the service at first. Then when they did they directed me to XXXX. XXXX said Santander did not buy the insurance policy necessary for them to offer this service. 
The Purchase assurance is advertised in hardcopy material provided when I opened my account as well as throughout their website, including at : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation