BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-16
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX, I called Discover to talk with them about an open dispute I have. 
My intention was to provide them with new information relating to the dispute, and verify the claims of the party I filed the dispute against. 
In speaking with agents at Discover, I was transferred multiple times, asked to repeat my information far too many times, and refused assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
This is in regards to my previous complaint with Discover Card and the following transactions ... 
XXXX/XXXX/16 XXXX {$700.00} XXXX/XXXX/16 XXXX XXXX XXXX {$380.00} XXXX/XXXX/16 XXXX {$4900.00} XXXX/XXXX/16 XXXX XXXX XXXX {$2000.00} XXXX/XXXX/16 XXXX {$2600.00} XXXX/XXXX/16 XXXX XXXX XXXX {$1200.00} XXXX/XXXX/16 XXXX {$730.00} I am NOT paying for these. They are NOT MINE! I have received nothing of value from any of these companies. You need to take a closer look at these. I contacted XXXX and they are adamant that they refunded the {$2600.00} on XXXX/XXXX/2016. Do your job correctly and contact them. I suspect if you contact the others, they will tell you the same. Even if they have n't issued refunds. I 'm supposed to be covered by your XXXX liability policy because the transactions ARE NOT MINE! This has gone on long enough and I 'm not going to be bullied into paying for something that I did not purchase. There 's also the {$6500.00} balance transfer that I did not make. My identity was stolen and you need to look at this again!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I RECEIVED A PHONE CALL FROM XXXX ON MY HOME SCREEN ON MY MOBILE DEVICE IT SHOWS THE NUMBER FROM COLORADO. WHEN I ANSWERED THE CALL THE MESSAGE STATED ABOUT MY CREDIT CARD BALANCE STATING TO PRESS XXXX. AFTER DOING THIS THE PERSON WHO ANSWERED MY CALL WAS XXXX AND SINGING.! I HUNG UP! ANOTHER NUMBER ASSOCIATED WITH THIS CALLXXXX XXXX XXXX.-CREDIT CARD/ LOWER INTEREST RATESXXXX XXXX XXXX XXXXBOTH THESE NUMBERS WERE FROM THE SAME CALLER. 


I RECEIVED XXXX CALL BUT XXXX DIFFERENT NUMBERS WERE SHOWN

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Discover Card was used fraudulently. I reported the charge I did not recognize. Seven days later I received a message that my new card had been mailed, however the address was incorrect. I called Discover and they informed me that someone had changed the address within the seven days since the fraudulent charge. Why was someone allowed access to change an address during a fraud dispute? Why was the card mailed without my verification of the correct address? In addition, when I called Discover their Customer Service did n't seem to verify my identity and a Fraud Specialist by the name of XXXX offered to reset my online password. A human accepts my password?? I did n't reset it. It seems that Discover has serious flaws in their security procedures. As usual with large institutions, the public can not speak to an executive. I am not asking for any action specific to my issue. I just want someone from CFPB to inform Discover that their security procedures need a strong review.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: N.A.R., Inc.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX quoted us ( homeowners ) up to {$1200.00} for complete water remediation AND repairs to our property. Nothing was signed by us but we agreed to pay a {$600.00} deposit to start. We never received a price list nor a written estimate. After water remediation was done XXXX sent us bill for {$1700.00}. We complained and they reduced bill to {$1200.00}. They never started any repairs so we did not pay any additional funds. Now we are getting collection notices from N.A.R. a collection agency demanding {$650.00}. As XXXX the work ( repairs ) was never completed we refuse to pay. In addition, our tenant has received a collection notice from N.A.R. for the same invoice but for the amount of {$1700.00}. Our tenant called N.A.R. and asked questions and was told he had to pay in full by XXXX XXXX or his credit score would be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: DISCOVER BANK
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
A representative from XXXX called XXXX hung up on me when I tried to voice my concerns. Discover bank refused to service the account due to a business decision. 
I am tired of their nonsense. Please investigate them to the fullest extent. The FDIC contacted account holder and said it would escalate this claim further to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Starting back in XXXX of this year unauthorized money was taking from my account withdraws and atm use. Up to and now over XXXX dollars has been taking. PNC was contacted by phone and in person many times about this problem and nothing was done about it I also contacted the police department with this problem. I was told by PNC that they find no unauthorized transactions. Which is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: DISCOVER BANK
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Discover credit card last year, and shortly after received an offer in the mail for a {$300.00} checking promotion ( please note that this came to me at my address and no one else has lived here in over seven years ). I filled out the application XX/XX/XXXX, was granted the account, and fulfilled all other terms required to meet the promotion. I realized that I never received the promotional money while filling out taxes this year and contacted Discover, only to hear that I was n't eligible for the promotion because I was n't 'targeted. ' No one can explain why I got a letter when I was n't one of these targeted people, not to mention that getting a credit card is a pretty obvious trigger for targeting for other business. At this point I ca n't produce the original letter since I clean my house more than once every four months and ( clearly stupidly ) assumed that a company which claims to be ranked very high in customer satisfaction would actually meet their commitments so I did n't scan everything, but at the very least the information needs to be out that that Discover is sending promotions to potential customers and then declaring them ineligible even after the customers fulfill their side of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Billing statement

Complaint:
Discover continues to state my balance incorrectly. Please see attachment. 

A last statement balance of {$310.00} plus the transactions of {$15.00} is {$320.00}. 
Discover is saying my current balance is {$460.00}. They are trying to get me to pay an additional {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Other fee

Complaint:
Regarding the Discover Card Cash Advance Balance left over from the XXXX XXXX Statement, Per the Credit Card Accountability, Responsibility and Disclosure Act from XX/XX/XXXX, Any excess amount which is considered the difference from the minimum payment must be applied to the balance with the highest interest rate. 

I have recently contacted Discover over the discrepancy of the Cash Advance Credit Line Balance. They claim that I have - {$240.00} which would put my Cash Advance Credit Line Balance at {$4300.00}. I made a payment on XXXX XXXX, XXXX in the amount of {$750.00}. The minimum payment due was {$170.00}. This {$170.00} should have been applied to the Purchases Balance. The Purchases APR is 23.24 % while the Cash Advance APR is 25.24 %. 

Since speaking with XXXX different representatives from Discover, XXXX of them have come to the same calculations I was getting, while the XXXX stated that on some occasions, the portion of the payment that is supposed to go to the higher APR Line does n't always happen. This raises some red flags due to the fact that this impacts the Interest Calculations. The idea is that in general Accounting, both business parties ( Company & Consumer ) should be able to get matching figures on both Interest and Balances. Discover does not release what portion of your total payments go to Purchases or Cash Advances on the Statements released at the end of each cycle. This leaves a hole in the mathematical adjustments because not knowing what portions go to what Lines, the balances are impacted which in turn impacts the total Interest at the end of the cycle, due to there being XXXX different rates for each Line. 

The balances would have been as follows following the XXXX XXXX Statement for each Line : Purchases Balance carried over to the XXXX of XXXX ( includes Interest ) : {$4900.00} XXXX XXXX XXXX carried over to XX/XX/XXXX ( includes Fees and Interest ) : {$3800.00} Transactions from XX/XX/XXXX on : XX/XX/XXXX {$4.00} XXXX XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX - {$750.00} Payment ( minimum was {$170.00} ) ( {$170.00} goes to Purchases, {$570.00} to Cash Advances ) XX/XX/XXXX - {$5.00} Cashback Bonus Redemption ( Payment ) XX/XX/XXXX {$13.00} Cash Advance Fee XX/XX/XXXX {$150.00} XXXX XX/XX/XXXX {$500.00} Cash Advances/XXXX XX/XX/XXXX {$25.00} Cash Advance Fee XX/XX/XXXX {$100.00} XXXX XX/XX/XXXX {$120.00} Cash Advances/XXXX XXXX XX/XX/XXXX {$10.00} Cash Advance Fee All Cash Advance Transactions end at XX/XX/XXXX The total of all of these Cash Advance Transactions from XX/XX/XXXX to XX/XX/XXXX equal : {$920.00} The Payment Balance for Cash Advances subtracted from the Cash Advance Total above equals : {$920.00} - {$580.00} = {$340.00} Prior Cash Advance Balance ( {$3800.00} ) + New Cash Advance Transactions ( {$340.00} ) equals : {$4100.00} The Cash Advance Credit Line phases out at {$4100.00} ( Maximum allowed ) My available Cash Advance Credit Line should be - {$65.00}, not - {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Stuart-Lippman and Associates, Inc
State: NJ
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:
XXXX XXXX XXXX XXXX put an invalid Collection entry on all 3 Credit Report Bureaus on XX/XX/XXXX. Now this matter in which they are trying to collect for is being handled through XXXX. The Judge in this case that collection of monies owed will be collected by the State of New Jersey and that was assigned in XX/XX/XXXX. XXXX XXXX filed charges on me and everything being handled in court. I received a letter from this Collection agency and took it to my probation officer and they told me that XXXX was n't suppose to do this as they are the ones collecting the funds. I then in turn called and spoke to the rep that is handling my account and told her that this is being handled through the court system and that my Probation Officer stated that they should not had put this on my credit report. She told me they had that right as XXXX hired them and that they were n't going to remove it at all. She also stated that they have n't received a cent and wanted my contact info for the court and I gave her my probation officer. This is n't fair in any way I am paying my monthly allotment for this and they went and retained someone else to come after me and ruin my credit. This is already being handled. I will attach the same copies of the payments that are being made. I now have a criminal record and now they are also trying and have successfully ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: DRS Financial LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling me at least two times a week reguarding a medical bill that is very old from about XX/XX/2012 I told them I was covered by insurance I told them to take it up with my current insurance and they are not doing that they are keep calling me asking me to pay a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
I took an XXXX online class. This company out of XXXX. My first class was a XXXX XXXX course. I then signed up for the XXXX course AND {$590.00} for the class itself and make XXXX orders for materials of {$590.00} each for a total of {$1700.00}. This was on XXXX XXXX, 2015. But when I started the class I found out that I was in another XXXX course. I contacted XXXX by phone and was advised that it was " no problem ''. I could take the course later and they would " take care of it ''. Despite numerous calls, I did not get a refund I have also not received ANY material. I put a dispute in with Discover which they rejected, apparently because XXXX told then I got the product or service I paid for. I DID NOT. We did not receive the class, a refund, nor the materials. I think contacted Discover and invoked the Dispute clause in the cardmember agreement. Their response was to again reject my Dispute without noting that we received no product nor service, further they reported me to the credit bureaus for making a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: AmeriCollect
State: WY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Americollect is not sending the information that I 'm requesting to Validate the debt they are not sending me a copy of my signature with the provider of service to release my medical information to them. That 's means the debt can not be validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Discover Bank closed XXXX my oldest credit line due to inactivity ( 24 months ) without providing any notice or warning! I received online their " decision '' on XX/XX/2015, but the card was closed XX/XX/2015. I was planning to make large purchase on it and now I am left with nothing. I have XXXX and I was not able to call them ; so instead I contacted their customer service online and asked them to reinstall the card, but they refused. I was told to reapply for credit again??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ace cash express approved a loan that was submitted online in 2013 which was not done by me with my personal information that has lead me into owing there company and has lowered my credit score .and now I am not able to get any information from this loan company on the application that was submitted to them online because they sold my file to an agency so I can figure out what solution I can come up with to fix the bind im in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Other

Complaint:
I have reviewed my credit report and noticed some errors being reported by Discover on my credit file. I disputed the errors with the bureaus and Discover verified them even though that each bureau has different information. On XXXX/XXXX/16 I then sent a letter to Discover asking for documents to review and verify information reported and they ignored my request. On XXXX/XXXX/16, I sent another request to where they replied with a letter stating the account was settled in less than full and everything was reporting correct. Unfortunately it is not the case, the information being reported is different across all XXXX bureaus. I am not disputing if account was settled, I am disputing the accuracy of information reported as afforded to consumers by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Lazega & Johanson LLC
State: GA
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:
In XXXX, I agreed to a Settlement Agreement with XXXX for the repayment of my daughters student loan debt. Our agreement was for {$500.00} a month until the debt is paid off. In XXXX that debt was sold/transferred to Lazega & Johansen in which I sent my payments of {$500.00} a month. On XXXX I received a letter from XXXX- XXXX stating that they were taking over the collection of XXXX of the loans and I should remit payment to them. My problem is the settlement I negotiated was made for all loans including this XXXX for a total payment amount of {$500.00} per month. How does this affect my payment situation? If they are also collecting how much goes to them and how much goes to Lazega & Johansen? This is confusing and seems in violation of the settlement agreement if I am asking to pay more than the negotiated amount and on top of that there is no sure way I can keep tabs of the balance with different entities being involved. If they ( Lazega & Johansen ) sells the other XXXX loans that 's XXXX different debtors I am being asked to pay. I was doing the right thing by negotiating and settling this debt but this new transfer is causing me much concern. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: First National Collection Bureau, Inc.
State: MA
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:
Ive came to a settlement agreement and paid the Requested payment later they still kept going after the Remaining balance and claim the person I made the agreement with no longer works for the Company, but they will send me the settlement letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The current mortgage company has been giving us trouble since they took over the loan last year. The previous mortgage company did a loan modification with us, the new deal was they gave us a balloon payment of {$15000.00}, to be paid at the end of the loan, so we signed the agreement. The current mortgage company demanded that we pay the balloon payment the XXXX month they had the loan, it took us almost 1 year to straighten this out, every time we called there was someone new assigned to our loan. I believe they charged us interest on the balloon payment during the dispute period. Every time we ask for paperwork they say we have to submit the request in writing and when we call back after a month they say they already mailed it and we must resubmit the request again. 
We made a payment on the principle last year but they still show the same payoff date on our statements, and the interest payments are n't going down in size by very much. 
We made another payment this year on the principle and we asked them the same questions and they say we must request information in writing, so again we requested the payment schedule from them and we called them back after a month and they said they had already mailed it XXXX XXXX and today is the XXXX and they said on the XXXX they would mail it again and we still have n't received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
called saying he is a court processor and has papers to serve me. 
If i do n't response or accept I will be prosecuted. 

Numerous calls to family members. 
Have my civil lawyer call and send a cease and desist letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Thursday XXXX/XXXX/2016 I received a call from a number listed as my local court house. XXXX. I was told that I was being sued and needed to be served my papers for court the following day at my place of home. She asked me for my current address, and I gave it to her thinking it was for a legal matter. I asked the lady who was suing me and she stated she was n't sure the documents were sealed. She stressed the documents did have a mediation stamp and that means I can contact the attorney and settle before XXXX that day and not be served. She gave me the number to the supposed attorney whom I contacted immediately at XXXX And a gentleman answered the phone and I told him who I was he pulled me right up and explained my debt of {$680.00} that I could make in payments of half then and half in XXXX to settle outside of court. I explained I was just getting back from maternity leave and would only be able to make payment of XXXX and the remaining on the XXXX and XXXX of XXXX. He then transferred me to the payment center and a lady took my payment, She explained she would go ahead and send me receipt to my email immediately after. I waited and never got a receipt finally wrote and called the number back Friday and Saturday and was told they would get it to me as soon as possible. I finally got the receipt and noticed they had my current address, which no one has except the lady that called from the " court house '' so I got to thinking I wonder how they got my updated address. I decided to contact the court house this morning at XXXX and make sure everything was settled. I was informed by the representative from the justice of the peace that I never had a case against me and they would never even call me before they serve. So I have caught this company in a lie. They represented their selves with a legit phone number saying they were the court house in my county. So I am highly upset and will be filing complaints with everyone I can.

Company response to consumer: Closed with explanation