BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-16
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I recently applied for a Discover card. They advertised a 10.99-22.99 % APR. My credit rating is XXXX, I have never gone through a bankruptcy, I only own XXXX other cards, I 'm XXXX years old, own my own home and have paid my bills on time for the past 40 years. I have only {$6000.00} worth of debt ( half car loan and half credit card ), half of which I am transferring to the new card. I 've been employed with the same employer for five years, and if anyone expected to receive a favorable APR, it was me. So imagine my shock when I was approved for the card, which after six months at 0 % APR, shoots up to 20.99 %. I really think this is deceptive advertising. If I can not receive a better rate than XXXX, I ca n't imagine there is anyone getting close to a 10.99 % rate. When I complained to the customer service person, she said I should call back in 6 months to see what they could do. I 'm not holding my breath about that, I will probably never use the card unless I can pay the balance each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: DISCOVER BANK
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Discover bank offered a promotion of {$300.00} to ALL customers who set up a new discover checking account, if they had a previous relationship with Discover, and had XXXX direct deposits come in of at least {$250.00} within 60 days of opening up the account. ( they later changed the terms, however stated since I opened my account before the change, I was grandfathered into the promotion ) Their terms stated that the bonus would be " automatically '' applied 30 days after fulfilling their requirements. However, it has now been more than 30 days since I had the XXXX direct deposits go into the account, and no bonus has been applied to my account. Discover Bank has violated the terms of their agreement, and has not paid out the {$300.00} that was guaranteed by the bank. I would like my {$300.00} bonus to be paid out immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-18
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am showing XXXX collection accounts on my credit from Americollect. It states they are collecting for XXXX XXXX. I have a few issues with this collection agency. The first is I never received a notice from this collection agency to dispute or validate the debt. I had to call XXXX XXXX to find out what this was, who stated they sent a XXXX balance to Americollect. The last statement I received from them was XXXX 2015. Only recently I checked my credit to find Americredit reporting not XXXX account for XXXX but XXXX accounts for XXXX. It seems to have been opened with them around XX/XX/2015. Not only did I not receive written notice from this collector, they are not following guidelines of the FACT act. This debt collector continues to report this debt each month as if there has been activity on this account or payment is being made. My credit score recently dropped XXXX points because they are reporting this over a year old debt as a new debt. Overtime this account should have a less affect on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Asset Recovery Inc
State: VA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Several years ago while living in XXXX, Maine, I went to a local optometrist for an eye exam. While in the chair, the person performing the exam said they would like to do an exam to check for - whatever it was, I do n't remember. She simply asked if it was ok, to which I of course replied " yes '', When checking out, they informed me I owed +/- {$80.00} for the additional exam. I was not informed of the additional charge or the fact that it was not covered by insurance. I rejected their claim explaining why and was told - too bad, you owe us the money. They continued to bill me, I continued to refuse payment until they finally referred it to a debt collector who then harassed me threatening legal action and to ruin my good credit rating. I sought the advice of an attorney who convinced me the easiest and cheapest thing to do was just to pay the bill. Legal action could have otherwise been costly. 
So, despite their not deserving to be paid, I paid. But now I had to pay not only the optometrists bill, but also the debt collectors bill as well. Meanwhile, they went ahead and reported it to the credit agencies and to this day, that black mark is on my record. 
At the time, I reported their underhanded business practices to the State of Maine, the Maine Licensing Board and anyone else who would listen. All to no avail. 
Having just now listened to the XXXX XXXX show, I now know, although years later, that I should have perhaps contacted your office, which prior to the show, did not know existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am writing in regards to a dispute that I had opened with Chase regarding my checking account. On XX/XX/XXXX, I had requested a stop payment of {$830.00} to my landlord for rent payment because I had set up recurring payments online and could not access their online system due to technical difficulties on their end. I called into the XXXX number for Chase and was granted the stopped payment. I asked and confirmed about twice that this would be a XXXX time stop payment and stop recurring payments. Months following this process, I would log into my Leasing office account to pay rent and manually pay from my credit card or bank account to which a day later would result in the payment being stopped. Due to this fact I have accrued {$310.00} in fees for late payment. This has caused immense financial strain and burden. Also, I would like to mention another incident where there was a an admitted point in human error by a banking associate at the XXXX, CT XXXX XXXX XX/XX/XXXX branch where I awaited a deposit in XX/XX/XXXX in my account from a payee who deposited it into the branch but it was put into another customer 's account, resulting in loss of funds to pay important bills that month. I was sent a letter apologizing on half of the error that also stated that my account number and info may had been available to another customer in the whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A month ago my husband XXXX XXXX and I became victims of an outrageous scam. It all started with a phone call from someone who introduced himself as an " IRS agent ''. He said we had some outstanding tax charges ( we did not! ) and he was very aggressive on the phone. He gave my husband a really hard time basically saying that if we do n't pay immediately, my husband will be arrested. All of this continued for 2 days while those " agents '' kept my husband on the line non-stop, not giving him a chance to think clearly. He was drawn into a state of causeless fear, and so did I. We withdrew our savings, used credit cards and borrowed from other people. It was a disaster. All of the money was sent via XXXX gift cards. We filed a police report at our local police station, but the police officer told us it will be really hard to recover anything of what we 've lost. 

One of the credit cards my husband was tricked by those criminals into using was his Discover credit card that literally had XXXX outstanding balance before that scam happened. And then in a single day it got maxed out, thanks to those crooks. We are both devastated. There is an official police report that proves that it got maxed out because of the scam. It was due to a CRIMINAL ACTION. We DID NOT spend that money on life 's pleasures. My husband talked to Discover customer service reps a couple times and they keep saying it is our responsibility now to pay out the card. Really??? Please help us resolve this. We feel hopeless and the whole situation is very depressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I visited the office of XXXX XXXX on XXXX XXXX, XXXX for medical check up. At the time of visit, I paid my copay, gave a copy of my health insurance and driver 's licence. On XXXX XXXX, XXXX, Capital Accounts LLC reported open collections of {$530.00} on my SSN to credit reporting agencies. I have never received any communications from either XXXX or Capital Accounts LLC explaining the charges or any notices before sending the account to collections. When I contacted XXXX office, they told me that I have around {$100.00} in balances not covered by my insurance. When I contacted Capital Accounts LLC, they told me that they had sent a letter about this debt to in XXXX. When I asked for information on that communication, I found that they had sent the letter to a person with wrong name and wrong address. Irrespective of them failing to communicate properly to me, they have placed five times more than the balance that I owe in collections. First of all, I do n't even agree with the actual medical bill as I have n't seen the charges are yet. I have never had a late payment, unpaid balance or collections in my entire credit history. This wrong collection has affected my credit score and history and has put me under immense XXXX. When I contacted Capital Accounts LLC, the representative was very rude and threatened me that I have no other options except to pay the debt and get it out of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: STERLING JEWELERS, INC.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I got a line of credit through kay jewelers on or about XXXX XXXX, XXXX. Purchased items in the amount of {$3400.00}. My account went into collection and sold to another creditor. After joining the military in XXXX I attempted to resolve this matter but they wanted payment in full with interest. I did not have the money and they refused to work with me. I waited for letters of legal action but known ever came. XX/XX/XXXX, I received a call from a gentlemen named XXXX. Did not give me a last name. He told me he was with a company named XXXX XXXX XXXX and want to collect a debt I had acquired with Kay Jewelers. He told me I had to pay the total balance of {$6500.00}. I told him I could not pay that amount. We made an arrangement for {$500.00} down and {$100.00} payments until I can pay it off. I paid {$300.00} and asked for him to take the remaining {$200.00} in XXXX weeks. I did not feel right about it because to give me information about my account and tried to talk me out of speaking to a lawyer. So I canceled my card and did not pay the {$200.00}. He continued to call and threaten me with legal action. I did not respond. A couple days later I received another call from a gentleman named XXXX. Would not give first name. He left me a voice mail stating that my file had been sent up to his department for further legal action. He said he had already contacted my civil affairs officer and his next call will be to my inspecting general and will be issuing me a judgment. I called him back and tried to make some kind of payment arrangement but he said they wanted the money in full. He told me to borrow money from family or who ever. Then he told me to get a hard money loans or credit cards. I was afraid of him contacting my command, so I attempted to get loans and was denied. After telling I could n't get a loan, he got rude and told me I need to figure it out or he is going through with legal action and sending it up my chain of command. He called me childish, said I was not a soldier and all I am doing is playing soldier. Called an adolescent. Said its like robbing a bank. I told him to calm down and to respect my service. He then asked me if my " mommy new I was a playing soldier ''. I just hung up the phone and proceeded to speak with my Judge Advocacy General for guidance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a huge amount of NSF fee 's. This bank will show a balance one day and a different one the next. They have pending transactions and then the next day they post in a different order. They have taken my paycheck. I need these funds reimbursed to me. This is causing a huge financial strain for 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 2016-12-18
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My home equity line of credit ( HELOC ) has XXXX accounts. I recently went to a local branch and paid off XXXX of the XXXX accounts, about {$7000.00} of a total of {$23000.00} I owed. At the branch, the teller calculated that my new monthly payment, going forward, would be {$200.00}, which corresponds to what I calculated the new payment would be. 
A few days ago, I checked the institution 's website which states, instead, that my new payment will be {$230.00} ( previously, before paying off XXXX of the accounts, my monthly payment was {$270.00} ). I called the institution to ask them to correct the payment information on the website to align with what I was told at the branch and which I think is correct. I was told that the website amount, {$230.00}, is correct. I asked for a breakdown of the payment and was told that, for example, on # XXXX, my new principal payment would be about {$140.00}. But currently my principal payment for that account is only {$84.00}. I asked why my principal payment jumped from {$84.00} to {$140.00}, and the agent on the phone could n't give me an answer. I pointed out that, if I paid {$140.00} in principal every month on that account, I would pay it off way before the ten-year payback period ends. The agent on the phone could n't explain why this is so. 
In general, I told the agent that I could n't understand how it was that I paid off about 30 % of the total principal I owned but my monthly payment was going down ( according to the bank ) by only about 15 %. The agent could n't explain why this was. I think the institution is mistaken and needs to correct the monthly payment to align what I was told at the branch.

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 2017-01-18
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am supposed to have standing instructions on my account to apply any extra payment that I make each month to Fedloan servicing to my highest interest rate loan. I can provide emails from XXXX/XXXX/15 with my standing instructions on how to apply additional money. Subsequently I increased my monthly payment, and submitted a request to Fedloan inquiring about whether my standing instructions needed to be updated. I was told that changes to direct debit amount would not change my standing instructions. I did some checking into my payment history and discovered that my payments were not being applied as I had instructed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: CA
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:
So basically i had filed several disputes on closed accounts that are on my credit report that are inaccurate and unverifiable. Many times i had to call XXXX, Equifax and XXXX and update them but they failed to make any changes and remove these inaccurate and unverifiable accounts from my credit report. Accounts that do not belong to me are 1. XXXX XXXX XXXX  2. XXXX XXXX  3. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
As there was no option to supplement a previous complaint, this is a follow-up to the previous complaint that I submitted about American Education Services, a student loan servicer in Pennsylvania. I again spoke with XXXX of their customer service representatives today and was again advised that they can not tell me or do not know who owns my loan. It is utterly irresponsible to allow servicers to call to collect on a loan without any information on who owns it. I have been told by this company that they have no options available to me regarding repayment, that I would need to speak with the loan owner, however they continually fail to provide that information. Private loan originators should be held to the same ( or more stringent ) standards as the XXXX. At a minimum, I should be able to find out who owns my loans, as this type of product is perpetually being sold and resold. This is a serious consumer protection issue when you are told that you must speak to the loan owner, yet restricted from obtaining the identity of such entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
Received a payday loan back in XX/XX/XXXX. I tried to contact the lender ( Check n go ) to pay off loan. To no avail they did n't have any information that I took out a loan. I got a call on my job XXXX from A person name XXXX XXXX contacted my job threating me that I would be arrested. I call hiim back and he couldnt tell me what online Payday loan I had taken out, but had all of my personal information. He is harrassing me. His number is XXXX. I wanted to set up payments but he transferred me to XXXX XXXX XXXX who still could not tell me who I was paying. I didnt give him payments because he could n't tell me what company my loan was with. I 'm not giving out my bank card to just anyone. Please help stop them from contacting my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: AES/PHEAA
State: PA
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 currently have {$110000.00} in debt that is handled by AES. When I have called in the past to get a reduction in monthly payments, they have told me that my only option is forbearance or to continue paying at the current amount. I pay {$630.00} a month to AES. I also pay {$780.00} /month to XXXX and {$160.00} to my federal loans. I can not afford payments as my financial situation has changed and I have to pay rent and household bills. If there is any relief that can be provided, it would be greatly appreciated. My financial situation will unlikely get better over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: SUNTRUST BANKS, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
It is with great frustration that I am submitting this complaint. I have requested a loan modification twice with SunTrust to no success.. I am definitely not accepting their decision. They do not want me to appeal the denial. 
I feel their decision was based on incomplete or un-reviewed information. 
They have send me a list with various option indicating eligibility and ineligibility. I want my house. I am not accepting a deed in lieu. Why can they work out a plan that will allows to remain in our home. 
They have not consider the circumstance beyond my control. I was diagnosis with XXXX.. I was unemployed for a long period of time I had no other recourse than to request a work out plan from SunTrust Mortgage.. Refinancing not an option at the time. 
Our mortgage balance is more than what our home is worth. This situation cost me my job. 
Shortly after my personal life was like a turmoil.. It came down to where my wife and I separate it for a year due to this horrific situation. We have let Santrust know that thy have not helped us or done anything to help us. 

She now has returned home and contributes XXXX % to our household expenses We want to maintain our home. I really will like Sun Trust to consider my request. I have file an appeal. I have send all the documents required for a review. My wife " s income was higher for the year 2015 and will continue.. We are confident that we can take care of this mortgage as long as Sun Trust adjust my principal and interest and extended the terms of the loan. Please note that we are not looking to ignore our responsibility. Please help us out.

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