BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-04
Company: DISCOVER BANK
State: WI
Product: Credit card
Issue: Advertising and marketing

Complaint:
I saw a promotion that Discover Card had announced where they were offering 10 % cashback on all purchases made in-store with XXXX Pay up to {$10000.00} and there were no exclusions noted. I chose to open a Discover credit card at the time due to this great deal being advertised. I confirmed with others that the 10 % cashback did not exclude gift cards. Fast forward three months, I 've started to receive emails from Discover stating that gift card purchases are excluded from the promotion. It turns out, that two days after the promotion went live, Discover decided to change the terms of the promotion to exclude gift cards. Discover did not inform card holders of this change in their terms. It 's absolutely unacceptable for a company to bait and switch consumers like this without any notice. I have contacted Discover via chat, who told me to email the email that contacted me about gift cards being excluded and I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: DISCOVER BANK
State: TN
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:
XXXX of the loans discover purchased in XXXX was never reported to my credit until XXXX XXXX. Also in XXXX XXXX I requested a debt verification per the law because of this discrepancy- they never responded or provided this to me which is a violation of law! They claim they never received it but I have proof of delivery certified receipt and tracking online that proves it was delivered to the address listed on the account. I have yet to receive any debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
FIRST YOU SHOULD KNOW THAT I AM XXXX FOR LIFE, XXXX with all the extra doctor bills, I fell behind on mtg pmt and applied for loss mitigation with Dovenmuehle mtg to have them help me in modifying the terms/pmt amt/interest rate or how ever they can help. THE FIRST PACKET WAS CLOSED because of the required info requested was not received. When indeed I sent the INFORMATION REQUESTED upteen times and I have all the saved sent emails w/attachments ( unfortunately, I cant attach emails ). It got so BAD that I got XXXX XXXX XXXX XXXX XXXX XXXX to assist with the paperwork because I sent everything in. They agreed and I filled out there packet and they refused to look at it and closed the case for help. Consequently, XXXX put a ESCALATED FILE STRAIGHT TO XXXX. So they reopened a new file after being contacted by XXXX ON XXXX I received that letter and I had NO FURTHER CONTACT FROM THEM ( letter recieved states THEY WILL INFORM ME IF COMPLETE/INCOMPLETE ), UNTIL I CALLED THEM ON XXXX see whats going on because I WAS BEING HARASSED BY SERVICER FOR PAYMENT EVERY 2-4 DAYs, which started even before pmt grace period over, because after 30 days of no info, this case would have been closed. I am ALSO FILING A COMPLAINT AGAINST the servicer of Arizona XXXX XXXX. for HARASSMENT FOR THEIR IMPROPER COLLECTION PRACTICES. The loss mit dept then told me they are missing information which I emailed to them. THEY STILL REFUSE TO DEAL WITH XXXX AT XXXX LIKE INSTRUCTED, her phone is XXXX. I even emailed a stern letter to Dovenmuehle Mtg loss mit dept asking what they are doing with all my emails and attachments. I have them all saved, luckily. 

IT BASICALLY LOOKS LIKE THEY WANT THE HOUSE/LAND BECAUSE I OWE $ XXXXAND IS WORTH {$110000.00}. THERE IS NO WAY FOR THEM TO LOOSE. 

My printer is broken, so I have to send backup paperwork thru a email address as an attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a loan with OneMain Financial that automatic payments were taken out every month, it was always paid on time then the XXXX to last payment they stopped automotic pay on there own. I called and set up the last XXXX payments. XXXX payment was taken out and apparently the other payment never got taken out. Several months went by and I called them on XXXX XXXX after looking at a statement I received showing a payment do. It stated to call or mail payment to them by XXXX XXXX. I called and they are refusing to take my payment because the have sold the debt and wo n't take the payment for 30 days. I am trying to get a loan and no longer can get the loan because I ca n't show proof I have paid it off because they are refusing payment. Can they refuse payment for 30 days?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX in XXXX, Tn turned over a {$480.00} debt to Fox Collection in XXXX, Tn. XXXX XXXX made a mistake when they did this b/c I 'd got a XXXX program at XXXX XXXX XXXX in XXXX to pay for that hospital visit. When I pointed this out to XXXX XXXX they cancelled the remaining balance on my account. Fox Collection reports a zero balance on the debt but they have told XXXX XXXX and me as well. That they can not remove that negative account from my credit reports. Which we all know is false. Collection Agencies contact credit bureaus everyday and inform them they would like for accounts to be removed that were settled, cancelled and/or paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Transunion and XXXX refuse to list my existing mortgage on my credit report. They originally had the mortgage listed but was reporting inaccurate information. When I disputed the inaccurate information they simply dropped the account from my credit report. This mortgage has been in my name since XXXX when I purchased my home. I went through a Chapter XXXX bankruptcy in XXXX XXXX and it was successfully discharged in XXXX XXXX. Instead of XXXX and Transunion showing my account as current after the bankruptcy they simply removed it from my credit file. I have been paying my account timely for the past 12 month and unfortunately it is not reflecting this on my XXXX and Transunion credit file. Technically, I have been paying my account timely for the past 6 years because during the bankruptcy, the Chapter XXXX Trustee was responsible for all payments for my mortgage. XXXX is the only credit bureau who is properly reporting my mortgage account and as such I have a much higher credit score with XXXX. I have contacted both XXXX and Transunion via phone and via letter and they still refuse to add my mortgage back to my credit files. Transunion told me that my Mortgage company must send them a request to add my mortgage back to my account. An XXXX representative stated they were unable to add the account back to my credit report stating that would not be fair to me based on 7-year time-limitation of some sorts. I contacted my Mortgage company who sent letters directly to XXXX and Transunion ( twice ) telling them to list my account on my credit reports and show it as current. Unfortunately, they are not cooperating. I will give a lot of respect to XXXX for properly working with me to get this resolved after such a difficult time in my life. I still have another 20 years or so to pay on this mortgage so its unjust for Transunion and XXXX to not list my mortgage as a valid account. Please help me get my Mortgage listed back on my credit reports. 
Thank you and Have a Blessed Day!!! 
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 2015-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed an account XXXX and also provided documentation to establish the reporting companies failure to respond appropriately in accordance with Federal and State regulatory laws. This is my final attempt to have the reporting agencies correct the fraudulent information that does not belong to me, and that the company has failed to prove by the virtue of the laws governing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18
Company: Ad Astra Recovery Services Inc
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company trying to collect more money than I originally owe or borrowed. I only borrowed {$800.00} they are trying to collect {$1200.00}. I was not aware of all the additional fees and interested. I tried to resolve the matter several times but the companies failed to call me back. I called the 3rd party law office that has my account to do a settlement on the account they refused and said I have to pay {$1200.00}. The balance owed is more plus additional fees and interest that I can not afford. I have no problem paying what I owed I can barely afford all the additional fees and I was also told that a lawsuit was filed on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
This is my Fifth formal complaint last XX/XX/XXXX over 30 days, and asks you to investigate the business practices of Transunion. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
I have asked that XXXX Credit Card XX/XX/XXXX and XXXX XXXX Credit Card XX/XX/XXXX and XXXX XX/XX/XXXX, XX/XX/XXXX be removed as this was opened as a result of ID Stolen. This has been Removed/Deleted by XXXX and XXXX, however Transunion has been reluctant. My ID was stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX XXXX XXXX Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Transunion 's failure to properly adhere has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed. Failure to do so by Transunion this fifth time will pave way for a suit within 5 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed as aged out, other bureau removed based on Paid & Released seven ( 7 ) years from filing date XX/XX/XXXX, your records show now pd date, No release shown.

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 2015-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been recently denied credit based upon my TransUnion credit report. I immediately contacted TransUnion by formal correspondence to request a copy of my credit report, in full accordance with the FCRA. I also called TransUnion and a representative told me that I would have to purchase the monitoring service to receive a copy of my report. The FCRA enjoins Credit Bureaus to provide a copy of the person 's report if notice of adverse action has been rendered by the prospective creditor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
TJ Maxx delays crediting payments up to 21 days. I made payment on XXXX XXXX, 2016, money was take out form my account right away but the payment was not credited to my credit card yet. when I called TJ Maxx yesterday, i.e. XXXX XXXX, customer service told me that it takes 21 days to credit my account despite they took money right away. Is it the legal practice? No other credit card I have delays my payments.

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 2016-06-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called 16 times in 4 day period after told not to call.

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 2016-03-13
Company: Pacific Union Financial, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Pacific union Financial is asking security questions I never was ask to answer and after XXXX attempt your locked out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
They are showing that I have XXXX mortgages on my transunion with XXXX which is hurting my credit score when I only have XXXX. please remove the old mortgage I have a XXXX score with transunion and a XXXX with XXXX because of this error

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, Transunion, and XXXX credit scores. I have only missed XXXX payment to XXXX ( DEPT OF ED ), which is now paid to date, and they chose to report this late payment XXXX times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit report shows a {$12000.00} dollar debt on an XXXX XXXX credit card. The account was closed in XXXX 2009. I believe this debt should not be on my credit report due to how old it is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Beginning XX/XX/XXXX, I needed to get a vehicle using my credit. To my shock I kept being told that my score was extremely low. I was n't shocked that it was low because I typically always pay with cash. I begin to look at my report and they are riddled with information that is NOT mine. I began to send via fax and call on the telephone reporting these inaccuracies on my reports. At the same time, I began to research the FCRA at length, and I am appalled of the items on my report and how they got there..I can not tell you the number of times I have called XXXX, Transunion and XXXX . I have had some things removed but these bureaus are not following the law regarding removing items that are not physically verified. There is no original documentation of these debts proving to be mine. No signature or ID..Repeatedly I have disputed the SAME items, and they remain a part of my credit file. These Credit Bureaus blatantly and defiantly break the law and I am suffering because of it. My score NEVER reflects the deletions. For example, recently XXXX Judgements were removed and my score stayed the same. It is a travesty that I am being punished for debts that were NEVER mine buy agencies that are supposed to have clear accurate information.. 


Thank you for your consideration and prompt action in this matter. 

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 2016-07-22
Company: Mortgage Research Center, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage increased by {$200.00} a month. My county taxes have not increased and company is saying I do n't have enough in escrow. I have not missed any payments and have not been in the home for a year yet.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On XXXX/XXXX/2016 I spoke with a representative who stated that she was going to send the police out to my home, and they told me that I had a class 2 Felony. The representative was yelling and telling me the only way to fix this would be through bankruptcy. They did not start the conversation with say this is an attempt to collect a debt. At first they did n't want to tell me what the debt was for. Then they continued to call me a after I got off the phone with them. I start to receive phone e call from restricted numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Promotion advertised to open new account. 
Went through all the steps and at then end it checked my identify and asked me to answer questions, and somehow system were not able to identify me. 
Bank system took me to another page asking me to upload XXXX form of IDs to verify identity, once that completed, I was sent a confirmation that I will hear back from the bank soon. 
After a month or so, the Bank denied opening my checking account, telling me that they ca n't verify my identity thus they ca n't open my account.

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
Consumer complaint received 2018-05-27
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a Citi Priority account as part of a promotion offering XXXX thank you points for depositing XXXXUSD in the account and performing the following activities within 60 days of account opening : 1. qualifying bill payment for 2 consecutive calendar months. AND 2. Make qualifying purchases using your Citibank Debit or ATM Card ( from the promotion email ).  Once completing those, the terms stipulated the points will post within 90 days. Indeed, in XX/XX/XXXX I completed the required activities, and on XX/XX/XXXX I received an email ( attached ) indicating the points will post within 30 days. When the 30 days ended and the points did not post, I contacted customer service which said theyll investigate the matter. A few days later, I received the results of the investigation, again promising the points will post within another 30 days. They did not, and after contacting CITI bank twice more ( on XX/XX/XXXX and XX/XX/XXXX ) and receiving no response, I am now submitting this formal complaint.

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 2016-03-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle in XXXX. I pay online on the Nissan Finance website. I am being charged late fees if I do not make the payment 10 days before the due date. Example, my car payment is not due until XXXX/XXXX/2016 so I logged in today ( XXXX/XXXX/2016 ) to make the payment. I my payment increased for next month with the late fee already in place. It does not seem legal that if I am paying online and before my due date that I am charged a late fee.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Late fee

Complaint:
EVER SINCE XXXX BANK HAS TAKEN OVER PAYMENT PROCESSING FOR MY BP VISA CARD, WE HAVE BEEN PLAGUED WITH LATE CHARGES. THEY SEEM TO NEED TEN DAYS TO PROCESS A PAYMENT SOMETIMES. I DONT HAVE THIS ISSUE WITH ANY OTHER BANK OR PROCESSOR. THEY JUST SEEM TO FIND REASONS TO CHARGE LATE FEES. THEY ARE CLEARLY SCAMMING PEOPLE. I HAVE CANCELED THIS CARD AND PAYED THE FINAL BALANCE OF {$1900.00}. I HAVE A PRISTINE FICO SCORE. I AM SENDING THE CUT UP CARDS TO XXXX AND BP TO LET THEM KNOW THAT THEY ARE DESTROYING THEIR BRANDS WITH THIS ABUSIVE PRACTICE. PLEASE INVESTIGATE. FOR EVERY LETTER LIKE THIS YOU GET, THEIR ARE PROBABLY XXXX THAT ARE GOING UN-REPORTED.

Company response to consumer: Closed with explanation