BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my trans union credit report. i was told by the collection co. rep " XXXX XXXX '' that the account is being reported correctly. spoke to attorney XXXX XXXX and was told they have to update and report the account correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
DISCOVER BANK IS REPORTING THAT I OWE A DEBT IN THE AMOUNT {$1100.00} I REQUESTED VALIDATION OF THIS DEBT FOR AT LEAST 90 DAYS. THEY HAVE NOT VALIDATED THE DEBT TO SHOW HOW I OWE THIS BALANCE TO THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Please, be advised that Navy Credit Union bak, withdrew a money from my checking account to cover a charged off credit card, where we had not such a an agreement when I went to your local branch in XXXX XXXX. Bank teller, specifically, said that I can not tranfer money from on line banking to cover credit card payment, instead I have to go in the branch and make a payment. I do n't know how bank collection department got a liberty to transfered money without my consent, beacuse of that my check returned to merchandise for insufficent fund and also got charge a {$35.00} fee on top of bank a fee of XXXX . 
It was not a specefic date that I had to make a payment in the branch '' just once a month. A nay federal bank should refuded me a XXXX $ fee plus a XXXX $ that charged by merchandise, the totale of XXXX $ should be credit it back into my checking accoun.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Alliance One, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XXXX of 2015 my credit monitoring company notified me that my credit score dropped from XXXX to XXXX. I gained access to my report and found XXXX accounts reported by Alliance One Receivable. I contacted the company and asked what it was and they told me it was a debt to XXXX county. I asked what it was for and they could not tell me. I told them that I never received notification from them that I was in collections, or that they would be reporting to the credit bureaus. Further I was not notified of my right to dispute it. I asked the company if they could provide proof of mailing and they could not. To this day I still have not received any information from this company nor any attempts to collect the money however my credit reports remain tarnished by these accounts that I know nothing about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19
Company: DISCOVER BANK
State: WA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I am the Trustee of my sister 's estate. She passed away on XXXX. There will be no probate. She had a pour-over will so anything not titled to her trust and anything w/o a beneficiary goes into her trust. I contacted Discover Bank ( an online bank ) for the XXXX time on XXXX/XXXX/15 where my sister, XXXX XXXX XXXX, has a savings account. ( I have had XXXX other contacts, all initiated by me. ) I sent them my certified documents ( about XXXX pages in total over the last month ) stating who I was, about the trust, etc.. and asked XXXX questions : Were any beneficiaries listed on this account and if so, who? ( So I can let them know as it would be my niece and nephew. ) What was the Date of Death value ( which I must report to the IRS to account for the value of the estate )? What is the current value? They told me that once they received my papers they would answer my questions. Now they are saying they wo n't ; that they do n't " recognize the authority of XXXX County ( WA ) Superior Court and that they want " Probate '' papers. They refuse to recognize my authority and they also refused to bundle up all my documents and send them to their attorneys. I am at an impasse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I went to the offices of XXXX & XXXX who are debt collectors. When at the offices i signed an agreement to pay off my debt that they represent ( Discover Bank ). While there I provided documentation for the initial payment thru XXXX XXXX. When it came time for my second payment I was instructed that my settlement agreement was nullified due to non-payment of the first stipulation payment. Upon investigation it was XXXX who was in error because the funds sent for payment was confirmed by XXXX XXXX that they received the funds and the voiding of my stipulation was in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Medical Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no recollection of this account and what I am being charged for. This account is reporting that I owe over {$1000.00} for a procedure that I don't remember getting or never received paperwork or mail about a debt owed for a procedure. I would like a copy of the contract I signed and a breakdown of what I owe this for. In addition to that I would like for this to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: DISCOVER BANK
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had an old 0 % loan on my Discover credit card for the life of the loan. Its balance was about {$1400.00}. On XXXX XXXX, 2016 I mistakenly made a {$5000.00} 0 % transfer loan on my Discover card also. Four days later I discovered my mistake and paid {$5500.00} to repay that {$5000.00} plus the transfer fee and a bit extra on the old loan. I was told that Discover, " at their discretion '' chose to pay the smaller 0 % loan that was for life of the loan instead of the larger 0 % loan that was due sooner. That is not right. Extra payments are to go to the loan that is due sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Discover started a promotion for % XXXX Cash back on ALL purchases when using XXXX ( No Exclusions ). I purchased an Iphone and applied for a Discover Card based on that promotion. Sometime shortly after the promotion started, Discover added restrictions to their original promotion. These new restrictions simply stated " Gift Card Purchases Excluded. '' Discover pulled a Bait and Switch with this promotion, they threw out a promotion with a great reward and no restrictions, once they had people committed and pulled in, they changed the terms of the promotion. On top of the change in terms, Discover also continues to add restrictions to the promotions such as the requirement to send them receipts to recieve cash back, the requirement to send receipts if a Giftcard was purchased as part of a larger transaction. Discover is requesting potentially sensitve Medical information about my family, they have stated through their offiical XXXX account that when sending a receipt you may not black out sensitive personal medical information. Discover has also changed their terms of the promotion without notice to disallow ANY sort of purchase of Non-Merchandise, eg. Cellphone Reloads, Transit Card Reloads, Prepaid Debit Cards, XXXX reload cards, all of which fall outside of their giftcard exclusion. Nowhere do their terms of the promotion state their extremely wide definition of a giftcard. Discover has acted in bad faith with this promotion, they lured people in with a very lucrative promotion and then changed the terms once people, like myself, had committed. They continue to change their restrictions and widen their denials, they request medical records they have no right to, and have acted in bad faith throughout the entire process of this promotion

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
I have had a credit card with Discover. They closed my account which is fine. However, the company is asking for more money than I owe and as I pay the balance just increases. I need assistance with this. I do n't mind paying for what I bought but not all the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: DISCOVER BANK
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
About a year ago I opened a Discover Bank online checking account. I already had an online savings account with them and was happy with it. I like getting bank statements and credit card statements mailed to me because they help me remember to reconcile and/or pay them in a timely manner. I also like having a paper trail back up for my files. I noticed that for some reason I was not receiving paper statements from Discover Bank, so I went online to choose that option. I could not find a place anywhere on their website where I could ask them to mail my statement to me. So I called the bank. After to talking with several people, I was told that I can call anytime to request a paper statement, but that they do n't have a paper-copy option for their online checking account. I was told that I had opted out when I opened the account ( this is mandatory ), and that I had waived my right to " opt-in '' because no such option exists. Wondering if this was legal, I did some online research. This led me to XXXX XXXX, Senior Consumer Regulations Specialist with the Federal Reserve Bank XXXX XXXX. I sent an email explaining my situation to him and he wrote back the following : Pursuant to Regulation E ( Electronic Fund Transfer Act ), you are entitled to written periodic statements for your checking account if electronic transfers ( such as ATM or debit card transactions ) can be made from the account. See 12 C.F.R. 1005.9 ( b ) and 1005.4 ( a ) ( 1 ) The E-Sign Act applies when a law or regulation requires written disclosures. 15 U.S.C.7001 ( c ) ( 1 ). The E-Sign permits the use of electronic disclosures in lieu of the written ones, provided the consumer consents and is notified of the right to later withdraw the consent. Regulation E specifically requires compliance with the E-Sign Act if a financial institution wants to provide disclosures electronically. 12 C.F.R. 1005.4 ( a ) ( 1 ). The E-Sign Act also requires financial institutions to provide consumers with the right to withdraw their consent to electronic disclosures. 15 U.S.C. 7001 ( c ) ( 1 ) ( B ) ( i ) ( II ). 

If Discover Bank is not complying with these requirements, you can file a complaint with its federal regulator for consumer protection issues ; namely, the Consumer Financial Protection Bureau ( CFPB ). You can contact the CFPB at XXXX or visit the CFPB 's website to file a complaint online. XXXX/We hope you find this information helpful. 
XXXX XXXX XXXXSenior Consumer Regulations SpecialistSupervision, Regulation and CreditSupervision, Regulation and CreditThe Federal Reserve Bank XXXX XXXXOffice : ( XXXX ) XXXXCell : ( XXXX ) XXXXEmail : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: Rent Recovery Solutions
State: MO
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:
I rented an apartment for 1 year, I gave a 45 day written notice prior to the date my lease was up and moved, 3 months later I received a letter stating I owed them over {$3000.00}, for not giving notice and early termination of my lease. Now the debt is listed on my credit report and I have little proof that I did give them notice and I have both my lease from there and the lease from the place I moved to, which the dates from those prove that I did n't terminate my lease early. I do not know how to go about getting this removed from my credit and I have never had any other problems with any places that I have rented before then and after.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A review with XXXX XXXX XXXX started in XXXX of XXXX. A call to XXXX XXXX, at XXXX XXXX XXXX on XX/XX/XXXX stated that all documents were deemed to be complete. This review carried on into XXXX with no decision yet and then a call on XX/XX/XXXX to XXXX XXXX XXXX advised that they had service transferred the loan to Select Portfolio Servicing on XX/XX/XXXX but failed to send anything about this service transfer till XX/XX/XXXX ( leaving over a month of not notifying the client of who was currently servicing the loan ). When contact was made with Select Portfolio Servicing finally on XX/XX/XXXX they stated that they did not transfer the review and they needed a complete new packet. They were required to follow the same servicing guidelines as the previous servicer and because they did not, they made the client who would have been eligible for a Making Home Affordable Modification review not eligible since the program ended on XX/XX/XXXX. The review should have continued from the previous servicer and eligibility for the Making Home Affordable Program should have been reviewed. Since the servicing of the loan was not properly transferred the client improperly was denied an option for loss mitigation assistance. The result of the most resent review states that they denied the modification review because of it being " a bad business decision '' and that the loan is not eligible to be modified. In a QWR response by the previous servicer, the owner of the note is named as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was a participate in the National Mortgage Settlement Agreement. As participants, the consent judgement XXXX XXXX XXXX XXXX. signed requires them to review for a modification to make the loan more affordable. The consent judgement order from the courts dated XX/XX/XXXX changed that servicing requirement for XXXX XXXX XXXX XXXX owned and serviced loans investor guidelines where they might prefer not to as specified in the original mortgage note. In this consent judgement there is not a provision for a denial based on " bad business decision. '' They also are required to advise of the financial information that they used to make the decision ( gross income and household expense calculation ) which they are not. The denial leaves it completely unknown as to the information they used to reach their decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: N.A.R., Inc.
State: UT
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:
In XXXX XXXX I rented an apartment with XXXX XXXX XXXX owned by XXXX XXXX for 1 year contract to end in XXXX XXXX. In XXXX I gave the first notice so i can move out on XXXX XXXX and the manager at XXXX said the notice it is less than 30 days, so i had to stay one more month. In XXXX I put another notice in the drop box at the XXXX XXXX office, and i moved out in XXXX. Few months later i called them to claim my deposit and was told they could not find my notice. I then went there to follow up and the manager repeated the same thing saying my notice could not be found, few seconds later, after she took time look again, she said she remembered seeing before but it was a late notice, and so she could not refund any deposit, they would keep it until I pay one more month or she would deduct that from the one month rent that was due. I told her that was not right, she could charge me because my notice could not be found, and left. Months later i started getting bills after bills urging to pay otherwise it would be sent to collection. A month ago I went to visit a banker and was told I have a debt collection on my credit report. So i tried to contact XXXX and was told that it was Updated, it could not deleted, that I still have that to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: DISCOVER BANK
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I applied for a Home Equity loan from Discover Bank. They took 2 months to process my request and refused to do an actual appraisal on my home, thereby lowering the amount of the loan, raising the LTV, and raising the APR since their rate is based on LTV and loan amount. I was forced to go to another lender to get an accurate appraisal so that my loan application was processed correctly. The other lender appraised my home for {$55000.00} more than Discover who refused to use anything but county records to determine the appraised value. This difference allowed me to obtain the full amount of the requested loan that I asked for at less than XXXX % LTV where discover reduced the amount available to me and said I was at a XXXX % LTV even with the lowered loan amount. I want the loan inquiry removed from my and my husbands credit since they refused to acquire accurate information to process my application and this additional inquiry is dropping my FICO scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Revenue Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received forms from a collection agency called RCB Revenue Collection Bureau , Inc. representing the City of XXXX. The agency did not list an amount owed. It sent forms that would divulge personal and private tax information that they would use to see if I owed any debt. The forms contain a fake letter from the City of XXXX, Department of Revenue. I refuse to give this company any information. I would assume that if this collection agency was working for the City of XXXX that the city would have provided them with my Business tax account number and any debt I may owe. I am currently up to date with my taxes and do not owe anything to the City of XXXX. I want other business owners in the City of XXXX to be aware of this fraud. I would like you to contact this agency and tell them to stop this fraudulent activity. The forms were mailed to my old address not my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: DISCOVER BANK
State: KY
Product: Credit card
Issue: Payoff process

Complaint:
The Credit Card Accountability Responsibility and Disclosure Act of XXXX requires that when a borrower makes payments in excess of the minimum amount, the extra amount must go to balances with the highest interest rate first. Discover card has failed to do this for at least a year, causing me to pay over {$400.00} in interest that I should have not had to pay. Their not following the law is most obvious last month ( XXXX XXXX ) when I had a balance of {$2400.00} subject to a 22.24 % interest rate, and a balance of {$6400.00} with a 0 % interest rate. The minimum payment on XXXX statement was {$170.00}, however I paid {$6500.00} for that month 's payment, which is obviously a lot over the minimum payment. Since so much of this payment was over the minimum payment, according to the Act, the {$6300.00} over the minimum should have gone to the {$2400.00} at XXXX & interest, and should have paid that balance off completely and no more interest should have been incurred. Instead, on my XXXX XXXX bill, there is still a balance of {$450.00} subject to the 22.24 %. This has been happening through XXXX. I contacted Discover customer service at the end of XXXX and questioned them about this and they said that I did not understand the law correctly and that they could apply the payments in a proportionate percentage. Upon my reading of the statute, and other commentary I 've read regarding the statute, I believe that Discover is incorrect and is charging interest when I should have been able to pay off the 22.24 % interest balance a long time ago through my consistently paying more than the balance. I do not know the exact amount they would owe me for this incorrect application of my payments, however I believe it to be over {$400.00} from both XXXX and XXXX interest charges that were charged incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2016 Insurance loss check was sent to DovenMuehle Insurance for endorsement to pay for insured repairs to property. The check was in the amount of {$15000.00}. 
Two months later, XXXX XXXX, 2016 the check was returned to me for my signature at which time DovenMuehle cashed the check. 
On XXXX XXXX, 2016 ( three months later ) I received a check for {$5200.00}. The only correspondence I have rec 'd from DovenMuehle was the check and a blank lien waiver. Apparently, I was supposed to front all of the monies for repairs. 
XXXX XXXX, 2016, I returned the completed contractor lien waiver, via priority mail with a request to release the remaining funds. No correspondence from DovenMuehle. 
On XXXX XXXX, I called and after 30 minutes talked to the Loss Draft department who informed me that they needed an inspection before they could release the funds and that could not be completed for a minimum of 10 days. I was also told that this process had been outlined in their correspondence to me. I have never rec 'd anything from them regarding this claim. 
Please note that the insurance check was not the final XXXX it was in fact the funds necessary to complete the work. DovenMuehle has been retaining those funds for almost 5 months with no resolution. Can you please investigate?

Company response to consumer: Closed with explanation