BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-28
Company: DISCOVER BANK
State: KY
Product: Credit card
Issue: Rewards

Complaint:
Discover Card advertised and has been running a promotion whereby the account holder will receive 10 % bonus points/miles for purchased up to {$10000.00} total made using XXXX. After the promotion began Discover changed the terms to dis-allow gift card purchases to count towards the promotion. They have arbitrarily declined me the bonus multiple times stating they believe I had purchased gift cards. They stated that if I did not purchase gift cards I should email them scans of my receipts. This shows that they are erroneously and without merit denying claims to the bonus with out any actual information or proof. They are also asking me for receipts, which I do not have because I did not keep them due to the fact that the terms of the promo do not mention the need to keep receipts. Discover is being very deceptive luring me and others in to a promotion and the using bait and switch tactics to not have to pay out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the following accounts that appear in my report, are not mine, they were reported without any authorization, they are hurting me. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

7. Identity Theft XXXXXXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I canceled my Discover Credit Card in XX/XX/XXXX of this year, due to numerous unauthorized charges ( mostly by XXXX 's ) and XXXX disputes that were found " in favor of the vendor '' in excess of hundreds of dollars, although documentation was not properly collected nor investigated properly. I have now received a statement from Discover with a charge dates XXXX ( 2 months after I canceled my card ) for a XXXX warranty in which during a call on XX/XX/XXXX, Discover informs me " we have documentation that supports the vendors ( XXXX ) charge. '' I however, have been directly communicating with the XXXX Offices of XXXX, and they have assured me that my warranty in the amount of {$85.00} was not charged. When I called to complain about this fraudulent charge to Discover, they REFUSED to give me anyone 's name, and would only give me a " p.o.box address to lodge a complaint. '' They also threatened ( bullied XXXX me that " if you do n't pay, you will be charged late fees. '' As an independent XXXX, I have spent a PLETHORA of hours upon hours from XX/XX/2016 to Present, fighting with Discover, which has equaled additional financial loss. Please tell me how a credit company in which I separated services with over 2 months ago is holding me in financially responsible and XXXX for unauthorized and fraudulent charges to a credit card THAT NO LONGER EXISTS?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, I opened a new car loan account with XXXX XXXX ( XXXX ) in XX/XX/2018. I've made two monthly payments of XXXX. I've spoken to their customer support about why I've not see this account reported on the three CRA 's. They informed me that they have reported to all three but the CRA 's still is not reporting account. Please add this account to all three agencies. I've included their customer report number for your contact.

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 2015-10-26
Company: PNC Bank N.A.
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX, XXXX XXXX, 2015, i went into the PNC branch in XXXX on XXXX to exchange some spare change I had. The bank said they do not have a coin machine and refused to exchange my currency if i did not put it in sleeves myself. How can this be that one of the largest banks in the United States refused to commercially exchange U.S. coins for dollars?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CREDIT BUREAU OF FARMINGTON, INC
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CBF Services is reporting collection accounts on my credit file that need to be removed. I recently took a look at my credit and noticed a few collections reporting on my file. I however, never received any calls or notices about this debt. This violates my 30 day right to dispute under both the FCRA and the FDCPA. Since it is now reporting on my credit regardless, I ask that they provide validation. This is not a request for verification of the debt but validation that I have any legal obligation to pay CBF Services. Reporting invalidated debt to any of the three major credit bureaus can constitute fraud under both federal and state laws. If any negative mark continues to report on my credit I will not hesitate in bringing legal action for violation of the FDCPA. During this validation period all credit reporting should cease and desist. If validation can not be made within 30 days, all references to accounts must be completely removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
pnc offered a deed in lieu of foreclosure deal to which i agreed. they granted dilof, gave me terms ( utilities off, house clean and empty, no damage ) and date ( this varied depending upon who i spoke with from XXXX XXXX to XXXX XXXX XXXX ) by which property was to be surrendered which terms i met. there are no liens and no 2nd morgtage. after their title search, they demanded i pay for a survey which i can not afford. they said deal off, we 're foreclosing. they say property can not 'convey ' without survey, yet the property seems set to 'convey ' via foreclosure. they will not explain any of the title search results verbally or in writing. they will not put any terms of the payment for surrender deal in writing. 
they made the terms and i met them. i performed per the terms of the dilof as dictated by them. they alluded to, pending inspection of property, up to {$3000.00} payment for complying with the terms of dilof. they will not put in writing details of payment for surrender and are immediately argumentative if you ask. i never demanded a promise, just to see the terms in writing. they have reneged on the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: BB&T CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My complaint is directed towards Regional Acceptance Corporation. I have had a loan with them for two years. My outstanding balance is not going down at all and they charge {$10.00} per day that the payment goes past the due date. In my particular situation, I had poor credit due to a loss of a job which in turn I lost my house, car etc ... ..this is the only company that would accept me, this is something I HAD to do as my mother was ill and I had to travel long distance every weekend to care for her. I lost my mother in XXXX of this year and due to the travel back and forth became late on my payment, I have never been 30 days but sometime close. My monthly payment is {$500.00} on a XXXX XXXX XXXX, now they are charging {$10.00} PER DAY late fee plus their late fee, the loan is not moving! It will never move, I will be paying this for the rest of my life! My credit is now in good shape, I just received an approval letter for a home loan, I tried to get a modification with Regional Acceptance and they said they do not do modifications! I was approved with my credit to refinance for {$200.00} less per month BUT my loan is under water and no one will touch it! The car value is approximately XXXX and I owe XXXX!!!! This is out of control! It has to be against the law somewhere for these people to take advantage like this. They are all over the web with similar complaints.

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 2021-06-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I did not discover a fraudulent check on my account until just after 90 days. I contacted the bank immediately, shut down my account, did everything they asked of me. Even with over 20 years of experience with multiple Chase Bank accounts, they refused to refund the amount ( {$1500.00} ) without even investigating the fraud, because it was beyond their contract terms. This is fraud, and should be investigated, at the least! They cashed a clearly altered check, but refuse to do anything to help me. This is a devastating amount of money for me, and the check was for my mother 's nursing home for her monthly care. Someone intercepted the check, erased my info, wrote in their own ( very different handwriting ). This short time limit is a ridiculous policy by the bank which clearly harms me, the customer/consumer, leaving me with not enough protection from my banking intuition. Their should not be a time limit on fraud. What if someone is sick in the hospital, and multiple checks are fraudulently cashed? There are many situations where 30, 60, 90 days can go by without being able to check every debit. I was recovering from illness, and like many others, was going through a stressful time in early 2021, so I did not catch this fraud in time. My mom 's nursing home also did not specify that they were missing funds until too late, which is when I checked my account and found the fraud. And what about my spotless record with this bank for over 20 years, and they can not make a single exception for their customer? The bank should have better fraud detections, when they know that there is so much fraud. How can they offer a product, like checks, tell you to use them, then offer not enough protection? I am finally making the switch to a credit union, as Chase Bank and all the others like them are just evil entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX lied to us and said there was no contract and it would be the same like the one we had : {$95.00} for first line and {$10.00} for second line, total bill would be {$150.00} like the one we had before. In fact, the bill was {$190.00} and we never agreed to pay that price. XXXX rep said there was no contract so we returned the phones to sprint because we knew we could n't afford $ XXXX/month and if we knew the phone was not us at the end, we would not agree. XXXX made it very difficult to return the phones. sprint customer service rep said we could return at the store and many stores said they are 3rd party stores and could n't accept it and I had to go to the original store located in XXXX XXXX, tx where we bought the phones to return them. we went to original sprint store located in XXXX, tx for XXXX8 times and they refused to accept. I asked them so what they were doing at the store and they said they only activated phone. Too tired of going back and forth to the store in XXXX when we do n't even live in XXXX, we shipped the phones back to XXXX ( with XXXX confirmation ) and it showed that they received the phones. Then XXXX sent my account to collections and reported negatively on my credit report since XXXX of this year. I sent many letters to XXXX and collection agencies and receive no response. This has affected negatively on my credit report and my employment background check for my job when I do n't owe the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
3rd party Debt collector is trying to collect wrong amounts on a credit account That I supposedly had. This debt possible could even be past the statue of limitations if I owned this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I got behind on my mortgage payments the last part of last year ( 2015 ) I applied for a modification, as I was instructed to do so by XXXX bank and not to make payments. My loan then was sold to SPS and my modification was denied, I submitted an appeal which is currently in review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Advance Bureau of Collections
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX accounts are ten years old but the collection agency is re aging my accounts as if they have just been reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Academy Mortgage Corporation
State: DC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted XXXX, a company who provide services to mortgage lenders and mortgage companies, on Monday, XXXX XXXX, XXXX regarding their unauthorized hard hit inquiry on my credit report. XXXX stated that they received authorization on XXXX XXXX, XXXX to pull my credit from Academy Mortgage Corporation. I did not authorize or give my consent for either company to pull my credit. I did not apply for a mortgage with either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: Receivables Performance Management, LLC
State: PA
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:
This debt was paid as soon as I closed the account. This should have never been sent to collections. I have contacted Receivables Performance Management on several occasions. I was told this would be removed from my credit report, but it 's still reporting. This could potentially cost me a lot of money in excessive interest. I need this corrected. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Genesis Lending
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I went to school for XXXX at XXXX in XXXX 2010 and got an privte loan from gensis equaling XXXX my course cost at the time XXXX learned that they had been sued at I did not recevie, money for over payment the class that graudteed after me, recevied an reduction in tuttions payed, XXXX

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 2015-07-03
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
My husband and his previous deceased wife have a collection on his credit report from XX/XX/XXXX. I called the collection company 'Outsource ' to get information on his report. They now have that collection debt on my credit report! I called the company about my credit report and that the debt is not mine - this occurred in XX/XX/XXXX and I married my husband in XX/XX/XXXX. They did agree and stated that they would remove it from my credit report. This was on XXXX/XXXX/XXXX. They informed me to " check my credit the next week and it would be removed. '' I again checked my credit report on XXXX/XXXX/XXXX and it was not removed. Again I called the collection company 'Outsource ' and again the manager agreed that it should be removed and they would have it removed as soon as possible. I did question their process because they stated they had given information for it to be removed from my credit report previously, but it had not been removed. Checking my credit report today - I am showing that the collection is still on my report and has not been removed and I am showing that XXXX/XXXX/XXXX was the date it was reported. ( I am assuming this was the updated date of any information from the company ). If they are reporting ANY information in a timely manner, would it not be removed by now? This has greatly impacted my score - it has dropped XXXX-XXXX+ points! Will this be corrected? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Trans Union, XXXX  and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter on XXXX XXXX, 2015 about a collection account from XXXX that was placed with Enhanced REcovery and I 've never had XXXX so after speaking to a representative she stated she would be sending the account back to XXXX office as a fraudulent account and once there had been an outcome, I would be notified. I never heard anything from XXXX nor Enhanced Recovery so I assumed the account had been resolved through the fraud department of XXXX. I never lived at the address on file for this account nor did i ever give anyone permission to use my social security number to obtain services in my name. This account was originally with XXXX XXXX 2 or 3 years ago and I disputed it and it was deleted immediately due to the account not being mine. I tried to refinance my vehicle and because there was a brand new collection reporting with this company I was denied for my loan and they they wo n't pull my credit again for another 60 days. I want this account deleted immediately due to never being notified of the ressolution of my fraud dispute before randomly reporting the accountto the credit bureaus. Also after speaking with Enhanced Recovery today I notified that it was no longer with their office and had been sent back to XXXX XXXX so there is no reson for it to be on my report as of today

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Lexis Nexis Risk Management Solutions has an email address listed for me on their Person Search feature that does not belong to me. 

This address is associated with an ID theft issue from several years ago and is a know scam address. 

I have asked them several times to remove this address but they refuse to take it off my file and it is now causing me issues since the address is associated with Spam and illegal activities. 

They are causing me harm by refusing to remove the address. 

The address is XXXX I have never used that address and it should not be listed as belonging to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I recently called Citizens bank to cancel and dispute charges on my new account of {$280.00} something. I just got back from outta the country, because my dad recently passed away and I get home to find out that my roommate stole and opened my mail and proceeded to use my debit card that I just got in the mail. He still has the debit and I tried canceling it but the customer service rep was so nasty to me, and did n't help me in anyway. Just said there is nothing I can do for you! I said let me speak to a supervisor, and they hung up on me!! Upsetting and rude!! I recently kicked my roommate out, and it got ugly, but you do n't steal from people helping you! I am so disappointed with the way Citizens Bank treated and handled my claim!! I just came right to here to file my complaint and get resolve on my matter of stolen money! I do n't want to speak to another nasty customer service rep.

Company response to consumer: Closed with explanation