BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX 2016 I received a text alert from USAA bank stating that my checking account had been compromised. The agent informed me that it would take 24-48 hours to do a fraud investigation and I would n't have access to my accounts. When I called XXXX XXXX 2016 the person I spoke with asked me for an authentication code that I did not have because no one ever gave me one and then asked for my phone number once I gave her my number she said that the number I gave was not the number on record. I explained to her that someone had compromised my account and must have changed the number also. She told me there was nothing else she could do she was locked out of my account when I asked to speak to someone in the fraud dept she told me should could not transfer me because she could not authenticate me. I have been experiencing pretty much the same attitude for the last 6 days when I call to find out what 's going on with my accounts. XXXX XXXX 2016 will be a week I do n't know how my account was compromised or to what extent. And USAA does not seem to be in any hurry to fix the situation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: MONEY SOURCE, INC., THE
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I bought our first house but the Loan was sold to the Money Source Inc. After being with them for a Year we Refinanced with them because we received a call from XXXX saying they can lower our Mortgage Payment. Which was great. Get to save some money. Or at least we thought. Well not really. We follow through with the XXXX and all of a sudden we never heard back from XXXX. A bit disrespectful towards us considering we had Multiple Questions regarding the Refinancing. Well then we had the fortune to speak with XXXX who followed the rest of the Refinancing with us. We asks numerous Questions regarding the Escrow, Taxes and she reasured us that she double checked everything and because of my XXXX Exception it lowered everything. Alright great well until we finished the Refinancing Loan. We get a Call from our Home Owner 's Insurance Company saying they have n't received payment and our policy is about to lapse. That was taken care of. Later we began inquiring about our Escrow Funds in for the Previous Loan and never been told about it or asked they applied the Entire Balance to the Refinancing Loan. Then until XX/XX/XXXX we receive the tax document Saying we need to pay {$2700.00} to MONEY Source because they under estimated taxes and escrow. If we do n't pay it our mortgage will be over {$1700.00} a XXXX. But if we do are Mortgage Payment is going from {$1300.00} to over {$1500.00} a month. Which we do n't have. Clearly there was n't any reason for us to Refinance except for Money Source to XXXX over a XXXX and Family out of their Money. Even though it 's something we asked them Multiple times about but clearly someone is n't doing their job Correctly or They do it for Profit.

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 monetary relief
Consumer complaint received 2017-01-06
Company: Diversified Consultants, 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:
Diversified Consultants is reporting a fraudulent account. I'ver never done any business with the debt originator XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Recently, I found a collection debit record from Designed Receivable Solution Inc ( XXXX, orignal creditor : XXXX ) on my credit report. I never went there to see a doctor, they must make a mistake. In fact, I know a guy whose name is similar to mine visited there to see a doctor and he also lived at the same place with me. I believe that they had made a mistake. 
So, I require to remove this collection debt from my credit history. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
IN VIOLATION OF TCPA ( SEE ATTACHED LIST ) CALLED ALL NUMBERS WORK, CELL, HOME AND OTHERS INVIOLATION OF TCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was XXXX overseas in XXXX and I made a purchase on XXXX for some documents for my XXXX. I called and told XXXX that I did not receive the document. I also did not have access to the document.They said it was sent. I had previous document purchases with success. This time it failed and customer service said it was not them. XXXX still tried to charge my bank account. I stopped the transaction and filled out a report with my bank. My bank did not pay. 
A year later, I am in a new country, and I get a letter from Convergent Outsouring, Inc. I wrote them what happen and I got no reponse by them. In my letter I wrote I desputed the allegations with XXXX. I received no letter from XXXX, so I assumed the problem was resolved. 
Another year ( XX/XX/2017 ) later I get another letter from Convergent asking for settlement for XXXX XXXX Bank on the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: Convergent Resources, Inc.
State: VA
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 Inc, XXXX, WA XXXX. This company sent me a bill to collect the money which was I did n't own, that debt is from XXXX which was I 've never used that services all my life. Please help. I 'm afraid if I do n't do anything they will kept on sending me a bill plus fee which was not belong to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was contacted by a representative from my current lender. The representative offered a XXXX point reduction in APR refinance loan for a {$10.00} administrative fee. The representative advised that because I had refinanced less than a year ago, the home assessment would not be needed. After a month, I was contacted by the representative and advised that I would need to obtain a new home value assessment. Once the assessment was complete, the home inspection documents that were sent separately to me and confirmed that the value had not changed. I was later contacted by the lender who advised that I did not qualify for the no cost refinance because my home value had dropped by XXXX. The terms then jumped to over XXXX for the same refinance. After showing proof that my home value had not changed, the loan rep advised that loan depot had made an error and there was nothing he could do. After multiple communications, the rep stated that he did not understand what had happened however, I would qualify for XXXX options that would both cost over XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
CMRE has credit reported XXXX accounts on my credit report without appropriately disclosing that adverse remarks were going to be placed on my credit report. I was never notified nor given the opportunity by either the original creditor or CMRE to pay my debt to them before it was sent to collections and subject to remain as an adverse remark on my credit profile for over 7 years. This long term credit score damage is severely crippling as a consumer, and subjects me to less than favorable terms for financing. 

This is an unjust practice that misrepresents my true credit worthiness. 

Since the integrity of the credit reporting system is important, errors like this should be resolved immediately and investigated thoroughly. On several occasions, I have documented communication with CMRE regarding there failure to properly disclose that I owed them any monies, that there clients also failed to send a bill, thus I was robbed of my opportunity to rectify this situation in a time frame that would have resulted in no long term credit damage. 

I have sent three written communications to CMRE explicitly detailing my concerns. One response was completely inappropriate and seemed like an auto-generated form letter that did not in any way respond to my concerns, and the other times they have completely ignored my requests. Therefore, I have no choice but to seek the assistance of the CFPB in order to have my concerns heard and resolved.

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 2016-03-16
Company: Harvard Collections, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harvard Collection Services ( possible owner XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX and XXXX ( XXXX XXXX ) Fax : ( XXXX ) XXXX they are calling my ( XXXX ) place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: SUNRISE CREDIT SERVICES, 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 was paid

Complaint:
Two issues : First, I have received a letter from Sunrise Credit Services , Inc. regarding a balance due to XXXX. I called this agency to tell them XXXX should not be charging me anything due to their own errors, and the representative - XXXX XXXX - hung up on me. 
Second, XXXX is a very bad product because their representatives can not access information and provide assistance without keeping you on hold for long periods of time. In our case, we were moving and XXXX could not provide us with the same service we had at our previous location so we were changing providers upon our arrival at our new home. XXXX disconnected our service prematurely, and when I found out, they established a totally new account in order to reconnect us. I called several times with information and requests for assistance regarding our account and the errors that had occurred, but the attempts were always futile. If we owe XXXX anything, which I do not believe we do, they should write it off because their company and their representatives could not fix the problems they created themselves.

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 2016-12-14
Company: Convergent Resources, Inc.
State: OH
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:
I was a customer of XXXX. I had XXXX since 2001. I was contacted by XXXX for being a long time customer that I was offered a package deal to receive an extended amount of channels to watch. But I had to cancel the program before XXXX or I would be charged the price of the package. So I accepted the terms. I did in fact Cancel the package before the end of the program, but was still charged the package price.It has been over 4 years since this has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Convergent Resources, Inc.
State: UT
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 from Convergent Outsourcing , Inc. stating that I owe {$100.00} to XXXX. I explained that I do n't have a XXXX account, but first I gave my Social Security number to verify my identity. They said I would receive a fraud victim packet and I never did. I tried following up by phone and every time I start asking questions they hang up. A XXXX search revealed that many other people have been scammed out of money by this same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have a checking account with regions bank and a unauthorised person took {$800.00} out of my account with out my permission. I still have my debit card in my possession and I never give anyone my info so I do n't know how this person took money out of my account. Both withdraws was taken out at a atm. I noticed the next day and immediately called my bank and filed a fraud report along with a claim. I called the bank a week later learning that they denied my claim because the transaction happened in the same state and because they knew my pin. I told them I still have my debit and can prove I was at work at the time the money was stolen. The bank never credited Me back my money. This was all the money I had and I need help getting it back.

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 2016-03-12
Company: AFNI INC.
State: IL
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:
Afni collection agency has sent me a debt collection letter, saying i owe money to sprint. I have never been a customer of sprint nor have i ever lived in the places they are saying i had debt. i have read many complaints about this company doing this illegally. Afni just sent me what is suppose to be verification but it has no information about me except my name and current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: American Credit Resolution, Incorporated
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This company calls me repeatedly at home and at work, and has contacted family and friends about a debt they refuse to validate. When they call, they refuse to give names, or to even tell me the full name of their company. They send me threatening text messages.I have asked them to stop contacting me by phone several times.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: EOS Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
My family and friends have been contacted by these people over and over again and are not only saying that I am going to be served/ arrested But that my family members and friends are also in trouble and that THEIR credit is also at stake and may be ruined. They have even contacted my ex-husband and told him that I owe for a bill and that he will be in trouble on a Federal level if I am not found immediatley. My Ex and I were married in the XX/XX/XXXX and have been divorced for over XXXX years. Just today they called my brother in law and threatened him on a " Federal Level '' and that HIS credit will be affected in a very negative way. He asked that they not call him anymore. He has had several calls from them in the past, but today 's call got especially ugly. The number that called him today was XXXX. I spoke to the company over a year and a half ago and explained to them that I felt I had resolved this issue with them by paying back what I had origanlly borrowed before they decided to tack on all kinds of fees and so called court costs. I also explained that I was not working at the time and still am not because I have XXXX.I am or have not been hiding out from these people. They have also called my work several times and told my boss my business or at least their illusion of what my business is. They also told her that I will be served at work. I never have been still to this day. If they are going to serve me or arrest me then why have they not done this yet?? They have humiliated me in front of my boss and my co-workers by constantly calling while we were trying to run a business. They have also called my daughter who has been out of the house, married and on her own for the last XXXX years and has gotten her terribly upset. It is humiliating trying to explain to my family, friends, boss and co workers that I have n't done anything wrong and do not believe that I will be arrested.I have never recieved anything by mail from them and no one has ever shown up at work when I was employed. Like I said I have never been hiding out, why do they keep calling and harrasing people that I know or have known in the past?? Like I said before I have a lot on my plate right now with the XXXX and all and going through treatment and DO NOT need this added extra stress in what I have left of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Mid-Atlantic Finance Co., Inc.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I went to a car dealer lot and got ripped off for XXXX the car and my down payment. I was in the process of buying a car back in 2011, and the dealer said he would shop around for a deal to finance the car. After having the car for XXXX I bought the car back to the dealer and at that time he said I have some one who will do the deal. I said never mind, and can I have my XXXX dollars back. OK, the deal is off. Canceled It.He said come back tomorrow and pick up the check for the down payment. I went back the next day and he was gone, I mean gone!!. The company he got to finance me called and said that I was approved. I told them I did not want the car and wanted the money back, she told that they had already sent the dealer the money for the car, I said I did not have the car or my money. So they told it was a done deal and that there was nothing I could do but make the payments.. I said make the payments on a car I do hot have. I will not! THIS HAS BEEN ON MY CREDIT REPORT EVER SINCE!! Late payments for the last 6 years. I have not been able to get credit in the last 6 years because of this. The company is Mid-Atlantic Finance in Florida, this wrong to do to somebody. The dealer should be put in Jail and Mid Atlantic. The way to resolve this is to give me back my money for the down payment and remove it from my credit. I did not make XXXX payment on the car, because I NEVER HAD THE CAR, THE DEALER LEFT TOWN AND LEFT ME WITH THE BILL. He Took my money and the bank 's money.. This is not fair and they should spend time in JAIL ...!! With years of late payments on my credit report. I have not been able to purchase a car or anything because this has held up my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Utah System of Higher Education
State: CA
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 applied for an in-school deferment the first week of XXXX for the XXXX semester commencing XXXX. I meet Federal deferment guidelines because I am enrolled in at least half-time units. My application was rejected because XXXX, the administrator of my student loans, stated that my college had reported that I was, at the time, enrolled in less than 1/2 time units. However, I had submitted the application for the XXXX semester and the form was completed by my college 's registrar. I was also informed that an updated Deferment Application form was available and that I needed to complete that form. Please note that the form contained and required identical information as the one I had submitted in XXXX. Nonetheless, both I and my college 's registrar completed the new form and I submitted it in hard copy by U.S. Mail the first week in XXXX. I also uploaded it to XXXX 's website. XXXX again rejected my application erroneously claiming that my college registrar had not completed Section 4 of the form. This was absolutely incorrect. I called XXXX and confirmed with their representative that the form indeed my college had completed Section 4 of the form and that they would reconsider the application. I called again on XXXX, to learn the status of my request and was told that it would take at least two more weeks to consider the application. XXXX has erred at every step of my application process. I asked to speak to a supervisor when I called today, XXXX, and after waiting on hold for several minutes, was told that " no one was available and try calling back later. '' I stated that I would prefer to remain on the line because it had been two months since my initial application and that XXXX repeatedly rejected my application due to XXXX 's own errors. I was placed on hold again for several minutes and was again told that no one was available. However, I was told that someone would call me back today. Because I have repeatedly been given incorrect information by XXXX, I am concerned that they are not complying with Federal guidelines with respect to In-School Deferments. I would greatly appreciate your assistance with this matter.

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 2015-03-24
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I submitted a debt validation letter to XXXX Services on XXXX XXXX, 2015 and have a certified receipt to prove that they have received a noticed and never responded.

Company response to consumer: Closed with explanation