BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Other fee

Complaint:
JCP Payment Screen/Account Summary ( first screen once logged into account ) is deceptive and has cause me financial harm, thereby being abusive by CFPB terms. 

There are XXXX choices to choose from to make a payment, non of which state that your account may be delinquent. Per the representatives that I spoke to today, XXXX/XXXX/2017, ( lastly was XXXX in collections ) my account was delinquent even though my payment history would reflect otherwise. My monthly amount due went from {$68.00} to {$190.00} due to being " delinquent '' - something I only found out by calling and speaking to both representatives. I had been charged XXXX late fees {$37.00}, {$37.00}, {$27.00}. I was told that I missed my XXXX payment, however in XXXX I made XXXX payments to correct the missed payment as I did not know that I had missed the payment. 
I was never advised that by doing so, I would still not be bringing my account current. I have been using my card without issue once payments have been made. Per the account payment screen, if I click option XXXX, I make my minimum amount due payment- which I do monthly. 

I believe that the " delinquent amounts '' should be shown on any XXXX of the XXXX lines of options to pay each month. 

While XXXX did waive XXXX of my late fees, I am still very dissatisfied with the fact that I had to make a {$59.00} payment over the phone to bring my account " current '' and no where on my account page did this amount show past due. 

I have been a loyal customer of JCP for years and I feel taken advantage of and sadly believe that the only reason I had XXXX late fees waived was because I understand UDAAP and was able to explain the Deceptive and Abusive features of their online payment system. For others without this knowledge, I fear they are being taken advantage of. 

I am very unhappy and will no longer be shopping at JCP. I will work monthly to pay off my account. I was told by both representatives that they would place a " complaint '' in their system. 
I too am placing a complaint with the CFPB to ensure that this abuse does not continue and harm others.

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 monetary relief
Consumer complaint received 2016-03-01
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Payoff process

Complaint:
I stopped making payments on a XXXX credit card in XXXX 2015 due to underemployment at the time. In XXXX 2015, I got a part job and began attempting to catch up on past due payments from a number of accounts. In XXXX 2015, I was contacted by a third party collections company working on behalf of this GapCard named XXXX XXXX XXXX. I was informed that a payment of approximately {$200.00} was due to bring the account current. I told them that I was unable to pay that amount at that time, but that I was willing to begin making payments. They then asked me how much I would be able to pay, and I responded with about {$50.00}. I was placed on hold for a few minutes and when they came back on the line I was told that by setting up 6 monthly post-dated check payments of about {$70.00}, I would have the account current at the end of this period. I assumed that the account was in collections at this time ( since I was speaking with a collections agency ) and I agreed, assuming that those payments would go towards paying off the principal balance.. I subsequently learned, some 4 months, and {$270.00} later, that these $ XXXX monthly payments were nothing more than the bare minimum needed to cover interest and late fees on the account to prevent it from actually going into collections, and what I thought was a payment plan on a settled upon balance, was little more than money thrown away. My balance is no smaller than it was 4 months ago, and my minimum payment to bring the account current is now {$250.00}, some {$60.00} more than it was before I payed {$270.00} to this creditor. I was not just mislead, but lied to, and tricked into entering into what would have been a never ending payment plan. There is no way I would have ever knowingly entered into such an arrangement. I would have just let the account go to the courts and entered into some sort of arbitration to pay off the account. I spoke to someone at GapCard today and they said they would " file a complaint '' against this collection agency, but frankly I do n't trust them, and certainly do n't expect to see my money back. I would like some help. I can only imagine that this is happening to other people and it definitely needs to stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-20
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our servicer will not send us a monthly statement of our mortgage statement or allow us to log on online in order to see what our status us ( bal, pymt amount, whether we are current, past due, etc ). We were in a bankruptcy, but that ended in XXXX of XXXX. Dovenmuehl stated that because of the bankruptcy we were not allowed to see any current information. Since our bankruptcy discharged over 9 months ago, the servicer still ( as of today, XXXX/XXXX/XXXX ), will not let us obtain information on our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
The credit reporting bureaus are reporting my credit card accounts as fraud which is not the case. Therefore, my credit accounts are being closed in error. I contacted them about two months ago and I was supposed to hear back. To date, I have not received anything other than an affidavit for fraudulent transactions. It was not completed because this is not the case. All charges were authorized and made by me. Also, after updating my address, they keep sending correspondence to the old address which is where the above was mailed. I opened the account to establish and maintain a good credit history and because their incentives appealed to me. This account is valid and I 've made payments on it as agreed over a period of time, close to two ( 2 ) years. Now, that information is not reflected on my credit reports because it was deleted. I did not file a fraud complaint with any of my credit cards or the bureaus. However, I do have a fraud alert which requests to call my number to verify my identity before opening an account under my name. This was done initially when the account was opened and confirmed which is why the account was opened in the first place. I believe what may have prompted this was a change of address as I recently moved. At the moment, valid and accurate information is not being reported under the Fair Credit Reporting Act.

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 2016-10-05
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting repeated phone calls from Conn 's regarding a debt, they call every hour, and have even called back to back. One Sunday, XX/XX/XXXX - I received XXXX phone calls from XXXX and none of those times did they leave a message. I have a file that I would be happy to send showing the number of times they called in one day and the frequency and back to back calls - two calls in one hour - on a Sunday. Today, XX/XX/XXXX, I 've so far received 5 calls before XXXX thru XXXX - again - robocalls with no message left. I have told them not to call back to back and it was crazy for them to call that many times on a Sunday, and that I would be filing a complaint. 

here is the frequency and proof of no message left - as it was just a " missed call '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13
Company: First Choice Assets LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to receive calls from varies debt collectors looking for a XXXX XXXX or other person I do not know. The latest was from : First Choice Assets LLC Mailing Address : XXXX XXXX XXXX. # XXXX XXXX, NY XXXXPhone : XXXXFax : XXXXEmail : XXXXXXXXXXXX.XXXXThey call from a local XXXX number of XXXX. I identified myself and order them not to call me. They accused me of being rude and unhung up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: United Group Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have had this phone number for about 5 months. I keep getting phone calls from United Finance. I have told them on many occasions that there is not XXXX here, but they still keep calling me. I have wrote them a letter asking them to stop calling, but I still keep getting calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We refinanced our mortgage, and paid the old XXXX off in full. Upon closing the old loan, we were charged {$220.00} for a Loss Mitigation Fee. 

The company, Dovenmuehle Mortgage XXXX XXXX, can not explain what this fee is for, and they refuse to refund the {$220.00}. This loan was suppose to have a no pre-pay penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Have full coverage insurance, paid co pay of XXXX dollar as required be my XXXX XXXX XXXX plan to hospital XXXX at time of visit. Visit was 10 min to look in my ear. My insurance was billed afterwards. Then i got nasty calls from CMRE. XXXX to pay or they would destroy my credit. I explained to them the bill was paid in full. I now see repeat strikes on my XXXX credit reports from them. I would like to take legal action

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Moxley & Associates, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I 'M WRITE TO ALL OF YOU AGAIN. HOLLOWAY & MOXLEY IS STILL CALLING OUR HOME AGAIN.AND THEY WANT TO LISTEN TO NOBODY.THEY NEED TO LEAVE US ALONE. I 'M SORRY I PUT MY NAME DOWN BECAUSE I DID N'T KNOW.I WROTE ALL OF YOU JUST IN A LAST MINUTE.TO HELP MY MOM.I WANT HOLLOWAY & MOXLEY QUIT CALLING OUR HOME BEFORE MY DAD WILL LET THEM HAVE IT, OR ME. YOU ALL DO SUCH A GOOD JOB.BY HELP PEOPLE DEALING WITH HARASSMENT.I WANT TO SAY THANK YOU SO MUCH.AND GOD BLESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: Convergent Resources, 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:
I recently received a letter of a debt collection. The debt collection is from a company I never personally had a contract or business with. It must have been a identity theft that I 'm not aware. I will take the necessary steps with my local law if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2016 I reviewed my credit report from the XXXX Credit Bureau and noticed an account from CMRE Financial Services , Inc . This agency claims that I owe them {$280.00}. Therefore I sent a validation letter requesting specific information about the account they claim I owe them. On XXXX XXXX, 2016 I sent the letter requesting proof on the account they claim I owe them. On XXXX XXXX, 2016 they sent a letter stating that they looked into my dispute. The letter I sent on XXXX XXXX, 2016 was a validation letter requesting specific information regarding the collection account that CMRE Financial Services , Inc claims I owe them. It was not a dispute letter. CMRE has not provided sufficient evidence that this account belongs 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 2021-05-18
Company: Consumer Adjustment Company Incorporated
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I RECENTLY DISPUTED CONSUMER ADJUSTMENT CO EARLIER THIS YEAR ABOUT A COLLECTION THAT THEY CLAIM THAT I DID OWE. IN RESULT OF THE DISPUTE THEY COULD NOT PROVIDE ME WITH VALID INFORMATION CLAIMING THAT I OWE THEM THE DEBT. 
CONSUMER ADJUSTMENT CO XXXX {$620.00} I WOULD LIKE THIS COMPANY TO PROVIDE ME A COPY WITH MY SIGNATURE OF THE ORIGINAL DEBT AND THE RIGHT AMOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: EMBRACE HOME LOANS
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home with Embrace Home XXXX and closed on XXXX XXXX, 2015. I refinanced from a 30yr mortgage with no MIP. The MIP was removed after 5 years and after my LTV was below 78 %. After about 2 years I decided to refinance for a lower rate and no MIP. I refinanced with a streamline 15yr mortgage. No upfront MIP and no annual MIP. I have made payments for a year and then Embrace decided to withdraw money from my Escrow account without my knowledge to pay form MIP. They withdrew money to pay for taxes and insurance and caused my escrow account to be short. After trying to get them to understand that I did not have MIP, they decided to refund my account. After refunding my account they said my loan should have had MIP. Based on what the lender and other lenders I shopped with before deciding to go with Embrace my loan does not have MIP. I did not sign any documents that stated this loan would have MIP. All loan disclosures we signed only stated payment would consist of P & I, taxes and insurance. How can 1 year after closing a bank just can add insurance to a loan and remove money from accounts that they have no rights to. It is my understanding that nothing can be added to a loan after closing. If there was a clerical error they could contact me to correct that but. nothing regarding the amount of loan, interest or any other payments could be added. Please help I have tried since XXXX of this year to get this corrected and they can not seem to fix this problem. It seems that the bank should be fined and held responsible for this error and correct the problem or pay my house off. I attempted to make a payment today online like I normally do and could not, because the payment amount is incorrect because of this problem. They have added MIP to my payment and well as a shortage amount which they caused the shortage themselves by steeling money from my escrow account. I have attached my Final HUD, Truth and lending statement, which show no MIP at closing. I have also attached my first payment stub which also shows no MIP. The current payment know shows MIP and escrow shortage. This need to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This one advantage, llc trying to collect debt from XXXX/XXXX/2007 If this pertains to school loans and all my loans where consolidate and are in forbearance so I do not owe what they are trying to collect. If this is from XXXX they lied about there programs and rushed me to start before I was ready and before they had all my transcripts to make sure I was able to start program selected and that it would lead to career desired and I found out after it would not when they told me it would. Staff was not helpful ... only want money.

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 2015-06-03
Company: Convergent Resources, Inc.
State: RI
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:
Sending emails, threating to sue and add additional charges resulting in jail time, calling non stop after XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Convergent Resources, 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:
Convergent Outsourcing is attempting to collect a XXXX, XXXX cellular phone bill when the delinquent amount is not owed. After speaking XXXX with Convergent representatives to demonstrate that incorrect or perhaps fraudulent charges have been assessed against the account holder, Convergent still makes attempts to collect this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never had a account with a company called XXXX. I have told them this on many occasions and they continue to say that I owe this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Convergent Resources, Inc.
State: CA
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:
Received a letter claiming I owe debt on a Debt that was paid in full more than ten years ago. Called Convergent Outsourcing Inc to dispute the debt informed them that it was paid in full over 10 yrs ago. Later received another letter requesting information to complete the their investigation. As of now my bank I was unable to pull up my bank history due to the age of the acct. I feel that the original lender XXXX sold a debt that was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2016, I saw that I had a bill from Convergent Outsourcing. Which the debt collector sent this debt to an old address that I have not had any type of communication with since XXXX 2016. I never knew I had a debt I collection. The original creditor, knows my physical address, because I already have an separate open case with this creditor. Which I am asking for Convergent Outsourcing to send my verification of the debt and I am also disputing the debt. The information that debt collector has sent me does not outlined to make me understand the amount they are asking for. I have no knowledge of the debt and the debt is not mines. I did not have enough time to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CMRE Finance. XXXX XXXX. {$100.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Firstsource Business Process Services, LLC
State: NC
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 First Source Advantage has called my employer several times and left voicemail messages at my place of employment for me stating on the recordings that they are calling to collect a debt and leaving a number XXXX stating that if this is the wrong number to call and let them know. I do n't believe that they are supposed to leave messages at my place of employment stating that they are calling to collect a debt. Additionally, I called them on last week XXXX XXXX, 2016 and requested that they only contact me by mail. I informed them that someone else at my place of employment retrieved and listened to the message. However, they called again on today, XXXX XXXX, 2016, and left the same voicemail message at my place of employment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
More than two years ago, I fraudulent account was opened in my name with HSBC. I immediately contacted them and asked to close the account since it was a result of my identity being stolen. HSBC refused to act. Since then, I receive a statement every three months, and I call their fraud helpline to ask them to close the account. This has been going on for two years, and always HSBC refuses to close the account. They have never gotten back to me to let me know what they would do about this identity theft.

Company response to consumer: Closed with explanation