BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-30
Company: Paypal Holdings, Inc
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
There was a charge back issue that occurred as a result of my former bank XXXX. XXXX did an intense investigation and found err on their part and returned XXXX back to PayPal 's merchants bank to be placed back into the sellers account. I have sent them proof from the bank that the funds has been returned via the visa network on XX/XX/2016 and posted into pay pal 's merchants bank account. However pay pal is refusing to give the seller the money ( XXXX ) that is due to him after the bank explained it was error on their part and sent the money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Flagstar Bank, N.A.
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 Flagstar Bank initiated a process for us to prove we had homeowner 's insurance active or they would place forced insurance on our house. This information was provided in full on XXXX occasions, both XX/XX/2015 and XX/XX/2015 which included insurance coverage and the contact information of both our insurance agents. ( The coverage had moved to another carrier during this process. ) The coverage was by XXXX name brand insurance agents which are easily contacted via the numbers we provided. With no notice, only a notice of " shortage '' in our escrow account, did we discover that Flagstar had forced insurance coverage ignoring the documents we had uploaded via their own online system with automated replies stating they received the information. Any help would be appreciated.

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 2016-02-27
Company: Paypal Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I filed a police report and PayPal keeps harassing me to pay. Now they have given my case to XXXX XXXX XXXX and it is hurting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-28
Company: Convergent Resources, Inc.
State: WA
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 a letter from Convergent Outsourcing Inc. trying to collect a debt from XXXX XXXX XXXX that is time barred by the statute of limitations. The letter is dated XX/XX/XXXX for utility bill debt from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
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:
I had a preoperative XXXX done in XXXX 2014 at XXXX XXXX XXXX in XXXX XXXX, CA. About a year later I received a bill for {$110.00}. I called my Medicare provider and subsequently I thought the matter had been settled.Now I am receiving letters and calls from a company called CMRE Financial Services for a company called XXXX XXXX XXXX XXXX. I have not been able to find the latter company anywhere. To begin with the bill for a XXXX was too high, it should have been approximately {$50.00}. I have contacted my Medicare provider many times and each time they have stated that the matter has been resolved. I feel that this company is trying to extort money from me that they know I do not owe. they are also charging interest on the bill which I do n't think they are allowed to do. I refuse to pay since I had Medicare at the time and the provider stated that the matter has been settled. My Medicare provider at the time was XXXX XXXX XXXX XXXX XXXX XXXX California. Please help me to settle 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 2015-08-08
Company: Convergent Resources, Inc.
State: NJ
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:
On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on XXXX others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was serving XXXX years in XXXX when this collection was put on my credit report. So this is ID Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: CMRE Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
medical bills were paid by my insurance company few years ago but cmre finance has in collections and they appear on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Convergent Resources, Inc.
State: NV
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 notified of this supposed debt by the collector. I contacted my cell phone service provider, XXXX, to inquire about its origin. They initially told me the debt had already been sold, so they no longer had access to my account. I asked to speak with a supervisor and was put on hold until the toll-free number hung up on me. So I called back. The next customer service rep accessed my account, and told me that when my girlfriend and I combined accounts, my account was canceled, and the remaining balance on the phone I had purchased had not been transferred over to the new family plan, as they call them. I called the collector back. The collector representative said the balance due was from XXXX services that had been billed to me incorrectly after the combination of accounts. I called XXXX back to verify. The XXXX representative I talked to said that I had only been billed one month 's service in error, and that half of the balance in collections was my final bill generated after combining accounts with my gilfriend. I was told they would submit a claim on my behalf, correct the balance, and then I could work with the collector to pay off the remaining balance due. One month later, I receive a letter from the collector that says they discussed the matter with XXXX, and XXXX had rejected my claim. That same week, the agency reported this debt to the credit bureaus. I am convinced that this is all due to a clerical error on XXXX 's part, that I do not owe anything, and that it should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
the original creditor illegally keeps XXXX sets of books and applies the payments to the wrong books. the debt collector needs to provide a complete accounting of both sets of books showing I had an overall positive balance with them at ALL points in time.

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: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This debt is about 17 years old and I remembered that I have this debt account closed by cross country. Now some new copy pay who is 3rd party have been.sendingme letters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Convergent Resources, Inc.
State: TN
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 moved and transferred my XXXX cable service. I then discovered that they had charged me on my old account. I was told that it was all tranferred to the new account XXXX. I then received a call from a collection agency and just to avoid any more hassle I paid the collection agency. I have now been contacted 2 years later by another collection agency called Convergent Outsourcing Inc . They are claiming the same debt has not been paid. I have seen multiple complaints about this company and that they are basically trying to scam people for older debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Contacted CMRE regarding a medical bill. He stated the bill was the correct amount and they have been trying to bill my insurance co since XXXX XXXX, 2015. Today they placed a collection on my credit report. I called CMRE and explained I never received a bill in this amount, I had already provided the Insurance Information months ago and I believe the amount to be incorrect. I requested they remove this until they can resolve it on their end and the representative refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company continuously contacted me about a debt. I explained that I never received a bill and did not believe I owed any amount. Requested a copy of the bill and they sent me the debt collection letter. 

Threated that if I did n't pay the amount would be reported to my credit. Said I should pay because the amount was small and that I would n't want an amount that small affecting my credit. 

They effectively strong armed me into paying a debt I still am not certain that I owe

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 2021-07-02
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to a my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am a Bank of America ( bank ) customer. I received an offer of a credit card which stated that my application for this credit card will be without any impact to the credit score. However, a hard inquiry was made against my credit file maintained by the credit reporting agencies. This hard inquiry diminished my credit score by few points. I asked the bank to remove this inquiry and they refused. I have attached a copy of their offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: Stearns Ventures, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I purchased a home in XXXX, MD on XXXX XXXX of this year. The original lender, XXXX XXXX, XXXX XXXX Lending, subsequently sold the mortgage to Stearns Lending, LLC. To ensure that our mortgage payment was made on time, we set up an automatic bank deduction with the loan servicer, XXXX. That arrangement was corroborated by a letter from XXXX on XXXX XXXX confirming that the initial draft against our specified bank account would be drawn on XXXX XXXX. However, for unknown reasons that did not occur. We assumed that at some point the deduction would be made as per our instructions and waited for the debit to appear. When it became clear that the transaction due in XX/XX/XXXX did n't occur I contacted a Stearns agent in an effort to resolve the confusion. She informed me that we had authorized making a double payment instead of paying in XXXX separate installments, which we preferred to do. The Stearns agent accepted our request indicating it was okay void one of the payments. That would have kept the mortgage current. However on or about XXXX XXXX we received notice from Stearns that our loan was in default. When I subsequently contacted Stearns, I was told by a collection agent that no payments were made and that the original information provided by Stearns was incorrect. It turns out that all the attempted payments were inadvertently cancelled. Sensing that our credit was in jeopardy I immediately brought the mortgage up to date by making two payments. However, checking our credit score this week I noticed that it had dropped XXXX points in the last month to a " not good '' rating. Looking at the actual credit report I see that Stearns reported that we were 30 days delinquent in making our XX/XX/XXXX mortgage payment, even though we tried in good faith to do so. This unfortunate situation could easily have been avoided had I received adequate notice from Stearns that a technical default was imminent. Our credit report shows no previous mortgage delinquencies in our history and that we have always been up to date with these payments. A low credit score has consequences in terms of obtaining additional credit and possible employment. We believe Stearns ' action has tarnished our reputation and that as a remedy the company must correct the delinquency report to the appropriate credit reporting agencies. Premature delinquency reporting is an unacceptable tactic that amounts to harassment causing considerable emotional stress. Incidentally, no late fees were imposed during this entire period indicating that no delinquency actually occurred. We have also filed a complaint with a credit bureau which is investigating the matter. Thank you in advance for your consideration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: Rocket Mortgage, LLC
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX I received A call from the company Lending Tree they transferd my to the bank here in XXXX Michigan Quicken Loans. I spoke to a XXXX XXXX who phone number is XXXX which the area code does not match the area code here in XXXX. ( XXXX ) I am a Veteren of the United States XXXX in which i asked XXXX XXXX about their Veteran home loan products. At no time i asked him to give me a quote, all i wanted was details about the products they offer. XXXX ask for my social security number so he can view my credit history i explained i am waiting for the XXXX reporting agencies to update my report. XXXX also explained that if my score was too low his team members at Quicken Loans can assist me by speeding up the credit issue process and if i give him my social security number to view his team members would call me immediately if my score was to low. The team members never called creating an hard inquiry on my credit report. I feel this is a bias company preying on the poor I am a Veteran of the United States XXXX and i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Partners for Payment Relief
State: CO
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I was notified that Partners for Payment Relief ( PPR ) had obtained a copy of my credit report. I have not authorized PPR to request and obtain a copy of my credit report. I have provided PPR formal notice to cease unauthorized inquiries ( made XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ) into my credit report. They failed to respond to my demand to remove the improper inquiries or provide any document that authorized them to make inquiries into my credit report. 
I contacted PPR on XXXX XXXX, XXXX and notified them the debt was discharged in Federal Bankruptcy Court ( XXXX ) and any attempts at collection ; including credit report inquiries is a violation of Fair Debt Collection Practices and Fair Credit Reporting Act ( s ). They assured me in our conversation on XXXX XXXX they would not request my credit report in the future. on XXXX XXXX, XXXX they pulled my credit report again. 
I have no legal ownership interest in the property which they are attempting to collect. 
The mortgage holders ; XXXX XXXX and XXXX Mortgage affirm they are NOT pursuing any claims against the property or discharged mortgage. In addition they avowed they have not retained or authorized PPR to obtain my credit report or act on their behalf in any attempt to collect on a debt. 
I have provided PPR documentation of the mortgage discharge in federal bankruptcy court as well as the recorded deed showing I have no ownership rights in the property. 
PPR is prohibited by federal bankruptcy law to attempt to collect on the discharged debt, is not an agent of the mortgage holders, is only permitted action against the property in which I have no ownership right and I have not authorized them to obtain my credit report. As a result they have no legal right to request and obtain a copy of my credit report and refuse to cease and request the credit bureaus where they obtained the reports remove record of the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: BB&T CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
BB & T claims that I am months behind on a loan, however, they have not provided me with loan documents, proof that this account is even mine. Only generic statements which have been e-mail directly from a processor ... 

When I attempted to add this loan account to my BB & T online profile the system claims that the account does not exist and although they claim to be mailing " demand letters '' and statements to me directly, I have not received a single piece of paper mail from BB & T AT ALL since the purchase of my accounts from XXXX ... 

I have closed all other accounts and was told by the loan officer that my ENTIRE balance due was deducted from my withdrawals and that should have been an end to it ; however, they still claim to have an additional line of credit that I do not have any knowledge of, is claimed to have been opened at a branch during a time I lived in another part of the state and they can not produce a single shred of evidence that it is mine. 

If I have a line of credit, I would like to have access to it, I 'd like to have it linked to an account or profile where I can manage it and monitor it and take advantage of the product as opposed to simply send money in the mail to voices on the other end of the phone who are demanding I do so ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I got a loan modification on my house and I thought the bank put the money that was owe on the end of my loan but they actually put a lean on my house. The company that the back out source my loan with went bankrupt. The bank claim that they do not know anything about lean. I want the lean removed and the debt cleared.

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 2018-05-27
Company: FIRST HORIZON BANK
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i took a mortgage out in XXXX. it was a 15 year and had 2 HELOC accounts as well. 
sometime in XXXX my finances changed and i filed for chapter XXXX bankruptcy XX/XX/XXXX. 
the chapter XXXX was dismissed in XXXX and was refiled XX/XX/XXXX. 
the mortgage was paid thru the second chapter XXXX. when chapter XXXX sent me records of the first case it showed the mortgage was paid on that one as well. i did not think it was but they have been paid all along. 
in XX/XX/XXXX the bank sent chapter XXXX a refund of {$1000.00} for over-payment. 
this was on a HELOC payment of {$170.00} per month. 
in XX/XX/XXXX the second HELOC payment of {$130.00} per month was shown as paid in full/stop payment in a letter from First Tennessee Bank to the chapter XXXX office. 
the chapter XXXX was discharged in XX/XX/XXXX and i was directed to pay the bank directly. 
XXXX i sent a check for {$480.00} to the First Tennessee as instructed by the chapter XXXX office. 
aware that this was approaching i contacted the bank through C/S and at the branch to find out how much was remaining on the payments starting in XX/XX/XXXX i spoke with about 15 different people and have no clue as to the balance on the mortgage. i emailed XXXX XXXX and they sent me back to customer service. 
it is my opinion this has been paid, but i am sending another check today. 
after all that has happened i think anyone would want to know what they owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: BB&T CORPORATION
State: AL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
BB & T closed my Credit card for no good reason. I have never been late with a payment and have often carried a negative balance on the card. I was given no warning of the closure.

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