BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-03
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
CONVERGENT RESOURCES continues to call my home trying to collect on a debt that has long since been paid. Judging by the other reviews of this company I have found online, this is a common practice for them and is likely some sort of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
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:
CMRE Financial Services is, apparently, a collection agency. I received medical services and my insurance was billed. I received a bill for {$100.00} but knew that I was covered for it by insurance. I called the medical provider and they said to just wait, the insurance had been billed. The was the last I heard of it. I assumed that the medical provider had been paid as I never received another bill from them. Sometime later, ( 1 year or more ) I received a bill from CMRE for the same {$100.00}. I called and asked what it was about. They said that insurance had not paid and I was liable. They NEVER said that they were a collection agency. I thought they were a biller for the medical provider. I still believed that my insurance should have paid the {$100.00}, but felt that it would be faster & easier to just pay it. I did not want any derogatory information to appear on my credit report. Now, another year has passed, and it seems CMRE was/is a collection agency and the payment has affected my credit. I would never have just paid it, if I knew that. I would have gone directly to the medical provider and hashed it out with them and my insurance company. In short, I should not have a " collection '' account on my credit report as I was tricked into paying them in lieu of fighting the charge with the medical provider.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
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 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 2017-02-06
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was denied having my loans consolidated for years. I was repeatedly told subsidizes and unsubsidized can not be made XXXX. Therefore I have n't been able to make my payment and remains forebearance accruing interest on XXXX accounts at 6.6 percent interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I switched from XXXX to XXXX back in XXXX 2015 and switched XXXX lines I had with XXXX. XXXX agreed and plan was to pay any early termination fees or cell phone fees owed to XXXX just to transfer to their company. After I changed all XXXX lined to XXXX, the rep told me I needed a bill from XXXX showing all XXXX lines remaining balance owed for each phone. I right away took in the XXXX bill which showed the balance for each line. The rep that assisted me that day denied the bill. He said the bill must also show the phone numbers for all the numbers. The bill only shows the last XXXX numbers I believe. XXXX should know I transferred XXXX lines from XXXX and the bill shows XXXX lines, it 's a no brainer! I left and asked XXXX to print me a bill that displayed the phone numbers next to the balance owed per line. XXXX mailed me a bill that was pretty much miring the last bill. This went on for months, back and forth with XXXX and XXXX. XXXX kept rejecting my bill which they would n't process for payment, which meant I could n't pay the balanced owed on my XXXX account. XXXX would n't print the bill in the format XXXX reps were requesting, even though when I would call they would say they would do it but when the bill came in the mail it was not in that format. I was so tired of the calling game to XXXX trying to get the bill the way the XXXX 's rep was requesting, mind you, XXXX never tried once to submit the bill to see if it would get processed and paid. Then XXXX day I get a letter stating I was sent to collections. I was devastated, upset, in shock, etc ... I have XXXX, and instantly it made my XXXX and I got really ill. I was sick in bed for almost a month, till this day my XXXX but I can work. I have so much XXXX that I get XXXX everyday. It 's just not right! I own a home, so for me/us it 's a big deal because if I/we want to refinance, it will have a big impact due to my credit score dropping due to the negative mark given from XXXX. I trusted XXXX blindly to pay XXXX for the balance of my XXXX phones timely, that 's why I switched with no worries! 
I was treated unfairly and wrongfully by XXXX and XXXX. I strongly feel this negative mark should be removed from my credit score because I did n't do anything intentional or wrong. I was doing everything I was supposed to do and did everything XXXX and XXXX instructed me to and timely. How did that lead me into collections? That is just so wrong! Please help me! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: PNC Bank N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I met all of the requirements for a {$200.00} bonus from PNC bank and now they are not honoring the offer. The offer stated that the bonus would be paid " within 60 days '' from the date that all of the requirements were met. I have an email from PNC dated XX/XX/XXXX stating that all of the requirements were met. I called them last week and spoke to a banker named XXXX at the branch where I opened my account at XXXX, XXXX, MO XXXX. He told me he needed to contact corporate office and would get back to me. When I spoke with him this morning, he stated that I would not be receiving my bonus at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in XX/XX/2022 the utility company XXXX XXXX XXXX XXXX XXXX XXXX TX, send me to collection for a bill of {$130.00} that was not paid. I never lived at that address and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies and 2 of them already removed this from my credit file. But this late payment keep showing up on my Experian Credit report. I will appreciate that Experian remove this from my credit file.

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 2015-08-27
Company: Alliance One, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I just got a call from a collection agency at XXXX on XX/XX/XXXX stating that I owe $ XXXX to XXXX County Florida for an automobile-related ticket in XX/XX/XXXX. It is currently XX/XX/XXXX. That means that they waited seven years to collect a debt I was completely unaware of. The original debt was {$10.00}. I should n't have been able to renew my license or vehicle registration with any outstanding balance. I had no notice that there was a debt owed. My XXXX credit score that I have worked hard to build is going to be ruined for seven years over {$27.00} that I would have paid seven years ago if I knew it was outstanding. I think this a complete oversight on the part of XXXX County. I ca n't imagine it is legal, and it is certainly unethical, to send someone to collections without notice over a supposed {$27.00} debt that was owed seven years ago. My credit is extremely precious to me. I 'm outraged to say the least. I would pay XXXX County Florida literally thousands of dollars not to trash my credit for the better part of the next decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
How are you doing, and hope all i well. I had posted a comment before about PNC bank, and how they have not helped me with my disputes. They actually recently reversed a {$210.00} dispute, and now I am - {$930.00}. This is ridiculous for real, these banks do whatever they want to you and your account. They charged me {$7.00} up to {$92.00} for not having positive funds. Because of their judgements I have defaulted on student loans, late on rent, and just been hard with no funds. I reported that my debit card was compromised by my nephew, and he took all those funds out my account. I reported it to PNC, and cancelled my debit card for a new one. They later said after like 2 weeks that they could n't do anything for me, because my nephew knew my pin somehow. I understand that, but I never gave him my pin and he must of seen me withdrawing money and saw my pin digits. And I never thought in a XXXX years family would do this to me too, and I filled out a police report on the matter and nothing. This is very upsetting, because I live day to day and do n't make a lot of money. Its sad to see a huge bank not help you at all, or just make their own decisions on your matters. I do n't do claims or disputes for fun or a living. I actually think its embarrassing, and upsetting you have to call your bank for this, and when you do they do n't do anything for you, but if you owed them money you ca n't let them wait or make your own judgement on the matter. They sent me latters in the mail saying the transactions were just, and the atm film too. How does that even make sense? They are not just, because I reported them to the bank as fraud. It 's only like {$1000.00} not a {>= $1,000,000}, and that money was for my everyday survival. It 's sad to see a bank like this not help its customers the way they should, and I think these banks get away with anything they want too and that 's not fair to us the people that keep these banks running with our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: CONTRACT RESOLVE GROUP LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX XXXX of Contract Resolve Group L.L.C. in XXXX, Texas wo n't let up. He is slandering our name and business all over the place. Calling my boss at my job, calling our landlord and other people who have nothing to do with this bill owed and telling them how much we owe. This should be considered unfair practice. This debt owed is no one else 's business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: PNC Bank N.A.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Please refer to the previous case with " Case number : XXXX ''. I finally decided to close the PNC virtual wallet bank account for all the troubles that i have gone thru. But they keep on giving me hard times. 
1 ) First they tried to charge me {$25.00} as early termination fees - telling me that as i am closing the account in less than 180 days - they will do so ... even when it was well beyond 180 days of having this account. Later when i told them ... they did n't charged me anything like that. 
2 ) Since XXXX XXXX 2015 - i am communicating to them to close the bank account. But they are arguing and wasting time and not doing what is needed. I told them that i have already moved my funds out and I want to close the account. Did repetitive follow ups but no +ve steps from their side to close the account. Further they once again charged me lower balance fees ( around {$15.00} ) even when i told them long time back that this account needs to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have gone through a divorce and my income has been severely reduced. I reached out to PNC Bank to inquire about getting some type of relief via a forbearance and was not offered any assistance. I have not been able to make my payment for six months and PNC refuses to negotiate with me and worse yet is charging me late fees every month. I have listed my home for sale and informed them of this as well. I am hoping you can help me to get some type of relief with PNC. I would like all fees waived and credited and for them to see if any type of relief is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a Loan Modification from XXXX on my home in Georgia in XX/XX/XXXX. XXXX transferred my loan To Select Portfolio Servicing but my modification was not transferred. I was in bankruptcy at the time and the judge had to approve my modification and he did. SPS offered me the opportunity to get a modification in XX/XX/XXXX. I sent SPS a copy of my modification in return they sent me a letter stating that I withdrew my account from the modification process. I did not. I would like for SPS to acknowledge my modification because it is valid. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Mortgage representative, XXXX XXXX, with Quicken Loans specifically told me that my refinance loan would be locked in at 3.5 % with no points or closing costs. When I got the paperwork it showed 3.75 %. I have the emails and message board showing his promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
First, I will start with  XXXX   XXXX . I applied for and was approved through this company for student loans,  whichI thought w as great since I was on my own - but did not realize how negatively the rates I was approved for would hurt me in the future. When I would call to lower payments, I was absolutely convinced that forbearance was the way to go, I was n't making nearly enough money to afford these loan payments. Again, I was trying to do this all on my own as a young adult and did not feel as though all options were presented in an order that would be most beneficial to my future. Gradually, my payments keep increasing, and all this time I thought I was just stuck with this . Navient then too k over my private student loans from  XXXX   XXXX . I recently logged in to the website and noticed that the interest rate I am being charged is higher than was  XXXX   XXXX  was charging, and still my monthly payments keep increasing. If they were just taking over my previous loans, how can the interest rate be higher??

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: BB&T CORPORATION
State: GA
Product: Credit card
Issue: Late fee

Complaint:
BB & T received an electronic payment on my account. On at least XXXX occasions, they took excessive days to post the payment, making the account past due and thus charging a late fee. XXXX instance was 9 days ( 6 business days ) ; the other was 13 days ( 8 business days ). They refuse to waive the late fees saying it takes several days to post payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am being charged overdrafts fees for transactions that I should n't be. I should only be charged for XXXX overdraft fee and that is when I withdrew {$80.00} from the atm because I have also been having issues trying to get a debit card sent to me. When I withdrew {$80.00} I had money in my account but it was n't enough so that is the only time I should get the fee. Well BB & T decides to process my transactions in the order they want so I occur more fees instead of the order I used my card. So as of XXXX overdraft fees were {$100.00} when I called the customer service line she was supposed to credit XXXX and have a supervisor call. Well today XXXX XXXX 2015 I see I have another overdraft fee for {$72.00} because they charged me {$2.00} for calling them. I called back and was told XXXX thing from customer service and when I called the Branch in XXXX VA off of XXXX XXXX, XXXX told me something different. She also told me a Manager could not help me. I want this taken care of before I get my job to direct deposit my check. I should n't be charged almost {$200.00} for nothing. The only time I used my debit card to overdraft was XXXX time only and that was the last time I used it. If I did n't do that last withdrawal none of this would be happening. Its sad banks manipulate the way they post transactions to occur more fees for their clients.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Green Trust Cash, LLC
State: NH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan from them thinking it was legal. After looking into my state laws they could only charge me 10 % they were charging me over 600 %. Violation in state law. I am protected under state and federal law. I do n't have to listen to no Indian tribe. I went to an attorney and they did n't respond to his request so he advised me that it is illegal and I do n't have to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have several incorrect addresses on my credit report. Equifax says I have to supply my driver license, utility bill and proof of address. I subscribe to Equifax 's credit monitoring. They know exactly where I live and how long I have lived there. This is just a stalling tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; This is XXXX XXXX 's SECOND response to following SPS compliant responses : I suspect that I would not be in default of my mortgage today if XXXX XXXX XXXX had execute a market principal reduction in engineering my XXXX modification. 

I need a review of what maximum principal reduction that have been in XX/XX/XXXX. I received no principal reduction in XX/XX/XXXX. Why did n't I receive a principal reduction in XX/XX/XXXX when the house was on the market and would not sale? Why have a had to pay a mortgage based on an above market value for 8 years? We should have sold the house short in XX/XX/XXXX for {$650000.00} or modified the house for XX/XX/XXXX. 

SPS appears to lack the capacity of willingness to remedy this situation. I was defrauded by XXXX at the origination and manipulated into an uneconomic modification by XXXX XXXX XXXX. 

The original Mortgage would not have been underwritten if the fact that the taxes were higher than the P & I. This was also compounded by including XXXX-XXXX mortgages. 
I have resolved the XXXX-XXXX mortgages. XXXX from XXXX and XXXX from XXXX. 
I was living in XXXX XXXX at the time. 

The XX/XX/XXXX modification by XXXX XXXX XXXX did not offer a market principal reduction And once again did not disclose the uneconomic engineering of the mortgage. That is that the P & I was lower than taxes. Please review the attached proposal from SPS HAMP competition. 

Recommendations : I receive my original down payment of {$200000.00} plus interest. 
I receive {$200000.00} second mortgages payoffs. Plus interest. 

Sincerely, XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hi my name is XXXX XXXX XXXX I am with.Sps serviceing loan I have been dealing with them for months sending in paper work trying to get into the modifiction and home save program. TO Save my home they have strong me along.. now they telling me and my daughter that they ca n't put us in the modification programs or the harp my husband is decease he was a veteran of the XXXX can any XXXX help me to save my home we do n't have a lots of money we are just the average working person we got into that supreme loan scam I have been fighting since 2006 to keep my home all my retirement money is in this home please help me. Thank you why send in. All the information and then they not help me why? My husband is a decease veteran I am his spouse.. 
Please help me and my daughter. Keep our home. Please I was at the XXXX counseling office one day a woman who has the same as me they modified hers mortgage to {$800.00} dollars a month what joy I was hoping to get the same help not so why they held me on and had me thinking they was going to help me? I 've sent in all the information that was required for the the modifiction or the harp program why? Now they say that they wo n't give me the modifiction or put me in a program that will help me save my home please help thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation