BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-30
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A billing error occurred with XXXX XXXX. They were supposed to credit my account and did not. My account was sent to " collections ''. 

I received a mailed notice from Convergent Outsourcing stating that the notice was sent from a collection agency. 

My home received 15 hangup phone calls with no message left. My wife returned the call, concerned that there was some sort of issue. The man who answered the number stated that they were trying to contact me regarding a debt, but were NOT a collection agency. Thus, he lied to my wife. 

I spoke with a representative at Convergent Outsourcing who stated that their company policy is not to leave messages because they do not know if the number is correct. This is an admission that they call numbers they do not know to belong to the party involved. Further, they also stated that they are not a collecting a debt and that this is in " pre-collections ''. This is another lie as the letter I received states " This is an attempt to collect a debt ... ''. 

Lastly, The letter is from Convergent Outsourcing with an address in XXXX, WA. However, the return address is from XXXX with an address at a XXXX XXXX XXXX XXXX, MI. A third party is being used to attempt to collect this debt, which I believe to be in violation of the FDCPA. 

In the end, I spoke directly with XXXX XXXX and they apologies for not applying the credit appropriately and have rectified the issue. I am, however, livid with Convergent for spamming my house with calls ( with no message ), lying to my wife, lying to me, and using third parties to send notices and place calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I called into the company and gave nothing but my name told them I had called in recently and was attempting to find out how many accounts the company had for me. The representative who answered did not ask a single question to verify I was who I said I was, but she released my full name, who the account was with, and how much it was. This was a clear violation of my personal information. I then requested a supervisor to ask what the company 's verification process for protecting clients he as well released my full name, who the account is with and how much it is without any sort of verification either. The way this account has been handled has been absolutely horrible and makes me wonder if the fraud issues I 've had have stemmed from this company. If it was n't actually me calling in I have no doubt that someone would have my full name and the information associated to the account in collections. Upon attempting to reach the company prior to filling this complaint they have hung up on me three times when asking for a manager to settle this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX XXXX, XXXX. 's ( XXXX ) Attorney XXXX XXXX XXXX ( XXXX ) filed an affidavit in federal court pleadings, exposing my social security number today, along with my DOB and Texas Drivers License Number. I spent {$220.00} with a credit monitoring agency and food to work late on this. I missed my home cooked meal because of this. Is this just the start or does it end here. Anyone can see my social security number in cause no. XXXX on the pacer.gov website. Earlier today before all this happened I had called Capital One and asked to speak with XXXX XXXX who welcomes my questions or concerns and gave me number XXXX. But in reality the people who answer the phone never let you talk to XXXX and they just say you have to call the attorney. So it seems that XXXX is their agent in all the matters before us, in our common law, they are responsible for their agents. So when I call them tomorrow to ask them about their agent, who released all of my sensitive data out for everyone to see, are they going to tell me to call their agent XXXX, or are they going to talk to me? Who gave XXXX my social security number? Who is responsible for the breach?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
they all every hour I talk to each person telling them I have paid my det and to stop calling. but they will call back this has been going on for weeks now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Other

Complaint:
Since going on medical leave and unable to keep up with payments, have been getting robocalls from XXXX different numbers at least XXXX times per day, from both numbers, which amounts to up to XXXX calls per day including weekends beginning at XXXX Also have been getting emails about once a week. When attempting to answer the emails, they are 'donotreply ', and must go to website. I find these practices offensive and would like to simply answer an email. This is the first and only default on this account, and have been discouraged from answering in writing and being bombarded from calls almost every XXXX minutes on a daily basis, from XXXX creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Servicer : SPSLoan Number : XXXXProperty Address : XXXX XXXX XXXX, XXXX, CA XXXX : XXXX XXXX XXXXShort Sale Package was submitted XXXX/XXXX/2015. There is a foreclosure sale date coming up of XXXX/XXXX/2015. SPS is refusing to postpone the sale date, and they are refusing to submit the offer to the investor for decisioning. They are refusing to allow any sort of review on the file for a short sale. 

SPS is not delegated to make decisions on the file for the investor. By refusing to submit the offer to the investor and postpone the sale date, they are defrauding their investor and the federal government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Consumer finacial protection in XXXX location they say that money in ATM was not taking which it was and then it they called back saying it when but that envelopes are needed when other branches told me none is needed and I requested no address on my checks. I just do n't time or patience for this. Thank u

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: Green Trust Cash, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, I opened a letter from a TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that had been delivered to my home address. The letter indicated that " THIS IS A DEMAND FOR PAYMENT '' and asserted that I had an outstanding balance with a Green Trust Cash in the amount of {$350.00} principal, {$200.00} interest, and {$120.00} in fees. However I have had no financial dealings with any such company. Over the summer, while I was out of town on vacation, I received an email from my employer informing me that representatives of a Green Trust Cash had called repeatedly attempting to verify my employment and were extremely rude. There were also a number of messages on my home answering machine from a variety of companies allegedly attempting to " verify the application I submitted online. '' However, I made have made no applications for any type of credit online ( or anywhere else for that matter ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced with Quicken Loans last year. They apparently greatly under estimated my escrow by over {$1500.00}. If I do not pay the total shortfall my new monthly payment will be over {$2300.00}. This is more than I was paying with my previous mortgage company. I do n't believe the tax value on my property increased that much to have missed by such a large amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am being contacted by XXXX XXXX XXXX about an account that is not mine. I have advised them several times that the account is not mind as I am a victim of identity theft. I have filed a police report can advised them of the same. However, they continue to contact me by phone and harass me into giving them a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
XXXX I lost my wallet a couple of months ago, I must have thought I contacted capital one 360 's department about my stolen bank card. I was asked the other day ( by my boyfriend ) what ever happened to that return ... Apparently I had contacted everyone else but capital one 360 about having lost my wallet ... 

Capital one 360 is supposed to be zero liability. I was essentially accused of lying about my card being stolen because it was reported late, I had reported other activity ( mind you I believed I had reported losing my card ), the medications make me confused. Capital One 360 claims ZERO liability during it 's advertisement. That is completely false!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I opened an account with Barclay card one year ago and I have never been late on a payment. All of a sudden, Barclays has charged me a fee of {$500.00} as interest, running my account over the limit. This action represents the greatest threat of default on the card. It is bait and switch predatory lending in its worst form.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Walmart was running a promotion on a credit card. Save {$35.00} when you open a card and use it for your first purchase. I applied and got granted the credit card and bought my first item on the same day. They are not honoring the promotion due to what they say " It is policy to use the promotion on the same day of opening the card. Due to the fact that your purchase was made on XXXX XXXX and payment was processed XXXX XXXX we cant apply the promotion ''. 

They wont honor the promotion even tho i opened the card at the time of checkout and used it to purchase an item on the same day because it took them 5 days to process the payment. The Item was ordered and Payed for using this new credit card On XXXX XXXX 2015, however they decided to process the payment on XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I got the account on XXXX XXXX, XXXX. I did not intend to sign up for the card.One of the employees closed my account without my consent. I had expressed my concern about the account to the employee. She told me that closing the account will not be possible until the balance is paid off first. She told me to call back in a few days to confirm about the account. On XXXX/XXXX/XXXX I have n't paid the balance off yet because I have n't gotten the statement in the mail and I just received a letter saying the account is closed.I have yet to get the actual card in the mail also. We never confirmed anything and there was no talk about a letter coming in the mail about how the account is closed. Not only I got my credit pull for the card, I now have to worry about a closed account with a balance ruining my credit score. I will be paying the balance off tomorrow morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Other

Complaint:
I have been 30 days late a few times on my walmart credit card ( Through synchrony bank ) and I have phone records where the have called me 6-7 times a day ( including sundays ) for days upon days. I have told them to stop as it was a violation of law and have been hung up on.

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 2015-12-22
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had previously filed a complaint against Flagstar Bank back in 2014. You should have that complaint on file. Since that time we have gotten no where with the bank. The home was vacated in 2014, we tried to do a cash for keys, a deed in lieu of foreclosure, and a short sale. No one from the bank would answer me, the realtor selling the home or our attorney. We had XXXX offer and the bank would not respond. They just continued asking over and over for the same documents. Once they were sent they would wait a few months and then say they needed new ones or claim they were never relieved. These documents were sent by myself and the realtor. All to no avail. I see a settlement was reached with Flagstar but I see no difference in their mortgage servicing practices. They give me a phone number, but no one answers that phone, you leave a message and no one ever returns your calls. Then every six months or so they send me a new letter and claim they are closing their file because I did not provide them with the information they requested. This is just not true, everything they ever asked for was sent. I also complained to the attorney general in the state of MI, but they referred me to your office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Paypal Holdings, Inc
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
In XX/XX/XXXX I used my XXXX credit card to pay for my severely XXXX son 's XXXX for {$800.00}. However when the provider ( XXXX ) processed the payment, they did so using XXXX different transactions and using a name I did n't recognize ( XXXX ). The next month, not recognizing the vendor name or the amounts on my statement, I disputed them with XXXX. On XX/XX/XXXX the provider contacted me about the charges. Finally realizing my error, I called XXXX back and they immediately re-ran the charges. Those charges showed up as having been charged to my credit card on XX/XX/XXXX. On XX/XX/XXXX, I received another call from the vendor demanding that I write a check for the missing money or my son would n't be able to finish the term ( even though my credit card statement clearly showed the charges and XXXX verified them ). I wrote them the check which they cashed. XXXX uses PayPal as their credit card processor and since XX/XX/XXXX XXXX, who has taken the lead on advocating a resolution with PayPal, has initiated XXXX calls with me and PayPal. On each call we have been told that the money is at PayPal but has NOT been transferred to the vendor 's account. As of today, it still has not funded even though on the XX/XX/XXXX call PayPal assured us that it would be funded by XX/XX/XXXX. Because I paid for the XXXX session XXXX ( even though XXXX has only received the money XXXX ), I did n't have the money to pay for the summer session and XXXX removed my son from the program. Because there are lots of other special needs children on the waiting list, XXXX will NEVER get his place back at XXXX. I believe that PayPal has been holding these funds, while I have been paying interest on them, since at least XX/XX/XXXX. Unfortunately, I ca n't afford to float this kind of money and neither can XXXX, which is a small volunteer-run non-profit organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Other

Complaint:
I applied for a secured credit card through capital one XX/XX/2016 on XX/XX/XXXX-XX/XX/XXXX. As of XX/XX/XXXX I was told my card was mailed out through an email and when I called in the rep told me my card was mailed on XX/XX/XXXX. I was told many times to wait 6-10 business day after that period I still did n't receive a card and was frustrated due to the long wait. I called 3 more times and asked if they could over night or send another that I have to sign for and was told they could through XXXX rep which he then transferred me but then I was told they do n't do that. Supposedly they send a XXXX card and cancelled out the first and I waited again 2 more weeks and still not XXXX of the XXXX cards came. I called again and asked for the cards and the account to be cancelled completely and for my security deposit back which was {$200.00} that was taken from my checking account in XX/XX/XXXX XX/XX/XXXX ( it cleared ). The rep said he 'd cancel the overall account and I spoke to many managers and supervisors and here it is XXXX XXXX 2016 and I still have received neither of the cards they claim they sent or my security deposit check. I 'm worried because I 've read their reviews and it seems as though this may be common with capital one. I do not want to be ripped off for my money that I need and it 's mine to begin with. So if someone can please do something about this and stop companies from deceiving customers I 'd appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: RIA FINANCIAL
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent an International online money transfer using Continental Exchange Solutions Inc dba Ria Financial XXXX in the amount of {$1000.00} ; they charged a {$7.00} fee for a total of {$1000.00}. Since I sent it to my own Bank Account abroad, since I could track the actual amount received by my Bank there, I realize that Ria Financial XXXX did not send the whole amount ; my Bank received {$980.00} and they applied the official exchange rate of XXXX XXXX = XXXX XXXX Dollar. Ria took {$12.00} out of my money and concealed it, using a lower exchange rate of XXXX {$2900.00} = {$1.00} 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 2016-01-28
Company: AFNI 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 resulted from identity theft

Complaint:
I discovered a fraudulent debt on my credit report in XX/XX/2015. At the time I was told by another debt collection agency that the account would be canceled and sent back to XXXX XXXX. Now, AFNI has received the XXXX assignment again and they have illegaly credit reported this to my credit reports. I am in the middle of financing a home and this is causing me significant damages if it does not get resolved IMMEDIATELY. I have a police report and fraud affadavit that has this account listed as a fraudulently opened account and demand this item be removed from my credit report. Should I suffer any damages from AFNI 's willfull negligence in credit reporting this I will hold them liable for everything I will lose including my earnest money deposit and less than prime financing terms that they are going to be causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Continued calls to boss at workplace after alternate number given, threated sheriff to come talked to boss about garnishing washes after 60days late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have discovered and notified OneWest Bank pursuant to XXXX XXXX XXXX, that the Assignment of Mortgage on my loan was was robo-signed by serial robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. I also requested OneWest Bank to investigate pursuant to XXXX XXXX XXXX. OneWest Bank has failed to respond and acknowledge the robo-signed Assignment of Mortgage that they are attempting to use in a foreclosure proceeding.

Company response to consumer: Closed