vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
i keep getting constant phone calls from this company : CENTRAL CREDIT SERVICES, FROM PHONE # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company response to consumer: Closed
Consumer complaint received 2017-04-04 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
By mail, I received an offer to cash a check for {$2500.00}. The check looks legitimate but I have no interest in dealing with a bank I never heard of, Mariner Finance. They included a phone number to call to opt out of further offers but when I call they ask for my social security number that I did not provide. I received this offer through the mail with my correct name and address. That 's what they should have asked for so I am a bit suspicious .I also do not like that they sent a check that looks like anyone could have cashed it if it was stolen out of my mailbox.

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 2016-09-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIGY USA CORP.
State: TX

Complaint narrative:
when the debt was sold they never send me a letter stating how much was the debt sold for. I send the CA MAIN STREET ACQUISITION debt validation letter. They send me back copies, and I found numerous violations with account number no contact with main street identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello There, Commercial Loan Office From Rabo Bank Had Contacted Me Her Name Is XXXX XXXX To Refinance My Commercial Property, She Made All Kind Of Promisses Of Course Not A Single One Came Through. 
( 1 ) Loan Amount {$240000.00} ( 2 ) Closing Cost {$1500.00} She ordered The Apprasail {$730.00} I Paid For And Volunteerly Sent Me A Copy Of The Report Witch I 've Never Asked For. XXXX Called And Told Me Oh I Have Thee Best News You Have The Value And We Are moving Forward, Two Days Later She Calls And Said Oh We Only Can Do {$150000.00} NOT {$240000.00} I Go Why She Goes Just Because I Said No Just Return My {$730.00} Appraisal Fee I Have The Value I Have The Credit Its Your Problem Not mine. 

Her Manger Steped in XXXX XXXX And Said If I Move Forward With The Transaction They Will Credit Me The {$730.00} I Said Ok. 

I Was Contact By The Escrow office To Set Up A Signing Appointmet, I Asked Her About All the Term Of the Loan Come to Find Out That I Would Have A 5 years Witch No One Had Disclosed that To Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I currently have an open case through the CFPB XXXX case # XXXX against XXXX Bank. I opened this complaint on XX/XX/2016 and they responded back that they needed more time. Since then XXXX Bank has removed the negative items that 's appearing on my Experian and Equifax bureau and I 'm waiting for the item to drop off TransUnion. So already it 's been a month and XXXX days and I 'm still awaiting the outcome. On today XX/XX/2016 I received a harassing email from a debt collector stating that I owe this debt. I have no clue about this debt collector and they do n't have authorization on this debt or to contact me. Please find that I 've included the email with this complaint. I was never sent information before hand that this debt was sold nor did they contact me to see what 's going on. I 'm confused at this point and I do n't want any communications from this debt collector. I 'm working with the creditor directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
I was billed this amount even though I closed my XXXX accout before the next billing cycle. I do not owe this amount. I have talked to XXXX on several occassions. They agreed they would dischare the amount that XXXX do not owe if I resumed my cell phone service with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Utility company billed me for an account that I never had. I did not own, rent or have any business with the account service address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Optimum Outcomes, Inc.
State: ND

Complaint narrative:
I have disputed this account become I have XXXX. This account is n't mines. I have always had XXXX as an Insurance. By Law you ca n't bill someone who is insured by XXXX for out of pocket expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Convergent Outsourcing XXXX Convergent Outsourcing XXXX XXXX n't have the rights to collect debt in the State of XXXX ? They are not abiding by the XXXX accordingly to the XXXX of XXXX and they was suppose to remove themselves from my credit report by sending a letter stating to the XXXX XXXX XXXX that they need to be removed. 
" XXXX XXXX XXXX section XXXX which prohibits a third-part or credit bureau from engaging in debt collection in XXXX unless the third party debt collector has obtain a surety bond and file a copy of the bond with the XXXX of the XXXX of XXXX. Also, you can not operate in the state of XXXX with a P.O. XXXX '' I am in need of another XXXX to remove them from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
This debt was more than 7 years old the company continues to contact and harass me. I do n't owe this company anything. The debt that I had was through another company, I have asked them several times to stop contacting me but they still continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have XXXX issues with a collection on my credit report ( XXXX ). # 1 ) I have tried numerous times to get this collection off of my credit report and the company keeps selling the debt to a new collection agency so it continues to show up on my credit report ( proof attached from XXXX ) # 2 This debt is over XXXX years old and was included in my bankruptcy, which is supposed to make it to where the collection agency can not contact me. They continue to contact me to try to collect on this debt ( Proof attached from Convergent Outsourcing bill collectors. They should not be allowed to send me a bill nor put it on my credit report as a new collection. This debt is over XXXX years old and I would like the collection agency to stop sending me bills and remove the debt from my credit report. Credit report also shows collection was included in bankruptcy ( Proof attached ) Please help me because I have been dealing with this for about 7 years now and they will not stop selling the collection to other agencies. I would like it completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Convergent Outsourcing Inc. Is attempting to collect a debt claiming I owe XXXX XXXX but my account is in good standing with XXXX I literally used it to buy a bike less then XXXX hours ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I breached my contract with XXXX and paid every penny owed to them on the bill received in including the penalties, and the bill from XXXX was clearly stated " last bill '' because I also knew it was the last bill of XXXX dollars. My service was switched over XX/XX/XXXX to XXXX and my tablet had also been turned off also, and that was my doing. 
I recently received a bill from a certain Convergent Outsourcing , Inc. to pay another XXXX dollars. Seeing the XXXX name on the bill also, I called Convergent, who told me that I had to pay. I told them it had to be a mistake. So, I sent Convergent proof of everything. 
Well, they insisted that I pay the fraudulent bill, because that was the order received from XXXX. 
So, I decided to call XXXX myself to get to the bottom of fraudulent bill. They could n't even tell me how it came about after spending an hour yelling at the representative from XXXX, who was clueless about the bill, and yet insisted that I pay it. I even asked to send documentation to XXXX, because the first set of documents were sent to Convergent, not XXXX. XXXX refused to accept the documents to prove that I do n't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received the attached letter from Convergent Outsourcing Inc . I was shocked to learn that I owe {$210.00} to XXXX for an account I closed with no dues over XXXX years ago. I called XXXX to inquire about the claim of Convergent Outsourcing who were acting on their behalf. XXXX had billed me for a cellphone I never received and other charges. I had never heard from XXXX since I closed that account. I received no bill, I received no claim for charges on a phone. They have now pawned off a fake invoice to a third party collection agency who are impossible to get a hold off. Their is no real person available on their contact number and they have not responded to my email dated XXXX/XXXX/2015 stating my concerns. I feel very helpless and cheated and after a lot of research online I contacted cfpb. I am a XXXX and my credit score has been tarnished by XXXX 's fake claims. I can not apply for any sort of student loans or request grants owing to this. Please help me. I would be so very grateful. 

Thank you so XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have not received a resolution.. I have been in contact with CMRE Financial ( XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. This company placed information for my ex husband of 16 years on my credit report. I was told I had to provide divorce papers to have this taken care. The Notice of Entry of Judgement was emailed to them on XXXX/XXXX/16. I have been in contact with them numerous times and this still appears on my credit report. I did not received a letter stating they were taking it off, as they stated I would. Upon calling I was told it was mailed. I have now received a bill from them in my ex-husbands name at my adddress! They changed his address to mine. Now the CMRE states I MUST give them my SS # in order to get the letter sent to me. It was never mailed out. They do not need my SS # according to my attorney. They did not need my SS # in order to put this on my credit report. I want this removed from my credit report from all three reporting agencies immediately and I want the bill changed back to his address. I am getting no where with them and then when you become upset, they just disconnect you. I have called them six times and can not get a straight answer. A supervisor will not get on the phone and will not return the call. I do not know where else to turn short of taking them to court. I do not understand how they can just put something on my credit report, they did not ask for proof of marriage when they did. I have been re-married for almost 12 years now. My name is even different on my credit report. It should not be this hard to have incorrect information removed. I have filed disputes with the XXXX major companies as well. However it seems that I am doing all the work and getting no where. It was not my mistake and it should definately not be this difficult to fix it. I have no way to upload documents but I can email them to you upon request. I would appreciate any help you can provide.

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 2016-11-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
This has to do with XXXX collection agencies. XXXX, Convergent, and XXXX. They are all telling me that I have not paid debt in full. I do have Bank proof that I have made all of my payments. On XXXX I called XXXX several times to resolve this issue, and all they could do is threaten me with my Credit Report. Every time I tried to explain they again threaten me with Credit Report. I asked for XXXX 's phone number so I could talk with them and they refused to give the number. Told me to XXXX it. I have called XXXX and continualy and they tell me that it has been turned into collections and I have to deal with collection agency. One other thing I was told, was NOT to keep calling them. So I told them the same thing stop calling me all the time. I also asked to speak with a supervisor and was also refused this opportunity to speak with someone in charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
XXXX XXXX, works for evergreen profession recoveries. she is extremely rude, diarespectful, and deceitful. on numerous occasions I have attempted to resolve my payments by establishing a monthly payment that is possible for me, but if she does not like it, she makes threats about taking me to court and garnishing wages from my job. what I mean, is a different employee had offered me a certain amount to be paid per month and that was the best he could do, and the next hour she said changed it to a different amount. she went from saying XXXX a month to XXXX a month after 2 payments of XXXX. After telling her that was not feasible, she said " you know what, just throw everything to the trash. I 'm not doing anything for you. I will just garnish ur checks ''. bottom line is she is rude and disrespectful. and constantly makes threats and has no intentions of working with me when I am making an effort to pay them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Health Care Management Services, Inc.
State: GA

Complaint narrative:
Debt collector called trying to collect on a debt I had paid more than a month prior to the calls and letter. They began calling me before I had received their letter in the mail. I did not recognize the number and I was at work so I did not answer the call. They then called hourly for the next XXXX hours until I did answer. When I said " hello '', I heard the " ringing tone '' as though I was calling them or was being redirected. The lady who answered asked me to verify who I was. I said that, since she had called me, I would like to know who was calling me. She asked me again for verification. I asked her to identify herself. SHe mumbled her name quickly. I said " I 'm sorry, I did n't catch that. '' She again asked me to verify who I was. I again asked her to identify herself. She ended the call at that time. I blocked the number after that because it seemed shady. I later received their letter in the mail at which time I noticed that the number that had called me was for this collector. 

Additionally, the size and placement of the logo at the top of their letter makes it appear, at a glance, that the name of the company is " OHSI ''. This " OHSI '' is the largest and most noticeable thing on the letter. Although their actual name is listed many times throughout the document, the logo/placement could make it difficult for more vulnerable demographics ( elderly, etc. ) to search for and find this company online ( and consequently make it harder for them to identify who the company is in things such as the step of the CFPB 's process that asks users to identify the company ).

Company response to consumer: Closed
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optimum Outcomes, Inc.
State: AZ

Complaint narrative:
Original dispute case number XXXX Describe what happened so we can understand the issue ... 
I Have opened multiple credit disputes with XXXX # XXXX, XXXX and XXXX and others for the creditor XXXX Hospital for charges {$5200.00}. Items have been reported under the credit collection names XXXX, XXXX XXXX XXXX XXXX and most recently Optimum Outcomes. 
I am currently making payments thru XXXX Law Offices in, XXXX XXXX XXXX XXXX, XXXX, WI XXXX account # XXXX phone XXXX XXXX ext XXXX. I have asked for an itemized statement from XXXX Law Offices who refuse to give information saying that they only have collection orders for specific amounts which gives me no way to dispute the charges or to know if these charges are from XXXX Hospital, doctors, clinics or services rendered on the day I received service XXXX or what the real balance is that I do owe. Therefore I have made payments according to items reflected on my XXXX Credit report. which has changed multiple times based on information that XXXX, state collection and XXXX is providing them yet not me. 
I have receipts of payments I made for {$590.00}, {$390.00}, {$340.00}. {$250.00}, {$90.00}, {$52.00}. In the last 2 months my balance on XXXX for state wide coll has changed from {$390.00}, to {$300.00} and most recently now {$330.00} and have advised XXXX I will not send any additional payments until I get something in writing that this is my final payment and instead Optimum Outcomes charges are now added on instead. Also they refuse to remove items on my credit report as payments are made, I have to open a dispute with XXXX after each payment which takes 30 days for updates to my credit file with Equifax. even though I have made them aware of this practice. When I began making payments to XXXX Law offices, also collector for XXXX, under the name XXXX, I made payment according to what was reflected on my credit, yet XXXX advised XXXX of additional charges saying that balance XXXX reported on my report was wrong and the balance was then adjusted and XXXX allowed then to add more charges. Most recently, XXXX as of XXXX/XXXX/15 has allowed Optimum Outcomes to report the same {$5200.00} for XXXX Hospital, XXXX lump sum, again. They also added the tag charges disputed by consumer? I had no knowledge of who Optimum Outcomes was until I checked my credit report on XXXX XXXX. I have also disputed the charges for XXXX Hospital with XXXX under the name of XXXX and XXXX and XXXX removed these charges because XXXX can not prove the charges nor able to itemize charges for this total amount. 


Consent to publish the description of what happened? Consent provided

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: OR

Complaint narrative:
Constant robo calls during the day, starting at XXXX on the dot. Never a live human being. They call you to put you on hold for long periods of time during work hours. Last time I waited 45 minutes. They leave messages on my voicemail about debts when they have no idea what number it is or who it is ( since I have never been able to talk to someone ). I have never successfully connected with this company and getting tired of dealing with it, and have never been contacted by anything other then a robot.

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