vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 resulted from identity theft
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I keep getting calls from Convergent a debt collector about a past due bill with XXXX. I do have services with XXXX, but my account with them is valid and not late. Now my oldest son opened an account with XXXX in my name without my consent and I 'm assuming this is what the delinquent account is for. The amount is for XXXX. My current account number with XXXX cable is XXXX for XXXX where I have reside for the past 14 years and this account has been opened for the past 4 or five years. The XXXX addresses that my son lived at was XXXX, AL XXXX and XXXX, AL XXXX. Again I 'm urging this company through this site that I never lived there nor did I give my son permission to open these accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 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: NY

Complaint narrative:
I am being charged for a XXXX phone account I did not open or my information was used to do so. I can not recall my approval to use or release my information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
This debt collector calls at least 3- 4 times a week for at least the last 2 years. It is a robo call with a woman 's voice stating it is a debt collecting agency asking us to return their phone call. The only debt I owe to the bank is my mortgage payment & we have been up to date with our monthly payments. We have no credit card debts as we always pay in full every month. Our FICO scores are between XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 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: Harvard Collections, LLC
State: IL

Complaint narrative:
This debt was resolved in a court case and they had an opportunity to collect payments from child support which I was recieving through their office. However, is over 20 years old I do n't agree with. This debt was n't an issued until after I settled for a lump sum child support payment through their office. If I owed the state why did they issue my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 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: TX

Complaint narrative:
I am filing a complaint on Convergent Outsourcing as they have added back an account that was paid in 2013 to XXXX I requested that collections be ceased at this time as I provided information to the XXXX credit reporting companies that this debt was paid. This XXXX account should be deleted from my account and Convergent Outsourcing must cease collection actions immediately.

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 2016-10-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
I was admitted to the Hospital on XXXX/XXXX/XXXX. I received a collection letter in XXXX XXXX for {$400.00} for XXXX from collection agency " CMRE Financial Services XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ''. I contacted the agency and told them the hospital had never heard of or had any relationship with this radiology company furthermore all services ( my co-pay ) were paid for before discharge and XXXX XXXX paid the balance in full. I have repeatedly ask for a bill over several months and never received XXXX. This is obviously a fraud and both the collection agency and XXXX are involved. CMRE has placed a collection on my credit and has caused my credit score to drop over XXXX points. We are in the process of obtaining a mortgage and is causing unnecessary cost as far as fees, mortgage rates and explanations. I have without a doubt shown CMRE that no such medical bill exist, but I am sure they already knew that. I need this corrected immediately to prevent extra thousands of dollars in my new mortgage.

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 2016-10-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: First Choice Assets LLC.
State: OH

Complaint narrative:
Constantly calling regarding an account I have n't been contacted about since I closed the account. Saying I still owe money and when I asked for a copy of the bill, refused to send it multiple times and then it finally came in the mail. This is a bill from over 4 years ago that I know I had paid and closed after looking over the information. The calls stopped for about a month until today when the supervisor was getting very hostile and basically stating in simpler terms that I 'm being lazy and not wanting to pay the bill all because I 'm not giving them my card information over the phone considering I 've had my information stolen before from a previous card of mine. I 'm sure I 'm not the only person who has had this similar issue with this company. They 're very unprofessional and rude. Coming from a person with a business degree, that 's the perfect example of bad business and is liable for that company to not receive anything due to their attitudes.

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 2016-04-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: NH

Complaint narrative:
While in the XXXX room at XXXX XXXX XXXX, I signed a form to use indigent funds for I had no insurance or job. they kept me in XXXX overnight. That is where this {$450.00} charge is from. I was unaware they were going to charge me especially after they told me the government fund would take care of my charges. I never would have stayed if I had known. Incidentally, they found nothing wrong with me and I had to go to my pcp to get treated. This collection is on both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I had an account with XXXX several years back that had been closed and now I get a open report back on my credit that states that 's on have an open account with them again that 's in collections this item was previously deleted off of my report I need help with this matter I 'm trying so hard to rebuild my credit to purchase a house this just made my score drop drasticly. I 'm trying to stay on the right path and do the right thing then this happens why are they reporting something that was charged off and closed once already. Please contact me at either XXXXXXXXXXXX or via phone at XXXX XXXX XXXX thank you for your prompt attention to this matter hope to hear from someone soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 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: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
In order to move my cell phone XXXX to my Son 's account, we had to pay the balance at XXXX XXXX XXXX before they would release the number to be transferred to XXXX. At one point they said my account was closed and we could n't get the number back. The account was paid and we got the number back and XXXX activated my number under my son 's name XXXX XXXX. You may call me if you wish to verify. 
XXXX XXXX XXXX is notorious for their billing mistakes which wastes our time and money getting them settled. It seems clear that they sold my account to a collection agency right after i paid my bill in full and left them after years of being a loyal customer. My Son left them years previously because of billing disputes when they were XXXX. Turns out that they suspended his services because he went over their limit by {$6.00}. After weeks of discussion with their presidents office, it turns out that he was over because they did n't give him his XXXX % discount for bundled services. SO WE REALLY ARE NOT SURPRISED! 
XXXX

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 2016-07-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX, 2016 I received an alert from XXXX stating that a new collection account was added to all XXXX of my credit bureau credit reports. I saw the name of the collection agency and I never received anything from stating that they were collecting anything. And also they are collecting for XXXX and I never had XXXX. If they would have communicated with me I would have been able to dispute the collection and send them the police reports and FTC affidavit. I have been victim of identity theft and this is another account that is part of it. I have attached my police report and FTC affidavit which includes Convergent Outsourcing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I have been getting numerous calls from XXXX over the past month 4-5 times daily. I would normally ignore the call because i am unfamiliar with the phone number. The times i would answer the call no one would respond, what would happen is that the line becomes silent and then the phone would hang up. I was a bit curious of the person that could be calling and wondered if it was someone who probably changed their number or probably just an important call and so i decided to dial the number on XXXX/XXXX/XXXX after which a female voice answered and said " Is this XXXX XXXX '' so i responded and asked " Who do i have the pleasure of speaking to '' the female voice kept asking if my name is ... ... ... .., to which i responded that it is only mannerly to introduce yourself and say what you are calling about, the person still decided to kept asking me to verify my name, address, and last XXXX digits of my social, I did not verify my social but i gave my name and continued to asked what was the reason for calling but the person kept asking me to verify my address and my SSN to which i did n't. They eventually started to tell me that this is an attempt to collect a debt since XXXX and if i was ever an XXXX customer. they still refused to give me the name of the collection agency they represent and kept saying i owed {$100.00}. I told them sorry they have the wrong person because i never was indebted to a XXXX. However i told the person not to call my phone ever and i will report this call. she ended by saying that this will go to dispute. I can say with all conviction that my credit report does not indicate i owe an XXXX and i am convicted that this is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 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: HW Holding, Inc
State: LA

Complaint narrative:
I rented an apartment at XXXX. I completed two different leases with them. One for 15 months the other for 12 months in XXXX different apartments. I paid to transfer to a bigger apartment. I was forced to sign a new lease without even seeing the new apartment. I had a good history with them so I did n't think much of it. I was n't aware that the apartments were now under new management. The apartment smelled of animal urine and mold/mildew. The air conditioner did n't work. The stove also did n't work. I was forced to live in this apartment for weeks with no A/C in the summer. I asked management to address these issue numerous times and was ignored. My son has XXXX so I could not live there any longer. I moved out because they did not hold up their end of the lease by providing me a livable apartment. I had to look out of my son 's health.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have a XXXX dollar debt with team mobile. Not understanding the why this debt shows I still at this present have a open account with XXXX for over 5 years. Not only for phone service but the devices Such as iPad and other phone devices.. Also knowing that if I do n't pay monthly bill my service would be suspended. So if I owed this amount off XXXX dollars why am I still a existing customer with them. DO N'T GET IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I am a XXXX and currently a graduate student at the XXXX. I was trying to book an Air BnB but was prompted at the end of my booking that it could not be processed. I was well under my credit limit and had just recently paid my Barclay credit card. I called Barclays on XX/XX/XXXX ( US ) and was told that I only had {$270.00} of credit available. I assumed that my card number had been compromised and unauthorized purchased had been made. However, the representative told me that my credit limit had been lowered by {$700.00} due to information they received on XX/XX/XXXX ; therefore they dropped my credit limit that day. The fastest response time I 've ever seen. It takes 45 days to get a response to a complaint. The said they send a mailing to my address on file and that would have taken 7-10 days. No call, no email, not express, and no XXXX message ; as I had been in contact with Barclaycard 's during that time via XXXX and they were accessing my account information. In the last two weeks, I had a reimbursement put on my Barclaycard that was {$900.00}. Nonetheless, the manager I spoke to said this was a 'credit ' and not a 'payment. ' As I explained, I am overseas and was trying to avoid the time-consuming hassle of getting the payment in cash depositing it in my XXXX and then transferring it to my U.S. bank to make my monthly payment. They said I still needed to make a 'payment, ' so I made my monthly payment as well. The same day they replied to my XXXX message complaining about the customer service was the same day they lowered my credit amount. Barclays had just received XXXX the monthly minimum the same month they reduced my credit by {$700.00}. I could have just as easily nickeled and dimed them with minimum payment or taken that 'credit ' in cash but I was responsible. I raised a fuss on social media and had my credit downgraded. My credit rating had been steadily rising in the last year to around XXXX when they decided to lower my limit. I have XXXX credit cards including the Barclay card with a balance of around {$450.00} and a previous credit limit of {$1600.00}. I also have student loan debt like everyone else. I 'm unclear what this credit report could have said when I have been on top of my payments, and my credit score has been increasing each month and each year for the past two years. My ability to access Barclay via the app for the last 7-10 days has been nonexistent or significantly limited en=ven though my app is up to date. My XXXX address is XXXX. XXXX XXXX XXXX. I am currently living at XXXX. XXXX, XXXX, XXXX XXXX. Any paperwork they have sent has not arrived and I have received no information via email, app, or XXXX.

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 2017-03-12 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: IN

Complaint narrative:
To start off with I checked my credit report and got a notice of collections saying I owe {$730.00} to CMRE financial services which contains medical bills but I was XXXX for over XXXX at the date of the collection. My medical is completely covered by XXXX XXXX and I go to a on base facility. I 'm not paying for a bill that I never incurred let alone never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Firstsource Business Process Services, LLC
State: MD

Complaint narrative:
Took out a loan thru the school now I found out the school has closed and I am unable to continue earning my XXXX degree. My credits will not transfer and I am stuck with the bill they did not offer me any refunds

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 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: TX

Complaint narrative:
I continue to get debt letters from a company called convergent outsourcing inc account number XXXX that I have no knowledge of. It appears to be from XXXX and I have never had a XXXX account. I have attempted to dispute with credit bureaus but it does not seem to have made any progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I had an account in collections with Optimum Outcomes. I paid the account and they continue to report the unpaid balance on my credit report. This has caused a negative impact on my credit score and report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: EMBRACE HOME LOANS
State: FL

Complaint narrative:
I received an unsolicited loan offer in the mail and noticed a statement at the bottom that appeared ( but did not state so ) to be a consumer warning that offered an opportunity to opt out of unsolicited credit offers. When I called the number, the short message sounded official but I was immediately asked to enter my social security number to proceed. I did not because the recording did not identify who exactly I had called.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Over the last two plus years I 've received phone calls from CMRE, a debt collection company claiming I owe a hospital bill, but they will not provide me with proof. They 've called from numerous phone numbers in an attempt to disguise their identity when they call. I had not heard from them in close to a year, but they have begun to call again. The last phone call received was XXXX/XXXX/16 from XXXX.

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 2016-08-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Payment arrangements were made for a XXXX account that was wrongfully sent to collection agency ( Convergent Outsourcing ) for the XXXX of XXXX and XXXX ( see attached bill notice password " XXXX '' ). 

Representative XXXX XXXX took it upon himself to process the payment early without my permission ; withdrawing {$380.00} from my account unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX repo my boat and never gave me a change to get it back. The sold the note and recoveries to XXXX XXXX. A year after they sold the rights to the vessel they came back on me a put a Final Judgment in the state of XXXX after selling their rights to collect on the note. They also sold the vessel in XXXX not to comply with XXXX Statues. XXXX came back after to put another Judgment on me for the same note.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
The first month my first monthly payment was due to my Barclaycard account, I assumed it was an honest mistake that my statement did not arrive to my address and dismissed it.This became an ongoing problem, as I at no point in time chose paperless billing for this account, and confirmed it when I once again called to make an over the phone payment, and have a late fee removed. I thought my mail was being misplaced by my family, and took action to enroll in text alerts in regards to payment due date. To this day I receive absolutely no mobile alerts in regards to my account, and accessing my account on my application, or on the Web seems to be impssible as it is always down. I have only received statements when requested by phone with a live operator, and when my account has gone past due status. I am hounded over the phone when the company has not received payment, but feel I have absolutely no obligation to them until they correct their mistskes. I do n't intend on paying them the more recent late fees as they have failed to produce a timely monthly statement as my other credit card companies do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation