vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-07 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: Firstsource Business Process Services, LLC
State: NV

Complaint narrative:
FIRSTSOURCE ADVANTAGE LLC seeks to advance collection for XXXX XXXX XXXX for an alleged XXXX XXXX XXXX debt which is non-existent, not based on a final judgment, and beyond the California Statute of Limitations of four years for a contract debt. 

The debt collection is barred by the statute of limitations and enforcement is illegal. 

Researching the matter required the use of a California Licensed Investigator which resulted in a cost to me of {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I 've notified them several times that I 'm a veteran and I did go to a va hospital. They reported an illegal transaction on my credit report that I 'm 1 month late as a charged off account. The original date is back from 2010. They re-aged the date on my account in an attempt to prolong the time frame to collect which is illegal and unethical.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
They called me on my wife 's phone, I told them to send me something in the mail, then somehow they obtained my work number and call me there without permission!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Harvard Collections, LLC
State: TN

Complaint narrative:
In XXXX XX/XX/2015, I received an alert that a new entry had been made on my credit reports by XXXX XXXX for over {$7000.00}. When I viewed my report, it only said that the original creditor was XXXX XXXX, but no additional information. Through the credit reporting agencies, I asked to verify the information. 

Additionally, I researched the company online and located several numbers that either had recordings ( I left messages ) or no answer. I located only XXXX email address and sent an email requesting a copy of the original bill. None ever was received and I had no contact from them. 

In XXXX, I contacted the Better Business Bureau. They received a response form XXXX XXXX saying that they would contact the original creditor for the bill and forward it to me. It has been over a month since then, and I 've received nothing. 

To date, I still have no idea what this debt is, when it originated, nor who it is from.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I was admitted to emergency after an accident. Information was taken but my name was not spelled correctly so it was rejected and a bill was sent in the wrong spelled name not my name. I called and notufied them and the onsurance company. When submitted to my insurance company it was first denied because of wrong spelling not me. It was later submitted with correct spelling and was paid in full by my insurance company with correct spelling. I have not received any billing since paid in full through XXXX and insurance company. This should be removed from my XXXX credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
We switched from XXXX to XXXX on XX/XX/2016. We were advised that XXXX would pay {$650.00} per line to switch us. We had XXXX lines so that is {$1300.00} to pay for any and all fees. As of XX/XX/2016, we have been getting threatening calls from XXXX about our account. We advised them at the end of XX/XX/2016 that we switched and our account should be handled by XXXX soon. The phone calls stopped. Today, XX/XX/2016, the harassing calls started again. It has not been 60 days yet and they are threatening to attach this to our credit. They have been advised that XXXX is processing the refund. I have spoken with XXXX and XXXX, only to be given a run around. I have also spoken with the company Convergent Outsourcing ( the company formerly pretending to be XXXX in XXXX but now calling themselves Convergent Outsourcing ) and they have been threatening as well. I do not feel that either company has given the appropriate and fair amount of time before calling and harassing us for the payment from XXXX. I called the FCC, FTC and now the CFPB. Can someone please make them understand how the Fair Debt Collection Practices work. When we get the pre-paid Visa 's from XXXX, we will gladly give it to them which should be within a few more weeks based on XXXX statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 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: CA

Complaint narrative:
CMRE Finance. XXXX XXXX. {$140.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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: WA

Complaint narrative:
I saw a blip on my Credit report from this company claiming I owe some sort of medical bill from 2010. This bill is not mine and this company is known to be fraudulent.

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 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EMBRACE HOME LOANS
State: PA

Complaint narrative:
For over thirty years, my mortgage payment was never, never late. It was setup as an automatic payment. Over a year ago I refinanced my home with a XXXX loan with Embrace Home Loans serviced by LoanCare through automation. Then some six months later, my loan was sold/transferred to XXXX Mortgage Servicing Corporation on behalf of Embrace Loans. I was given a new mortgage number that needed to be setup so that the new servicer could receive payment. Then six months letter I receive another letter informing me that my loan was transferred back to XXXX with another new loan mortgage number. So when I attempted to make make payment, I am told that I have several loans and choose the loan I want to make payment to. This process of transferring my loans has become my burden of paying my loans without being charged for late payments. 
This would not be an issue if the mortgage servicers would make these transfer of information less frustrating to the customers. The loan servicers selling and reselling this loan are making the profit and I the customer have to be extra concerned that my mortgage does not become a late payment thereby putting extra fees unto my loans.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-04-18 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: NC

Complaint narrative:
Received a Settlement Offer. I responded to accept the offer. I sent my credit card information to take the settlement offer. However they never updated my credit report to reflect Paid in Full as indicated in the settlement offer..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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: PA

Complaint narrative:
I called in to Convergent outsourcing solutions to get verification of a debit that showed up on my credit XXXX, XXXX 2016. I called in and requested a letter for the debt. The representative told me that she could n't send me a letter because I was n't making payment on the debt at the time that I was requesting the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Designed Receivable Solutions, Inc.
State: AZ

Complaint narrative:
DESIGNED RECEIVABLE SOLUTIONS has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe DESIGNED RECEIVABLE SOLUTIONS any alleged debt and would like them to provide proof of claim with authenticated verification. DESIGNED RECEIVABLE SOLUTIONS has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 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: CA

Complaint narrative:
received a statement from Convergent Outsourcing , Inc. stating that I owed XXXX XXXX {$150.00} when I 've never had a XXXX account. I called XXXX to verify that I did not had an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF HAWAII CORPORATION
State: NY

Complaint narrative:
Can you tell me if I need to write a letter to my bank to request the PMI payments no longer be required? I passed the Scheduled XXXX % LTV Date on XXXX/XXXX/2014, however they are still billing me for PMI premiums in my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 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:
XXXX is continuing to try to collect for a debt that was paid in full several years ago. The collection agency Convergent Outsourcing is reporting the debt on my credit report incorrectly and it has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Convergent Resources, Inc.
State: NE

Complaint narrative:
I changed cell phone companies in XXXX XXXX from XXXX XXXX to XXXX. I had asked a XXXX XXXX representative about any outstanding bills prior to changing my account. He said the bill would be transferred to XXXX and would appear on my XXXX bill. 
I changed telephone companies and heard no word from XXXX XXXX until XXXX XXXX, XXXX in the form of a letter from a debt collection agency. I have never had a late or missed bill with XXXX XXXX after being a customer for 10 years. I think it is wrong that I did not receive any type of notice stating I had an outstanding balance prior to being sent to a collection agency. I would like to confirm that this does not show up on my credit report and ensure this does not happen to other people. This is wrong and affects your livelihood. 
Thank you for your time.

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: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: NM

Complaint narrative:
This debt is not mine. I fought this off with the credit reporting agencies due to the many debt collectors collecting on the same account and claiming different balances. This debt collector represents an old debt and is duplicate reporting. I recently got a letter from Convergent asking for more information in order to dispute this debt since I disputed it with XXXX. With XXXX I had no issue to get it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc.
State: GA

Complaint narrative:
I filed a compliant on the CFPB website back on XXXX/XXXX/2016 that CMRE was reporting inaccurate information and when I called to correct the information. CMRE required me to pay the debt before removing the dispute preventing my from refinancing my home loan. CRME provided the following response - The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

View the details of your complaint and the company 's response so far at : XXXX CRME removed the debt form my credit report in XXXX 2016 and now has listed it on my XXXX credit report without any notification for disputing the debt and violated Under the Fair Debt Collection Practices Act

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 2015-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
They have called from several different numbers demanding to verify my SSN. They call continuously even on the weekends. This debt is also over ten years old. They bought this from someone else and demand that I pay them today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Acceptance Solutions Group, INC
State: OH

Complaint narrative:
Keeps calling numbers that are not mine. And talking to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: GA

Complaint narrative:
I have been trying to get a loan modification with my mortgage company with no success. The only options they gave me is either sale the home or I will be going into foreclosure,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
we were originally trying to do a modification, then a deed in lue to get hafta relocation, our application was never processed for the hafta relocation nor the modification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP.
State: KS

Complaint narrative:
I called to make a payment by phone to cure a debt of a mortgage that was two months past due. I informed the representative of my intentions to pay in full to get the account current. The representative puts his manager on the phone, who consistently asks why I have not returned some phone calls that were made within the past two months. This manager made degrading comments and refused to accept payment of the past due amount unless the next month 's payment was included. This was not yet due at the time of the phone call. The manner that this representative addressed the issue was both verbally abusive and unwilling to assist in my inquiry. I asked for a fax number, to which this representative asked the reason for sending a fax, and refused to give me a fax number unless I gave specific information about what was to be faxed to the company, and why I was faxing it. The representative continued to make verbally abusive comments, and commented on the presumption that I will not make any more payments until the end of the year. I was unable to speak without being interrupted by this representative who began raising his voice in a manner of interrogation, demanding to know how I intend to make future payments. I have never been belittled as much as I had been in this conversation, and I have never seen such abrasive and unprofessional practice as I did with this company, particularly with this representative. I understand the company 's frustration by the status of the defaulted loan, however I do n't feel that they have the right to speak to customers in a demeaning manner, ask questions that are not related to curing the defaulted loan ( i.e. questioning why I did n't answer the prerecorded phone calls that are sent to me several times daily ). This " manager '' did not give me his name or contact information, and did not help me with this simple resolution of curing the defaulted loan. Before calling, I intended to ask the amount of the principal of the loan, to which the manager told me that this has nothing to do with my loan repayment, and refused to inform me of this amount. I was then told to call back next week to " make sure I have enough money in my account '' to cover the past due balance, which would be over 90 days past due at that time. I have never been denied the chance to make a payment on an outstanding loan balance, and being belittled and talked down to was the main purpose that this representative spoke with me during the phone call that I placed to them on Thursday, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 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: Credit Protection Association, L.P.
State: NY

Complaint narrative:
I received a phone call at my mother 's home, on her answering machine. It was an automated call, looking for me, about collections. I have nothing in collections. A week later I got a letter in the mail demanding I pay {$52.00} to " Credit Protection Association L.P. '' because XXXX XXXX turned over a debt to them. I do n't owe XXXX XXXX anything and my name is NOT on the utility. This is a fraudulent attempt to collect money I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
Dear Sir/Mdm, XX/XX/XXXX, I submitted my complaint against Paypower ( case number : XXXX ). 
On XXXX/XXXX/2015, the company replied through your agency stating " Blackhawk will need XXXX XXXX to send in proof of identity ( state issued ID ) and a copy of a utility bill proving an accurate address. Once we receive this information, Blackhawk will issue a full refund check to XXXX XXXX at the address he confirms with his utility bill. Further, as a courtesy, Blackhawk will also credit the current monthly maintenance fee that has been assessed. " However, after sending all the documents, the company still illegally hold my money in spite of my numerous requests. The below is my XXXX/XXXX/2015 email to the contact person which the company asked me to contact. 
XXXXXXXX XXXX , This is my Fourth email in two weeks asking for refund. I have not got any reply and it seems that you completely ignored my requests. 
If you feel this is not the situation, please reply and let me know. If it does, I have to acknowledge that you have no refund intention and I need to move forward. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXXI think this company is a scam. Please help. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief