vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-10 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: CA

Complaint narrative:
I received a legitimate-looking letter in the mail from debt collector Convergent Outsourcing , Inc . It claims that I have an account with XXXX, with a past due balance of {$190.00}. It claims to offer me a reduced balance of {$96.00}, as a one-time-only offer. 
I do not have an account with XXXX, nor do I live, or have ever lived, in a state in which XXXX offers services. I called XXXX to make sure this is not a case of identity theft, and they confirmed that I do NOT have an account with them. 
This is a case of fraud, but I am not sure if the company Convergent Outsourcing , Inc., itself is the perpetrator, or if there is another party posing as Convergent Outsourcing , Inc., to carry out this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 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:
I HAVE BEEN SENT A LETTER IN THE MAIL FOR A DEBT of {$38.00} IN WHICH I DO NOT OWE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 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: AZ

Complaint narrative:
Creditor : XXXX ( i canceled service XXXX XXXX : customer service says disregard {$55.00} bill, wait for final. 2months, no final, convergent outsourcing XXXX collections XXXX contacts by phone, i say send the bill, they do, meanwhile i pay {$55.00} bill to XXXX to see if that resolves, then convergent sends {$230.00} bill, i pay that, then convergent sends bill additional for {$180.00}, i will not pay, this is fraud. Please respond. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Rodenburg LLP
State: MT

Complaint narrative:
All I have received or heard from this collector was when a default Judgment was filed on me. I had not receive the judgement summons nor any other contact with this group before hand. Just a copy of the order granting Judgement and default judgement, Certificate of Service, and Notice of Entry of Judgement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 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:
Some one stole my Identity theft and opened an account from XXXX XXXX of Georgia. This is the second collection agent trying to collect this debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 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: SC

Complaint narrative:
In XX/XX/XXXX, I closed my student checking account at a XXXX branch in XXXX NC. The person that I worked with was rude and informed me I didn't need to sign anything to close my account. In XX/XX/XXXX, I received a bill from a collection agency XXXX for an overdraft fee + transaction (that I didn't make) that supposedly happened in XX/XX/XXXX. It appeared as if my account had been reopened specifically to be charged. The reason behind my closing the account was due to monthly maintenance fees, yet they have no record of any maintenance fees prior to this supposed charge, if my account had in fact been opened my account would have been charged a maintenance fee for every month prior to this "transaction". It is my understanding that once an account is closed, a bank cannot re-open it without the account holders permission. 

  I submitted a dispute and validation request, the information provided seemed weak at best. They sent a response and XXXX statements, spanning three months, the account type is listed as an "Everyday Checking" on the final month, although it is listed as "student checking" on the prior XXXX months. With a starting balance of $0.00 for the XXXX month (which should have been negative if they were charging me a maintenance fee).  After this response, XXXX never tried contacting me again. 
  Now I have received a new attempt to collect on this "account" from Convergent Outsourcing, Inc. It is not a large amount, but I do not owe these people any money.

Of note, when I made my original claim I was told to contact you directly by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
On XXXX XXXX XXXX, Convergent Outsourcing Inc, reported a debt on my credit reports without contacting me nor giving me the rights to dispute this debt that was reported in my credit reports for 7 years by another company and was removed since the statute of limitations to collect had expired. I have proof of the collection which reported on my credit report from XX/XX/XXXX to XX/XX/XXXX. The statute of limitations in my state is 7 years to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
On XXXX XXXX XXXX, XXXX XXXX XXXX was returned to XXXX XXXX XXXX XXXX used car department of XXXX, Tx. This was a voluntary owner surrender of motor vehicleto lien holder Chase Financial Services Inc. where vehicle was originally purchased XXXX XXXX XXXX. As owner of XXXX XXXX I could no longer afford the monthly payments of {$490.00} per month, since retiring XXXX XXXX, and now currently drawing Social Security. Since returning vehicle to dealership, I have received numerous calls from Chase Financialservices in their unorthodox attempt at renegotiating another contract on the same vehiclefor which is totally unaffordable according to the in-house financing requirements they would have consumer expected to pay. On XXXX XXXX I received a phone call fromChase Financial Services again about XXXX yet this call was threatening and belligerent in nature from a manager within that organization. Under his terms if I did n't accept taking the XXXX back I would be subject to having my XXXX wages garnished by their dealership. I can consider this harassment and unethical practice towards consumer who no longer wants and can not afford dealing with Chase Financial Services Inc. especially after such a belligerent conversation from their management staff. As a XXXX XXXX Worth consumer and a XXXX Veteran I will certainly never do business again with Chase Financial Services. The rates for their used vehicles are tremendously over blown for any market financing, and unethical staffing does n't help theirrating in the community of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
The Harvard Collection Service claimed to be collecting for Illinois Dept of Revenue. I spoke with XXXX XXXX on XX/XX/2014. She called at all hours of the day and night. She demanded on the date I provided that if I do n't agree to a payment plan that very day they would seize my XXXX Ford f-150 truck. I had just been released from the hospital and was too weak to even hold a phone myself, so my poor wife also exhausted from all we had been through recovering from XXXX and slow progression from that state had to hold the phone to my ear. I had to deal with this persons threats! I was shaking so hard I feared I would was going to have another XXXX XXXX, I explained my health crisis but all she cared about was collecting. I lost everything and explained, all I have left is a {$650.00} credit limit credit card to buy food with. She did n't care and forced us into a payment plan. I honestly just wanted the harassment to stop! We could n't afford to lose our only reliable vehicle and feeling hand cuffed we entered an arrangement under severe duress!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 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: IL

Complaint narrative:
XXXX Charged me for a month of service that I did n't use. Tried to say that it was in my contract but it was n't, I still have copy of my contract. Told them this, read them my contract and they agreed. Told them to send me correct bill they said they would but did n't and sent to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 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:
A debt collection agency called Convergent Outsourcing , Inc., has been calling my home phone and has begun sending letters claiming that I owe a debt to XXXX, of some {$400.00}. After confirming with XXXX that I had no outstanding balance, I closed my account. Convergent has continued its attempts to collect the debt despite my telling them that the debt is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
A place called Convergent is constantly calling me on my work phone. They have been told before not to call my work. I will file a complaint with the FDCPA if the calls do n't stop. I also want verification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
this account was a result of fraud i have filed a police report and ftc identity theft affidavit has been notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Convergent Resources contacted me and asked me to verify my current address and then asked for the last XXXX digits of my social security number. They then said that I was not the person they were looking for. Should I be concerned about Identity theft? Some of the reviews of this company has me concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
Reloadit blocked my safe ( a safe is what they call where $ is stored that you have transfered online from your cash purchased card ) for a random security measure check. 
I have to send a picture identification and the receipt for the card via email ( or FAX ) to them to release my safe. 
I would n't have known my account was blocked until I tried to use it. They do n't even notify you so you can have a chance to clear it up before you need to use it. They said they do n't call out and they never asked for my phone # when I was signing up anyway. They had my email but did n't notify me that way either. 
I did n't save the receipt for the card I bought ( cash ) at XXXX and XXXX has no way to retrieve a receipt without the date, time and what lane I purchased it in!! Who remembers those details?? 
So the {$380.00} worth of reloadit cards I purchased today and have n't loaded into my safe are unusable ( and un returnable to XXXX for refund in any case ) until I send in my photo identification and receipt from XXXX, which is impossible to get.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-01 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: Credit Protection Association, L.P.
State: AL

Complaint narrative:
My identity was stolen and immediately when i realized this i contacted the companies as well as the credit bureaus and reported this. the only thing i got from it was a 90 day freeze on my credit accounts. the accounts wasnt removed from my credit. I contacted the lenders as well as the credit bureaus

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 2016-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Finance System of Richmond, Inc.
State: AL

Complaint narrative:
On XXXX XXXX, 2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken XXXX federal laws. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BRAZOS HIGHER EDUCATION AUTHORITY, INC.
State: OH

Complaint narrative:
In XX/XX/XXXX, I filed bankruptcy which included all of my private loans, credit cards, and past due bills. From that point in time, I have been financially responsible and have maintained a positive credit profile. Recently ( within the past XXXX months ), a company XXXX XXXX XXXX has contacted me multiple times a day, contacted my wife, and family members that I have not seen in years. They have claimed that my debt is now due and that after XXXX years, it is still valid. I initially attempted to explain to them that my debts were addressed during the BK and those that were n't are current ; however they did not accept that and in XX/XX/XXXX, reopened a collection account without my knowledge, approval or written notice. I found this out today, when I pulled a credit report after seeing a denial of credit from a lender. I received no written notice of a revival of a debt that no one has contacted me about in a decade and as of yesterday ( XXXX calls alone in a XXXX hour window ) they have increased their call XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Under financial hardship and XXXX with both left and right XXXX as well as receiving social security benefits, I needed to find means to pay off household bills, rent, car insurance, life insurance, outstanding medical bills, etc. and when I saw the television commercial from LoanMe.com for an installment loan, I applied over the telephone. And was given a {$2500.00}, it was not stated up front the amount of interest to be paid on the loan at 138.63 % ( Overall finance charge of {$11000.00} ). The shock for me when I received the LoanMe, Inc. Promissory Note and Disclosure Statement was the full amount without added Late fee to pay off note was ( {$13000.00} ). The offer for taking the loan was an encouragement for accepting it because without immediate family support, even extended support from siblings to be self independent financially this was I thought a sound option. But when at my age I 'm unable to find suitable employment outside of my failing health it has been merely trying to survive to pay my rent, buy food, and other life means to not become homeless. I do n't understand why a financial lending institution would charge such high interest and payments to a retiree receiving social security benefits. Afterwards when income becomes even more deflated calls almost daily from various telephone across the country as my caller ID shows even to the trickery of making " Unknown '' or " Private '' numbers. I find that the settlement repayment down over the phone is without an end date and even more so the payment is painfully high. I need some relief, but I do not know who or where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Malen & Associates, p.c.
State: CA

Complaint narrative:
Malen and Associates PC filed this judgment on behalf of XXXX XXXX. Accoriding to the FCRA 605. 
Requirements relating to information contained in consumer reports [ XXXX XXXX. XXXX ] ( XXXX XXXX Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) XXXX Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

2. XXXX XXXX XXXX. bought the debt from an undisclosed source several years after the statue of limitations ran out they hired Malen and Associates, and or sold said debt to XXXX. XXXX in turn illegally filed an outdated judgment, against a man who is a victim of Identity theft. 
3. I was in my XXXX when the judgment was filed, I therefore could not have been properly served. for the court appearance. 
4. For XXXX XXXX has NEVER VALIDATED with an leaga documents properly linking me to the debt. to use the name XXXX PERSONAL INFORMATION to extort monies extortion, and discriminatory, this action is akin to IDENTITY THEFT I am are sure XXXX the Credit Bureaus and Malen and Associates are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. We therefore request that they cease and desist all debt collection practices. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts on XXXX XXXX credit is in violation of FCRA 611. 
Procedure in case of disputed accuracy XXXX We ask that the CPFB remind XXXX XXXX and the Bureaus of the ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. I therefore request that you contact them demanding they validate this account. If they can not, they must cease and desist all debt collection practices and must delete and or block the account information from my credit profile according to FCRA 605B ( 15 U.S.C. 1681c-2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Admin Recovery, LLC
State: NJ

Complaint narrative:
If you google this particular unscrupulous business you will see the lackluster reputation, and numerous consumer lawsuits. This agency is quite aggressive in contacting me at numerous numbers, even without first sending any verification of the debt. someone with the alias of XXXX at extension XXXX calls from this business. On, XXXX/XXXX/16 at XXXX., a message was left for this person advising to stop calling and that I have a lawyer ( contact information provided ). Further, I instructed said individual that I will be filing Chapter XXXX. Even with this message, the company decided to discard my message and placed a call to me from a spoofed number on XXXX/XXXX/16 at XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
RE : LOANME. These predatory loans should be illegal. I borrowed {$10000.00} in XXXX XXXX making payments {$840.00} per month. In XXXX, XXXX my outstanding balance was XXXX. I paid over XXXX in interest and fees to borrow XXXX for 8 months? How is this legal in California? When I received a monthly statement, there was no information regarding my balance and how much of my payments are going to principal. Apparently XXXX of my payments went towards my principal and interest acccrued daily. This is a rip off and preys on people who are in a challenging time.

Company response to consumer: Closed with explanation