vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-21 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: PA

Complaint narrative:
Convergent Outsourcing Inc. continues to attempt to collect a debt that is not owed for roughly 2 years. They are the collection arm for XXXX XXXX. I have disputed the validity of the alleged debt as not being mine. I have asked for validation of the debt. and they send a copy of a statement with my name on it. I have on numerous occasions asked for anything with my signature or a recording that evidences my approval for the charging of the {$170.00} they continue to attempt to unlawfully collect. I believe they are violating the FCRA, FDCPA, Pennsylvania FDCPA and Pennsylvania UDAP and these violations as well as the acts individually constitute a violation of UDAAP. 

Further when I point the above violations of law out to the CSRs, for Convergent, they tell me I have to file a fraud claim with XXXX XXXX. I expressed my incredulity that they were not satisfying their affirmative obligation to only collect on a debt that was valid and again demanded that they validate the debt or remove the inaccurate information of the debt as allegedly owing to Convergent and XXXX but they refused multiple times. 

It is clear that Convergent Outsourcing lacks appropriate training, corporate leadership, compliance and legal knowledge as well as any kind of QA or monitoring or testing program to be permitted to continue collecting debts for themselves or third parties. 

I urge the Bureau to investigate the foregoing matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Designed Receivable Solutions, Inc.
State: SC

Complaint narrative:
DESIGNED RECEIVABLE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, CA XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DESIGNED RECEIVABLE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DESIGNED RECEIVABLE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 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: IL

Complaint narrative:
I found out someone committed fraud in my name under the cable company comcast. i asked both comcast and bill collectors to send me the bill with the address used for comcast stating that actual address so that i may file a police report. first they said they could not provide me that information until i mail them proof of address. one week later they sent the bill to my current address that of course i 've been living for over 10 years with my current address on it, but not the fraudulent address they were accusing me of having the unpaid debt. The debt collectors told me that i have show proof of address for those remaining years which were back in XXXX and XXXX! i have no bills what so ever from those many years ago. this just is n't right at all! now they refuse to help me. so i 'm stuck with debt that i never knew of or never received any mailing within those years to my name and ruining my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: AZ

Complaint narrative:
I recently began to check my credit reports when I discovered a collection account from CMRE alleging that I owe {$540.00}. I do not owe any debt to CMRE or any affiliate as I have never done business with them or entered any agreements. I immediately submitted a dispute request to the credit bureaus. CMRE continues to erroneously report that this illegitimate account was verified. I then submitted a validation request in accordance to all applicable federal and state laws. CMRE received my validation request on XXXX XXXX, 2015. CMRE sent me a letter dated XXXX XXXX, 2015 simply typing my name and an amount owed. CMRE has not responded to my validation request and has not removed this trade line from my credit reports as requested. My request was submitted via certified mail with proof of delivery. I then filed a complaint with the XXXX. CMRE responded with false statements suggesting that I acknowledged the account was validated and that they were unable to contact me because I requested to cease contact. Both of these statements are false and misleading. This company continues to add damages with their violations of collection and credit reporting laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: EMBRACE HOME LOANS
State: TN

Complaint narrative:
on XX/XX/XXXX XXXX writes to XXXX XXXX XXXX for a payoff of the XXXX XXXX account. This was due to the fact the property being insured had a lien on it at the time. On XX/XX/XXXX XXXX XXXX response was sent. The problem was that XXXX XXXX XXXX closed on the wrong account. That meant lien was still on home. XXXX did not catch the mistake. 
Embrace Home Loans has the XXXX XXXX account on the liabilities page listed for unpaid balance of {$1700.00} for this account. This was false because the amount at the time of closing was actually around {$9900.00}. XXXX XXXX XXXX Closed an account named XXXX for {$1700.00}. In actuality the XXXX XXXX account had a balance of close to {$10000.00}. The XXXX account was also an account closed previously before the time of close when I called to verify. XXXX was closed XX/XX/XXXX. XXXX XXXX XXXX never closed the account on the Liabilities page provided by Embrace Home Loans the account was listed under XXXX instead of the XXXX name. The account numbers matched however. 
Embrace Home Loans failed me once again by not providing accurate information on the liabilities page at the time of closing for refinance of home loan. The Truth in lending prohibits this type of conduct. My accounts information was not reported to me correctly at all. 
XXXX did not XXXX check the accuracy of the account being closed. Due to the Negligence of the Embrace Home Loans and XXXX XXXX XXXX my bank account got frozen and later seized for the amount of {$4700.00}. To pay off this lien that was still on property with out my knowledge. XXXX XXXX XXXX did not properly pay off the right account and Embrace Home Loans did not disclose the right amounts for the accounts either. Title insurance protects me from fraudulent transfer of dedd to me and from title defects that are not disclosed to me int he policy. The property was indexed improperly due to the post closing mistakes that affect my ownership of the property since it still currently has a lien on it. Due to the encumbrance on the property of {$10000.00} or more the Deed OF Trust is NOT TRUST WORTHY. 
I demand response and resettlement of this issue immediately. 
XXXX XXXX XXXX has since transferred rights to the XXXX XXXX account to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
This company has been contacted by my attorney numerous times, in writing stating that two of the accounts they continue to show on my credit report are included in a bankruptcy and need to be corrected yet they continue to report these accounts as being correct on my credit reports. I have tried to contact them by phone since they still refuse to remove the accounts but no one will return phone calls. They show on my credit reports as a medical bill but I was never given copies of the bills they are attempting to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Harvard Collections, LLC
State: CT

Complaint narrative:
I was told by the credit bureaus that the original creditor rejected to remove any negative reporting as well as updating my balance to reflect XXXX despite providing me with a letter stating they would do so. I feel the creditor is sending me in circles because when I call to check the status of my dispute and to get more info on the process, they say that my account has been submitted to their sector that handles these claims and there is no way to speak to them and I have to just wait for a response. This has gone on for a number of months and I do n't believe this is legal or right to do so. I feel I have taken the steps provided to me and still nothing has happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-06-23 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 submitted a request for debt validation to CMRE Financial. The collection agency sent a computer generated form made to look like a billing statement. CMRE used improper documentation that was not generated by the original creditor to pose as debt validation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Original Creditor : XXXXCurrent Credit Agency : Convergent/XXXX This Debt is XXXX years old!!!!! 
Asking for me to pay a debt but can not find my stock!!! From the periods of XX/XX/XXXX, and from XX/XX/XXXX. I had several incidences, with this bank, that put me under the suspicion, that XXXX XXXX XXXX did something that should not of happened. 
The first incidence was, when I left my job, XX/XX/XXXX after being downsized, I elected my XXXX account with this Bank. I had to sell some of my stock XX/XX/XXXX. for a personal reason. That XXXX, I was received a statement describing the remaining of stock that I had. XX/XX/XXXX I had it was sold and there was no description of where it went to. After, going through old statements, I contacted the bank XX/XX/XXXX and was told that it merged XXXX. An assistant to the Vice President XXXX XXXX XXXX XXXX XXXX, attempted to help me locate the remaining XXXX shares. Unforunately, unable to do so, and explained that I needed to get an a-sheetment from where the shares came from by calling XXXX. 
B ) The XXXX incident, was in XXXX, when a XXXX insurance policy was cancelled, due to a compromised account. 
C ) When the account was compromised by making purchases online through XXXX and XXXX. 

Convergent XXXX XXXX Bank CheckingSending for a settlement offer of $ XXXXThe same with this Bank, XXXX XXXX was compromised and I received XXXX ATM cards within 3 months! Something is wrong with this XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
On XXXX XXXX, 2015, I disputed this debt through XXXX Credit Bureau. See Attached Since it was verified I requested what documentation was used to verify such debt. And requested through debt collector what contract does it have assigned to them. This fraudulent attempt to collect a debt should be removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 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:
THIS COLLECTION AGENCY IS CONTINUING TO TRY TO COLLECT ON A DEBT THAT WAS DISCHARGED/WRITTEN OFF IN XX/XX/2007. I HAVE NEVER CONSENTED TO THE AMOUNT OWED NOR WAS I GIVEN AN OPPORTUNITY TO DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 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: GA

Complaint narrative:
This debt was paid off almost two years ago, I paid the debt almost {$600.00} dollars to this debtor. I called obtained my final bill amount the male representative gave me a amount I explained to him the send a bill every two weeks and to please advise me what I am being billed for he stated honestly he did n't have any idea he only shows my payments on accounts told me to pay {$250.00} last bill it was paid and they sent a independent contractor to my home to pick up my equipment and that was it I switched my services. I have seen on my credit report where this same debt has been removed five times and now they placed it back on my credit I am upset about this and I feel this should not keep appearing on my credit report as I have paid this off and have my bank statements to prove it. XXXX is a very unfair company who gives you the run around and keeps charging people for ridiculous amounts twice within the same month not monthly and ca n't explain what exactly you are being charged for this has been on going for almost three years now with this being now XX/XX/2017 and they removed the same debt and have placed it back 5 times they should be ashamed of themselves I would never recommend XXXX to anyone!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 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:
On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on XXXX others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was XXXX when this collection was put on my credit report. So this is ID Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
I have been contacted by phone and in writing XXXX XXXX/XXXX/XXXX XXXX by Optimum Outcomes, Inc. I wrote them via certified letter in XXXX XXXX, showing that my insurance company paid a medical bill to XXXX XXXX XXXX and to not contact me anymore or show that the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
An account is on my credit report that I do n't know what it is it 's hurting my credit and they do n't have proof that this account is mine

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
This debt was settled with a debt collection agency. The cc company XXXX XXXX has sold the debt to another collection agency. The new collection agency is trying to collect a debt.

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 2016-12-30 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: SC

Complaint narrative:
company is stating I owe a debt but can not provide debt validation for the account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 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: TN

Complaint narrative:
I applied for a credit card in 2015. When I was notified of my score by that institution, I knew something was wrong with the lower score and applied for a free credit report from XXXX since this was the agency used by the financial institution. XXXX showed a past due debt of {$400.00}, originally over {$600.00}, to XXXX. My TV and internet service are with XXXX, however, I have paid them on time every month. I then called XXXX to learn more about the debt, especially since I have never received anything from them of the debt. I was informed the debt originated in XXXX IL by someone with my name and SSN but the acct number does not match mine in TN. Over the course of 8 months, I have spoken with at least XXXX XXXX personnel and faxed info to prove my identity and residence to various phone numbers only to be told they did not receive it. I even filed a police report and sent a copy of that in case this was an identity theft issue. I disputed the reporting with XXXX but got nowhere. Now the account is with Convergent Collections who wrote me a letter this month. I have responded to that letter making them aware I will not pay a debt that is not mine and gave them a history of tasks I have done to prove this. Today, I again, faxed the same/additional info to XXXX after speaking with a rep named XXXX. I feel this is an internal error with XXXX as I have monitored my credit reports and there are no ill reports on my bureau. In the time that has elapsed, if someone had stolen my identity, there would be more than a past due XXXX bill in the report. I can not get anywhere with anyone from XXXX to help with this issue. I have requested a copy of the past due debt from XXXX and Convergent and disputed the debt again with XXXX. I am XXXX yrs old and have always paid my debts on time. My credit score has always been excellent. I do not deserve to have to deal with problems such as this. These huge companies should not be able to ruin peoples lives. If XXXX has a debt I owe, they should be willing to produce a bill or notice of proof. Please help.

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 was paid
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I have been ( robo ) called everyday by " Convergent Outsourcing '' who ( once I identify myself ) stated they were representing XXXX and trying to collect on a past due bill. I explained that when I closed my account, I was told everything was in order. They insisted I owed ( roughly ) {$190.00}. I asked that they email me an invoice or provide some sort of verification. They refused. They have called me several times everyday since, and today called my ex-wife and left a message stating they were trying to collect a debt.

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 with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bliksum, LLC
State: MO

Complaint narrative:
received a call from XXXX ext. XXXX case # XXXX. Asked this individual to stop calling me at work because it disrupt me while at work. He told he that criminal charges will be filed against me. I hung up and he called me back at my work number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
My sister defaulted on a mortgage I helped her get I moved in with my new family she chose not to get a roommate milked the system for years and now I 'm in debt ... I just want to do deed of leiu so I can buy my family if XXXX a home and XXXX XXXX XXXX jerked me around after applying for their large lawsuit! Then shady transferred my account knowing I wanted to save the home and my credit yet still gave me to bsi financial in which I 've submitted XXXX loan mods to no avail!!! All I want is money to move into a new home w my family of XXXX and give this home up debt free! Nobody is cooperating! Please help us XXXX or XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation