vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-10 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 received a call from a XXXX XXXX with Convergent Outsourcing about a alleged debt they say I owe from 2003, from XXXX of XXXX XXXX. She said she can call to collect on a debt if after it is past the statute of limitations of Debt collection of four years in XXXX and 10 years in XXXX. I advised her that the alleged account was over XXXX years old and that they were in violation of several Federal laws by calling my without my permission and for accessing my credit reports to obtain my phone number and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United Group Inc.
State: NV

Complaint narrative:
Hello. My Name is XXXX XXXX ; XXXX Veteran on a fixed VA income and Social Security. I put down XXXX down around XX/XX/XXXX for a XX/XX/XXXX Mersades Benz 2 Door coupe ; 4 seater. The cost of the car was {$6000.00}. I thought I was getting a good deal however the car turned out to not only be a lemon for which I have filed a previous case with your organization, but I was stuck with paying not only 35 % intrest rates on a {$6000.00} auto loan through United Finance located on XXXX XXXX XXXX XXXX, Nevada XXXX ; XXXX XXXX ), but also I am still paying the 35 % so it is like my principal hardly moved at all. I still owe {$4800.00} and now I have a XXXX credit rating which is worse than when I started making payments to better my credit and I am in a negative status with all XXXX credit breaus while United Finance is making a fortune from me concerning paying for this lemon car I have previously reported to you this month. I need assistance in both cases to get justice because I am being stressed out and robbed all the way around and I am still making {$300.00} a month payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I did not sign for this account. Room mate signed up for service. Said I owed for equipment and service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
I was in a hospital and the bill was to be paid by the VA in XX/XX/2013. The hospital took the information and was paid. The XXXX emergency specialists was given the information every time I or my wife talked to them and they failed to bill the VA. I found out it was out for collection and told OPTIMUM OUTCOMES INC to contact VA they said they could not pay up so I instructed them to send it back to the doctor so it could be billed they refused and said they were going to collect on it. I told them the VA would pay the bill IF THEY WERE BILLED. That was last I heard until recently I had a call about my son 's credit and thought the recently visit to hospital was being collected already and called and found out the bill was still in collections. I called the VA and was told if the XXXX would send them the bill they would look at it review it and pay it. EVEN THOUGH VA policy is doctor has to bill them within XXXX days. I called the doctor back explained all this to them and told them they had to submit the pink part of the bill what ever that was for payment they refused because it was to old and the collection agent has it. I either want them to take this off my credit report and bill it or write it off. Their not being paid was not my fault THEY NEVER EVEN BOTHERED TO BILL IT and they hold a government contract to accept payments from the government for payment of patient expenses XXXX, XXXX, or VA. If they failed to follow the contract that is not my fault they were notified WHY if the VA was paying the bill would I refuse to provide them the information?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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: NV

Complaint narrative:
XXXX sent me to collections for my final bill that i never received. i paid it as soon as i found out and they will not remove from my credit. it is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC
State: NY

Complaint narrative:
I had XXXX in XXXX which XXXX while on business in California. I asked the hotel to call me a taxi. They called an ambulance stating it was their policy if someone needed medical assistance. I refused all treatment in the ambulance so nothing happened in the ambulance other than a ride to the hospital while lay on their gurney. 

My insurance company paid XXXX % of what it informed me was fair and reasonable for the bill. My recollection is this amounted to approximately {$400.00} for the ambulance service. I offered to settle for the remainder of the bill {$100.00} which by my calculation would be the other XXXX % of the amount that my insurance company said was fair and reasonable. This has never been accepted, but instead this is now the XXXX agency calling and trying to collect significantly more. I did not ask for the ambulance. I did not sign anything stating I would pay for the ambulance unless it was hidden in the hospital registration documents which I read at the time as covering hospital charges. ( This too was signed at a time I was under duress due to pain. ) Even so, it is unreasonable to charge any price the ambulance company chooses that has no relationship to the cost just because they see an opportunity to gouge someone who can afford to pay more than the services are worth. ( Please note : I have selected the " best '' description above ; the debt is mine. My logic is that the amounts in excess of what I feel is fair, are not mine. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I disputed this account several times with them and with the credit bureau. This has been a on going issue with them. When I mail them something they say they never get it. I asked for a supervisor to call me on XXXX/XXXX/15 and they still have not called. I called back on XXXX/XXXX/15 and requested again a supervisor to call me. still no call from a supervisor. They told me last month they was going to mail statement I still have not received anything from them. This is going on 3 months now that it has been disputed! It should not take this long to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 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: Harvard Collections, LLC
State: IL

Complaint narrative:
I discovered my credit bureau reflected a collection for XXXX phone service via Harvard Collections. On XXXX XXXX, I called Harvard and spoke to a XXXX to request a copy of the letter she claimed was sent to me. I had already heard from XXXX prior collection agencies, and I disputed the claimed debt with very specific and documented reasons for my dispute. XXXX at Harvard claimed she would resend the letter via fax and email and remove the item from my credit bureau. This did not occur, so on XXXX XXXX, I wrote to Harvard with copies of my previous letter to other collection agencies explaining I did not agree with the debt and inviting litigation to resolve the matter. Instead on XXXX XXXX, 2015 I received a copy of XXXX 's erroneous bills. I wrote back to Harvard on XXXX XXXX explaining the bills were erroneous and in dispute. I have not heard back, and this item remains unjustifiably on my credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-02-04 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: GA

Complaint narrative:
Convergent Outsourcing XXXX XXXX Attorney General Attorney General XXXX XXXX XXXX XXXX, WA XXXX XXXX, WA XXXX XXXX, WA XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : {$680.00} To Whom It May Concern : Convergent Outsourcing - I do not have any obligation to this debt you are inaccurately reporting on my credit bureau nor have I received appropriate notice from you & you are in violation of my rights! According to my credit file you reported this debt opened on XX/XX/XXXX, last reported XXXX/XXXX/XXXX ; I check my credit vigorously this information appeared on my credit report within the last few days I just checked my file not even 4 days ago so how you are reporting an open date nearly 2 years ago is beyond me! Pure XXXX! I want this removed from any credit reporting agencies you have illegally reported ASAP! 
XXXX - XXXX is this XXXX, it says you are the original creditor but that does n't make sense my account with you has never been late and I pay my bill. I thought this was the uncarrier XXXX - this is so out of the blue and VERY annoying, I suffer from XXXX and XXXX and do not need these irritations in my life- I do n't know who got my account mixed up or whatever but I do not owe this money! If you do n't correct this swiftly I will end my tenure and take my business to someone else more competent. 
Attorney Generals - I am formally filing a complaint against both of these companies for the false information they placed on my credit bureau report! This is ludicrous! Absurd! XXXX!! 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LoanNow, LLC  (Closed)
State: CA

Complaint narrative:
LoanNow has twice overstated the interest due on a simple interest contract. When I have in fact over paid them by {$14.00} they are saying I owe them {$27.00} and am now getting harassed by a collections company for {$95.00}. 

I have provided them with an amortization schedule twice now, the first time after speaking with their management they acknowledged the error and corrected their 'dashboard ' reporting tool and just now a second time showing the simple interest calculation. 

Additionally, this was a scheduled XXXX payment loan which I paid off in XXXX. 

They are defrauding their clients. I am certain if an audit was performed on their transactions you would find a lot more instances of this lender taking more interest than they should. 

I look forward to your response, XXXX XXXX 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 2016-07-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) CMRE did not even attempt to validate a medical bill that they have put on my credit report. I just went to see a mortgage lender and discovered their medical collection on my credit report. NO ATTEMPT at all was ever made to allow me to deal with this prior to reporting it and as such it is illegally on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Sprechman & Associates, P.A.
State: FL

Complaint narrative:
I received a phone call from someone at the XXXX. They stated they were attempting to collect on a judgement from XX/XX/2004 from XXXX. Upon stating that I had no knowledge of this judgement, the individual became irate. He continued to question me on whether or not I knew of the judgement. I stated once again that I was not aware of any judgement against me, especially one XXXX. I stated that I would not be acknowledging any liability of the amount requested without further detail. At this point the individual asked me if I wanted to resolve the issue now. I again stated I would not, and said they should go through the procedures to inform me of the details. The individual then said " oh we will be doing what we have to do ''. I requested his name multiple times and asked that I be mailed the information. The person immediately hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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:
I tried to use a Visa Debit prepaid card with the four digit number and it did not work. I also called the company using the " XXXX '' # on the back, the person who answered asked for a 16 digit # on the back of the card. I gave him the # he asked for the value of the card, I gave him that information. He said to use the last 4 digits on the front of the card as the pin #. Once again it did not work. I used a different " reliable '' previously used debit card returned back some of the goods and paid the bill and left.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 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:
XXXX opened account under my name with no consent and send to collection. Collection Agency is going damage my credit. Tenants never open account on XXXX XXXX and after two years and half XXXX XXXX found it and do not prosecute the person who used the service. I went to XXXX XXXX office in XXXX XXXX and they asked me to give proof with leases. I gave them leases and evictions. The clerk took copies and said we contact you. Yesterday i received the collection letter. I will not pay services i never used also XXXX XXXX did not send the interruption service timely to avoid this. Please helpme to stop this abuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: NH

Complaint narrative:
On XXXX/XXXX/16 I paid my mortgage payment to BSI Financial Services through their web portal. on XXXX/XXXX/16 I called BSI ( spoke to XXXX ) because I noticed the payment was never debited from my checking account. They told me the payment was returned for insufficient funds because my checking account was closed. I informed them that my account was not closed, but agreed to call my bank. My bank confirmed that my account was still open, in good standing and BSI Financial had not attempted to debit my account. I then called BSI again and after being disconnected twice was finally able to speak to an agent named XXXX. I explained to him that BSI had never attempted to debit my account and he said it could have been an error on BSI 's part. He agree to process my mortgage payment over the phone and waive the usual {$20.00} fee. I asked if he would also waive the late fee since the error was not mine and I did attempt to make the mortgage payment on XXXX/XXXX/16. He instructed me to call back and request that the late fee be waived after my payment was processed and debited from my checking account. On XXXX XXXX, 2016 I received a letter in the mail from BSI Financial informing me that I owed a {$25.00} Non Sufficient Fund fee. Today, XXXX XXXX, 2016 I called BSI ( spoke to XXXX ) to ask them to waive the late payment fee and the {$25.00} NSF fee and was told by agent XXXX that she was not authorized to speak to me because of an active bankruptcy. I AM NOT IN AN ACTIVE BANKRUPTCY. She informed me that I would have to fax a letter of authorization giving BSI Financial permission to speak to me, which I did today. Also, please note that I have spoken to BSI Financial agents on seven other occasions since XXXX XXXX, 2016 and have never been asked to provide an authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
XXXX XXXX gave an estimate for a medical procedure ( XXXX ) .My insurance would pay for a certain amount, & I would be responsible for approximately $ 600- {$700.00}. My doctor said that if the insurance would have paid more, then he would recommend the XXXX, so the doctor & myself decided not to get the medical procedure ( XXXX ). That is when XXXX XXXX offered to lower their price so they could get the business. XXXX XXXX offered to do the procedure for the amount the insurance would pay. They performed the XXXX and I did not receive a bill from XXXX XXXX. XXXX XXXX sold to XXXX XXXX & then 16-17 months after the XXXX was performed I received a bill from Mosaic for the XXXX that XXXX XXXX had performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
I refinanced my mortgage and there are additional cost added to my bill that BSI financial want explain what they are. I was told that my attorney would explain it to me.

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 2015-08-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
My HELOC was transferred to BSI in Pennsylvania in XX/XX/XXXX, they always messed up my payments, and recently I just called to get my rate information, to no avail. My loan is now transferred to another company. 
I need my rate information, as I feel they might have put it in wrong, and at 2.25 %, with all the payments I have made, my loan should have gone down substantially, which it has not. 
I have not been on top of this, as I have been taking care of XXXX friends who have XXXX, and the past XXXX years have gone by so fast. I just caught up with everything, and I noticed that the information they sent to the new company is off by 1 %, so I need to get the correct information from BSI. 
BSI sent me a print out, which I ca n't make heads or tails out of, and I have been in XXXX for over XXXX years. They seem like they are quite backwards as far as their computer system. 
I want to make sure they have the correct rate information, as my rate is always 1 % lower that the prime rate in the XXXX XXXX XXXX. I have made many payments over the monthly payments, which should have been going to principal, so I do n't understand how at the rate I am, that my HELOC has not really gone down. 
I would appreciate any help, as this is just snowballing, as BSI has sent out the wrong loan information to the new company XXXX XXXX XXXX in XXXX California. They have my rate as XXXX, and as indicated by the FDIC, which took over the bank I originally had the loan with, my rate will always be prime minus 1 %. 
I am asking for help in this matter, a $ XXXX loan that I started with in XX/XX/XXXX, should not be $ XXXX, I have made payments above the minimum payment, and always to principal. 
Thank you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
In XXXX XXXX I purchased a home and financed it along with a co-borrower with 21st Mortgage Co. The Loan number is XXXX. 21st Mortgage reports this loan on my credit report yet they do not put my name on any mortgage coupons, mortgage statements and XXXX interest statements. This is unacceptable. I live in the residence I financed and the co-borrower no longer lives here and has a change of address which means I do not have access to my mortgage coupon, mortgage statements, any mortgage notices or most importantly the XXXX interest statements. 21st Mortgage needs to correct this information and put my name on all corresponding documents including year end XXXX interest statements as i am fully entitled to claim interest payments on my mortgage. I am requesting that they issue CORRECTED XXXX INTEREST STATEMENTS FOR XXXX, XXXX AND XXXX IMMEDIATELY TO CORRECTLY HAVE MY NAME APPEAR ON THEM and that they also issue new mortgage statements and coupons asap. 21st Mortgage is located at XXXX XXXX XXXX, XXXX, TN XXXX. Their phone number is XXXX and their XXXX number is # XXXX. Please help me have them correct this matter immediately.

Company response to consumer: Closed with explanation