vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-15 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: BlueChip Financial
State: CA

Complaint narrative:
Had taken out a loan with Spotloan XX/XX/2016. I stopped paying on the loan because I no longer could afford the payments. After consulting with an attorney, she suggested that I file a complaint against this company for violations of the FDCPA and Rosenthal FDCPA as she determined that this company along with his prior collection companies, engage in serious collection violations which has caused me and my family a great deal of distress. The individuals representing this company bullied and intimated me as well as called me on numerous occasions threatening legal action, wage garnishment, etc. if I did not pay this debt and refused my requests to contact my family members, called me a " deadbeat '' and other defamatory comments and threatened to continue to call my family members despite my request until I paid the debt. I also received multiple calls from their " process server '' who called me as well as my family members threatening to serve me with papers even though no law suit was currently pending. The collectors left messages with a case number which did not exist in the court system according to my attorney. In addition, my family members were repeatedly called by this company even though they knew how and where to reach me. The distress over the repeated contacts, threats and harassment to me and my family coerced me into making a {$200.00} payment last month that I could not afford. This whole incident finally led me to contact an attorney to represent me in this matter and who also directed me to file a complaint with the FTC as it is her opinion that this company engaged in borderline criminal and unlawful debt collection tactics. I 'm filing this complaint in the hopes that this company can be stopped and put out of business so as to not put any other people in the situation that they put me through.

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 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: AZ

Complaint narrative:
I have not recieved my deposit from XXXX, i was supposed to get it last Friday and as if today no deposiit. I have XXXX. I can not get my medication to XXXX. I am running out of electricity, no food. And all I get from Rushcard is we are working on it. What am i going to do. I am hoping i do not end up in the hospital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Delta Management Associates, Inc.
State: PA

Complaint narrative:
The collector garnished my wages without notice. After multiple requests for an appeal by phone and email, I received my money back. I emailed the ombudsman and the management company requesting the rehabilitation verbally offered to me but never sent in writing. I requested only mail contact and stated my intention to repay. The company will not respond and I have almost been back to work for a year after unemployment ( the reason the garnishment was not legal and to which the company acknowledged fault by mailing me a check ). I have provided my address and since day 1 they refuse to put any option in writing or let me have a written copy of the rehabilitation to review. I want to pay this off but I fear after aggressively pursuing and winning over the illegal garnishment that they intentionally are refusing to respond so my year expires and they can pursue garnishment again. The other issue with telephone communication was mu request to speak to a supervisor and her denial their website nor the law protects individuals for 12months after returning to work after an involuntary end employment.

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 2016-11-07 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: IL

Complaint narrative:
I have submitted two settlement claim through claim form online and by mail. Rush cards is not letting me know the status of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-02 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 is XXXX pulling a scam. XXXX confirmed my cancellation and recieved all the proof they asked for but still has not resolved this issue and claiming I owe for a phone which is a complete lie ( proof provided ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
WORKS & LENTZ was contacted by us on the WORKS & LENTZ website at XXXX on XXXX/XXXX/2016, by email on XXXX/XXXX/2016, and by phone on XXXX/XXXX/2016 to stop contacting To stop contacting contacting us. WORKS & LENTZ was informed if they continued they would be in violation of the FDCPA Guidelines for Collectors. We requested for WORKS & LENTZ to send list of all debt owed within 30 days. Once debt was validated they would be paid in full within 90 days. We received a ambiguous and vague bill via court summons ( lawsuit ). WORKS & LENTZ contacted local extended family and extended family several states away. We settled out of court paying full amount owed. WORKS & LENTZ then tells us we have to pay there fees for the lawsuit filing. Yet if they had sent us a bill that requested withing 30 days they would have been paid in full. We believe WORKS & LENTZ used this as a tactic to get extra money. We have website print out if needed of attempt to contact WORKS & LENTZ on there website. We also have email if needed where we attempted to contact WORKS & LENTZ by email

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
This debt is not known ; I have never owed a balance to this company. My account is still active with this company, never past due which is strange since an account with them is reporting negatively on my credit file. 
I request full statement of this account and any information pertining to the contract ; when opened and where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
I received a statement fro Convergent Outsourcing, Inc. claiming that they were collecting an overdue balance of {$45.00} from XXXX. I googled Convergent and found other people who have been scammed in the same manner. 

I am a XXXX member and I reported this event to them. They suggested I contact the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 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: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
We started receiving calls from Firstsource ADV XXXX XXXX XXXX last summer about debt collection for someone else. I called back on XXXX XXXX, 2015. I told him that they have the wrong number and they were reaching the XXXX residence. In other words, they were calling the wrong person. We were rudely asked " what phone number do you want me to remove '' and we told him. He refused to take the case number ( XXXX ). However they still are calling us, and just called this morning, XXXX XXXX, 2015. We want this to stop!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: United Group Inc.
State: NV

Complaint narrative:
From. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Cell : XXXX : The Consumer Financial Protection XXXX XXXX DCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX service connected post XXXX and XXXX XXXX veteran of the XXXX XXXX and XXXX XXXX XXXX XXXX a XXXX Mersades Benz e320 XXXX door coupe XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada for {$6000.00} and the vehicle was financed through United Finance located at XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Their telephone number is : XXXX. The car broke down because the fan belt came off and the hose ruptured while I was on the freeway and at the time I was not a XXXX service connected veteran, so I had to miss a payment or XXXX to get this car fixed which I had to pay {$720.00} out of my own pocket. When I tried to explain this to the United Finance Company they acted like they did n't care and started charging me as I discovered today {$4.00} per day in intrest or 35 % intrest and when I started writing them post dated checks via XXXX XXXX bank for {$310.00} per month and I found out today XXXX from United Finance when I called them that I have only been paying on the daily intrest and very little has been going toward the principal of my loan. No wonder I still owe {$5100.00} after I have had this car over 11 months and the car broke down again on me XXXX more times and I had to spend another {$790.00} plus another {$2700.00} to keep it running. I am just being screwed all the way around. I am a XXXX veteran on a fixed income and it is wrong by them especially all I was trying to do was re establish my credit so I could get me a new 2015 Chevy Impala from a respectable XXXX Dealer at a veterans discount. I cant even get out of this car or contract with the interst of a loan shark. I need your help in this. Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 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: Convergent Resources, Inc.
State: TN

Complaint narrative:
I disputed several things on my XXXX credit report and I am trying to make sure that they are removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 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: IL

Complaint narrative:
Convergent Outsourcing Inc never sent me anything in writing concerning a debt from XXXX. Furthermore they have been calling me numerous times on my personal mobile from a local number ( XXXX ) and they are located in Washington. I spoke with a representative and she informed me that the amount that Convergent Outsourcing was charging me an additional collection fee because my account was sent to collection. Lastly the representative express that they have a random automatic dialing system that calls me numerous times a day from a local number to increase the chances of speaking with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
XXXX XXXX turned an overdue bill over to Optimum Outcomes on XXXX/XXXX/XXXX for {$230.00}. On XXXX/XXXX/XXXX XXXX was paid and they requested Optimum Outcomes to return the account, ( XXXX ). The recent credit report still shows that the Optimum Outcomes have it as an outstanding debt, when in fact it is not. Optimum Outcomes shows a zero balance so they need to remove the entry from my credit report. 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 2016-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: EMBRACE HOME LOANS
State: GA

Complaint narrative:
I was refinancing with the same company I started my original loan was with, which is Embrace Home Loans. during my refinancing process the loan officer assured me with a signed contract that as long as my appraisal came back with at least {$100000.00} I can get up to {$13000.00} cash back and about {$3500.00} debt paid. needless to say, after paying {$500.00} for an appraisal that came back at {$110000.00} the refinance is not going through. per my current loan officer ( XXXX XXXX ), the {$5000.00} that I received for down payment assistance through XXXX has to be paid back. this was n't informed at the sign of my original loan nor did my current loan officer know this either. he said to me, " all the loans he has seen in the past those loans have been forgiven after 5 years ''. therefore, he told me to call and check on it. of course, XXXX states i owe the money. Now, there 's a {$2000.00} modification lien i did in 2014 that according to my loan officer denies me from refinancing for 3 years and 1 day ( it 's a hud modification ). I 'm not sure, I 'm in the process of getting those papers. my complaint at this time is the fact that i was told to pay {$500.00} for an appraisal without the loan officer looking though my paperwork thorough because he wanted to close early over efficiently. what i want is a refund of my {$500.00}. i was trying to refinance to get out of debt, now I 'm {$500.00} more in debt. i ca n't afford my current mortgage and all the extra bills that come with. I 'm tired and i need help! please!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-07 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: TX

Complaint narrative:
FOR SOME ODD REASON THIS COMPANY THINKS THAT THEY CAN IGNORE A PERSON AND HARASS THEM LIKE THERE IS NO TOMORROW. I HAVE ASKED EVERY TIME THAT THEY CALL AND TO DELETE FROM MY CREDIT REPORT BUT THEY HAVE CONTINUED TO DO BOTH.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 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: NY

Complaint narrative:
Back in XXXX or XXXX I bought a phone plan for one year but the salesman contracted me for two years and I refused to sign the contract. I contacted XXXX about the issue, was told by them they ca n't make changes, all adjustments must be made at place of purchase. When I returned to the store it was under new management ( a ploy to avoid me ), I returned the phone by mail within the specified return dates then two years after the harassment began from several debt collectors.Convergent Outsourcing Inc. is very consistent with their threats and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 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: CA

Complaint narrative:
Designed Receivable Solutions - XXXX XXXX XXXX XXXX, Ca. XXXX XXXX Incorrectly reported what it seems to be a medical bill from XXXX XXXX XXXX XXXX XXXX in XXXX, Ca. I have tried numerous times to have the collection removed from both credit agencies. They have admitted this debt belongs to someone else. They are requesting a copy of my credit report. I have a problem providing that information to them, and I do n't feel comfortable sharing so much confidential and private information. They claimed it is my responsibility to prove they made a mistake. I am willing to share a portion of my SS # and a copy of my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This has been an ongoing issue for quite some time with Equifax. I have asked on multiple occasions that Equifax remove a public record that is appearing on my credit file. I have contacted the bankruptcy court who informed me that they did not furnish the information appearing on my credit report. Equifax informed me that XXXX provided this information to them. I have asked for proof of how they verified that the information reporting belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I have had numerous medical bills from XXXX XXXX, XXXX, NC. These bills were turned over to Optimum Outcomes for collections. XXXX XXXX has made phone calls and provided documentation to Optimum that these bills are considered settled due to financial hardship on my part. Optimum Outcomes has not reported and/or provided documentation to me stating the account has been removed out of collections. These bills are standing in the way of me co-signing a student loan for my son for college. When I have tried to escalate my calls to speak to a manager I am always told that there is not one available

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 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:
Optimum Outcomes, Inc. filed a collection on my credit report. In the past, my late fathers medical bills had been mixed with my bills because I cared for him and we shared the same doctors. I disputed the debt with the credit reporting agency. Their investigation came back verified. I contacted Optimum outcomes and the lady was rude and was not willing to communicate other than stating I owed the debt. I then wrote a request to Optimum Outcomes for proof of the debt. They responded with only a letter showing the same information that was on the credit report and stated this was their validation and they were only required to do this once. No proof of agreements between me and the original creditor, the creditor and collector, payment history, original agreement, itemized statement or anything else that would prove the debt. Only XXXX insulting letter for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: ClearPath Lending
State: CA

Complaint narrative:
This company Clear Path Lending, has sent me mailings that have logo and seals of the Department of Veteran Affairs, when I called they told me they were the VA! I 'm not the only person they have done this to based on looking them up. They have been sued for fraud in civil court which could be found online. Also there is a genetleman that owns the company that they try to hide his same is XXXX XXXX, he is also the same guy the does be XXXX XXXX in a company called XXXX and XXXX and XXXX XXXX. This guy changed his name to XXXX XXXX in the XXXX. They are pretending to be the veterans administration! 


ClearPath Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
I am not XXXX. I get frequent calls from businesses and creditors looking for him. I do not know him. Some businesses continue to call even after I 've told them this is not his number and I do not know him. I have even been called a liar. Today, a woman who identified herself as XXXX from American Collection Services Inc informed me that she or her company will continue to call because XXXX gave this number. She says that as long as this number was provided they can call because it is not their fault. I told her that I would file a complaint if she called again. She said go and ahead and file it because they will call again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Firstsource Business Process Services, LLC
State: NC

Complaint narrative:
this account was a result of my identity being stolen and yet their is a collection for services or things that i never was there for it was opened because of my identity being fraudulently used ... i have since filed updated police report and notarized affidavit of id theft from the ftc

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