vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-02 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: PA

Complaint narrative:
This collection is for my wife 's car insurance. I was n't a licensed driver until 2013 and It never went into collection it was a late payment. My wife thought the insurance was paid for the year she said that when the late notice came she realized her mistake and paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 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: OK

Complaint narrative:
I get calls for a XXXX XXXX and that 's not me. I have told them numerous time but they continue to call. The calls start at XXXX and continue through out the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 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: OH

Complaint narrative:
I check my credit score on XXXX and see a debt from convergent which I have no idea what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 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: WY

Complaint narrative:
Fraudulent charges were reported on my XXXX account. I took numerous efforts to resolve this with XXXX directly. I was told no debt was owed. I then was contacted numerous times by this collection agency after telling them that the account was in good standing. 

After resolving the issue with my own creditors, I contacted the FTC and the XXXX about the issue and made complaints on my behalf regarding the errant reporting done by XXXX as well as the collections agency. I received no calls from the collection agency after until today, XXXX XXXX, 2015, almost a year later. 

I explained again that XXXX errantly reported my account, that I have legal representation and am a part of many customers who were a victim of a class action lawsuit filed against XXXX. I told them that I can not be called during work hours, as it is not allowed for me to take personal calls, and that they should not be contacting me any further. I told them the XXXX time that if they wanted to contact me, they could speak with my lawyer, and they never have called him once to this day. I am still being harassed for no reason about money that XXXX told me I did not owe! Any efforts I made to reconcile the account, I was told I still owed money, even though the justification for the charges were errant ( such as being charged a contract termination fee, when I did not have a contract ), and when I had originally closed the account and talked to the representative, I was told I did not owe XXXX money. Then two months later the debt collection agency contacted me without any forewarning, letter, call or e-mail from XXXX saying I had money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I recieved a Debt owed letter from Convergent Outsourcing, Inc ; Regarding Creditor ( XXXX ), Original Creditor ( XXXX ) Total Balance supposedly owed is {$690.00}. I have tried repeated attempts by phone to contact all parties and none of them seem to be able to tell me information about this account. They all say there 's no recorder of this info, however I have the letter and believe this debt was already paid for in past. Please have this taken off all credit bureau reports ( XXXX, XXXX, and XXXX ). Thank you and Please send info by mail or call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Rodenburg LLP
State: MN

Complaint narrative:
A debt collector by the name of rodenburg law firm in North Dakota has threatened to sue me for a credit card that fell into debt because of hardship in which the original creditor knew it was being closed for that reason. This debt collector tried serving me papers at my previous address and their representative harrassed my parents there in the process. I then got in contact with this debt collector erxplaining I am experiencing hardship and explained that the original creditor knew of the hardship. I tried to work with the debt collector in telling them I could only give so money so much each month but they refused my offer. THEY REFUSED MONEY FROM ME. They are still attempting to SUE ME when I have nothing and still experiencing hardship and receive public assistance which in some states that could prevent the debt collector from attempting to garnish wages. It says on my credit according to trans union that this account has been removed and is pretty much wiped off. Also I am in the process of going into bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
THEY ARE TRYING TO MAKE ME PAY A DEBT I DO NOT OWE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE. XXXX XXXX. {$130.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: AZ

Complaint narrative:
The office at XXXX Hospital personally keyed in the credit card info and amount said to be charged, each time we were there. Because they did not put in the right amount they are holding me responsible. It would be one thing if it was a one time mistake, but they charged the same amount 3 times and then say I did n't pay all of it. The card was to be run for the full amount.

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 2016-08-04 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: IL

Complaint narrative:
On XXXX XXXX, 2013 I filed a police report ( # XXXX ) regarding identity theft when I learned someone opened a XXXX acct under my maiden name because of a bill I received and confirmed with XXXX. XXXX sent me paperwork to fill out which I sent back to clear me of the debt. ( XXXX fraud case XXXX. I just received a bill recently for the same debt from collection agency, Convergent XXXX, same acct #

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P.
State: IL

Complaint narrative:
I got a call from XXXX. It was a recorded message saying that they were collecting a debt and they were from Credit Protection Association. They left a reference number and to call a number to make payment. 
Payment for what? I researched CPA, called their billing department. There was no answer. 
Right after a hang up. I got a call from Florida, XXXX. It was a man asking for XXXX. I can hear him typing. I said wrong number and he hung up. Ca n't be a coincidence. 
Now XXXX checked my credit yesterday, XXXX XXXX. 
Both XXXX, and CPA collect debts. But why do n't they say what debt or who are they representing? I checked my credit, and I do not owe anything. 

Please check into Credit Protection Association. They may be working with XXXX. May be the same people. 

It 's not right that they scare people like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc.
State: OR

Complaint narrative:
I purchased a {$500.00} load it pack for my paypower pre paid credit card on XXXX XXXX. With no prior notice to their customers they added a new level of security to their process called " safe ''. 
The program was not ready to be implemented with all of the issues they were having accessing the safe program. I purchased this card to pay XXXX bills that were due immediately so I closed my account with paypower and asked for a refund check for my {$500.00} reload it pack and still have not received my refund check as of XXXX XXXX, XXXX each time I call and speak with XXXX she assures me the check is on the way and the date comes and goes with no check. I feel I have been scammed by this company and just get lied to repeatedly. XXXX months is not acceptable time for a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
Company has stated to myself and CFPB that they would remove negative info from my credit file according to Case number : XXXX negative info still remains on my XXXX report for {$420.00} and {$140.00}. I ask that these are both removed from my XXXX report as they said they would do. These collections are preventing my husband and myself from obtaining a good report and keeping us from being able to purchase a home. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 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: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I contacted the company Credit Protection Association in XXXX Texas and paid them the amount owed per their contract with the original creditor XXXX in XXXX Florida. I am currently purchasing a home and asked them the supply a letter stating the account is paid in full. After contacting them several times over the last three weeks beginning XXXX XXXX, they stated will take 24-48 hours to update in their system. And I will receive a letter in two weeks, when I moved out of my apartment on XXXX XXXX, I still had not received the letter. 
I contacted them again on XXXX XXXX @ XXXX EST and they still have not supplied me with a letter stating the account is paid in full. 

I spoke with the Floor Supervisor, XXXX, who puts me on hold and 22 minutes later, tells me they emailed me, but than states she wants me to give me the name of the lender with my personal information and they will call them. 
I stated I would like the letter they promised when I contacted them on XXXX XXXX.

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 2016-12-18 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: FL

Complaint narrative:
There are XXXX accounts in my name. XXXX is mine.

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 2017-01-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: MA

Complaint narrative:
I have been working with a realtor over the past several months specicialy 12 months. This realtor has done a horrible job and really did NOTHING to help me with this short sale. I totally mislead me into believing that he was actually working for me. He was never able to actually get a legitimate buyer and able to get the bank to work with us to complete the short sale. Now I have an attorney and a new realtor ; helping me get thru this process. I have an offer that I am going to accept and submit to BSI financial. I would ask that BSI stop the sale and allow me additional time to effectuate this sale and avoid foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Protection Association, L.P.
State: OH

Complaint narrative:
Since I blocked there number on my phone, ( they use XXXX different numbers ) I have received over XXXX calls. Sometimes up to XXXX times a day calling me. If I pick up and hang up they will turn around and call again. Last Monday XXXX XXXX they called me at XXXX, XXXX and again at XXXX. Along with every day of the week they constantly call me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
I have a unpaid charge card debt. Kohn law firm is now trying to collect on the default judgment against me from XXXX XXXX charge card debt. They found out I am exempt from garnishment because on state and federal aid so they are trying non earnings garnishment on my checking, savings and pay from a customer-employer. the court commissioner ruled my pay earnings as defined in the Wisconsin state statue but XXXX has appealed trying to use a unpublished appetite courts ruling as president for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
This company has reported an account to the credit bureaus which is currently reflected as.negative.information on my credit file. As a result I have received adverse action and high interest rates. I never received any notice or a right to dispute.this account. The debt is in the amount of XXXX and this company never served.me.any notice, gave the right to dispute.nor have they validated this information as it is requires.by law.

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 2016-06-28 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Nationwide Debt Management Solutions, LLC
State: SC

Complaint narrative:
Nationwide DMS, representative XXXX XXXX called my co-worker today on XXXX XXXX at a number I did not provide, asked my co-worker if they worked with me. He provided a call back number of XXXX and asked my co-worker to provide his number to me and have me call him. He then asked my co-worker is she was my boss to which she replied NO and he asked for the name and number of my boss, which was not provided. My co-worker now knows that I have a debt collector looking for me and I absolutely did not provide my co-worker 's contact information. 5 calls placed to my direct line at work on XXXX XXXX, 3 calls placed to my cell phone on the same day. Very aggressive collection practices and disclosure of my personal information in regards to my debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
The reason for my complaint is because I have had an issue with Identity theft. I have filed a police report and sent it to chex-systems and they have corrected the fraudulent information. But I have had a more recent situation in which I have faxed Chex-systems the amended police report and they have not responded to my request. There is a charged off amount reported for account abuse for {$37.00} that is a result of identity theft and there are several inquires showing on my report that are fraudulent as well. The only inquiries that should be showing on my report are with XXXX XXXX and and XXXX XXXX XXXX. I sent chex systems this information in XXXX and they have not responded to my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Movement Mortgage LLC
State: NV

Complaint narrative:
The lending agent sent me a disclosure for a closing amount on our mortgage. I had to provide more than {$1400.00} more when I signed with the title company. XXXX XXXX XXXX did not keep in contact and avoided communication with everyone involved with closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BOK FINANCIAL CORP
State: CO

Complaint narrative:
I made the horrible mistake of opening a XXXX 's XXXX membership. Despite the agreement stating clearly that it was an agreement that could be ended with XXXX day notice prior to the next billing cycle, XXXX 's did their typical behavior and pretended they never got my notice of cancellation. When they charged my card again, I went to the bank and asked them to stop all payments to XXXX 's. They refused and told me that only XXXX 's could stop the withdrawls. I asked to close the account and was told that until XXXX 's ended the withdrawls, they would not close the account. XXXX 's refused to ever acknowledge that I had ever contacted them. I then emptied my bank account and moved to another bank, unable to close this account. XXXX 's kept charging to it, despite having received the letter ending the contractual relationship -- -a copy of which was shown to the branch manager of this bank. Of course, the account was empty, but XXXX 's kept charging. This bank started implementing fees for overdrafts, and I kept complaining and they did nothing. They said they 'd contacted XXXX 's who never responded and since they did n't respond, this was presumed to be an affirmation that the contract was in place and that they 'd allow XXXX 's to keep charging the account. I asked again to close it, and this bank refused to close it and instead kept charging me overdrafts. Ever read XXXX? That is the logic behind this bank 's behavior. 

Now, I left my current bank and now can not get a checking account because this idiotic situation. XXXX has a very very long and established reputation of doing exactly this to people. The local XXXX went under and was bought out by XXXX hour XXXX and nobody will take any responsibility for this, saying that I have to pay hundreds and hundreds for overdrafts caused by a company with a bad reputation and a bank that refuses to help it 's patrons. 

Thank-XXXX I did n't put all of my money into this horrible nightmarish bank. I would absolutely recommend that anyone considering this bank run as fast as they can, and that if you have an account with them, that you close it ASAP and get away from them fast! 

I 'll be happy to testify in any class-action suits, or if you 're an attorney, I 'll happily be your plaintiff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
This company took {$300.00} out of my checking account without my permission starting on XXXX XXXX, 2016 XXXX web id 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 2015-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have attempted to open bank accounts at XXXX different banks in the last year. All XXXX have denied me saying that I have records reported at ChexSystems. I have ordered by ChexSystems report and all areas for Reported Information, Inquiries Not Initiated by XXXX, XXXX, and History of Checks all say " No Information Found ''. I do n't understand why I 'm being denied bank accounts? Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation