vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Reese Law Group
State: CA

Complaint narrative:
I got a loan a while back with XXXX, back then I was not able to pay the loan so I called them and ask to take it back. After after months I got a letter that I had a balance with then and send it to collections. I have been paying this lean for over XXXX yrs and it seems I never pay it off. it seems that this lawyer is trying to make more money then what the balance was. I have paid more then what was owed. I had talk to someone and told me that I had paid more that I owed but I was still paying instrest, I need help I do n't know what to do to protect my self. 

I will like for someone to help me get read of this guy and to let them know that I have paid more the enough. My name is XXXX address is XXXX XXXX ca XXXX phone number is XXXX. 

XXXX case number XXXX XXXX # XXXX XXXX CA 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 2016-02-25 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: OH

Complaint narrative:
CMRE Financial Services of XXXX CA, specifically, XXXX and XXXX XXXX, submitted collection actions to the credit reporting agencies which dropped my credit score over XXXX points and prohibited me from getting jobs as I work XXXX and the collections on my account would make me ineligible for jobs in the industry. I contacted CMRE and they acknowledge that reporting invalid debts is illegal they only apologize and state they will remove them from the credit report. This does n't fix the fact that I 've been unable to apply for jobs due to the collections being on my report. The debts were clearly paid and no longer existed but CMRE did n't do due diligence to ensure the debts were valid and legitimate. They refuse to accept responsibility for their wrong doing.

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 2016-12-22 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JAYANDBEE INC /dba/ HOOSIER ACCOUNTS SERVICE
State: IN

Complaint narrative:
my wife called hoosier accounts to ask about a paid judgment. hoosier accounts stated they had no record of paid debt then hoosier accounts decided to tell my wife about a unrelated debt and amounts supposedly owed. I did not give hoosier accounts permission to discuss any account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 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: NJ

Complaint narrative:
Convergent Outsourcing , Inc has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt

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: IN

Complaint narrative:
I submitted a complaint against Convergent Outsourcing Inc in XX/XX/2015 ( case : XXXX and XXXX ), which was resolved. Now I 've received another attempt to collect on a debt I know nothing about. I am going to send them a letter to dispute their claim and request validation of the debt they 're claiming I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 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: MD

Complaint narrative:
I paid off a credit cell phone bill for XXXX in XX/XX/2012. Since XX/XX/2012 this bill has been passed around and opened in my credit report by different collection agencies. I have had to dispute 3 times with XXXX and the debt was removed and now it is opened up again on my XXXX report by a new collection agency. On top of all of this I am being harassed and called.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 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: TN

Complaint narrative:
XXXX and Convergent Outsourcing are negatively reporting on my credit report with XXXX and XXXX that I am late and owe {$320.00}. I filed police report # XXXX and Report # XXXX regarding identity theft with the XXXX XXXX Police Department. This is an unauthorized account. I would like XXXX to stop selling my information to debt collection companies for an unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 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: CMRE Financial Services, Inc.
State: AZ

Complaint narrative:
On XXXX XXXX, 2014 My daughter went into children hospital for a procedure. I was ask to prepay the procedure in advance so that I would receive 50 % off. I complied and paid that bill. My son became ill during shortly after when I called for to set up a prepayment plan. They said they combined all the charges together and I was on a payment plan. I have been paying XXXX a month. In XXXX I started receiving different bills. So i called in. The operator on the line state the prepayment was not applied and it would be sent for management review. She said no way I should have anything to pay. IN XXXX I was sent a multiple bills. I then called in. The lady on the phone said the prepayment was not applied and I did not need to pay it. This would be sent to review. In XXXX I received another statement. Before I had a chance to call. I received a collection notice.from CMRE I then called them. They said it was XXXX from children which is what I pay monthly. They said to call children as if I am making that payment monthly it must be a mistake. I called children and then I was told it would be sent to management review pulled back and put in the payment plan I am playing. Today children called and said that they cant see anything although the first XXXX agents read the notes to me. It was in collection and they would not help me. A final statement was sent with no explanation of benefits. Now they are destroying my credit just because I listen to them and send them still to this day XXXX a month. As our payment was achieve. I can not help it if there agents split things off my bill and failed to explain what was happening.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 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: MD

Complaint narrative:
I have sent a letter to Convergent Outsourcing because I want to settle my outstanding debt. However, I have not heard from them. I would like to settle for at least half of the balance outstanding and have the collection remove from my credit report. Please assist me. I am trying to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 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: Neuheisel Law Firm, P.C.
State: TX

Complaint narrative:
Neuheisel law firm contacted my phone number and my wife 's cell phone looking for her brother. They stated he listed the numbers as contact information. They lied, he does not know our home phone number. This company is skip tracing relatives to get to him. When told not to contact us, they called my wife 's number. 

This company is engaging in illegal communication tactics. They get rude when you tell them to lose my number. Lastly the home number they contacted is in Texas the person they are looking for is in Arizona.

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
Consumer complaint received 2017-02-20 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: CA

Complaint narrative:
Convergent Outsourcing is trying to collect on a XXXX bill that is not mine. They have reported the debt to XXXX and XXXX as a collection. I do not owe this debt and I have never owed anything. The debt is for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 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:
upon checking my credit report as I do very often, noticed Convergent outsourcing reported a collection 3 times and unpaid account 2 times for a XXXX account. I have not had a XXXX account in over 10 years and i do not owe them any money either. There is no XXXX collection. I disputed through XXXX. Convergent has reported collection account again and is unable to provide any proof of a balance. Now i am receiving letters to pay a debt that not only is dead but far exceeds the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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: WA

Complaint narrative:
I called Convergent Outsourcing INC ( XXXX XXXX XXXX XXXX XXXX Wa XXXX ) about XXXX different potential negatives showing up on my XXXX report. The dates were XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. When I called I was transferred to XXXX different people asking for help because nobody could pull up the information for me. The last one was ridiculously rude. All she would tell me was to call XXXX. I asked for a XXXX phone number and some sort of reference number. She said " I ca n't do anything for you CALL XXXX! '' then hung up. I had called XXXX last year when we refinanced our house and this was suppose to be taken care of and was not. XXXX apologized at the time for somebody else in their system that was clearly not me using my SS #. Now I have credit agencies that are allowed to ding my credit with NO PROOF I did anything wrong and NO PROOF they even tried to contact me to resolve it. How is this our credit rating system?? Companies can just go around reporting negatives against me with no proof, and it costs me hours of time to fix and they have no accountability to give me info to resolve it? Seriously??? Somebody needs to follow up on this Convergent Outsourcing Inc . They are terrible. The other company I found reporting potential negatives on my report was Diversified Consultants IN ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). They put information on my credit report XXXX/XXXX/XXXX. I called them and they would give me absolutely no information. Asked me for my SS # and name and phone number and said they would remove the info. So again somebody is free to just post information on my SS #? Nobody contacted me what so ever about this unpaid bill that is now lingering on my report. This is beyond ridiculous. I have a credit score in the XXXX 's and pay all my bills on time. There is no recourse for me to get back all the time I have wasted defending my credit, but these companies are free to post whatever with no proof of me doing anything wrong. We need this fixed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
This debt does not belong to me. I have requested documentation verifying that this debt belongs to me and I have not received it. I would appreciate it if this company could provide the information that they used to verify me as the owner of this account or delete this negative account from all XXXX credit bureaus asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EMBRACE HOME LOANS
State: AR

Complaint narrative:
I recently refinanced my house through Embrace Loans. A few days after closing in XX/XX/XXXX, they sent me a letter stating XXXX would be my new servicer. Then I received another letter in XXXX stating my new servicer was XXXX XXXX XXXX effective XXXX XXXX. My first payment was due XXXX XXXX. The letter from XXXX was dated XXXX XXXX, 2016. If I would have known all of this, I would have not gone with Embrace, I would have gone with a local bank or a XXXX XXXX. I was told my closing cost plus additional amount would cover my insurance and property taxes, I was assured by a representative from Embrace that this would be paid through the process. When I spoke with a representative tonight from XXXX on XXXX XXXX. They said the property taxes had not been paid for XX/XX/XXXX. She said that if the bill had been forwarded to me, they were not responsible for the penalty. And they would pay the penalty if were billed to them. I had no idea what she was talking about because I thought everything would be handled smoothly. Then she backtracked some, saying that it would be ok she was sure since I was new. I want to make sure my property taxes are paid and everything is legitimate. This is my XXXX complaint. Refinancing your home is big deal. I have lived hear for ten years. I want to make sure there is an accountability system here and everything will taken care of in a proper manner.

Company response to consumer: Closed
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
My account for XXXX services I received from XXXX XXXX XXXX was placed at CRME Agency for collection. The information in my file contains my personal information including my XXXX. Recently I have noticed suspicious active on my credit report in the time my account was place in CRME Agency. I have notified the credit reporting agencies and was advised to confirm that any third party that received my information in 2015 is compliant with 45 CFR Parts 160, 162, and 164 Health Insurance Reform : Security Standards ; Final Rule, Gramm-Leach-Bliley Act and California A.B. 964 and A.B. 964. I have made the request and CRME refuses to provide this information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 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: WI

Complaint narrative:
A XXXX agent represented a monthly service amount of {$34.00} on XXXX. After installation on XXXX, they started billing more than the agreed price. I paid the contract sum in XXXX, XXXX, XXXX and XXXX, but no overages. After many requests to fix the bills, XXXX XXXX failed. Since they breached the contract, not me, service was discontinued in XXXX XXXX, and they were not entitled to early cancellation fees. XXXX and their agents nevertheless started sending collection letters on XXXX. Fully aware of the dispute, XXXX XXXX tried to take {$270.00} using my credit card on XXXX, without my consent, or a Judgment. Their attempted theft was reversed. Over the years, XXXX agents, XXXX XXXX ( XXXX ), Financial Asset Mgt. Systems ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and Convergent ( XXXX ) all sent harassing letters. The latest Convergent letter arrived XXXX. XXXX and its agents know the 6-year breach of contract statute of limitations ran in XXXX XXXX. Collection efforts are now clearly illegal and frivolous, as they have no basis in law. Monetary relief is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 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: IL

Complaint narrative:
Entity describing itself as CONVERGENT OUTSOURCING : Daily -- and some days twice daily -- computer calls to my telephone leaving a message that I owe a debt and asking that I call. When I call, I am put on hold or given excuses -- THEY HAVE NEVER IDENTIFIED THE DEBT THAT THEY ARE TRYING TO COLLECT. To my knowledge, I owe no debt. My credit rating is superb and I have not received any type of written notice regarding any debt. I have been at my current address for more than 12 years -- thus, if any debt exists, a written notice should have arrived. None has.

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: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I ordered XXXX cable/internet service in XXXX 2013 for my apartment. I cancelled service and returned all equipment in less than XXXX days, and have been told on multiple occasions by XXXX representatives that I did not owe any money because of their " 30-day money-back guarantee ''. I received several bills afterward and have been harassed by debt collection agencies ( multiple phone calls a day ) for the past two years regarding a ~ {$200.00} debt I do not owe. Every time I reach out to XXXX they confirm that they see on my account that my equipment was returned in under XXXX days and I should not have been billed. They also continue to promise me that they would clear my account, yet the harassment continues. I have wasted countless hours dealing with this issue for the past two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I went to apply for a loan to buy a house, and it turned out I have collection reported on my credit report. when I called them it turned out I have a bill of {$340.00}, I do n't know where that came from, I have health insurance. but I decided to pay it same day because I never had any collection or debt in my whole life. the man from the collection company is called XXXX XXXX, the company name id designed receivable solutions ( www.drsi.ws ) and their address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX told me if I paid the bill I will receive a letter from him that I paid my debt and they will report to the XXXX credit companies that I am clear. the payment was made XXXX/XXXXXX/XX/2015 and you will see the transaction in the document attached. since that day until today I 've been calling him everyday and he is ignoring my calls saying I sent you the letter. I asked him to email it and he said that he cant, I asked him to ship it with tracking number and he can charge me for the shipping he refused, I begged him to send it and my last phone call with him, he said that I should realistic, and that I should have known better that he will not send me anything. and he did not remove the collection from my credit reports. 
I am really helpless and this is really unfair, I am the one who called them and paid my debt and he promised he will send me the documents and he is not. my life is ruined from this situation, I could not get the loan for the house. and I paid it. this is really unfair. please I need your help with this matter. just make them send me the letter and clear the bill from my credit reports. I had a high credit score but after the collection record came on my account, my credit score dropped. I never had any debt in my life. I pay my bills in time. this is really unfair and Sad. I really appreciate your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 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: Harvard Collections, LLC
State: IL

Complaint narrative:
Harvard Collection is attempting to collect for a newspaper subscription I never had. It was in the name of my late wife who died in 1991. The claimed debt occurred 14 years after her death. I attempted to explain this to Harvard and they obviously do n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I 've told several creditors that my identity was used fraudulently and that I was not liable for the accounts that were used and wanted them removed because I told the credit reporting agencies to ask for additional information etc because my identity was stolen / used fraudulently and credit was still extended without my knowledge

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 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: IL

Complaint narrative:
I just received a call from Convergent Outsourcing to call them back at XXXX because they are trying to collect a debt I owe. The call was automated. I just refinanced student loans two days ago and am absolutely positive that I do n't have any debt that I am currently behind on. I did a quick XXXX search to see if this entity has emerged in other complaints, and it seems that it has a notorious online presence. There is even a law firm XXXX that has information regarding this entity on their website.

Company response to consumer: Closed with explanation