vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-08 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: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I am the victim of identity theft. Several years ago I banked with XXXX XXXX. XXXX had a massive data breach which resulted in my full name, driver 's license, social security number and birthday being sent to over XXXX people. Several accounts were opened in my name as a result. One of them was a residential lease that I was not part of and then cable service at this address I never lived at. During the time this lease was executed I did not even live in the state let alone the city. I have provided all credit reporting agencies and this company with proof yet this company continues to report this false information. I am attaching a proof of identity theft from XXXX XXXX which includes a phone number any creditor may call to validate my claim.

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 2016-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
This is the letter I sent to CPA with no response. It explains the negligent actions taken by the debt collector. I would appreciate my name being cleared or restitution being made for the adverse effects this has on my finances " I received a letter about a collection being made for XXXX XXXX. It was actually for my roommate, but the account was in my name, so that was not your fault. The letter threatened to report to the credit bureau if I did not pay or set up a payment plan. Not wanting the hit on my credit, I decide it 's just best to take care of it myself. I call about setting up a payment plan, and am told it can only be divided into 2 payments. So I pay the first and set up to pay the second in a months time. I am told that I have complied with all requests, and as long as I make my final payment, there would be no more action taken. About a week later I relieve a letter saying that my remaining balance has been reported to the credit agencies. I confirm on a credit site, and sure enough, my credit has taken a huge hit due to this. I am in the market for a car and house and this has set me back an immeasurable amount. I believe, at the very least, the rest of my debt should be forgiven, and I would like a formal notice sent to the credit agencies that you reported to. If that repairs my credit to the previous state, I would consider the matter resolves. But such a hit to my credit would take an extremely long time to repair as well as costing me thousands of dollars. I complied with every request of yours and was still adversely affected. I would really like for you to make restitution on this matter as I do not want to have to contact further agencies about the matter. I do not believe honest business tactics were used and I will take every avenue I can to right this injustice. Thank you for your time, and I look forward to hearing from you soon. "

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 2015-08-18 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: Credit Protection Association, L.P.
State: PA

Complaint narrative:
XXXX XXXX messed up their accounting when I closed my account with them and they have told me on 3 separate occasions this year that I do not owe the debt. Unfortunately XXXX assigned the debt to a collection agency who will not stop threatening me despite multiple calls from me explaining the situation. Each time the collection agency says they will contact XXXX to confirm the status but XXXX has no record of them doing so. The collection agency is Credit Protection Association L.P., XXXX XXXX XXXX, XXXX TX XXXX. The amount I am being told to pay is {$40.00}. Their reference number for the collection is XXXX. The phone number for the collection agency is XXXX. Constellation has assigned me a reference number for this issue - that ref number is XXXX. I feel like I am being extorted for this sum and wish to file a complaint against Credit Protection Association L.P .

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 2015-11-25 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bliksum, LLC
State: CA

Complaint narrative:
This lender has called members of my family and friends in an attempt to contact me to collect a debt. This is illegal. I can not be reached by phone but can be reached via email and conventional postal delivery. Furthermore, they say that I have them listed as an " emergency contact '' so my friends and family immediately think something has happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 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:
Hi I refinanced in XX/XX/XXXX, BSI Mortage company is impossible to reach, when I do I get a different person and have to explain everything that happened since XX/XX/XXXX again and again. I contacted the company that did my refinancing to get help and they were able to get someone to call but that was XX/XX/XXXX and have n't heard from them since, numerous calls, phone messages left at ex XXXX and company mainline, emails all go u answered. 

Since XX/XX/XXXX when i changed home owners ins. My payment has n't been correct, numerous calls to old and new home owners to ensure that I was insured and I am, but now I 'm over paying my payment, paid my shortage in XX/XX/XXXX and it went higher. Now that I did all the leg work to fix my homeowners .I have a Check for BSI for return because I had to reach my old homeowners that they paid due to incompetence. Now I 'm getting letters stating that I need to update my homeowners from BSI. 
I just do n't know where to turn now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 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: Credit Protection Association, L.P.
State: NJ

Complaint narrative:
There is a collection account on my credit for {$290.00} for service I never used.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Management Resources
State: OK

Complaint narrative:
I am filing this complaint do to the fact that AMR is double reporting an alleged debt by falsely changing account numbers to where it appears to be XXXX different debts. These tactics are not allowed in the fair debt collection for alleged debt. Falsification to inflict harm to a consumer will be met with legal action against AMR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Upstate Collection Center, Inc.
State: NY

Complaint narrative:
The debt collector keeps sending me collection letters even after I informed them the debt was discharged in bankruptcy, almost XXXX years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 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: GA

Complaint narrative:
CONVERGENT is trying to collect a debt that is not mine. According to XXXX this acct was not opened with no date of birth or social under their no credit check program. my name is a common and and I also have a cousin with the same exact first middle and last name. I am requesting this to be removed because this is not my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 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: FL

Complaint narrative:
My wife received a letter from an alleged collection agency informing her of a {$140.00} XXXX dept. She was offered a settlement payment of {$29.00}. We have never had an XXXX account. I XXXX the company name and learned of several consumer complaints who reported being in the same position as my wife. Some of the consumers reported phoning the company, where they were either informed that there was no dept. or told of the dept in a threatening manner. Complaints of returned calls from the company harassing/threatening were reported. For this reason, we have not made contact with the company, choosing to, instead, to pass this info on to you. It be important to note that my wife and I are senior citizens, retired and living on fixed income. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 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: OH

Complaint narrative:
I hired a reputable company to help " clean up '' my credit report in XXXX 2016. A collection account was disputed and was taken off my credit reports. It has now been reinserted with a new open date of XXXX 2016 when this certain collection was over 6years old. The collection company being used is now called Convergent Outsourcing Inc . It 's a collection account through a XXXX. This was never verified in a timely manner according to Fair Credit Reporting Act so legally, it was deleted from all XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have sent plenty of letters asking this debt collection agency to verify my debt they will not respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
CMRE IS IN VIOLATION OF SOL, FCRA, FDCPA AND TCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
This company is sending me notices on a debt I do not owe. I requested validation and received which clearly states I do not owe. Please see attached. I would like them to cease all collections and remove this remark

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 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: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: EMBRACE HOME LOANS
State: TN

Complaint narrative:
I was only refinancing my home and XXXX acers and when it was said and done the mortgage company had gotten the title to my farm and tied all of my land up. My mortgage is with embrace home loans out of XXXX, NC

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 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:
THIS DEBT STAYED ON MY CREDIT REPORT FOR 9+ YEARS!! 
I TOLD THE CREDITS BUREAUS THIS NOT MY DEBT. IT IS A XXXX XXXX XXXX DEBT I KNOW NOTHING OF. IN 2012 OR NEAR, XXXX ATTEMPTED TO COLLECT SAME DEBT. I TOLD THEM THIS IS NOT MY DEBT. I AM XXXX VETERAN AND THIS IS CAUSING ME UNNECESSARY STRESS PLEASE ASSIST. I AM XXXX SORRY FOR CAPS.

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 2016-05-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
XXXX XXXX changed over their billing system in XXXX, 2016. Because of that change, they were late in mailing their bills. Once I received mine and verified the balance, I paid it. Due to the ineptitude of XXXX XXXX 's financial people, many people, such as myself, were sent to Convergent Outsourcing for collections actions. On the date of the letter from Convergent, my balance with XXXX XXXX was {$38.00}, not the amount stated in Convergent 's letter of {$860.00}. XXXX XXXX, due to their error, should not have sent me to collections, but due to lack of competent oversight, my account was sent out. Convergent Outsourcing did not do their due diligence in accepting my account from XXXX XXXX, as my account with XXXX was current and they had an incorrect balance in the letter. Another red flag that Convergent missed was a sharp increase in accounts referred from XXXX, which should have alerted them to the fact that something was wrong at XXXX XXXX. Since my account with XXXX was current at the time of the calls and letter, I consider the calls & letter to be harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 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: UT

Complaint narrative:
I Have received a collection from convergent outsourcing. for a XXXX account. I have never had XXXX. This was already resolved once before with the previous collector. I am trying to purchase a home and this is falsely being put on my Credit report. please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I have no idea about this bill never received any letter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I contacted the company that issued the debt to CMRE and they said they would contact CMRE to remove the debt owed, since it was off the books. However, CMRE still has not removed the debt from my credit report, thus financially hindering my credit abilities and is in violation of the fair credit reporting act. CMRE fails to return any of my phone calls or acknowledge my attorney 's letters. XXXX Adverse Accounts still remain on my credit report from CMRE Financial.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 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: NC

Complaint narrative:
I cancelled XXXX and paid the final bill on time there was a cancellation fee of {$690.00}. There was no timeframe to pay this fee so it was paid in installments for XXXX months. XXXX gave no notification this was an issue. Not sure who this third party is as all payments were made directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 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: IL

Complaint narrative:
This company bought a debt that has been disputed and removed from my credit reports. There is NO CONTRACT or any evidence bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
Upon review of my XXXX Credit report I noticed company name : Optimum Outcomes has reported a collection account under my name. I do not have any binding agreement with Optimum Outcomes and was not aware or notified of this item being reported under a collection status. This account is showing in a closed status with a balance of XXXX in a paid status. Please explain why this company is reporting this account as collection. 
Please attach copies of : Please have company provide the following : Complete payment history, the requirement of which has been established Agreement that bears the signature of the alleged debtor Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) In addition if this debt has been paid please remove this item as this is not a collection account and has been reporting under my name to the XXXX incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
The XXXX medical bills that are open collection on my credit report are false. I included ALL my medical bills into my bankruptcy. The dates that they are giving are false. These XXXX account were open way before my bankruptcy. Which is like a year or XXXX before my bankruptcy. If I am force to get documents then I will begin getting the paper from the doctors office showing when the account were originally opened. These company 's should not be able to just keep renewing the old accounts so that they continue to stay on someone credit file and be eligible to keep harassing people after a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
When I am working they are calling my phone between 1- 3 times a day usually in a row. Lady name XXXX is calling and she doesnt say it is a call fro a debt collector till near the end of the call or when i bring it up.

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 2016-02-02 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.

Complaint narrative:
I got a bill trying to collector from XXXX XXXX for a supposed sum of XXXX yet if i paid before 30 days it was only XXXX. I personally walked into XXXX XXXX, paid my last bill and closed my account before moving to XXXX 5 years ago. What was even better that the bill was sent to my mother 's address in XXXX yet my last address while living in the USA was in XXXX. Convergent Outsourcing Inc sent me the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 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: NY

Complaint narrative:
I received a letter stating that I owed XXXX money and they were attempting to collect it. I contacted XXXX and they do n't know this company and I do n't owe any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
I deny that this is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Optimum Outcome Account Number XXXX XXXX Amount {$650.00} XXXX NC phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have mailed dispute notice to Conns requesting verification of this account reporting on my credit report and they have yet to respond with a proper answer nor did they send proper verification and never stopped collecting according to 15 U.S.C. 1681s 2 7a.

Company response to consumer: Closed with explanation