vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-17 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: MT

Complaint narrative:
I keep getting a bill from convergent outsourcing inc saying i have a bill for XXXX but will go away for XXXX but i do not have this bill and would like them to take my name off of it and stop sending it. they also hung up on my husband 6 times and we tried to get them to remove it but they did not help just kept hanging up on us ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 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: NY

Complaint narrative:
Upon reviewing my credit report, convergent outsourcing has reported a debt o f {$2100.00} on my XXXX report, account # XXXX, i do not owe this debt and i have not received any debt validation from the collection agency or the creditor, i therefore ask the company to provide proof of debt validation or said contract that itemizes the accumulation of such debt within 10 business days and to remove inaccurate, unverifiable information from my XXXX report, in accordance to fair credit reporting act. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
i had to choose one of the above -- the agent did not use obscene or profane language -- just tried to use intimidation tactics- when she was asked for documentation of the underlying debt- see below I was authorized by my mother to try and settle this debt-my mother did n't remember ever getting the att alarm service this stem from- as she has had XXXX since XXXX when i asked to verify the debt XXXX at sunrise debt- said that if she gives me that information- her settlement offer will be off the table and the full amount would be due- and that she would make a note that i refused to pay the debt. i am not even the debtor- my mother is.. then i asked for a supervisor - she said she had none- i got a bit upset- may have taken a bad tone and it took much work to finally get her to let me speak to XXXX- her manager- i explained to XXXX- that her age XXXX threatened to not settle the debt -- just because I asked for something that i was legally entitled to .... the phone number for sunrise is 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 2015-09-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Firstsource Business Process Services, LLC
State: PA

Complaint narrative:
I am & have been paying for XXXX years a monthly amount to this DEBT COLLECTOR XXXX. XXXX the debt collector, FIRST SOURCE XXXXrefuse to stop reporting this debt as un collectable, regardless of my paying for XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Reciving calls from XXXX, a company stating they are collecting a debt on behalf of XXXX. A credit card I paid and closed XXXX years ago. XXXX is no longer in business and is not reported on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
In regards to account number ******* with Texas XXXX XXXX XXXX : Payment to Texas XXXX was paid and accepted in full from XXXX XXXX XXXX. After speaking with several representatives, I have been getting nothing short of the " run around ''. In my most recent call, I was told to contact the insurance company directly to verify the payment was made. I informed the representative that this had already been done, the check was sent to Texas XXXX, and is showing as cashed. On XXXX XXXX, XXXX, my account was placed in collections with CMRE Financial Services. They are now attempting to collect a debt that does not exist. Neither company will directly contact each other to resolve this in a timely manner. As of now, I have been assured by Texas XXXX that they would take me out of collections effective XXXX XXXX XXXX, but this withdrawal from collections is temporary until this issue is completely resolved. I have had multiple conversations with Texas XXXX where they have promised to take care of this situation, but so far have failed to do so.

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 2016-01-28 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: NV

Complaint narrative:
I have received mutilate calls from them attempting to collect a debt from a medical visit I never had. If I had visited, my health insurname would have covered the visit and it would n't have cost me {$260.00} like they are claiming.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I do not owe this debt. Any further collection letters and/or calls will results in taking legal action against this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
We received a recorded call that can only be partially heard because the recording starts before the tone indicated by our answering device for starting a message. However, we did hear them identify themselves as " this is a debt collector ... .etc. '' We are a health services office and do not have any outstanding debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
Harris & Harris contacted me on XX/XX/2016 via my private cell phone number at around XXXX pm EST. After telling me that I owed something like {$140.00} for some type of medical bill, I was asked to provide my date of birth. I told the caller that I would not reveal my date of birth to a stranger over the phone. I told her that I believed that doing so was a risk as I did n't know who this person was. There was no information provided to me about the nature of the debt - what was it for? When was I billed last? I told the caller that I would not be able to provide my private, personal information such as my birth date to stranger, over the phone absent additional, confirming information. As a matter of practice, I do n't reveal my private information to strangers of the phone. Upon telling the caller that I would need more information, she became very aggressive and told me that I would be marked up for " refusal to pay. '' I told her that was nonsense and I asked her to send me another letter in the mail. She stated that I had already been sent a letter for debt collection and therefore I had refused to pay and therefore they would not send me another letter. I told her that I 'm sorry but that it could have been misplaced or otherwise and again asked for an additional letter. She refused and told me that she was officially closing my case as " refusal to pay '' and then she hung up. I believe this was the second time that Harris & Harris called me about the same debt. I responded the same each time - absent additional confirmatory information about the identity of the caller and the nature of the debt, that I would not reveal my private information such as my birth date, over the phone to a stranger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Finance of America Mortgage LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2015, I contacted XXXX XXXX, who is a Branch Manager ( XXXX # XXXX ) with GATEWAY FUNDING, and learned I can lower my mortgage monthly payment from approximately {$2400.00} to {$2000.00}. I was ecstatic because I would have saved over {$400.00} each month. XXXX XXXX sent me via email the DETAILS OF TRANSACTION detailing I would pay that amount. During the escrow process on XXXX XXXX, I was instructed to wire {$690.00} and thought my application was completed. On XXXX XXXX, XXXX XXXX contacted me and stated it required me to pay an additional {$290.00} because certain expenses were overlooked by XXXX XXXX. I contacted XXXX XXXX about my additional expense to which he stated, GATEWAY FUNDING will refund {$290.00} back to me after I send in the money to complete the escrow process. 

I am complaining about XXXX issues : I learned my mortgage monthly payment was not {$2000.00} as promised by XXXX XXXX, but instead {$2200.00}, and I have not received my refund in the amount of {$290.00}, as promised by XXXX XXXX on XXXX XXXX. When I contacted him via telephone on XXXX XXXX about the monthly payment, he stated he made a mistake. I have contacted XXXX XXXX on XXXX occasions about the refund check. I contacted him via telephone on XXXX XXXX, which he stated he will issue the check on XXXX XXXX, the Friday after the application process was completed. I contacted him on XXXX XXXX, and he stated he would authorize the refund check. When I last contacted him on XXXX XXXX, I was told I should have already received it, then later verified by XXXX XXXX that he check has not been issued or delivered. 

It is my belief XXXX XXXX is taking advantage of my lack of knowledge in the loan application process by informing me of his many years of outstanding services and a promise of lower month mortgage payment only to deceit me to benefit himself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lustig, Glaser & Wilson, P.C.
State: NH

Complaint narrative:
Multiple robo-calls left on my answering machine. They refer to a XXXX XXXX XXXX, which is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
XXXX underpaid my bill to XXXX XXXX XXXX on XXXX. I advised their billing department at XXXX XXXX that my XXXX should cover most of this and to please re-submit to my insurance company. XXXX XXXX did NOT re-submit and they sent me to collections using Hollis Cobb XXXX at XXXX. The collections company has been calling me for several months ( some calls were very rude - especially at the beginning where I was talked over and yelled at ). I kept telling them that the XXXX was going to take care of this, but the collections company never stopped calling. I have received up to 6 calls a day from them to try and collect this debt, which has interfered with my job and caused me to waste minutes on my cellular plan. I spoke with XXXX XXXX today, who is supposedly a manager at Hollis Cobb XXXX, and she even confirmed the notes were in there about the XXXX issues. I provided XXXX with the confirmation number from XXXX for the additional payment to the XXXX XXXX, and advised them I am working with a manager at XXXX XXXX to resolve the remaining {$51.00} ( which is what XXXX at XXXX told me is the only amount I should pay ). I also advised them that I would have my attorney contact them if they kept harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 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: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
This Debt went into collection without me having any knowledge of this debt, a bill was sent to address where I did not live, with my name attached to the address, I never received a bill so it went into collection and were put on my credit report. the bill were initiated by my daughter Mother, she put my name on the bill with her address, we have never lived together.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank issued a loan modification to my former husband. Our legal separation document declares that the property is now his and he has to either refinance in his own name or sell the property. Instead he declared bankruptcy ( chap XXXX ) and as part of the plan modified the mortgage without my signature or consent. Before that the mortgage had nearly been in foreclosure. This was in the Fall of 2012. My ex husband has been paying the reduced mortgage payment since. The account is up to date. 
Chase will not update the information for credit reporting purposes saying that it because there is a bankruptcy in process. IT IS NOT MY BANKRUPTCY. My credit score is very low because of this and the near foreclosure. My interest rates are high and I can not get a mortgage of my own and I have to rent. Chase will not remove my name from this account even though it is no longer the mortgage that I initially agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
AARGON AGENCY INC has yet to validate this alleged debt as belonging to me. I have sent certified mail asking AARGON to provide me with proof. I have not received any correspondence from them validating this debt they claim to be mine. I sent a certified letter XXXX and was delivered XXXX and still no proof of debt or signature belonging to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Funding LLC sued me and secured a default judgment using a process server that lied in an affidavit of service. The process server was punished by XXXX Department of Consumer Affairs. Midland never provided me proof that they owned the debt prior to suing me. I was never notified of the assignment of my XXXX account to Midland prior to the lawsuit being commenced. Midland continues to garnish my wages even though they know that I am the victim of sewer service and that I dispute the debt. I complained about this to CFPB ( CFPB case # XXXX ) but my complaint was against XXXX ( the original creditor ) since I thought the debt was one covered under the consent order between XXXX and the CFPB. XXXX notified me that this account was not covered under the Consent order and informed me that Midland would be in touch with me to address my complaint. I have not heard anything from Midland as XXXX had promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Hi - This is in regards to a possible ECOA, Regulation B, and UDAAP violation with Amerisave Mortgage. I have applied for a mortgage loan in XXXX 2016 and was pre-approved. I spoke to the loan officer and he told me to submit certain loan documents to be submitted to the underwriters. I submitted all documents as requested and received a phone call to submit my drivers license. I submitted my drivers license XXXX/XXXX/2016. I emailed the loan officer back and told him it was submitted. I have no heard from the loan officer since then. My credit is not the greatest or not the worst, it is in between and my DTI was a little high but I was within the FHA guidelines, per the loan officer. A month later today XXXX/XXXX/2016, I called the loan officer and asked him why I have not heard from him a little over a month. He stated that I was n't 'pre-qualify. ' But my loan status/application said I was pre-approved. He did specified when I first applied for the loan that in order to get pre-qualify, he will need to send the following documents i submitted to underwriting. However, I have not heard from him. ' I told him that it should be his responsibility to contact me and to tell me where my loan status is at. I felt as if I was mistreated, misleaded with my application and loan status maybe because my credit was n't the best and he did not want to work on my loan but would rather work on loan applications that has the best credit so he can get his incentives. I understand this, but I should not be mistreated due to my credit or even income. I should be treated the same as the person who has XXXX credit this is call 'FAIR LENDING. ' I feel that this is a violation of ECOA, Regulation B, UDAAP, and fair lending. All customers should be treated equal when it comes to credit applications. I understand the sale incentives, there should be some type of oversight within the team members to ensure that they are treating all customers equally. I plan on filing a lawsuit. 

Company : Amerisave Mortgage

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 2015-04-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC
State: CA

Complaint narrative:
I was approved for a loan and received the good faith estimate. The loan terms subsequently changed XXXX days before the close, but we were past the scheduled close date, my seller was anxious, and my family was staying in a hotel because our house had been sold, we continued to close. We completed the soft close at the escrow company on XXXX XXXX, 2015, and the final close was supposed to be completed on XXXX XXXX XXXX. PMAC lending services failed to fund the loan at this time. They claimed that they were waiting for receipt of an IRS transcript. This document was subsequently received but they still have n't funded the loan. I have been strung along for over a month with excuses and as of yesterday, I learned that they has decided not to fund the loan because they are having difficulty selling the loan. It seems that they have been " stalling '' on the loan close while they tried to sell my loan. It seems that the investor originally slated to purchase the loan decided they did n't like the property for their portfolio ( XXXX condo ), even though this has been known since the appraisal in XXXX. The property appraised above the purchase price and my 20 % down money is fully documented. My seller is obviously as frustrated as I am, and I am now forced to close on a inferior loan immediately because my seller has run out of patience. I will be forced to pay extra finance charges until I can complete a refi which most companies require a XXXX wait period after loan close. I am looking for information on specific protections in place to protect against fraudulent behavior like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
My total monthly payments are not accounted for towards the overall total amount I owe. I make a $ XXXX monthly payment, but the overall total amount is only {$300.00} ( give or take ) less from the previous month. When I called the debt collection agency ( EOS CCA ), I was informed that once my payment is made, the payments are directed to XXXX to be allocated amongst the loans and that XXXX is probably charging an additional 7 % daily interest rate ( yes, a 7 % additional daily interest rate ). When I called XXXX to verify how XXXX is allocating the monthly payments made, as well as, if XXXX was in fact collecting an additional 7 % interest on my overall amount. XXXX informed me that any questions that I had regarding my debt and how the payments were split among each loan, would need to be addressed with EOS CCA, because EOS CCA handles all the payments. XXXX informed me that they only receive a monthly statement of the overall loan. 

In XXXX XXXX, I requested from EOS CCA to send me an overall payment history from XXXX. The total amount of payments I had made up to XXXX XXXX, amounted to {$59000.00}. I was never given an overall total amount when I first was placed in collections, however, I believe the overall total amount that I owed was {$130000.00} ( give or take ). As of XXXX XXXX, even with my total overall payments from XXXX XXXX XXXX amounting to {$59000.00}, the overall total amount that was owed as of XXXX XXXX was {$100000.00}, which means only about {$24000.00} has been put into my total overall amount owed. 

When I had asked EOS CCA where the remaining {$34000.00} was and why all of the monthly payments was not fully accounted for, that is when EOS CCA referred me to XXXX and XXXX referred me to EOS CCA. 

Just as an FYI, I have kept every monthly payment reminder that I receive since being placed in collections ( except from XXXX XXXX XXXX which those payment reminders have been lost ). In XXXX XXXX, EOS CCA started to include the overall total amount that I owe, with a breakdown of each individual loan principal amount, individual interest, individual collection fee, and individual overall balance, which amounts to the total overall amount of what I owe for everything. Aside from that, there is no other documentation or summary that may explain where the remainder of my monthly payments are being distributed into.

Company response to consumer: Closed with explanation