vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: DCN Holdings Inc.
State: NJ

Complaint narrative:
XXXX XXXX forwarded XXXX cases for collection against XXXX XXXX XXXX and XXXX XXXX XXXX On XXXX XXXX XXXX. XXXX amount of {$7400.00} and for XXXX. XXXX {$7700.00} to Accounts Receivable Collection Agency. 

For XXXX XXXX XXXX the amount of {$6500.00} was sent to us and received the check from him on XXXX/XXXX/2015, and deposit the check on XXXX/XXXX/2015. This check was paid before we sent XXXX XXXX XXXX to the collection agency. Since the check XXXX. sent in showed the XXXX. XXXX home address, we applied this amount to XXXX. XXXX account only to be notified by XXXX that the check was to be under his account. So we changed XXXX. XXXX Invoice showing this amount as paid. Please see attached check and deposit slip for detail. Collection agency is claiming for this amount which they have no right to do so. 

For XXXX XXXX XXXX, amount of {$7700.00}. We did submit to them on XXXX XXXX the invoice however two days later, XXXX XXXX, we were informed that our Service department was to fix his system on site and h/o would pay us in full. I notified the collections agency via email on the same day to cancel this transaction. In the agreement that we signed, states if we submit an invoice and cancel it, they can charge us 10 % of the total bill. That is not an issue. 

The collection agency only collected from XXXX XXXX XXXX a total of {$7400.00} yet they seem to think they collected a total of XXXX. Which is impossible because they did not collect for XXXX XXXX XXXX. 

This agency had collected back {$7400.00} and sent us check # XXXX for {$2900.00}. They claim they charged us 10 % of XXXX. XXXX amount of {$7700.00} which should only total {$770.00} and our agreement for the {$7400.00} was 27 % however, they kept almost 40 % of XXXX. XXXX. Check which they never sent us nor do we know what check number XXXX XXXX XXXX sent them. They kept his check and sent us less then what was promised. We have all documentations if needed to follow our statement. Please let me know if you need me to email them to you. 
The bottom line to make more sense of this issue is this email being sent to XXXX XXXX XXXX XXXX : Dear XXXX, As stated, you collected for XXXX XXXX XXXX the amount of {$7400.00} which 27 % is owed to your company totaling {$1900.00}. You took 10 % of XXXX XXXX XXXX amount of {$7600.00} which totals {$760.00} because we canceled the transaction. When you total XXXX that we owe, the total should be {$2700.00}. You sent us a check for {$2900.00} CHECK # XXXX. Your company took the remaining balance of {$4600.00} which is not our agreement. Your company owes us a total of {$1400.00}. Please submit to us by next week XXXX/XXXX/2015. 

Regards, XXXX XXXX Customer Service Supervisor XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: TX

Complaint narrative:
My name is XXXX XXXX. I own a home at XXXX XXXX XXXX XXXX XXXX XXXX Texas this house was bequeathed to me by my grandmother our family has owned it for XXXX generations. 5 years ago my Husband, who is serving a XXXX in the texas prison system, filled out an application using my name and my credit and my home and received a XXXX line of credit under the rules of a home equity loan from XXXX XXXX XXXX. He closed on this loan without advising me anywhere along the way. I never signed the application, the approval, the closing documents, I never received the cash nor did I attend the closing. They were all forged. I was not aware of this until the loan was transferred from XXXX XXXX XXXX to XXXX mortgage servicing llc. When he did not make payments on the loan., I attempted to explain this to XXXX . They took a application for a loan modification and said they would look into it. 60 days ago, after stalling for 2 years, they sold the loan to BSI Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX. BSI stated they would never give a loan modification. I filed the paperwork to apply for a modification anyway and they processed it. Without sending any notification I writing to me, they started a foreclosure against my home with a sale date of XXXX XXXX, 2016. When I asked my case manager why he did this, he stated that they turned me down for a modification. When I asked for an appeal process he ignored it. I was not allowed to go through the process of appeal per the 30 day rule. I sent a new package int XXXX XXXX and while it was in process he stated that they were going to foreclose regardless, but they would look at the paperwork. Today I received a letter that even though they were in violation of the dual tracking rules. I told the case manager, XXXX XXXX, about the violation and they said they did not have to follow it, I mentioned that I never got a judge 's order recorded to allow the home to be foreclosed on and he stated that BSI stripped the mortgage and and did not need any permission to foreclose. 
this violated the Texas rules of civil procedure, the Home equity lending rules and the CFPB law about dual tracking. he would not even discuss the forgery. this complaint conerns the original application and forgery the settlement process of this loan without me signing or being present, the modification process and the foreclosure process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Collection attempt is being made for a medical bill from a provider that I have not seen since 2009. I contacted the medical provider and confirmed that I had no outstanding bills. I have request contact from the collection company through faxes and USPS and have not heard from them.

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 2016-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
They closed my card account and did n't give me a reason. Now they are going to charge me money to send me a check for the remaining balance. They have not presented any other way for me to receive the money without paying them a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
Company charged fees to my account which they can not support and will not provide documentation for. 
Company Assessed 2 identical " Fees '' to my account in the amount of {$4500.00} on XX/XX/XXXX and XX/XX/XXXX. The first they say was a charge from my previous servicer. However my previous servicer never charged the fee and it never showed up on any statements. BSI is the only entity trying to charge the fee. They " claim '' it was for foreclosure costs incurred by the previous lender, however I was in active loan modification negotiations with the previous lender all the way through transfer of my loan to BSI. Charging " foreclosure '' fees would have meant they were dual tracking.. Which is Illegal. The second charge is inexplicable even by BSI. I have requested on multiple occasions, documentation or explanation for this charge and they have refused to supply it and in phone calls admit they ca n't even figure out what it is for. They promise to resolve it and then simply never follow through. On one occasion when I made a demand in writing ( of which I have made multiple ) they simply grabbed a stack of ( trash ) paper ( meant for recycling or shredding ) stuffed it in an envelope and mailed it to me. They have assessed a TOTAL of over {$15000.00} in fees some of which they have provided some backup for but most of which seem excessive. Legal fees related to the Chapter XXXX I had to file because they refused to negotiate a loan modification with me despite my willingness and ability to pay. However I am simply pursuing these two charges as they are blatant and unsupportable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: GA

Complaint narrative:
This is a second complaint against BSI Financial in the past year. Thanks to CFPB, the first XXXX was handled. It is my understanding that BSI can not hold my over payment on my escrow account hostage to a 30 day delinquent payment. Due to medical heartships, we have beening running 30 plus days late for over a year. However, we have been making our current mortgage payments. Because of a reduction of taxes, BSI is holding approximately {$2400.00} of my escrow money. When I inquired with them, I was told that if I send them the delinquent payment, they will release my escrow money. I told them that if I had the money, I would not be delinquent. I asked them if they could apply part of my escrow money to the payment and send me the rest. They refused telling me that it was not their policy. It seems to me that My money that I paid in on my escrow account is collecting interest in their holding accounts for which they have no right to do. Again, this is the second time that I have had to write your good offices to encourage BSI to take care of a financial matter. The first XXXX concerned them holding my homeowners money and not paying the insurance company. Thank you for your help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
I 've received 3 calls in the past 24 hours from various individuals at a company called Convergence. They are asking for my husband, and have been extremely aggressive and belligerent when they do so. They refuse to identify themselves or disclose why they are calling us. Each call has quickly escalated to a very unpleasant exchange. The calls have become a nuisance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and noticed a collection from Convergent Outsourcing I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Convergent Outsourcing in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Forest Recovery Services LLC
State: FL

Complaint narrative:
I get XXXX collections account under my name with Forest Recovery Services for XXXX differences amount who does n't belong to me. I want this collection to stop calling me and harassing me on the phone and I want this debts to be removed immediately from my credit report. I do not have any idea who this company his.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
Questionable debt collecting agency XXXX Sunrise Credit Services XXXX Inc XXXX overcharging my account ( just added {$8800.00} to a pre-existing amount without explanations XXXX and withholding my tax form XXXX for 3 consecutive years since they starting collecting the debt. Is this company legit? Are they evading taxes? Something feels very wrong about this agency ... Thank you for your attention.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 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: GA

Complaint narrative:
I have never had XXXX at my residence in my name! XX/XX/XXXX they were running a special on programming for XXXX, so I inquired about signing up. So I am placed on the phone with a XXXX associate that tells me that I have already had XXXX at my current residence and there is an outstanding bill of over {$700.00} from XX/XX/XXXX-XX/XX/XXXX. So I explain to this person that I have never had XXXX, I have never received a bill from XXXX ever .... and also I did not live at this residence during that time. I was told that maybe a previous tenant ordered it in my name, but that XXXX had been installed at my address in XX/XX/XXXX in my name, and I did not occupy this residence during that time and I explained this to the associate, which then tells me that I will have to file fraud charges to avoid responsibility of this debt. This is a scam because this company did not have my personal information until I gave it to them on inquiry day XX/XX/XXXX, more than 10 years after they say someone at my address used my name to obtain XXXX! I have not filed fraud charges because I have no idea who to charge! I have no proof of this bill or said account or name of person pretending to be if that is the case! I feel this is a scam to collect money that I do not owe and refuse to pay because it is not my debt!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 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: Designed Receivable Solutions, Inc.
State: GA

Complaint narrative:
My personal information was used without my knowledge and I was not aware of my ssn being used until I pulled my credit report on XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am with the GAp credit card for more than 7 years. I always pay my bills on time. In the month of XXXX, I was XXXX till XXXX. I called and made a XXXX payement for XXXX, and then called back XXXX XXXX for a XXXX 2016 payement as I was XXXX. I have the confirmation number, I am in shock as I received a letter from synchrony bank, stating that I cancelled the account, when I had a balance which I have never done. I spoke to a supervisor named XXXX ( employee # XXXX ) only to be informed that he could do nothing, to retrieve the conversation reflecting that I closed the account. Do you think this is fair to a consumer that these corporations not only charge interest, but falsely accuse u of closing an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Back in 2014 I had XXXX at XXXX XXXX and they improperly coded my procedure resulting in my insurance company at the time not paying the entire balance which I just found out about and have been charging me interest monthly after checking my credit report. I have attempted to contact the collection agency and have been told that they can not do anything about correcting the issue and I have no rights other than to pay the entire balance to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
There is an account on my credit file with XXXX and reporting negatively by First Source Adv with a account number # XXXX. I have not had a loan in connection with this school. In XXXX I contacted the school ; the FTC # XXXX ; Credit bureaus to dispute this account who refuse to supply me with the information I require for validation of this account such as promissory notes ; contracts and agreements and all other documents pertaining to the opening of this loan

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Firstsource Business Process Services, LLC
State: WI

Complaint narrative:
My understanding is that medical bills can not affect my credit score. This is a medical bill from my XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I was sent a collection notice on a bill that I paid already. Hospital has no record of sending to collections.

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 2015-12-30 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. {$140.00}. 
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 2015-10-01 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: NJ

Complaint narrative:
part of the amount i try to pay, but haft of that debt i not. because we use calling card to make that call. and they never tell us to that we can`t use.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I owed a bill to the hospital for my son. I contacted their billing office and set up a payment plan. I paid the first payment in that amount. Every payment after that was more than the set amount. After 3 month I received XXXX messages identifying the caller as the hospital, telling me to call about my account. There were " concerns ''. When I called the number, I was told my account was in arrears. I asked how that could be since I had set up a payment plan and I had paid over the amount since it had been set up. The person I spoke with said they had no record of that payment plan, but no matter ... they could set one up now. They set it up for {$42.00} a month. I continued to pay {$100.00} a month until the final payment of {$77.00}. I then received another bill for {$100.00}. I knew I was paid in full. I received another bill. Worried that I was mistaken and trusting ( stupidly ) I would be reimbursed if I overpaid I paid another {$100.00}. Two days after it cleared I was turned over to collections. I 've called and argued. They say they never received checks in XXXX, XXXX or XXXX and they want cancelled checks. I printed them, but with my bank account on the check, wanted to walk into a physical office rather than fax, so I went to call the number again and noticed that when my bills changed XXXX from XXXX to XXXX ... after the phone calls ... XXXX the phone numbers were different. I called the local one on the old bill and got the very polite XXXX billing office. She said my account was paid in full and I was an excellent payer! No, I was n't turned over to collections! Why would I think that? I consistently paid more than we agreed? This woman was as nice as the other XXXX were rude. 
She also informed me that she had no knowledge of this other number and NO ONE did their billing but her office!!! 
I have been scammed. She gave me her name and number at XXXX XXXX XXXX Hospital. 
I called the other number back and confronted them. I accused the person who answered ... it is never the same person ... of scamming me and he claimed they represented different hospitals and I informed him XXXX XXXX just told me no one represents them. He said that 's not true and he would call her. He did scramble on the phone for awhile when I asked for a physical address of his business. 
It is XXXX XXXX, CA XXXX ( or so he says ) The number I 've called is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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 received a letter regarding a previous debt that I have already taken care of. When called the collection agency and gave my account number and name to correct the issue, they hung up on me. This debt has already been paid for and i have try 'd multiple times to call them and all they do is hang up on me as soon as i give my name and account number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
this company has kept on its record an account that is fraudulent was from my identity being and stolen and used to receive goods and servicews without my permission this company keeps this fraud account on their records in additoin to reporting it to the credit bureaus when knowing it is fake

Company response to consumer: Closed with explanation