vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE Financial Services is, apparently, a collection agency. I received medical services and my insurance was billed. I received a bill for {$100.00} but knew that I was covered for it by insurance. I called the medical provider and they said to just wait, the insurance had been billed. The was the last I heard of it. I assumed that the medical provider had been paid as I never received another bill from them. Sometime later, ( 1 year or more ) I received a bill from CMRE for the same {$100.00}. I called and asked what it was about. They said that insurance had not paid and I was liable. They NEVER said that they were a collection agency. I thought they were a biller for the medical provider. I still believed that my insurance should have paid the {$100.00}, but felt that it would be faster & easier to just pay it. I did not want any derogatory information to appear on my credit report. Now, another year has passed, and it seems CMRE was/is a collection agency and the payment has affected my credit. I would never have just paid it, if I knew that. I would have gone directly to the medical provider and hashed it out with them and my insurance company. In short, I should not have a " collection '' account on my credit report as I was tricked into paying them in lieu of fighting the charge with the medical provider.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
This debt is about 17 years old and I remembered that I have this debt account closed by cross country. Now some new copy pay who is 3rd party have been.sendingme letters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
the original creditor illegally keeps XXXX sets of books and applies the payments to the wrong books. the debt collector needs to provide a complete accounting of both sets of books showing I had an overall positive balance with them at ALL points in time.

Company public response: Company 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 — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I was notified of this supposed debt by the collector. I contacted my cell phone service provider, XXXX, to inquire about its origin. They initially told me the debt had already been sold, so they no longer had access to my account. I asked to speak with a supervisor and was put on hold until the toll-free number hung up on me. So I called back. The next customer service rep accessed my account, and told me that when my girlfriend and I combined accounts, my account was canceled, and the remaining balance on the phone I had purchased had not been transferred over to the new family plan, as they call them. I called the collector back. The collector representative said the balance due was from XXXX services that had been billed to me incorrectly after the combination of accounts. I called XXXX back to verify. The XXXX representative I talked to said that I had only been billed one month 's service in error, and that half of the balance in collections was my final bill generated after combining accounts with my gilfriend. I was told they would submit a claim on my behalf, correct the balance, and then I could work with the collector to pay off the remaining balance due. One month later, I receive a letter from the collector that says they discussed the matter with XXXX, and XXXX had rejected my claim. That same week, the agency reported this debt to the credit bureaus. I am convinced that this is all due to a clerical error on XXXX 's part, that I do not owe anything, and that it should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
CONVERGENT RESOURCES continues to call my home trying to collect on a debt that has long since been paid. Judging by the other reviews of this company I have found online, this is a common practice for them and is likely some sort of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 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: NY

Complaint narrative:
Convergent Outsourcing ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ), a collection agency that appears to be a fraudulent company, has used my personal information to falsely accuse me of owing {$610.00} to XXXX. According to the company, the account was created in XXXX in XXXX, when I lived in XXXX, and closed XXXX. I called XXXX regarding the information after speaking to XXXX XXXX, who had no record of a previous delinquent account in my name. According to XXXX, Convergent used a completely different social security number from mine. I also found an official news article regarding other people 's fraudulent experiences with Convergent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Reese Law Group
State: CA

Complaint narrative:
This debt is an old debt back from XX/XX/XXXX that I have been harassed by primus financial for. I currently have a modification saying that I owe XXXX that was dated XX/XX/XXXX. They garnished {$60.00} from me on XX/XX/XXXX. On XX/XX/XXXX they took {$370.00} out of an account that was not mine. I am a signer on someone elses account and they took money out of their account, and my savings and checking. They left all accounts with a zero balance. The person whos account they took from is not my spouse and it is not their 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 2015-12-14 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 received a collection letter in the amount of {$300.00} from CMRE a week after receiving a statement from my doctor 's office for the amount owed {$98.00}. This is XXXX of many instances of billing errors CMRE has pulled on me over the years. In many cases they say there has been numerous attempts to collect outstanding medical debt from me that I had never received a bill for from either the doctor or the collection agency. I pay all debt in full when requested in a timely manner always. I have never had to make payments on my debt. A collection agency should never be involved in handling my billing. I could have rushed to pay the {$300.00} bill from CMRE never considering if the amount was either correct or justified. Who knows if they would have ever saw the problem and refunded me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: NY

Complaint narrative:
medical bills were paid by my insurance company few years ago but cmre finance has in collections and they appear on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 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:
On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on XXXX others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was serving XXXX years in XXXX when this collection was put on my credit report. So this is ID Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SecurityNational Mortgage Company
State: UT

Complaint narrative:
I applied for a mortgage on XXXX XXXX XXXX after having an offer accepted to buy a townehome at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. The amount settled on was XXXX with 5 % down and a loan of XXXX. At the time, I had XXXX in savings and XXXX in a joint savings. I used XXXX for earnest money, and XXXX was transferred to my personal savings for a down payment. With XXXX I still would need about XXXX for a down payment, which I knew I would get with my yearly bonus of about XXXX plus my tax return, XXXX, and XXXX fed and state, sale of stock, XXXX. Plus about XXXX more from bi-weekly savings over XXXX pay periods. 
However, I was concerned my bonus and/or taxes would not be available by the time of closing at XXXX XXXX and I could not talk the seller into closing on a later date, so I asked my dad for a loan. The very first time I ever borrowed money from any relative. I asked my dad for a loan of XXXX to cover closing in case I did not have enough by XXXX XXXX. 
My dad said, why do n't we make it XXXX? I think he just wanted to help. I did n't need XXXX, but I have to admit, it would be nice to have a little extra for the first year of home ownership. So I agreed to take XXXX and pay it back within 40 months plus XXXX. 

Now Security National is trying to make me write it up as a gift so they can cover their butt for lack of a better term. Apparently I ca n't take a low interest loan from my parent even when my debt to income ratio is way under the loan payment. Mortgage companies have no problem giving me a loan up to 43 % of my earnings, which I could n't afford, but will not accept the fact that my dad loaned me XXXX. 

Of the XXXX I borrowed from my dad, XXXX was invested in XXXX stock and XXXX invested in XXXX XXXX, XXXX XXXX loans. The other XXXX is sitting in my savings. I plan on using XXXX for moving, furniture, window treatments etc.. and the rest use to pay back my dad. But Security National says I can not count the money I put in XXXX or XXXX as money for a down payment OR the money on loan from my dad rendering it useless. If that is the case, then I will not have enough money allocated for a down payment, even though I have more than enough money for a down payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
XXXX XXXX XXXX phone collection agency - Sunrise Credit Services. The collection agency has taken over the account and calls and threatens my XXXX XXXX XXXX mother with arrest, jail time, and threatening to sue her. She has XXXX XXXX XXXX and does n't remember much. I have power of attorney over her, and this bill went into collections recently, but I have begun paying on the bill prior to Sunrise Credit Services calling. Apparently they are n't getting as much money as they want or as fast as they like. However, threatening to take someone with XXXX XXXX XXXX to jail over a debt? It takes hours and hours to settle her down after XXXX of these phone calls.

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 2015-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Hatfield Portfolio Group LLC.
State: AZ

Complaint narrative:
At XXXX, I received a call from Hatfield Portfolio Group. ( XXXX important because I 'm a shift worker and was sleeping ). When I asked what kind of business they were, they were vague and avoided answering and immediately started in with a list of names ( all with common last name, mine ), to see if I knew any of them. When I pointed out it was XXXX, he stated it was XXXX where he was. When I pointed out he was fishing for information, he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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 had a preoperative XXXX done in XXXX 2014 at XXXX XXXX XXXX in XXXX XXXX, CA. About a year later I received a bill for {$110.00}. I called my Medicare provider and subsequently I thought the matter had been settled.Now I am receiving letters and calls from a company called CMRE Financial Services for a company called XXXX XXXX XXXX XXXX. I have not been able to find the latter company anywhere. To begin with the bill for a XXXX was too high, it should have been approximately {$50.00}. I have contacted my Medicare provider many times and each time they have stated that the matter has been resolved. I feel that this company is trying to extort money from me that they know I do not owe. they are also charging interest on the bill which I do n't think they are allowed to do. I refuse to pay since I had Medicare at the time and the provider stated that the matter has been settled. My Medicare provider at the time was XXXX XXXX XXXX XXXX XXXX XXXX California. Please help me to settle this matter.

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 2017-01-28 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: WA

Complaint narrative:
I received a letter from Convergent Outsourcing Inc. trying to collect a debt from XXXX XXXX XXXX that is time barred by the statute of limitations. The letter is dated XX/XX/XXXX for utility bill debt from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 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: I.C. System, Inc.
State: FL

Complaint narrative:
In XXXX XXXX Technician replaced equipment at my home and left the old equipment there, the technician stated Fed X would deliver a paid shipping box I could put it in and send to the XXXX office. No box showed up XXXX auto charged my credit card {$460.00}. When I inquired why I had been billed for the equipment I was told I had to physically bring it to the office, I would receive a receipt and be refunded the {$460.00}. I returned the equipment and was given a receipt but was not refunded the money, I attempted several times to attain the refund over 30 day period without luck, in the end I disputed the charge through my credit card company. They in turn worked with XXXX and ended up reversing the charges, crediting my credit card the {$460.00}. Shortly afterwards I got a call from a collection agency trying to collect the debt. Then I spent the next 2 years dealing with them, they reported the debt to all three credit reporting agencies, then I disputed, the credit agency verified, and it was removed from my credit file. Then another collection agency called to collect the same debt, I explained and they still attempted to collect, sent them a letter requesting they validate the debt, never heard back from them. Now, XXXX, another collection agency, IC sytem is trying to collect, I have spoke to them on the phone and sent letters requesting they validate the debt and provide me the information. They are saying they have no record of my letters and are basically giving me the run around. I told the person on the phone they had bought a bad debt that did n't exist, she told me IC Sytem does not buy debts to collect on, that they only work for the original debtor. I told them I did not believe that because I have had and presently do have XXXX service, have never even been late on a payment, account in good standing. I think if there was a problem I would have heard from XXXX, seen it on my monthly statement, and if not paid my service would have been disconnected.

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 2016-09-29 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
My complaint is with PayPal Credit Services and about their business practices related to easy access to and disclosure of " PROMOTIONAL BALANCES '' information in their consumer website. PayPal Credit offers 6 months, NO INTEREST, option with most merchants, for purchases above {$99.00}. This is great, HOWEVER, when the consumer goes to their PayPal website to manage their account and PROMOTIONAL PURCHASES, there is no easy, clear way to find a link to " PROMOTIONAL BALANCES. '' This makes it nearly impossible for people to quickly check the expiring promotional balances and manage them appropriately so that the accumulated interests are not charged at the end of the period when they have missed the deadline. Any other of the several credit providers I deal with, have this SO VERY IMPORTANT ACCESS to my account information not only readily available, but also it state how much has been applied to that particular promotional purchase, how much is owed and when it expires. Since I have complained to PayPal about this issue several times now, and they have updated the user interface on their website since then, it is very difficult to not think that this is being done on purpose and to keep the consumer unaware of the expiring balances to then collect the accumulated interest rate. PayPal is failing to provide clear disclosure and easy access to my PROMOTIONAL BALANCES status ; a product that they offer as a " benefit '' to the consumer with conditions of payments or else penalty will be applied. Please understand that this information is there in the website, somewhere buried. I have gotten to it, but I could not tell you how. I also understand that this information is in the full statement which I would have to go to the statement, download it, to then see it. Please understand that I know the information is there somewhere, my complaint is that it should be READILY AVAILABLE WITH A LINK TO " PROMOTIONAL BALANCES '' ON THE OPENING/SUMARY PAGE. They have a VERY CLEAR, EASY LINK ON THE MERCHANT WEBSITES offering this product. WHY NOT DO THE SAME ON THEIR CONSUMER WEBSITE for consumers to be able to manage this commitment? For the busy lives today, it is crucial to be able to take care of these important aspects of life quickly and efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My brother decided he was going to use PayPal to send me the rent and bill money he owed me for last month. He mistakenly checked the box for " goods & services '' when asked by the PayPal process. Once his transaction began to be processed, PayPal sent me a notice claiming that I had " {$850.00} '' coming to me in the form of an " eCheck. '' Then, after receiving a notice that the eCheck had 'cleared, ' I went to my PayPal account to find that they had deducted {$25.00} from the {$850.00} for reasons that were unclear. When I complained, they sent me their fees policies to read. When I could n't find a reason that justified the action, I replied. I have heard nothing since. After discussing the incident with my brother, we have determined that they must have deducted the money from the transaction because he checked the " goods & services '' box. What we do n't understand is, why would they deduct for this service and not the identical " Send money using your bank account for free '' service '' And, why is there not a confirmation with the receiver as to whether the transaction is indeed for " goods & services '' before abjectly penalizing the receiver for it? Also, is it not fraudulent to state to the receive via an email that they have " x '' amount of dollars coming to them, show a pending transaction under the " Activity '' section of the site that confirms the " x '' amount with a line item for " fee '' of {$0.00} underneath, but after the transaction has 'cleared ' the fee magically turns into " XXXX percent of the transaction amount? '' This is textbook grift!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I filed a police report and PayPal keeps harassing me to pay. Now they have given my case to XXXX XXXX XXXX and it is hurting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: OR

Complaint narrative:
On XXXX XXXX, 2015 Flagstar Bank initiated a process for us to prove we had homeowner 's insurance active or they would place forced insurance on our house. This information was provided in full on XXXX occasions, both XX/XX/2015 and XX/XX/2015 which included insurance coverage and the contact information of both our insurance agents. ( The coverage had moved to another carrier during this process. ) The coverage was by XXXX name brand insurance agents which are easily contacted via the numbers we provided. With no notice, only a notice of " shortage '' in our escrow account, did we discover that Flagstar had forced insurance coverage ignoring the documents we had uploaded via their own online system with automated replies stating they received the information. Any help would be appreciated.

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