vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
My daughter got this account in my name and i only found out about it this year after being denied for senior housing that it went to collections in 2007. I disputed it with XXXX after viewing my credit report and they closed the case and it stated it would be removed in XXXX. My daughter called and told them it was hers and they refuse to remove it and it has been over 7 years. I am XXXX years old and do not feel i should be held accountable for this debt and i was told it should have been removed after 7 years. I am currently disputed it with XXXX after being denied again for housing and it has not been removed like it stated on my credit report. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 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: LA

Complaint narrative:
This was a pre-paid phone account.. I terminated it via the company website and now they say I owe two additional months and have turned me over to a collection agency which continues to harass my XXXX year old mother. I have disputed the debt in writing and informed them not to call my Mother 's residence again and even them my business number!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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: NY

Complaint narrative:
I received a letter from Convergent to settle my debt. I replied to the letter with my account information for them to take money directly out of my account on a monthly basis until the debt was finished, but they never took any money out of my account. I even sent them an email to get back to me as there were two different addresses for them, but I never received a response. Recently, I saw them on my credit as collections for a debt that I did in fact try to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Neuheisel Law Firm, P.C.
State: DE

Complaint narrative:
I filed a complaint against this company XX/XX/XXXX, consumerfinance is telling me that my complaint is run out of time. So I have filed another one on about XX/XX/XXXX. Now there telling me I ca n't file the same complaint. ( I want to know why ). I 'm just receiving this e-mail today XX/XX/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 2015-06-03 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:
After a hospital stay on XXXX my hospital bill was sent to my insurance and the remaining copay was sent to my address by XXXX XXXX, upon receiving this bill I payed my copay. On XX/XX/XXXX I received a call from a debt collector ( CMRE ) stating that I did not pay a medical bill from XXXX XXXX. After contacting XXXX blue cross they stated that XXXX failed to properly bill my health insurance and also failed to correctly write down my address so I did not receive any bills in the mail or correspondence regarding this bill. 

I have contacted XXXX XXXX and asked for the bill and they refused to email me the bill and refused to help me in any way. They stated I must deal with the debt collector. I contacted the debt collector and they refused to acknowledge that I have full medical insurance through my employer. My health insurance has paid this medical and I am still receiving calls from the debt collection agency and this will adversely affect my credit and my ability to obtain a XXXX I am currently in the process of obtaining. 

I would like XXXX to immediately contact CMRE the debt collection agency to desist and remove any and all debt collections that may appear on my credit in regards to this medical bill. My Insurance has paid this claim and I should not be getting harassed by a debt collection agency because of mistakes made by XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
I disputed a collection on my credit report for Convergence Outsourcing and received dispute results after completing the processing of my dispute results were removed/deleted. The date XXXX complete dispute was XXXX 2015. On XXXX XXXX, 2015 the collection agency, Convergence Outsourcing, re-reported on my credit report and they have already been removed. I do not have an account with this company nor have I received written communication from Convergence Outsourcing. Please assist in the removal of Convergence Outsourcing permanently. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
XXXX complaintI wrote a check for {$1900.00} and change in the number amount and then spelled out a different amount only XXXX XXXX on the line. They didnt pay the check person or didnt let me know they cancelled it until the tax office sent me a letter that added a few XXXX more because of late fees that i thought was done months ago. Thanks to them i need to pay XXXX plus extra in late fee. 
XXXX complaintI call to get help if they can get a XXXX time security code taken off my account because it is not a XXXX time thing its every time i get on line to check my account. Ask to get help and the lady wants a federal tax number for what its a security " XXXX time thing '' but happens EVERY TIME I LOG ON. I did n't ask for a password or user id i have all that but I want to say Bank of Hawaii I will never do buisness with or would n't recommend it unless you enjoy useless type of customer service. The person i signed my buisness account with changed banks and i am in the process of moving to its just a warning for the rest who want service and help look elsewhere its guarentee better.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
We have been banking with M & T Bank for many years. Recently, we have fallen into financial problems, and XXXX of the accounts became overdrawn. After contacting the bank, we agreed to take care of the matter within a month 's time. Imagine how devastated we were when M & T decided to just TAKE the money out of XXXX account and put it in the other account. Our paychecks disappeared, not once but XXXX. This has happened XXXX this month, and now there are NSF fees for the items we have on AutoPay that have come through and could not be stopped. We have attempted to speak with them, beg, plead, but they have been rude and judgmental, and basically we are being punished for struggling and not having enough money. I would like to know if anyone else has experienced this kind of situation, and we are considering getting a lawyer to recover the money that they took without notice or permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Equidata, Inc.
State: MD

Complaint narrative:
Equidata keep sending me harassing letters stating I owe a debt form XXXX XXXX XXXX in which I did n't live in the state of XXXX. I sent equidata an email with letter from my job stating I was living and working in XXXX XXXX in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX. I called and the representative said I must pay this debt, I do n't owe. I have XXXX XXXX nothing is wrong with my back or any other part of my body.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 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: TX

Complaint narrative:
XXXX breached contract against XXXX XXXX, thus patient not liable for XXXX fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: VA

Complaint narrative:
I held a debt amount with XXXX XXXX XXXX Online ( XXXX XXXX XXXX ) and was originally owed tuition reimbursement for dropped classes. I held a balance with the school and was told I did not have to fulfill the balance until my reimbursement was received. After coordinating my tuition reimbursement I called the school to pay the amount due and they notified me that they forwarded my balance to collections. This is the first issue. 

After receiving that information I called the collections agency involved ( XXXX ) and was told that I could not remove the balance from my account due to it being a student loan and that my amount due was more than my reimbursement amount. I initially paid half of the balance up front and paid the remaining balance on XXXX/XXXX/2015. I have a written paid in full email from XXXX. 

Two months later I was contacted by First-Source Collections agency via phone and was told that I have a balance from XXXX XXXX XXXX ( XXXX XXXX XXXX ). I immediately disputed the claim and asked for contact information to submit my paid in full letter from XXXX. 

After submitting the letter First Source called me back 1 month later and informed me that I still had a balance from XXXX and that it was forwarded from XXXX to XXXX and then XXXX disbursed the amount remaining to the company that now owns the amount First Source. 

I was originally told by XXXX that my only balance that was originally held with XXXX was my only balance on record with the company when I originally made my dispute. My issue is that a random $ 1600.00+ balance was wrongfully generated with XXXX XXXX and that without justification they reported to my credit the loan amount while it was still in dispute. This amount is completely false and I believe that XXXX XXXX XXXX via First Source is fraudulently trying to charge me already paid for sums of money originally held by XXXX and paid for by myself.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My wife 's identity was stolen. As part of dealing with that I reported a " fraud alert '' to the credit agencies. Capital One Auto Finance then reported possible fraud on my account. This was after I had paid off the auto loan within two weeks after the loan was taken out. This has been corrected by Capital One Auto Finance. I have had a Capital One credit card for 10 years ( me personally, not joint with my wife ). They then sent me a letter stating that the new chip card they were sending me had " come back to them '' and that there was likely fraud at play. I had never reported any fraud to them on this card nor had they identified to me the particulars of fraudulent activity. They sent me paperwork to fill out about this so called fraud, which I returned to them immediately, stating I was not aware of any fraud. They then cancelled my card and I am no longer able to log in to my account. This was a major inconvenience because I use this card for automatic payments and since I go paperless, and I could not log into my account to see which vendors I would need to notify. Most troubling is that my REWARDS that I have accumulated are no longer available to me. I have called my " fraud contact '' at Capital One many times with never a call back or a letter. It 's fine that they no longer want me as a customer, but they are stealing my REWARDS from me. I have excellent credit, there is no documented fraud on my account and I feel I am being severley mistreated by Capital One. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Optimum Outcomes reported XXXX medical bills on my credit report. I did not received notice of right to dispute before they showed up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Firstsource Business Process Services, LLC
State: LA

Complaint narrative:
This company is leaving messages at my place of employment after telling them by phone to not call my place of employment because I could lose my job.The calls are still being made.My place XXXX employment tel. no. that I have asked them not to call is 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 2016-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
XXXX had a special going on where i got a discounted price on calls to international country. Called got the special and apparently the country i was calling wasnt on the special, i asked the representative multiple times before i took the special if the country i wanted to call was in the special she said yes it was so, i went ahead used the service to call internationally. went on vacation came back and my service was discontinued i called the service provider i was told i had to pay the bill because the country i was calling wasnt in the special so i told the representative that the lady who helped me assured me that the country was in the special he said " well its not so you have to pay the bill '' I said to him are you crazy where am i going to find all that money to a phone bill. From that day i never use XXXX again they are rip offs

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Treated in 2014 and paid my deductible. Insurance paid remaining balance, in FULL. Found out that they charged my deductible by {$25.00} too much, which they agreed to refund. 
Never got refund. 
Now CMRE FINANCIAL, whom I have never talked to, has submitted to collections, for more money, AFTER bill was paid in Full, and in fact, which a REFUND was due!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 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: MD

Complaint narrative:
As promised I paid the settlement amount and they did not uphold their part which was to delete it from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
XXXX is using multiple debt collection services and continues to collect on an invoice that has already been paid. 
In 2016, the used XXXX from GA and now they switched to Firstsource Advantage LLC. There have been other collection services involved as well, however, I do not have access to the paper any more. 

In all these cases, we provided the sufficient evidence that the payment has been made. XXXX seems to ignore that information and is switching to another debt collection agency.

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 2015-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I have a new phone and also registered my number w/Do Not Call.gov. I get an inordinate amount of calls from the following phone numbers ( all from the same company ) asking for ( probably ) the former owner of my new phone number. I called this company XXXX times and spoke to different employees, explaining above & asking them not to call again. Apparently their employees are XXXX or incapable of removing my number. I even added my last name to my voicemail message, to no avail. ( They keep asking for a XXXX.I am not wasting any more time calling these XXXX. They most often leave hangups. ONLY other calls are automated. 
If you can help me I would appreciate it. thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-08-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Servis One, Inc., Titusville, PA Branch
State: TX

Complaint narrative:
XX/XX/2015To whom it concernsI applied for the HAMP application XXXX XXXX, 2015. I sent the application XXXX ways. I sent it by email to a BSI Financial Services and to their XXXX office. It was later determined that the information was not being processed and had been sitting in someone 's inbox. I resent the information on XXXX XXXX. I received a confirmation letter on XXXX XXXX that all of the information was being processed. The loan information was transferred from one representative to another on XXXX XXXX. My wife and I have been calling ever since. 
Here are the days that we called or correspondedXX/XX/2015 - My wife left a XXXX XXXX am - spoke with Supervisor. Verified all documents were received and that load was reassigned from one rep to anotherXX/XX/2015 - Left voicemail for repXX/XX/2015 - Left voicemail for repXX/XX/2015 - I called and left messageXX/XX/2015 - Spoke with supervisor again XXXX : everything filed on XXXX/XXXX/2015 and it take XXXX days. Normal process is XXXX days but they are backed upXX/XX/2015 - left voicemailI am just a little frustrated with the process because what normally should have happened by XXXX XXXX has spilled over into XX/XX/XXXX. I.e a XXXX day process is not has now been XXXX days and still no response whether we have been approved for the HAMP. Please helpThanks

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 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: Access Capital Services, Inc.
State: CA

Complaint narrative:
I have never lived in the XXXX area

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ATLANTIC COAST FINANCIAL SERVICES, INC.
State: NC

Complaint narrative:
I was working to get a mortage loan to purchase a manufacture home with a company called Atlantic coastal financial, at XXXX XXXX, XXXX XXXX, in XXXX, N.C..The owner XXXX XXXX XXXX and his loan processor, XXXX XXXX XXXX never had the paperwork correct, evertime I requested information, I got the runaround.They lied to me, and the real estate agent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, N.C.She and I were told different things, the seller of the property, I was interested in became very disqusted, They set up closings, when documents were not in order.I real this a scam operation, and they need to be investigated on there practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: AZ

Complaint narrative:
I fell behind on my mortgage due to a hardship. My Mortgage was with XXXX Bank, who sent an Auction Notice, the house is being Auctioned on XXXX 2016, then I find out when I call XXXX Bank that they Sold my property to BSI Financial Services. On XXXX XXXX, 2016. I have written XXXX emails and phoned BSI Financial 4 times so far. Last call was today and they informed me that they do not have my information in there system! What! I am being foreclosed on and the bank who bought my property has no information in the system on this. The rep. I spoke to from BSI after telling me he can find no records transferred me to a Dept. who should know something about what is going on, where I had to leave my name and number. I know they wo n't call me back. Now what do I do? I do n't want to loose my home! This is total fraud. I am in limbo! Is my home still in foreclosure since another bank bought it ( XXXX Bank Sold to BSI Financial )? I read the rating from XXXX and it is an XXXX rating for BSI Financial as well as being famous for never calling you back as well as terrible reviews. I feel totally lost, scared exhausted!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
A vehicle was advertised on XXXX, supposedly by a XXXX XXXX XXXX, XXXX. The purchase was to be made following receipt of an " XXXX '' invoice and deposit of cash into a REloadit Safe account. The vehicle would then be shipped by the " XXXX XXXX '' at XXXX XXXX MD. There was supposedly a seven day trial period upon arrival of the vehicle. Communications between the potential buyer and the impostor were by internet text and email. Research indicated a cyber crime scan.

Company response to consumer: Closed with explanation