vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-05 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
A man called me on the XXXX of XXXX. He said that I was eligible for a {$5000.00} loan. I asked for a {$1500.00} loan instead. He said it was a government loan. He said I would pay {$91.00} every month for 16 months. The interest fee was XXXX percent. 
He sent me an email with the loan documents. His name was XXXX XXXX from XXXX XXXX XXXX XXXX his email was XXXXXXXXXXXX gave me his phone number was XXXX, which was the same number that he was calling from the whole time. He said if I did the loan that day, I would have to pay back the money on XXXX XXXX. He said that I had to call him back at that number in order to pay the loan back. 
He said the loan worked like this : I would put {$150.00} on a ReLoadIt card. Once I put that money on the card, the loan proceeds would come later that day. He said the money would let him verify that I could pay the loan back. The card deposit would do that, he said. 
I put the {$150.00} on the ReLoadIt card on XXXX XXXX. I bought the card at the XXXX XXXX on XXXX XXXX. in XXXX, NC. The man was on the phone while I purchased the card in the store. He said to give him the pack number ( XXXX ). I did. He said it would take 1 hour to process. I kept calling him about every 30 minutes. He said it would come ... just wait and it would arrive. He said wait another hour. 
I went to ReLoadi 's web site XXXX said to make a special account. They said the money had been used, because he had the pack number. ReLoadIt told me as long as you have the pack number and the amount you put on the card, you do n't need anything else to get the money off the card. They said he could take the money if he had the Pack and the amount. So he did and he kept the money. 
He called me again Wednesday XXXX XXXX. He said to put {$110.00} on another ReLoadIt card. I did n't do that, though, because my dad said not to do it. When he kept asking for money, I got smart.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I have tried calling the collection agency to resolve my financial issue, because I am hard of hearing and they wo n't communicate with me on speaker phone. So then I ask if they could communicate with me via email and they refuse. They told me to got get a different phone. 
First of all I do not owe the debt it was paid by XXXX XXXX. I tried contacting them and they said the the XXXX Doctor has to talk to them directly. The doctors office refuses to do this. Do n't I have the right to resolve my issue?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 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:
My bank ( XXXX XXXX XXXX XXXX ) sent my mortgage payment to XXXX previous loan servicers. A third servicer ( the correct XXXX ) BSI Financial Services, was finally paid on time, but one of the incorrect payments was lost and never returned ( {$1000.00} ). One of the incorrect payments was returned because my bank stopped payment on the check. The second incorrect payment was made through billpay and the payee claims they forwarded the funds to BSI Financial Services. BSI claims not to have received the funds. I asked my bank to investigate but they were unable or unwilling to follow through. 
So, I am out {$1000.00} and all parties to the problem are unwilling to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Protection Association, L.P.
State: WI

Complaint narrative:
I am a victim of continual ID theif. This is either do to XXXX XXXX that lives at XXXX XXXX XXXX , XXXX IN XXXX or do to Collector sDatabase. The XXXX Police will not Help the XXXX WI police. 
All Below is going on My Credit, I have cleared it but I also have to pay {$300.00} a year for ID Protection. 
XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$180.00} XXXX XXXX Defaults on his Services ( XXXX ) {$700.00} XXXX XXXX Defaults on his Services ( XXXX ) {$800.00} XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$1300.00} XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$180.00} Police Report Filed for all above XXXX XXXX XXXX Defaults on his Services ( XXXX ) {$250.00} Police Report Filed for all above XXXX - All above have been cleaned from my Credit Report ( Unknown Date ) XXXX Defaults on his Services ( XXXX ) {$1000.00} Police Report Filed for all above XXXX This was just file XXXX/XXXX/16. 

The question that no Police Detective or Reporting Agencies can answer. 
- IS XXXX stealing my SSN ( but I do not think that XXXX ask for the SSN ). 
- OR is the Collections Companies doing this to me? They have linked my name and his name together and added it to some database that can not get that information removed. 

I have Spent {$300.00} for that last three years ( {$900.00} ) because of the Collectors or XXXX. I have to keep Renewing do to XXXX Defaulting on his bills and the Collectors coming after me and not him. 

Each time this happens I have to get a Police Report, get current bills, Affidavit explaining why it is not me, DL, and all this personal information has to be sent to each collector. Giving all my Personal Data to them to clear me. I spend hours each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
Malen Associates must report the XXXX XXXX debts as having balance of " XXXX '' TO THE XXXX CREDIT BUREAUS. When XXXX XXXX hired Attorney Firm to collect their XXXX credit card money THAT I OWED THEM DUE TO DEFAULT AND MY UNEMPLOYMENT, surely XXXX XXXX has agreed that the Reporting Power to the CREDIT BUREAU will be given to the Attorneys, and XXXX XXXX would not FURTHER damage my credit. It seems that Malen Associates collected their fees from XXXX XXXX and have no responsibility to CORRECTLY REPORT THE OUTCOME OF CLEARANCE OF BOTH ACCOUNTS. 
HERE IS MY CASE : In XXXX, XXXX XXXX Bank with address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, phone ( XXXX ) XXXX, hired Malen Associates LLP ( attorneys ) with address XXXX XXXX XXXX XXXX NY XXXX, phone : ( XXXX ) XXXX to collect my XXXX credit cards debts that I originally owned them due to unemployment. XXXX XXXX was aware that I was on XXXX, public assistance and without income at the time of my default when they placed me in collection with Malen Associates. 
In XXXX XXXX, I negotiated the terms of my XXXX XXXX XXXX credit cards debts with Malen Associates attorneys. I PAID THE CREDIT CARDS PER OUR AGREEMENT with Malen Associates who had the agreement of XXXX XXXX, and WITH LOWER AMOUNTS THAN THE ORIGINAL. Once again, XXXX XXXX HAS AGREED to this terms. 
As of today, My XXXX XXXX BANK Account Number : XXXX .... and XXXX XXXX BANK Account Number : XXXX .... are reported at the XXXX credit bureaus as HAVING BALANCES. I disputed this reporting with the bureaus, and after investigation, XXXX XXXX XXXX reports the following : Account charged off. {$3300.00} written off. {$1700.00} past due as of XXXX XXXX and for the second credit card : Account charged off. {$1200.00} written off. {$550.00} past due as of XXXX XXXX. THIS are FRAUD statements! I paid the agreed amounts through Malen Associates Attorneys, and received letters from Malen Associates for the complete clearance of the credit cards with XXXX XXXX Bank. 
WHY DOES MALEN ASSOCIATES ATTORNEYS OR A LAW FIRM FOR DEBT COLLECTION ALLOWS THE XXXX XXXX false statements that I have unpaid balances? As of XXXX XXXX the balances are " XXXX '' and Malen Associates sent me a letter of clearance. WHEN XXXX XXXX is making FAULSE REPORTS to the XXXX credit bureaus THAT DAMAGES MY CREDIT further MORE. SUCH ACTIONS ARE PERMISSIBLE BECOUSE MALEN ASOCIATES ARE INVOLVED IN NEGLIGENCE COLLECTION PRACTICES AND UNFAIR, NO correct REPORTING or no reporting atall.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC
State: WI

Complaint narrative:
I 've had a loan from LoanMe since XXXX 2015 ( formerly XXXX that was wither shut down or on the verge of being so ). {$5000.00} at over 100 %. That 's not my complaint as I knew the rate was high. 

My issue is my personal bank account linked for monthly payments was hacked into. Due to this, My XXXX XXXX payment is a bit late here ( XXXX days as of today ) as my checking account was closed by the banks fraud department The calls from LoanMe started XXXX XXXX and are relentless. Over and over on my cell and at work. As of today I am up to XXXX calls from them in XXXX days! Yes, I can prove it with my cell ID and Phone at work call history. 

Last Thursday I spoke with a Supervisor and told him my situation and intentions for payment and that it should be within a week or so as I am waiting to be reimbursed by my Bank for the " Hack '' of close to XXXX from my checking account. Additionally, I am closing on a credit union loan to pay it off in full. He proceeded to start telling me when he needed money he would go to friends or family and asked why I would n't do the same. The degrading went on and on so I finally hung up. 

Since then, XXXX days have passed and another XXXX calls from them. I finally picked up today and explained my situation again. The female rep stated I should have my money back from the bank by now and suggested we do a XXXX way call to XXXX bank and she would speak with them. I hung up on her also. 

I have never had a loan from anywhere that pulls these tactics and is so aggressive let alone tells me what I need to do to seek money from others to make a payment. And .... the payment is only XXXX days late as of today. It is n't even XXXX days late AND I have been talking with them. 

Nothing short of Loan Sharks and as worse if not worse than payday lenders with their aggressive tactics. 

And, by reading may many online reviews, I am not the only one experiencing thisShame on this Company!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc.
State: OR

Complaint narrative:
Blackhawk Network locked my reloadable debit card. Blackhawk Network locked my reloadable debit card, without cause, contact, or reason, immediately AFTER I loaded almost {$1000.00} to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nelson and Kennard, LLP
State: OR

Complaint narrative:
my wages are being garnished for a debt that is not mine.I have received credit reports from XXXX, XXXX XXXX and this account is no where in my credit reports.After reading the writ of garnishment I noticed that the social security number *********** had been crossed out and my social security number *********** had been handwritten in.This is not my account and I feel like a victim to unfair debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I find a debt of {$270.00} listed on my XXXX Report for XXXX XXXX XXXX - via Optimum Outcomes - from 2013 - no attempt to collect or notify me of said debt or to validate it has been made to me. I want it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 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: MI

Complaint narrative:
I paid XXXX directly and by law, they must recall the account from Convergent, which Covergent agrees that they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 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:
Doctor 's office was given XXXX insurance information before being seen. Secretary too medical card, made copy and still presented me with a bill. Bill has now gone to collections and is on my credit report. Bill should have been paid in full by 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 2016-03-16 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: NM

Complaint narrative:
This is not a legitimate debt. I have repeatedly attempted to contact the office claiming I owe them money. The office does n't exist. Now, CMRE Financial Services is calling me to collect on this debt that is not legitimate. I tried to explain that to them and asked for my number to be removed from their call list. They refuse to give me any information about where they got the information. I told them I needed it to add to the police report for a stolen identity case and they still refused to give it to me until I confirmed my SSN and birthday. I refused for fear that they too would use my identity.

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 2016-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Convergent Resources, Inc.
State: UT

Complaint narrative:
Upon switching cell carriers from XXXX to XXXX, I received a notice from Convergent Outsourcing, stating my account was in collection and that I needed to pay the balance right away. I received this notice on the exact same day ( XXXX ) that I received a final bill from XXXX. When I called, the Convergent agent stated my account was in collections. This final bill is less than two weeks old. I feel this is deliberate misrepresentation of the status of the balance owed XXXX, and representative of an attempt to frighten consumers into believing they have been " turned over '' to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I was told by XXXX XXXX XXXX XXXX that I could try service for 30 days, and if not satisfied cancel free. They are trying to collect {$280.00}. 
I have had numerous conversations to solve the situation with no results.

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 2015-12-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: NY

Complaint narrative:
They call repeatably/ constantly throughout the day and NEVER leave a message nor indicate who they are answered. It has been nonstop for a few months.They call at work and on my cell phone. They have been instructed to only call at home repeatly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 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: GA

Complaint narrative:
I RECEIVED A NOTICE IN THE MAIL ON XX/XX/2016 OF AN ATTEMPT TO COLLECT A DEBT FROM A COMPANY CONVERGENT OUTSOURCING. I SENT THEM A LETTER ON XX/XX/2016 ASKING THEM TO VALIDATE THE DEBT, AND TELLING THEM THAT THE STATUE OF LIMITATIONS ON THIS DEBT HAS EXPIRED. I KNOW THAT THEY RECEIVED THE LETTER BECAUSE I SENT IT CERTIFIED AND I GOT THE RETURN SLIP. THE COMPANY DIDNT RESPOND TO MY LETTER AND THEY STILL PUT IT ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NORTH AMERICAN FINANCIAL CORP
State: AZ

Complaint narrative:
I had initiated a VA refinance application with North American Finance. My loan officer was XXXX XXXX. An appraisal was done my home. The longer the process was taking, the more I was feeling uneasy about working with NAF. I finally withdrew my application. At that time, I was told to pay for the appraisal. A couple of weeks went by when I was finally able to pay the appraiser directly in the amount of {$450.00}. I notified NAF that I had paid the appraisal directly to XXXX XXXX. In the meantime, I initiated another VA refinance application with XXXX XXXX XXXX XXXX. XXXX XXXX was my loan officer. XXXX XXXX had contacted NAF several times to release the appraisal, but kept getting the runaround. Due to the inaction of NAF, my refinance has been denied.

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 2017-03-25 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: TX

Complaint narrative:
a so call Convergent collection agenct is sending me letters stated that I own money to a account i never open.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I have no knowledge of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
For months I have written One Advantage collection company, requesting a validation on debts they have issues on my credit report. They have issues a total of XXXX accounts ( # 's XXXX,XXXX, and XXXX.Please have this company validate these account and inform me of their finding.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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: NV

Complaint narrative:
I never had an account with XXXX, and I have been a victim of identity theft. This account needs to be deleted at once, since it is preventing me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
XXXX slandered when they said they accepted my XXXX plan and then later gave me a terrible experience in the hospital that i had to forcebly despute thru XXXX as they the best they could to appeal and bring it to the hopital to accept

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 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: FL

Complaint narrative:
Over the last several weeks I have received dozens of calls from XXXX, and today the representative from Convergent Outsourcing advised me that they 'd only stop calling if I would provide them the last XXXX digits of my social security number to confirm that I was not their collection target. I ended up providing the information, and they confirmed that I was not the individual they wanted but further told such mistakes " happen. '' I felt as if I were extorted into providing my personal information in order to stop the bothersome calls. It appears as if the business model of Convergent Outsourcing is to call all people with the same, and then by process of elimination hope to eventually find their intended target regardless of how many innocent folks are annoyed with repeated calls in the meantime. This is shameful, and I hope that you can do something about this seemingly abusive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 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: MN

Complaint narrative:
XXXX collection services inc keeps putting a collection account from XXXX from XXXX on my credit report. I do not owe this debt. XXXX owned the debt and removed it XXXX XXXX. Stating they do not have record of me ever having a XXXX account. 

XXXX never sent debt verification letters and XXXX does not have the right to collect under the claim of Minnesota Fair Debt Collection Practices Act XXXX LICENSING AND REGISTRATION. 

Subdivision XXXX. Requirement. Except as otherwise provided in this chapter, no person shall conduct within this state a collection agency or engage within this state in the business of collecting claims for others as defined in sections XXXX to XXXX, without having first applied for and obtained a collection agency license. A person acting under the authority of a collection agency, as a collector, must first register with the commissioner under this section. A registered collector may use XXXX additional assumed name only if the assumed name is registered with and approved by the commissioner.

Company response to consumer: Closed with explanation