vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-22 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: Credit Protection Association, L.P.
State: NC

Complaint narrative:
I received a notice in the mail from this debt collection company CPA on XX/XX/2012 for {$290.00}, stating the original creditor : XXXX XXXX XXXX - XXXX. It was addressed to me by name, however it lists my SSN XXXX which is not my SSN or my Fathers ( who was linked to my XXXX XXXX Bill ) in 2012 I contacted XXXX XXXX and gave them every piece of information about my account with them and the account numbers CPA listed on the collections notice. They affirmed that I do not have any outstanding account with them and had no files or information linking me to any collections agencies. I have tried reaching out to CPA via phone but I believe they have been shut down by the FTC to some degree. I am filing this complaint based off advice from other people with similar issues with CPA. I do not owe any money to XXXX XXXX. I returned my cable box and payed all balances in 2012. I even returned my friends cable box the same day I returned my cable box and closed my account

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 2015-05-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
Asked for validation of debts and Financial Recoveries does not respond.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-01 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
I recently received a refillable prepaid XXXX card in the amount of {$25.00} as a gift from work. After 10 days I was billed {$5.00} as " monthly management fee ''. My complaint is, how can a credit card company charge such high fees just for providing the card? On a {$25.00} card that 's like 100 % interest per year ( maybe more )! This is on top of the fee that they charge the company where you use the card ( usually 2 percent I think ), and the fee charged when you purchase the card ( usually around XXXX dollars ). How can the government allow such usury rates to be charged by creditors?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 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: Credit Protection Association, L.P.
State: PA

Complaint narrative:
I received my FIRST notice from a company called Credit Protection Association L.P. on or around XXXX XXXX, 2016 claiming I owe a debt to XXXX XXXX in the amount of {$74.00} plus a collection fee of {$12.00} ; totaling {$87.00}. I contacted XXXX XXXX and spoke with a member in their collections department. There was no record of my name or SSN to indicate I owe them a debt. I attempted to contact Credit Protection Association L.P. several times to no avail. I have sent them a letter describing my issue and have received no response, however the debt has been added as a collection to my credit report which has had a severe impact on my current credit score and report. 

What is more alarming is the nature of the letter, as it is almost threatening in nature and appears to be a scam. The letter claims they have contacted me several times, however this letter was the first I have heard of any debt owed to the company. It also goes on to state that they can not understand why I would " refuse '' to pay, claiming that most people are concerned about their credit and pay their past due balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-04 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Bliksum, LLC
State: SC

Complaint narrative:
I took out a loan from this company, just after I took out this loan I was displaced from my job of 6 years, I was trying to do the right thing and notify this company of my displacement. I told them would like to set up payment plan until I get back to work I also told them I had to close my checking account the money wo n't be there do not debit my account they debited my account anywaysThen charged me XXXX on my account, the rep or supervisor refused to work with me telling me I had to pay the regular payment told them I do not have the money or resources at this time they told me nothing they can do, this company refuses to work with meOr set me up on any repayment plan which would allow me an opportunity to repay the loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX provided my personal information to a third party without written or verbal consent. They sent my information to CMRE collection agency. They are in violation of XXXX laws.

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 2016-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Money Investigations, Inc.
State: WV

Complaint narrative:
XXXX XXXX has called my family about a loan for another family member and is very rude, called my mother crazy and needed medicine, called my mother in law whom is XXXX years old and told her she was a liar. He has called my brother and threatened him and called him a liar. Everyone hung up on him and he keeps calling back. We did not co sign for a loan and do not want to be contacted and have told him, but he does not care. Please stay away from this man.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
the person who would not identify them self threatened to have me arrested if I did n't pay them the inflated amount they demanded. I asked for a breakdown on how the charges came about and he said that is n't his job, his job is to put me in jail or collect money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 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:
My only notification of this debt was from CMRE Financial Services ( debt collector ). I never received an original bill from the doctor. I agreed to pay the principal owed under the pretense that CMRE would send me the original statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 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: NJ

Complaint narrative:
I was liviing in XXXX NJ and subsequent to becoming XXXX and I had immediately received assistance for my heat ... gas and electricity provided by XXXX . 
In the new year XXXX XXXX, I moved over an hour away and NEVER re received any notice of owing any amount due, HOWEVER. .I did receive a postcard forwarded that stated the fund had unassigned benefit for XXXX only to be paid to the XXXX account for my profile on record. 
I called and explained I had moved and had no bill and of course the credit I had completed a timely request for consideration was approved already and I had no action to take and to my surprise. I received the postcard and apparently the move had me off their system as per XXXX. 
I was advised in I believe XXXX with the organization requesting the information to assist so that they would be able to find me to confirm my status and to receive a 3rd party Attempt to Collect a Debt not owed, is bold at the very least and having not planned the incident that affected many, and needless to say, my personal self, my accustomed income through strong sense of service abd purpose, to add to this, so many negative responses through my credit and almost half either paid, insured or on this case, a serious lack of communication since XXXX was initially bouncing payment back and I handled it and as quickly as that, in turn they, The XXXX Local Branch advisd me of the payments rerouting and paid in full give a few extra dollars, I never heard back to support the actions of Convergent. ( The copy of what I received today is attached in this email. ) Again, unapplied funds in my name under my XXXX acct number for XXXX XXXX in XXXX were rerouted to XXXX XXXX XXXX to 3 yrs now. 

I Thank You in Advance for Your Time and Attention! 

Gratefully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I have filed a claim against this company before.and got a judgement in my favor.and now there back on my credit report please help me thank you.!!!!! i dont know my case number

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 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: TX

Complaint narrative:
I have reached out to this company to validate debt and they have yet to validate. I am requesting valid documentation as well as my signature to alleged 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 2015-04-17 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: NY

Complaint narrative:
Dear CFPB, today, XXXX XXXX, 2015, I recieved via regular mail, harrasing letter from a agency called XXXX XXXX, XXXX concerning a debt that I have no knowledge of. I will be sending this agency a debt dispute and a letter to stop harrassment through the mail.

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

Complaint narrative:
Hi. I received a phone call from CMRE FINANCIAL SERVICES that I got a collection debt from XXXX. I was completely unaware of this until today when I check my credit score. Two years ago on XXXX XXXX, 2015, I went to XXXX. I can assure you that everything I described here is true. I went there because I thought my contact was still in my eyes so I got my eyes checked. It only lasted 10 mins so the receptionist gave us a discount. I do n't have any evidence to prove this sadly. The total amount is XXXX. I absolutely paid everything since I was an XXXX ( you can verify this by my SSN and tax info ) and I would be back to college after a month. I am an XXXX so my college insurance does not cover in this case. They only sent mail afterwards to my temporary address in XXXX XXXX on XXXX XXXX, 2015, XXXX XXXX, 2015, and other dates. I did n't know about this entirely for two years until today. So I immediately called them to ask for explanations but they were unable to give any reasonable explanation why they charge me. They said it 's unlikely to spend only XXXX dollars at XXXX. I have no choice but to pay the debt immediately. I really really did n't earn this debt and paid the full amount when left the urgent care. I feel very frustrated and helpless as an XXXX who tried to get medical help for the first time outside the college. It 's better if they can at least text me or email me instead of just keep sending mail to my summer apartment. Why they can not try notify me earlier instead of after two years? Why they send the first mail almost three months later instead of immediately after my visit? They ( XXXX ) can not answer. Please help me ... ... please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 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: FL

Complaint narrative:
in 2009 in Nevada someone opened up a XXXX Phone in my name, I called XXXX and tried to reason with them, they wanted me to pay over {$800.00} to clear my name. It was to be taken off after it aged out in XXXX..A new collection shows up for XXXX collections in another name ..This is a Debt I have been battling for 7 years and it keeps rising.it is now 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 2016-05-07 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: IL

Complaint narrative:
I recently received a copy of my credit report so that I could begin the process of credit rebuilding and I saw this debt collection on my report. Although I am not disputing that I did owe the original creditor money, I did not owe the amount that was being reported by this collection agency. Also I noticed that the date they are reporting this date is off by almost 5 years. They are reporting it as if it is new and it is not. I called the number listed on my credit report and asked for verification of the debt. The person I spoke with refused to acknowledge that asking for verification of the original debt was a legitimate request. I was told that I needed to give them my information, such as social security and date of birth along with a current address and phone number in order for them to verify the debt. When I refused to give that information I was told that I would have my income tax garnished for refusal to pay. At that point I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau of the South, Inc.
State: LA

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Convergent has re aged and reinserted the alleged debt from XXXX on my Credit Reports. They are listing this account as having activity in XX/XX/XXXX which is incorrect and a violation of the law. 

These trade lines were removed as a result of a dispute by me in XX/XX/XXXX. 

This reinsertion came with no notification in writing to me. I noticed when I pulled my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: NJ

Complaint narrative:
I have my medical providers in XXXX XXXX and all the bill and patient info is completed by that application. I have no outstanding balance with XXXX XXXX and never had a debt from them against me as I paid in timely fashion. 
Approximately 2-3 years ago when considering buying a house mortgage company has told me that I have on a credit report an outstanding debts ( XXXX ) of them that I have not been aware of, as no notification letter was sent to me. I have used lawyer services to deal with that. In summer last year lawyer has confirmed with optimum outcome that I do not have any outstanding debt with XXXX XXXX. The collection was taken off my account. Imagine my surprise when now a year later again the same company optimum outcomes has again placed a collection without Any notification on my credit with the same supposed debt from XXXX XXXX. Again they have impacted my mortgage process. However now I 'm considering a lawsuit since this is impacting my ability to simply " live ''. I 'm surprised that those kind of business tactics are not punishable by law in protection of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 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: MI

Complaint narrative:
Doctor billed the incorrect amount and after I refused to pay the incorrect amount, they sent to collections and is now on my credit report as an adverse account. The doctor has verified with my insurance company that the wrong amount was billed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 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: NJ

Complaint narrative:
I received letter from convergent outsourcing stating i owe XXXX from XXXX. I have a XXXX balance with XXXX. I noticed on the XXXX help forums that this company routinely tries this scam with hundreds of people with no impunity from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 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: CA

Complaint narrative:
I received a notice from Convergent regarding a debt in the amount of {$490.00} that was charge-off in XX/XX/2003 ( 13 years ago ). I believe this debt exceeds the statute of limitations under the FDPCA ; however, I requested Convergent to provide proof of the debt. Convergent later follow-up with a letter stating that the debt is valid and included a record that does not correspond with the amount due ( attached ). I believe 1 ) the debt they are trying to collect exceeds the statute of limitations, and 2 ) the amount is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 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:
i had this debt on my credit report and disputed it and reported it to the fcc and XXXX, and they removed it from my credit report, but now its back again under another credit collections agency but from XXXX. they just put it back on with another name so it will go back on my credit report. i had already spoke with XXXX as well when this issue incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My roommate received a pre-approved notice from Barclay Bank for a credit card. We have the same address AND he is an authorized user on my current Barclay Bank Delaware credit card. 

He submitted the application, however, they claim the letter was meant for me and they used my SS # to pull the credit report. 

He contacted them and they explained the reason it was n't approved ( no big deal ) was his name did n't match my SS #. 

He was provided with a ref # XXXX so that I could call and have the inquiry removed from my credit bureau since this was obviously an error on their part. 

I called and got nowhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
After filing for Chapter XXXX Bankruptcy this creditor, Synchrony Bank ( XXXX XXXX XXXX XXXX ) continuously calls XXXX times per day. They were listed as a creditor in my bankruptcy petition and were sent notification of the filing over XXXX month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation
State: WA

Complaint narrative:
Quality Loan Service, trustee for XXXX, has been holding up closing on a transaction, first by withholding a payoff, and now by not responding to our request for notice of error for the most recent payoff obtained. We obtained a payoff statement valid through XXXX and in anticipation to close XXXX ordered a new payoff in writing to them on XXXX. This payoff was not received until XXXX after numerous requested from both our law firm and the closing agent Attorney 's Title. The payoff quote was received and only valid for 2 days. The quote happened to incur a {$3000.00} new fee that we were requesting be looked into and since the request per XXXX XXXX XXXX ( b ) they have not yet responded. With the addition of this fee we are unable to close. We were anticipating closing based on the per diem and they have taken so long that fees just continue to accrue. Numerous phone calls to this trustee result in a voicemail and multiple emails are not responded to. The second lien is being shorted and the longer it takes for this trustee to respond, the more fees they are able to collect ultimately costing the consumer money. We need this looked into immediately.

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