vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Firstsource Business Process Services, LLC
State: NC

Complaint narrative:
This company First Source Advantage has called my employer several times and left voicemail messages at my place of employment for me stating on the recordings that they are calling to collect a debt and leaving a number XXXX stating that if this is the wrong number to call and let them know. I do n't believe that they are supposed to leave messages at my place of employment stating that they are calling to collect a debt. Additionally, I called them on last week XXXX XXXX, 2016 and requested that they only contact me by mail. I informed them that someone else at my place of employment retrieved and listened to the message. However, they called again on today, XXXX XXXX, 2016, and left the same voicemail message at my place of employment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: First Choice Assets LLC.
State: CA

Complaint narrative:
The company is First Choice Assets LLC. They have bought a debt from 2009 and the statute of limitations has run out in CA ( 4 years ) and their practices are sketchy. They start by saying they need to verify info to send an important package ( after 4 phone calls like this I have not received anything ). Then they want verification of the last XXXX of the social security number. After that they start to ask why I defaulted on the debt. It was 7 years ago. I have told them each time they have called that this debt is past the statute of limitations in CA. In fact, the first guy said they need to get this resolved before it runs out ... almost like they know they legally ca n't collect on this. This debt has been removed from my credit report so I know as far as the debtor is concerned it 's over. Each time I confirm that the call is being recorded and each time I have told them that they can not collect anything and I am not paying them a penny. 
One guy asked me if I had ever been served papers regarding a debt. Usually when confronted they just hang up, but every couple of months they call me again. It scares me how many people do n't know the law and are paying these guys for old debts. 
I have asked them to stop calling me, which they said they would, but i doubt it, because they have called themselves by more than one company name and claim no one has contacted me before.

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 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Convergent Outsourcing sent me a letter stating that they are collecting for Galaxy Asset Purchasing on a XXXX XXXX account I never had. They claim they are willing to settle for XXXX percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE Finance. XXXX XXXX. {$100.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
On XXXX XXXX, 2016, I saw that I had a bill from Convergent Outsourcing. Which the debt collector sent this debt to an old address that I have not had any type of communication with since XXXX 2016. I never knew I had a debt I collection. The original creditor, knows my physical address, because I already have an separate open case with this creditor. Which I am asking for Convergent Outsourcing to send my verification of the debt and I am also disputing the debt. The information that debt collector has sent me does not outlined to make me understand the amount they are asking for. I have no knowledge of the debt and the debt is not mines. I did not have enough time to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 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:
Received a letter claiming I owe debt on a Debt that was paid in full more than ten years ago. Called Convergent Outsourcing Inc to dispute the debt informed them that it was paid in full over 10 yrs ago. Later received another letter requesting information to complete the their investigation. As of now my bank I was unable to pull up my bank history due to the age of the acct. I feel that the original lender XXXX sold a debt that was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 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: OH

Complaint narrative:
I have never had a account with a company called XXXX. I have told them this on many occasions and they continue to say that I owe this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 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:
Convergent Outsourcing is attempting to collect a XXXX, XXXX cellular phone bill when the delinquent amount is not owed. After speaking XXXX with Convergent representatives to demonstrate that incorrect or perhaps fraudulent charges have been assessed against the account holder, Convergent still makes attempts to collect this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 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: RI

Complaint narrative:
Sending emails, threating to sue and add additional charges resulting in jail time, calling non stop after XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
This one advantage, llc trying to collect debt from XXXX/XXXX/2007 If this pertains to school loans and all my loans where consolidate and are in forbearance so I do not owe what they are trying to collect. If this is from XXXX they lied about there programs and rushed me to start before I was ready and before they had all my transcripts to make sure I was able to start program selected and that it would lead to career desired and I found out after it would not when they told me it would. Staff was not helpful ... only want money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EMBRACE HOME LOANS
State: AL

Complaint narrative:
I refinanced my home with Embrace Home XXXX and closed on XXXX XXXX, 2015. I refinanced from a 30yr mortgage with no MIP. The MIP was removed after 5 years and after my LTV was below 78 %. After about 2 years I decided to refinance for a lower rate and no MIP. I refinanced with a streamline 15yr mortgage. No upfront MIP and no annual MIP. I have made payments for a year and then Embrace decided to withdraw money from my Escrow account without my knowledge to pay form MIP. They withdrew money to pay for taxes and insurance and caused my escrow account to be short. After trying to get them to understand that I did not have MIP, they decided to refund my account. After refunding my account they said my loan should have had MIP. Based on what the lender and other lenders I shopped with before deciding to go with Embrace my loan does not have MIP. I did not sign any documents that stated this loan would have MIP. All loan disclosures we signed only stated payment would consist of P & I, taxes and insurance. How can 1 year after closing a bank just can add insurance to a loan and remove money from accounts that they have no rights to. It is my understanding that nothing can be added to a loan after closing. If there was a clerical error they could contact me to correct that but. nothing regarding the amount of loan, interest or any other payments could be added. Please help I have tried since XXXX of this year to get this corrected and they can not seem to fix this problem. It seems that the bank should be fined and held responsible for this error and correct the problem or pay my house off. I attempted to make a payment today online like I normally do and could not, because the payment amount is incorrect because of this problem. They have added MIP to my payment and well as a shortage amount which they caused the shortage themselves by steeling money from my escrow account. I have attached my Final HUD, Truth and lending statement, which show no MIP at closing. I have also attached my first payment stub which also shows no MIP. The current payment know shows MIP and escrow shortage. This need to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 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: TX

Complaint narrative:
On XXXX XXXX, 2016 I reviewed my credit report from the XXXX Credit Bureau and noticed an account from CMRE Financial Services , Inc . This agency claims that I owe them {$280.00}. Therefore I sent a validation letter requesting specific information about the account they claim I owe them. On XXXX XXXX, 2016 I sent the letter requesting proof on the account they claim I owe them. On XXXX XXXX, 2016 they sent a letter stating that they looked into my dispute. The letter I sent on XXXX XXXX, 2016 was a validation letter requesting specific information regarding the collection account that CMRE Financial Services , Inc claims I owe them. It was not a dispute letter. CMRE has not provided sufficient evidence that this account belongs to me.

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 2017-01-13 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: TX

Complaint narrative:
I have sent a letter asking this company to VALIDATE this account and they have failed to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Old medical bills waited over year too contact Me now insurance wo n't pay also figure different on credit report from calling in

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 2016-02-27 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: IL

Complaint narrative:
I recently received a letter of a debt collection. The debt collection is from a company I never personally had a contract or business with. It must have been a identity theft that I 'm not aware. I will take the necessary steps with my local law if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Moxley & Associates, LLC
State: AL

Complaint narrative:
I 'M WRITE TO ALL OF YOU AGAIN. HOLLOWAY & MOXLEY IS STILL CALLING OUR HOME AGAIN.AND THEY WANT TO LISTEN TO NOBODY.THEY NEED TO LEAVE US ALONE. I 'M SORRY I PUT MY NAME DOWN BECAUSE I DID N'T KNOW.I WROTE ALL OF YOU JUST IN A LAST MINUTE.TO HELP MY MOM.I WANT HOLLOWAY & MOXLEY QUIT CALLING OUR HOME BEFORE MY DAD WILL LET THEM HAVE IT, OR ME. YOU ALL DO SUCH A GOOD JOB.BY HELP PEOPLE DEALING WITH HARASSMENT.I WANT TO SAY THANK YOU SO MUCH.AND GOD BLESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 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:
Have full coverage insurance, paid co pay of XXXX dollar as required be my XXXX XXXX XXXX plan to hospital XXXX at time of visit. Visit was 10 min to look in my ear. My insurance was billed afterwards. Then i got nasty calls from CMRE. XXXX to pay or they would destroy my credit. I explained to them the bill was paid in full. I now see repeat strikes on my XXXX credit reports from them. I would like to take legal action

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Group Inc.
State: OR

Complaint narrative:
I have had this phone number for about 5 months. I keep getting phone calls from United Finance. I have told them on many occasions that there is not XXXX here, but they still keep calling me. I have wrote them a letter asking them to stop calling, but I still keep getting calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 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:
On XXXX/XXXX/15 I received a letter from collection Agency to pay {$250.00} : CMRE Acct : XXXX The DEBT IS NOT MINE : I was billed wrongfully by Texas XXXX XXXX XXXX ( account # XXXX ) through the Agency " XXXX '' with account XXXX, last bill in amount {$250.00}. This bill was to be covered by XXXX XXXX, to whom they sent firstly the request, but on improper form, so did n't get paid. 

This bill is from my account # XXXX ( on XXXX form only, on XXXX account it is only the numeric part ) and should be paid by XXXX billing only, though despite of my repeated contact with Customer Service of Agency " XXXX '', the bill was n't sent properly to Texas Dept. XXXX XXXX. XXXX 'XXXX XXXX. I received XXXX such bills from " XXXX '' - their billing service : First bill from The Texas XXXX XXXX XXXX on XXXX/XXXX/15 = {$300.00} ( XXXX XXXX and XXXX ) ; Second bill on XXXX/XXXX/2015 for the same service had XXXX ( XXXX XXXX XXXX ; The XXXX bill statement is from XXXX/XXXX/15, for the same service ( XXXX ), but with a different amount {$250.00}, due to new service was added ( from XXXX/XXXX/15 ) and I paid immediately my duty : {$1.00}. On XXXX/XXXX/15, I called Texas Dept. XXXX., and I submit FAX with bills from XXXX to XXXX XXXX Customer Service XXXX Claim # XXXX, confirming that XXXX XXXX has to pay my bills. On XXXX/XXXX/15, they requested to Texas XXXX to submit the appropriate forms, though Texas XXXX never sent their new bill form till today ( XXXX/XXXX/2015 ), when I contacted again XXXX ( phone XXXX ) about paying my bills. The Customer Agent called today Texas XXXX and asked again to submit appropriate form for getting money for my bills ( today claim= # XXXX. They again promised to send it, so I will XXXX in 2 weeks, but can be too late for my credit score tarnishing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: AZ

Complaint narrative:
Received bill from XXXX XXXX on XXXX/XXXX/XXXX for {$200.00}. I did not know I had a balance. Sent check XXXX XXXX/XXXX/XXXX for {$30.00}. Never received an updated balance. Received collection from CMRE on XXXX/XXXX/XXXX for {$200.00} on behalf of XXXX. From XXXX until XXXX I sent XXXX {$10.00} payments totaling {$70.00} to CMRE. I stopped getting letters from CMRE. On XXXX/XXXX/XXXX received bill from XXXX for {$170.00}. ( 2 years later ). I paid check XXXX on XXXX/XXXX/XXXX for {$25.00}. Never received updated bill. On XXXX/XXXX/XXXX I received bill from XXXX for {$130.00}. I sent check XXXX XXXX/XXXX/XXXX for {$25.00}. I have now received XXXX new collection letters from CMRE for {$65.00} and {$140.00}!!! I can not keep paying these XXXX companies all this money. I have never been credited correctly by either company. I feel I am now being ambushed to keep paying money out that is not due. I can not get anyone on the phone to straighten this out. Over two and half years I have been chased for more money and never once got an accurate updated statement showing the {$150.00} I have paid out between XXXX XXXX and CMRE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Choice Assets LLC.
State: GA

Complaint narrative:
I continue to receive calls from varies debt collectors looking for a XXXX XXXX or other person I do not know. The latest was from : First Choice Assets LLC Mailing Address : XXXX XXXX XXXX. # XXXX XXXX, NY XXXXPhone : XXXXFax : XXXXEmail : XXXXXXXXXXXX.XXXXThey call from a local XXXX number of XXXX. I identified myself and order them not to call me. They accused me of being rude and unhung up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I keep getting repeated phone calls from Conn 's regarding a debt, they call every hour, and have even called back to back. One Sunday, XX/XX/XXXX - I received XXXX phone calls from XXXX and none of those times did they leave a message. I have a file that I would be happy to send showing the number of times they called in one day and the frequency and back to back calls - two calls in one hour - on a Sunday. Today, XX/XX/XXXX, I 've so far received 5 calls before XXXX thru XXXX - again - robocalls with no message left. I have told them not to call back to back and it was crazy for them to call that many times on a Sunday, and that I would be filing a complaint. 

here is the frequency and proof of no message left - as it was just a " missed call '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
The credit reporting bureaus are reporting my credit card accounts as fraud which is not the case. Therefore, my credit accounts are being closed in error. I contacted them about two months ago and I was supposed to hear back. To date, I have not received anything other than an affidavit for fraudulent transactions. It was not completed because this is not the case. All charges were authorized and made by me. Also, after updating my address, they keep sending correspondence to the old address which is where the above was mailed. I opened the account to establish and maintain a good credit history and because their incentives appealed to me. This account is valid and I 've made payments on it as agreed over a period of time, close to two ( 2 ) years. Now, that information is not reflected on my credit reports because it was deleted. I did not file a fraud complaint with any of my credit cards or the bureaus. However, I do have a fraud alert which requests to call my number to verify my identity before opening an account under my name. This was done initially when the account was opened and confirmed which is why the account was opened in the first place. I believe what may have prompted this was a change of address as I recently moved. At the moment, valid and accurate information is not being reported under the Fair Credit Reporting Act.

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 non-monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Questions It states THERE DECISION was based in part on a credit scoring system that was used to evaluate my application the reason where I did not score well compared with other applicants have been determined and are listed below insufficient credit history on file so my question is is it legal or is it fair that they are evaluating or trying to generate score a credit scoring system based on they are comparing me with other applicants in order to create this credit score I do n't think it 's fair that they want to compare mine my personal information or evaluate me if I am up to par and compare that with other applicants and that 's how they determined second question it also States some information used to make this decision was obtained by the credit reporting agency it did not make this credit decision and is unable to provide you with the XXXX reasons of our action

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