vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Late last fall and into spring of this year, I was ill and was not able to work as much as I usually do thus fell behind on payments on this credit card. Additionally, when my husband went out of state for a job, he suffered very XXXX and was unable to return home for 3 months until released by the doctor there. I paid what I could each month in an effort to show the company we are serious about bringing our account up to date, and since early 2016, I have repeatedly called this company explaining our situation, even offering to send proof of our medical issues. Each time I have called, the customer service representatives demand large sums of money to be paid over the phone, do n't listen, refuse to transfer me to a supervisor despite multiple requests, tell me this company/bank has no plan for assisting a customer in catching up due to medical emergencies, that they will not temporarily suspend late fees, interest and now over-the-limit fees as due to their late fees we are over our credit limit. When I asked a customer service representative to close my account, I was told I could not close the account but that even if I could, the monthly charges for late fees ( charged when a payment is not made in full ), over-the-limit fees, and interest would continued to be added to our account on a monthly basis. The balance on our account grew each month by approximately {$120.00} in company charges. I would also note, I was told I could not close the account ; however, not long after my last request to close the account, we received a letter from the company stating they had closed the account. The current minimum payment due is over {$500.00}. Our total balance has increased to more than {$400.00} over the credit limit/around {$550.00} above the balance when we experience the loss of income due to health problems. We will never be able to pay off this card as it stands now because this company claims not to have any program in place for assisting customers in bringing their accounts current after major medical emergencies. This company has been made aware several times that we can not pay the high minimum payments yet they continue to add fees to our account. This is usury and a financial trap from which no one, apparently escapes ... ever. Of course, each time I 've called, I 've been " threatened '' that if I do n't bring the account current right then by making a large payment over the phone, our credit will be affected, which it has been as this company has reported the account delinquent yet did not bother to note the cause ... emergency medical issues.

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 2017-02-28 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: MN

Complaint narrative:
Previous CFPB Complaint XXXX Convergent Outsourcing has sent a response letter to my CFPB complaint regarding never receiving the notice of right to dispute. In the letter they state that a validation letter for the account was mailed to an old address, XXXX XXXX, MN XXXX. they stated they were notified by XXXX that I had moved and I left no forwarding address. They state that they believe the information they have reported to the bureau was fair and accurate information, they do n't believe they violated any laws. 

I moved in XX/XX/XXXX. I submitted a request for address change to the United States Postal Service. My Official Change of Address Confirmation Letter from the United States Postal Services states " Your mail will be forwarded to your NEW address, as you requested on : XX/XX/XXXX. ... MAIL FORWARDING EXPIRATION DATES : First Class Mail, Priority & Express XX/XX/XXXX. '' I refute what Convergent has stated, I received mail that has been sent to my old address at my current address under this current forwarding. I received mail the same week, XX/XX/XXXX that was forwarded from my previous address, stamped XX/XX/XXXX. I also include a piece of mail sent from XX/XX/XXXX, illustrating the success of forwarding to my home address. 

I also updated my address on my Drivers License, XX/XX/XXXX, a copy of the paperwork shows the date. My current home address has also been updated on my credit report. 

I should have been able to receive the initial validation notice, or at the very least, a new one could have been sent to my current address, which has been updated since XX/XX/XXXX. 

Convergent has deprived me of my chance to dispute this debt or request validation by not sending the notice as required within 5 days of contacting me regarding this debt. 

On XX/XX/XXXX I received a call from a representative XXXX, from Convergent Outsourcing. She asked me to verify my name and address, which I refused to do, and the caller ended the call. Convergent had ample access to obtain my current home address to send the initial validation letter and they failed to do so, violating 15 U.S. Code 1692g - Validation of debts I have contacted XXXX on both XX/XX/XXXX and XX/XX/XXXX regarding this matter and they are escalating a review of my account to the executive team, they have asked for 72 hours before a complaint is filed including them to the Attorney General for them to investigate these FDCPA violations by Convergent and they 're refusal to remove the reporting from the Consumer file. XXXX will receive a copy of the proof provided to the CFPB depending on the outcome of the escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Collection company " Convergence '' called me at XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Harvard Collections, LLC
State: TN

Complaint narrative:
Collection agency put debt on credit report without attempting to contact first. Agency will remove and collect properly or I will sue them. They will contact me by mail only. 

Refer to complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
On the first contact, the collector DID give the Mini-Miranda, but DID NOT verify any of my information such as D.O.B or last XXXX of SSN before proceeding. Once she asked if this was " first name, last name '' and I said yes, she immedietely began to disclose information about my debt. ( I could of been any " first name, last name '' ) This is an FDCPA violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
i checked my credit today and found that this company reported me without even trying to contact me i have dispute this debt with other collection agency at one point thru cfpb but they continue to harass me i have several issues with this company also

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
I continure to receive Debt Collection Letters from Works & Lentz Inc regarding Medical Bills to which I do not owe and have proivided Notarized Identity Theft Affadavit as well as Police Report, as well as Cease and Desist and they continue to Harrass me for debts I do not owe, and have now sent Medical Records on someone whom I do n't know and that is FEDERAL HIPPA VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 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: NY

Complaint narrative:
I 'm only XXXX and never had an account in my name before and just found out that I have this collection on my report the do n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 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: IL

Complaint narrative:
i received a forwarded piece of mail on XX/XX/2016 from CMRE FINANCIAL SERVICES and have not been given : Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent

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 2016-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I received yet another notice from Convergent saying I owe over {$1600.00} to XXXX network. I received XXXX the day before saying the same thing about XXXX. I have the following issues. 

1. I called Convergent today to see what they could tell me, which was absolutely nothing. I asked for details, and the phone was conveniently disconnected. I called back, and was on hold for over an hour, and still did not get anything. 

2. This debt was not me. They did n't even spell my name correctly. 

3. The notice had no option to verify debt, and when I asked them to, they wanted my social security number, which I 'm not going to voluntarily give without some form of verification of debt. 

4.This debt is waaayyyy past the statue of limitations to collect a debt in Michigan, which is 6 years. Considering I 've lived out of state for the past XXXX, nobody has a right to even try to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 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: PA

Complaint narrative:
I do not owe this XXXX when i called this company Convergent they said it was 10 years ago. Why are they calling me all hours and sending me this paperwork i have attached

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 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: MA

Complaint narrative:
XXXX was the defendant in a Class Action Lawsuit several years ago https : XXXXThe short story on the case is : XXXX was processing checks presented before the deposits were credited, causing XXXX of overdraft fees. Then if that was n't enough Citizens " sold '' all the fake debt to a " Third Party '' collection agency ( Convergent Outsourcing Inc XXXX ) who now appears on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX canceled her XXXX account with XXXX XX/XX/2016. XXXX continued to collect money from her using automatic bill pay ; even though she cancelled, returned the equipment, cancelled the contract, paid off the contract. 
XXXX billed for services not rendered. XX/XX/2016, XX/XX/2016, XX/XX/2016 
There was no XXXX equipment at her house, it had been returned in XX/XX/2016

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX I opened a XXXX credit card account with Capital One under the condition that I will not be personally responsible for that credit card in any way. In XXXX, Capital One decided to report their small XXXX accounts to the consumer credit reporting agencies in violation of our agreement a year earlier. I have requested several times that they remove any reporting that has been made on my personal credit, but they continually keep reporting it. I have requested several times from Capital One to provide me with documentation showing that I authorized myself to be obligated to pay for the XXXX credit card or personally guarantee it, They have refused to send me any documentation. I would like to resolve this issue and request that you investigate this matter. I can send you documentation supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I applied to get an apartment for myself and my XXXX years old daughter. I received a phone call that my application was denied due to credit issues and I asked them I should not have any issues on my credit report and they could not give me the details. I had gone to my cousins house and used his computer to see my credit report from XXXX. I did that and I saw a collection account for an unpaid XXXX account from company called DIVERSIFIED CONSULTANT. I immediately called XXXX and spoke to billing department and they told me that my account was in a good standing with them. then I called DIVERSIFIED CONSULTANT and talked to their repersentive about this account that showed up in my report and they told me that based on my social security information they do not have any account that they are reporting to the bureaus. I told them I like to speak to supervisor and told me the same thing. then I asked them to provide me with the a letter that I do not have an account with them and they told me they can not do such a thing. that 's why I am here hopefully with your help I can get my problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I had a credit card with USAA bank and defaulted on the card. I called USAA bank to settle and they told me that I cant because they wrote it off as bad debt and they sent me a XXXX back in 2013. They sent it to an old address.I requested a copy but they still are reporting a balance on all XXXX credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 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: Diversified Consultants, Inc.
State: VA

Complaint narrative:
Hello : I am writing this letter because there is a big mistake on my credit report. I am specifically asking for a legal debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA for the following account : DIVERSIFIED CONSULTANT {$1500.00} Collections ( XXXX ) The collection company has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item and prevent them from re-inserting this item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to a speedy resolution of this matter. 

XXXX XXXXSSN : XXXXDOB : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA has limited, basically blocked my access to their institution because of a credit card charge off, due to a divorce. I have many other accounts with them however I can not access all features of them due to this XXXX charge off. I pay my bills on time and the only negative thing is this credit card. I have since closed my checking and savings accounts with them, but have maintained all insurances with them. I have called USAA multiple times trying to access my information and they have refused to help me in this. Their only excuse is because of I have a credit card in bad standing with them, they have blocked my online and mobile access, and it is not possible to reinstate it until the credit card is back in good standing. This is humiliating, and a punishment from a bank. Absolutely ridiculous treatment to their military/veteran customers. We sacrifice and they discriminate. How is this even legal to do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
We closed on our Minnesota home cash out refinance mortgage with USAA on XXXX XXXX. It was a reschedule from XXXX XXXX, so we ended up having to wait an extra day for the rescission period to end over the weekend for disbursement on XXXX XXXX. Well it is now the XXXX and the money has not been wired to our bank, nor has the original loan been paid off. 
The disclosure statement, which we did n't receive until the morning of XX/XX/XXXX, when I demanded it, had an additional 7 days ( from disbursement date ) of interest to the previous lender built into it. Then yesterday on XX/XX/XXXX they tell us we have to sign an updated disclosure ( which I have attached ) because they have to account for the extra fee to extend the lock which they were paying for. I have been asking for our funds since Tuesday and was told yesterday by our processor that the new signatures would not hold up the disbursement. Ok, then where is our money?? Can they really just keep holding our money and making us pay interest on all of it while they take their time in disbursing. Do n't let me get started on the rest of this horrible process. Worst refi I have ever been involved in!

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 2016-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
They are a Florida company using a XXXX PA area code with a changed last for digits to get past my call blocker. I know this because I called back to get there automated message and did research on there company, Diversified Consultants. They have been doing this over the last mouth, starting on XXXX/XXXX/2016, the most recent call, using the number listed, being today, on XX/XX/2016. I did my research and I am SURE I owe nothing as far as debt is concerned. They have no reason to be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: ND

Complaint narrative:
I recently applied for a VA Home Loan through Loan Depot. XXXX XXXX, Senior Mortgage Banker, XXXX XXXX XXXX XXXX, XXXXXXXXXXXX was the contact. It was XXXX/XXXX/2015. I paid Loan Depot {$2500.00} for the Lender, ( Loan Depot ) to get this loan for me and lock my interest rate in at 3.75 %. Between XXXX and abstractor, the process of closing this loan was so slow that my loan interest rate of 3.75 % unlocked and through no fault of mine that I can see, I lost my interest rate of 3.75 %. On XXXX/XXXX/2015 I was forced to pay Loan Depot another origination fee of {$2600.00} PLUS an additional fee of {$1300.00} to secure a HIGHER rate of 3.875 %. XXXX XXXX, Sr. Account Manager III, ( XXXX ) XXXX tel/fax, ( XXXX ) XXXX ext. XXXX, XXXXXXXXXXXX dealt with XXXX and abstractor. 
The amount of time it took for XXXX to get the paperwork in order was very slow. As far as I am concerned Loan Depot knew full well that it was not me dragging my feet or holding up the process but they went ahead and raised my rate and hit me with new charges anyway. I considered that unethical but I signed anyway before they raised the rate against my will again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation