vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: BARCLAYS BANK DELAWARE
State: MT

Complaint narrative:
All I have received or heard from this collector was when a default Judgment was filed on me. I had not receive the judgement summons nor any other contact with this group before hand. Just a copy of the order granting Judgement and default judgement, Certificate of Service, and Notice of Entry of Judgement

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 2016-03-21 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: LA

Complaint narrative:
I got some furniture from Conn 's in 2014. Last XX/XX/XXXX due to over whelming bills I discided to file bankruptcy. The last part of XXXX. I lost my job. So I could not finish the payment of it. My lawyer told me to stop payments to all my creditors in XXXX Conn 's started calling on the hour in XXXX. I tried to ignore them after telling them that I was unemployed and to stop calling me XXXX12 times a day. Today they have called 6 times. When I spoke to Conn 's conserning the amount of calls they said it was on a auto dialer I then told them to take me off the auto dialer because that was harassment they wake up my Mother and brother everyday. All day long. The phone is in my brothers name. Now I can understand XXXX or 3 calls a day but XXXX to XXXX is unreal. So please I beg you look in to this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Debt which is paid in full has been bought by a zombie debt collector and needs to be removed immediately.

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 2016-10-25 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Some body used my JC Penney Master Card without my authorization on XX/XX/2016- reference # XXXX, amount {$0.00} XX/XX/2016 - reference # XXXX ) ) XXXX, Amount {$6.00} I want to know who abused my credit card.

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 2016-11-17 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: FL

Complaint narrative:
I recently pulled my credit on XX/XX/2016 and found a debt with CMRE for {$180.00} I do not know what this is for and have sent XXXX letters XXXX which where certified asking for validation evidence bearing my signature showing I had any contractual obligation tide to such debt. I tried finding CMRE only to find that they are not licensed in the state of Florida to collect for any debts in this state. They failed to abide by FDCPA 807 ( 8 ) they had 30 days to contact the credit bureau and dispute they waited 60 days it was deleted than just added back on. They have now violated federal law by not properly investigating within the proper time frame and I have evidence of this via certified mail receipts. I am considering small claims court but I thought I would do this first since the debt will expire on XX/XX/2016 anyway. However should they not take immediate action and delete with the credit bureau. I will sue for XXXX for 1 ) defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting act. FCRA 623 ( a ) ( C ) {$1000.00} per occurrence This is effecting my credit negatively and has been humiliating and emmbarasing. The state will fine them as well. It would be foolish to ignore me I have kept excellent records with all communication for the purpose of filing with the FTC and XXXX office regarding all non-compliance of Federal laws. Thank you for your help.

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 2016-09-02 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: NJ

Complaint narrative:
Convergent Outsourcing, Inc. has contacted me regarding a debt from 2004 and stated that I may just have been unaware of it. I have had no notices of collection or any indication of it on my credit report and they can not give me any more information on it other than I should file a police report since I think it is fraud. Since the statute of limitations for debt collecting in the jurisdiction of New Jersey is 3 years I consider this fraud and with no documentation from them I do not believe that I should have to pay this.

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 2016-12-14 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:
Debt was covered by insurance but was not properly billed. When contacted by Optimum Outcomes I sent a registered letter to them the next day disputing the debt and that it was covered by insurance. The letter was ignored. I continued to receive daily robo calls for over 3 months ( Got one today! ), stating that they were trying to collect a debt. I checked in the XXXX XXXX XXXX ( The hiring party ) website and corrected the incorrect insurance information, it indicated that it would rebill the claim. NEVER happened. No response to the dispute letter! I checked with my insurance company who told me it was covered 100 % and had never been billed. They now have posted a disputed collection on my credit report! They could find my SS # but not my policy #!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I have sent telerecovery a certified letter stating that I would like to verify a debt that they are trying to collect. It has been well over 30 days and i have not gotten a response. Also upon checking whether they are licensed in my state i found that the license was in fact expired since 2011. They are continuously verifying that this is my debt through they are not validating it with my request.

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 2016-08-10 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:
On or around XXXX XXXX, XXXX, CMRE FINANCIAL SERVICES began reporting a debt on my XXXX Credit Report. CMRE never sent me a notice collection notice, nor was I sent a letter with the FCRA right to dispute advisory. I only realized CMRE was collecting on a debt when I checked my credit report. I immediately called CMRE to request for information to verify the debt. After reviewing the letter I confirmed that I had already paid another collection agency on XXXX XXXX, XXXX for the debt CMRE was attempting to collect. I tried to dispute the debt a few times with XXXX to no avail. 

I am resident of California and the original debt was dated XXXX XXXX, thus being over five years old at the time of CMRE attempted collection, and consequently one year beyond the state statute of limitations.

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 2016-09-23 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: FL

Complaint narrative:
this was a cable ( XXXX ) XXXX bill that was put in my name in 2010. Convergent re-aged the debt for {$140.00}. it appears on both XXXX and XXXX credit reports crippling my chances to move forward in life

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Ok I received XXXX calls from this company sunrise credit in one day and when I called to find out who it was and how many times they are allowed to call me the employee XXXX stated more than once so I asked to speak with a supervisor and multiple times he avoided the question and continued to tell me they did n't call me and placed me on hold multiple times telling because we are on the phone he ca n't see if they called and once more puts me on hold and comes back and tells me that they did call multiple times and I advise him that my rights are violated and to answer how many times they are allowed to call he states that he did n't know that answer I felt this was very unprofessional of the company for them to conduct they way they have and for a supervisor not to know his rules and guidelines I felt harassed

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 2015-04-10 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: TX

Complaint narrative:
THIS JUNK BE CRAY. I CANT STAND THAT THEY CALLING ME ALL THE TIME THE THE ACCOUNT AINT MINE. SO I SENT A CEASE AND DESIST THINKIN THAT WOULD HELP BUT IT DIDNT SOOS I SENT THEM ANOTHER. NOW THAT AINT WORKIN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
First off this hospital palm springs slandered by saying they accept my insurance XXXX. then they did fraud after they didnt charge my insurance and my insurance had to appeal and negotiate to accept. now they have been harrasing me for the past year with debts claiming to take legal action as they didnt even give me prescriptions and hurt me as a patient. as well the optimum outcomes inc keeps harrassing with services rendered in form of law suit collection

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent Outsourcing Inc Is contacting me by mail to collect a debt I do not owe as I am a victim of Identity theft. This is not my account.

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 2016-03-22 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
I withdrew from school- XXXX XXXX on XXXX/XXXX/14 because of numerous issues. I asked for a final bill and was told it would take 30 days to review my account. I waited the 30 days and was presented with a final bill of which I paid in full. I received an acknowledgment letter dated XXXX XXXX 2014 ; indicating that after their review and all financial aid returned that I had a XXXX balance. I have that letter in my possession. On XXXX XXXX XXXX- contacted me and said that they applied grants to my current schooling after I had already withdrew .... some 8 days later on XXXX/XXXX/14 they applied grants to my tuition despite me being withdrawn from the school. None the less per their letter to me they had reviewed my account per their policy and presented me with a final bill. 
I have spent the last two years telling them I do not owe the money that this was their mistake and that I followed all their procedures and did everything they asked me to do. Why if they reviewed my account and found that I owed no monies did they come back say I now owe them money. They have sent me to two collections agencies who after reviewing my documents concluded they can not collect the monies. Yet AIU-online then sends me to another collection agency and I find myself repeating the process to stop the collection process for monies I do not owe. This has become harassment and the XXXX refuses to acknowledge that this is their mistake and one I will not pay for. Also they keep changing the reasons why they claim I owe this money. Please help me with this ... .. this has gone to far and I am at a loss on what to do.

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 2016-09-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: CA

Complaint narrative:
Evergreen Pro Recovery sent information to XXXX and XXXX some how put someone else on my report {$100.00} can you please help me get this off my records???

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
Consumer complaint received 2016-08-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: NY

Complaint narrative:
I paid my bill in XXXX and CMRE FINANCIAL with address XXXX, CA XXXX with phone number XXXX recorded as delinquent until last week. This was affecting negatively my credit score for years.

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 2017-03-15 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: AL

Complaint narrative:
Reference complaint XXXX in which XXXX attempted to collect a debt from me. Convergent Outsourcing is now attempting to collect a debt with a similar balance and referencing the same paypal credit account # XXXX. XXXX continues send this information to collection agencies to attempt to collect this debt which I do not owe and have no knowledge regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE contacted my work to get a hold of me and asked me if this is Blank. At work I ' am called a lot so they tricked me. I said yes thinking it was company calling about some issues work related. Then they said this is a attempt to collect a debt. If I read correctly they can not contact you on your work phone. 2nd they have been garnishing me for a year now. They 've been taking money out for a year and the amount they are suppose to take too is up to XXXX dollars to pay of the debt bill. But it 's past XXXX dollars and I 've tried contacting them and every time I call they said they ca n't provide a statement or do n't have the information on file. Please I can use some help.

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 2016-12-21 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: Convergent Resources, Inc.
State: NJ

Complaint narrative:
XXXX XXXX is trying to illegally receive payments from me for monthly service that ceased on or about XXXX XXXX, on which date I was at least fully paid and may have been owed a refund. XXXX reps admitted XXXX XXXX I do NOT have the account or bill on which XXXX continues TO THIS DAY to try to collect a full fee monthly. I have audio recordings from my conversations with two different XXXX reps ordering cease-and-desist XXXX XXXX, after which XXXX sent two months ' worth of false " debt '' to a third-party debt collector, Convergent Outsourcing, which is threatening to ruin my outstanding credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Rodenburg LLP
State: ND

Complaint narrative:
Ran a credit report without my consent. I 've never given consent nor will I ever do so. Furthermore they did not notify me of this, which violates law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Firstsource Business Process Services, LLC
State: AL

Complaint narrative:
Got a call from a XXXX XXXX who said he is calling on behalf of One Advantage LLC for Account # XXXX. He said I have to take care of this business matter today or they will proceed to take further legal actions and will file a motion to garnishment against my check within the next 24 hours if the matter has not been resolved. The person that called me had a XXXX accent and was very rude. He said the amount was for XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I had my ID stolen in 2012. I had reported this to CMRE Finance and all the credit bureaus, they still have not taken this off my credit yet. What do I do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 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: UT

Complaint narrative:
Convergent Outsourcing, Inc. sent a demand letter to my client alleging that she owed {$970.00} to XXXX. She does not have, and has never had, an account with XXXX. The fraudulent demand offers to settle for 50 % if she pays within 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, IL XXXX ( XXXX ) XXXX On or about XXXX XXXX, I received a structured settlement of approximately {$500000.00} On or about XXXX XXXX, XXXX, I opened XXXX checking and a savings account at First Merit Bank. I opened the account at the First Merit branch location located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Initially I put {$140000.00} and withdrew {$55000.00} leaving a balance of {$90000.00} in Account # XXXX XXXX XXXX. See attached Statement dated XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
I continued to make various deposits until XXXX XXXX. I believe I put in {$70000.00} additionally over the course of the years. In total, {$160000.00} was stolen from my account and is unaccounted for. 
In XXXX XXXX, XXXX, the teller, indicated that someone had closed my account without my consent. XXXX XXXX, Assistant Manager, asked if he could invest my money. I said no. I witnessed another customer crying because someone had taken {$20000.00} out of his account. XXXX indicated that he would investigate. He told me the investigation would take 3 months. I never heard back from him. But XXXX, surname unknown, a teller, later reported to me that XXXX bought a house in Florida and left the same week that my money went missing. XXXX reported that I was not the only customer whose money went missing. 
Over the years I have been complaining to employees at First Merit Bank. In XXXX XXXX, I complained to a person who said her name was XXXX surname unknown who indicated she was the Vice President of First Merit. She indicated that she would investigate. In XXXX XXXX, I went to First Merit, XXXX XXXX, Senior Client Champion, indicated that no one investigated my concerns over the years. 
I would like my {$160000.00} returned, and these allegations investigated. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
American Credit Acceptance repossessed vehicle XXXX/XXXX/XXXX ; loan was current. Video recording of automated system. Demanded repo fees and late fees w/o 10 day discretionary notice ( informed them they were not entitled ). Made fraudulent entries in account payment history to reverse repo fees ( demanded monies be returned to me ). Recovery agent demanded add'l {$370.00} to release vehicle. XXXX XXXX XXXX XXXX XXXX packed purchase price of loan & added {$1500.00} cash down payment to purchase price of vehicle. Credit report indicates " pays as agreed '' ; another agency has a 60 day delinquent entry ( 2 months prior entry states payment on time ) next month reported 30 days delinquent. Simple Interest Loan ; several payments of {$280.00} applied {$20.00} to principal or {$0.00} to principal. As of XXXX XXXX total payments $ XXXX/Interest posted $ XXXX/Principal posted {$1100.00}.

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