vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XXXX, I went to XXXX XXXX XXXX Hospital because I suffered from XXXX. Upon checking in, they informed me the machine they have that tests that was broken. So I immediately checked out and went to a different ER. 

I received a bill from XXXX XXXX XXXX Hospital on XXXX for {$100.00}, since that was my emergency room co-pay with XXXX after what they contributed, which I promptly paid. That was the end of that. 

At least, until the morning of XXXX/XXXX/15 when I received a call from CMRE Financial Services stating I owed {$130.00}. This was complete news to me as for over 2 1/2 years I heard nothing more about this. 

They informed me that XXXX XXXX XXXX XXXX XXXX sold them my case back on XXXX/XXXX/13. That they 've sent notices to XXXX of my addresses and interest had been accumulating on it. 

Instantly a red flag was raised because both addresses they told me were obviously wrong. XXXX XXXX XXXX Hospital always had my right address and that 's where the doctors would pull it from. So why would they have been provided XXXX incorrect addresses? 

And why would I be charged interest on an illegitimate charge I was never notified of? This is literally illegal. 

The charges were broken down to me as follows : {$300.00} - total charge for exam {$100.00} - night fee charge {$400.00} - total {$290.00} - XXXX paid {$100.00} - my balance {$25.00} - by % 10 of interest {$130.00} - total I oweRed flag number 2 goes up. If my emergency room co-pay is only {$100.00}, why did XXXX charge me more? Also, why did n't XXXX send me an itemized statement of what they contributed like they did for all my other treatments? 

Red flag number 3 : the tests that CMRE said were performed on me never were as the machine was broken and there 's a record of that. 

Red flag number 4 : The hospital always had my phone number, why did CMRE never attempt to call me in 2 1/2 years time? 

Red flag number 5, CMRE had no address or phone number listed for this billing agency. And when I called XXXX XXXX XXXX Hospital, they said they 're not based out of there and there was no way to reach them ( except by a lead on a phone number that does n't seem to be working ). 

Turns out it 's a scam and CMRE was complicit in insurance fraud and bilking me on interest charges on a charge that never existed nor was I notified of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 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: Results Unlimited, Inc.
State: VA

Complaint narrative:
The issue I have with the judgement from XXXX Apartment complex in XXXX VA, is that my brother and I were wrongfullly evicted back XX/XX/XXXX. We had 3 days to find a new place, due to the wrongfull eviction. My brother and I was never notified or served with court documents. In XX/XX/XXXX, my bank account was frozen due to a Lien from this company. I call the number and talk with a collection rep, that advised me of this lien. I was then told I had to fax over a statement about this debt and also sign a release form so they could set up a payment plan. The representative informed that the funds would be available to me after I signed the release and payment plan. The company took my whole check of XXXX dollars, that put me in very bad financial crisis. After they assured me they would n't take the whole amount. Then I receive another judgement just recently that has put a lien on my banking account, stating that they won a judgement in XX/XX/XXXX against me. From my understanding of my rights, and looking at my credit report this item was charge off years ago. So what this company has done is Resubmitted an old debt that has either been paid or charged off. This has put my family in a bad financial crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: NV

Complaint narrative:
XX/XX/2014 I had an accident, I went to the XXXX Hospital in XXXX NV for treatment, after several months they were sending me bills, I contacted the hospital to send the bills to my medical insurance, they never sent anything to my insurance. I called my insurance and I told them I had that issue, they make several calls to the Hospital trying to get documents to pay that bill, but never got answers. Finally the Hospital sent my bill to an Agency Collection, the same way my insurance contac them to pay that bill never got answers, I have phone calls mesages from my insurance telling me unfortunately the collection Agency never provided the information my insurance request.My Insurance was XXXX ID XXXX phone XXXX, you can contact them if you need more information about my case.

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 2015-04-14 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
Evergreen professional recovery has repeatedly called my place of employment in an attempt to get ahold of me after I explicitly told them not to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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:
This company received an insurance payment, so they are trying to bill me on an amount of money they have to write-off. This is a contract that the facility I was seen at has with my health insurance provider. I contacted my provider and they confirmed that a payment was made not one, but twice. This is fraud!

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 2016-08-23 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: Designed Receivable Solutions, Inc.
State: MS

Complaint narrative:
I have XXXX accounts reporting on my credit reports from this company. I have contacted them by mail on XXXX separate occasions to ask that this debt be validated with proof of my signature to be included. The company has never responded, and continued to verify the debt with the credit bureaus and continue to update monthly as if this is an ongoing debt. It has recently been reported as a charge off, which indicates that they are knowingly reporting misinformation. The debt is also past the statute of limitations for the state of MS and they never indicated that the accounts were under dispute on my credit report. This is a violation that is illegal and can be considered pursuing a debt after the statute of limitations has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
They say that I had a contract with XXXX which I had taken care of my obligation. I keep telling them to send me a signed contract which there is none. I cancelled my service after over 12 years of service. They call me everday and several times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC.
State: MI

Complaint narrative:
On beginning of XXXX, I submitted a complaint to the CFPB ( case # XXXX ) about the no-consulted rise of the mortgage ( Acct # XXXX ) of my house by MB Financial Bank. On XXXX XXXX, we got an answer explaining what the Bank did with the automatic payments I was making. In the answer, the Bank states that wants to work with me to bring current the mortgage account. When I noticed the Bank had answered to my complaint, it was about XXXX XXXX. After reading and reading the letter to understand the numbers, on Monday XXXX, MB Financial put the house in foreclosure status. I called a MB Financial Toll Free number and the operator told me that since the house in Foreclosure, I have to deal with the foreclosure department ( law firm handling the case ). My point here is that it is unfair that when we were that close to fix the problem with the mortgage, now I have to pay the lawyer 's fee. I want the Bank to consider and withdraw those fees from the amount I have to pay. By the way, I have never been reluctant to pay my mortgage. I have been and am willing to pay my mortgage. 

The second point here is that I have never received or signed a formal letter telling me that the mortgage was increased. 

The Third point is that the house has insurance before MB financial Bank bought XXXX XXXX Bank. The information was in the XXXX XXXX Bank records. I do n't understand why the Bank is insuring the house again and charging it to the escrow. I want MB financial to remove that insurance from the escrow since the house was already had insurance. 

The last point I want to mention is about the money that was deposited into the mortgage account that was refunded but never cashed. In the answer letter of the XXXX complaint, it is mentioned that on the following dates was performed a refund by check : Date Amount XX/XX/XXXX2016 {$590.00} XX/XX/XXXX2016 {$1300.00} XX/XX/XXXX2016 {$1300.00} XX/XX/XXXX2016 {$1300.00} Total {$4600.00} I appreciate if MB Financial Bank can add this amount ( {$4600.00} ) to the mortgage account since those checks have never been cashed. In other words, I do n't have that money. That money is in the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
A fraudulent charge was made on my XXXX Credit Card on XXXX XXXX, 2016. On XXXX XXXX, 2016, I called USAA Customer Service and was told my card would be cancelled in order to prevent additional fraudulent charges from being made and that my account would be credited for the charge. I have never received the credit despite numerous calls to USAA Customer Service. Each time I call, I 'm transferred to different departments, but none of them see to be able to resolve the issue. They seem to be making absolutely no effort to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
They only called during my working hours. Never left a voice mail message for me. 
They also never sent a letter to my home asking me to pay the debt owed. 
They admitted, on a recorded phone call, that they do n't leave voice mail messages and they do n't send letters. I found out about it through my XXXX account and I paid it immediately. It was {$180.00}. Had I known sooner it would have been taken care of then. They received my account in their office XX/XX/XXXX. I paid it XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
Debt was charged off and i received a XXXX from USAA Savings bank for a 2nd Mortgage {$67000.00}. I received the Mortgage relief from XXXX XXXX XXXX but not from the 2nd mortagage company USAA ( all they did was convert it from the 2nd mortgage to a home improvement 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 2016-03-30 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
The payoff process used by USAA breaks the XXXX XXXX credit card XX/XX/XXXX. I made payments to the credit card for XXXX from XXXX time frame and all payments were applied to a balance transfer rate of 1.9 % instead of the 18.15 % interest rate. Anything over the minimum payment is to be applied to the highest interest rate on the account. Furthermore, I went back to previous statements dating back years and discovered USAA charged full monthly interest on purchases even if the purchase balance existed for a 5 days ( for example ). Over a period of years, both of these equate to large quantities of interest being wrongfully charged to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
Company is re-aging this debt on my credit report. This account was closed 6 years ago and they are saying the account was past due as of XX/XX/XXXX. 

They are also showing it was open on my credit report in XXXX this account has been closed since XXXX. I want this account removed, The balance is incorrect and the credit agency is violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
I obtained a loan to purchase household item. The company is named American First Finance. For the first payment I was supposed to pay it on XXXX/XXXX/2016 but I did not have the funds so I got into a chat session with someone in the company and they were supposed to change my due date. On XXXX/XXXX/2016 at XXXX I received a text message from my bank stating I was {$300.00} in the red. I contacted the company and they said that they would arrange the due date to show the XXXX of every month. They told me that they would not provide me a refund for the {$150.00} that my bank charged me for all the insufficient funds charges but they would adjust my account accordingly. In XXXX they again took the whole payment without reflecting the credit they were supposed to apply to my account. My bank provided me that credit and only paid the company balance between {$210.00} and {$150.00}. To this date they are still charging me the whole payment for the month of XXXX. I let them know that I will not pay another nickle until they fix my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-28 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
In received an offer to settle for 70 % of my XXXX debt throughout a XXXX party collection firm and I made the payment as offered but after few moths a different agency came back to me for the remaining portion of 30 % of the debt and now this debt is shown in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA knowingly uses a criminal enterprise to steal vehicles, cash inside the vehicles and personal identifiable information. 

USAA promised me I was being considered for a loan modification and promised me as long as the loan was in the process that nothing would happen. I find out later they lied and my vehicles were stolen off my property. 

USAA rep told me once a decision was made on the loan modification that I would have 5 days to bring the loan current if it were over 60 days. They lied and pulled a bait and switch.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PROVIDENT FUNDING ASSOCIATES
State: FL

Complaint narrative:
applied for a mortgage XX/XX/XXXX through a mortgage broker through Provident lending. Got a loan commitment letter several weeks ago, but now 2 days from closing, still ca n't get a closing disclosure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
XXXX broke their " contract '' with me. They would not give me a copy of their contract. I made an audio recording of our agreement and when I played it back, it did not agree with their recent comments. 
They would not send me a copy of the " contract ''. Their installer came to my home and installed a new modem. Under the " in place '' agreement, till the end of agreement, I was under free modem, till the contract ran out. They broke contract. Also, their installer stole one of my personal units. Value+ {$160.00}. XXXX did NOT want to hear any of my complaints, only wanted money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
Lender keeps contacting me Harrassing me to pay them back in full when I clearly stated I am currently not employed and I could try to make small XXXX dollar payments until I start working. They said if i didnt pay in full or in XXXX payments of {$88.00} dollars they were going to take me to court. I tried to set a payment plan and they keep harrasing me calling me to threat me to pay them or I will go to court.

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 2016-07-14 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: DC

Complaint narrative:
We have received repeated calls from Diversified Consultants attempting to collect debt on behalf of XXXX XXXX XXXX. We have never been a customer of XXXX XXXX XXXX ( they do not provide service in the XXXX area ) and I have confirmed with XXXX XXXX XXXX that we have never had an account. The callers attempt to obtain personal information from my family even though I have explained to them that we have no business relationship with either Diversified Consultants or XXXX XXXX XXXX. After searching Diversified Consultants name online, it appears that this harassing behavior is common practice for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I made a deposit to my account with USAA on XXXX/XXXX/15 and received a confirmation stating it was received and PROCESSED on XX/XX/2015, however when XXXX items were presented that night they were returned. I have attached the PDF I made of my confirmation for evidence. When I called and spoke with a representative he claimed the deposit did not post until XXXX/XXXX/15 and as a result they returned both items. How can they justify returning my items after they misleading me to thinking my deposit was effective on XXXX/XXXX/15. They claim they have a cut off time and I made my transfer after this time, but this not posted on there website, nor did my transfer confirmation show an effective dateof XXXX/XXXX/15. More importantly the funds reflected in my available balance immediately after the transfer. This is extremely deceptive and only allows USAA to charge fees to clients unfairly and create financial havoc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: OK

Complaint narrative:
I have received many calls for several months now for a debt that does not belong to me. I have informed this company on ALL occasions, that I do n't know that person and that I have had my cell phone number for over 10 years. Since XXXX XXXX 2016 I have received 7 calls alone. 3 of those calls were hang ups, 3 were answered with me telling them again to stop calling because I do not know the person they are trying to reach. And I received another call again today. I filed a complaint on their website and now I 'm reaching out to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
An auto-dialer operated by or on behalf of Capital One Bank calls my home XXXX to XXXX times a day looking to speak to my mother, XXXX XXXX. She no longer is reachable at this number and I called Cap One XXXX to ask that they stop the calls to XXXX. Both times I asked to speak to a member of their Compliance Department and both times the request was denied. All I get is their standard " talk off '' along the lines of " it could take XXXX hours for your number to get removed from our auto dialer ''. The calls keep coming and this bank is stalking and harassing me. For the CFPB 's reference, please note that the callback number that their robocaller " XXXX '' asks for a return call at is XXXX. This is the number I called XXXX to ask that they calls stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Myself and one of my family remembers has received calls from DCI. I called in for a cease & desist, the representative I spoke to decided to threaten me and state the following " We will continue to look for her and find her. '' That was said to me even after I said to stop all calls from being made to that account.

Company response to consumer: Closed with explanation