vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: USA DISCOUNTERS LTD
State: CA

Complaint narrative:
the following excerpt are from emails from the debt collector : Hello, Sir I think that was rude for you to hang up on me I was only trying to help you good luck. 
XXXX XXXX Account Representative USA Living XXXX XXXX XXXX | XXXX, VA XXXX I did not hang up on you I am in a federal building and I do not get service in my office. 
Respectfully, XXXX XXXX. XXXX, XXXX You are calling me while I am at work also I am on Pacific standard time as I live in California XXXX you understand we have not heard from you since 3 years ago XXXX XXXX Account Representative USA Living XXXX XXXX XXXX | XXXX, VA XXXX I will still have to contact dfas if this is n't paid. 
XXXX XXXX Account Representative if I do n't have the payment back on your account I will have to forward your account back to my legal department to start paper work please respond. 
XXXX XXXX Account Representative

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 2015-06-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC
State: MA

Complaint narrative:
XXXX hospital of XXXX XXXX has been sending us medical bills asking us to make payments on bills that have already been paid by the XXXX our health insurance company. They recently sent XXXX of our bills to a collection agency called Firstsource advantage. Firstsource advantage has been leaving automated messages on my wife 's work phone. They also sent us a letter in the mail trying to collect the money. My wife, out of panic made a FULL payment of those amounts resulting into a double payment to XXXX hospital. I am attaching below XXXX payments XXXX made to XXXX hospital including the EFT payment code and date. XXXX hospital is trying to collect the SAME bill from us. 

1. Claim DetailsLearn More About Your Claim Details and Paying Claims Online {$300.00} Total Amount billed by Health Care Professional : {$220.00} Your plan pays : {$0.00} Amount you can expect to pay out of pocket : Member : XXXX ( You ) Date ( s ) of Service : XXXX : XXXX : CompletedClaim SummaryClaim ID # : XXXX : CompletedPayment : Made on XXXX/XXXX/2015 to ProviderEFT Number:XXXXHealth Care Professional : XXXX XXXXYou PayYour Plan PaysAmount $ XXXX received by XXXX on XXXX/XXXX/2015 {$220.00} $ XXXX XXXX member rateSERVICES IN THIS CLAIM : Open XXXX, WITH XXXX $ XXXX paid ( excluded by plan ) $ XXXX paid toward meeting your deductible $ XXXX paid toward your remaining coinsurance $ XXXX copay amount {$0.00} Your total responsibility : {$0.00} Total amount you can expect to pay out of pocket : CLAIM XXXX DetailsLearn More About Your Claim Details and Paying Claims Online {$420.00} Total Amount billed by Health Care Professional : {$290.00} Your plan pays : {$0.00} Amount you can expect to pay out of pocket : Member : XXXX ( Daughter ) Date ( s ) of Service : XXXX : MedicalStatus : CompletedClaim SummaryClaim ID # : XXXX : CompletedPayment : Made on XXXX/XXXX/2015 to ProviderEFT XXXX Care Professional : XXXX XXXX PayYour Plan PaysAmount $ XXXX received by XXXX XXXX XXXX/XXXX/2015 {$290.00} $ XXXX XXXX member rateSERVICES IN THIS CLAIM : Open AllMEDICAL SERVICES $ XXXXNot paid ( excluded by plan ) $ XXXX paid toward meeting your deductible $ XXXX paid toward your remaining coinsurance $ XXXX copay amount {$0.00} Your total responsibility : {$0.00} Total amount you can expect to pay out of pocket : THIS IS A SCARE TACTIC BEING USED TO COLLECT MONEY ON BILLS WHICH WE DO NOT EVEN OWE.. NOT ONLY ARE WE CALLED BUT WE ALSO HAVE TO LIVE IN THE FEAR OF BEING REPORTED TO CREDIT AGENCY AND OUR CREDIT HISTORY WRONGLY MANIPULATED. THIS IS UNETHICAL AND IMMORAL. XXXX and XXXX 's hospital IS RESPONSIBLE FOR IT BUT SO IS FIRSTSOURCE ADVANTAGE llc. WE WOULD LIKE OUR MONEY BACK. PLEASE CONTACT US VIA PHONE OR EMAIL FOR FURTHER QUESTIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 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: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Today I received a credit alert stating a new collection account was added to my XXXX credit report. First of all I never received a debt verification letter from this company. Only from my credit monitoring I find out that this is for a cell phone that were returned and that these charges are fraudulent. 
This company never sent me anything regarding this fraudulent account. They are required BY LAW to send me a letter allowing me to dispute this and request verification. THIS WAS NEVER RECEIVED. this company does not abide by the FDCPA.

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 2017-01-10 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: GA

Complaint narrative:
No knowledge of said debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
We submitted a payment on XXXX XXXX, 2016 for {$300.00} and on XXXX XXXX, 2016 for another {$20.00} to Capital One for our credit card payment. We found out a few days later that the bank supposedly rejected our payment. We called our bank, because it looked like the money came out on our side. They said they submitted the payment and that it went through on our side. So they had us call Capital One and have them research it. They researched it and never found the payment. We were at a loss at what to do, because we were out {$320.00} total, and did n't want to have to pay again until our money was found. They never found it, so we conferenced in our bank with a credit card specialist with Capital One. They confirmed the payment was submitted and had cleared our bank. Then they said they would fix the account and it would be in good standing again with 24-48 business hours. After that time had passed, the account was still not fixed. We accrued interest and late fees, along with a credit report of being late. We called them again. They said they were still working on it, to give it a few more days. After a couple of weeks of this, we called and asked to speak to someone else. They called our bank as well with us conferenced in and confirmed the payment was submitted and had cleared our account. They said they were very sorry and would work on the issue and fix our account. By now the credit card account was closed and had accrued even more fees and interest charges. They assured us it would be fixed. We filed a complaint internally with Capital One and they said we could expect a call back after an investigation into the matter. The day after XXXX, 2016, they called us at XXXX stating how sorry they were and that the issue would be fixed immediately. They never fixed it. So we called again, on Tuesday, XXXX XXXX, 2016 and they said there were no notes on the account stating that the payment had gone through. They said we were lying, in essence. They ended up conceding and saying they would investigate it again. We have been waiting almost 2 months for this now and we have now had XXXX reports of the credit card being late and closed with a large balance of {$700.00}. If they had applied our payments that cleared our bank and was confirmed by our bank that it cleared, then the balance would be down to around {$280.00}. They also offered us a {$75.00} courtesy credit for our trouble and that was never applied either. Now they are claiming they never said or did any of this!!! We have spent hours and hours on the phone with them, fighting them on this. We do n't know what else to do. Our bank has confirmed twice now, with their representatives, that this payment has gone through and they have promised us that this would be fixed. It is ruining our credit and is causing a lot of issues. We need this dealt with immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I have previously sent ChexSystems 3 requests all via certified USPS registered mail to the mark on my file from XXXX XXXX XXXX, under the Fair Credit Reporting Act and Fair And Accurate Reporting Practices Act and all I received was copies of bank statement of the alleged account that they say belongs to me. Their letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification. 

I contacted XXXX XXXX XXXX and they do not have any proof that this account belongs to me. 

How can ChexSystems verify this information without proper documentation. Bank Statements do not serve as proper method of validation according to the FTC. ( 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ) ChexSystems has yet to correspond with me via mail and is in violation of several State and Federal laws. 

I have tried opening a bank account today and was denied because of XXXX XXXX XXXX showing up on my ChexSystem File. Accordingly, I can show a judge that these accounts meet the guideline for the removal/inaccurate and that you violated the Fair and Accurate Credit Transactions Act and several other rules and regulations, state and federal by ignoring my requests to investigate the items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I have been getting a lot of calls on my fax phone which I usually do n't answer. I answered and it was Convergent Outsourcing, Inc., a collection agency. They were calling about a XXXX XXXX Bank account. I do n't recall having an account with this company. I am now receiving mail requesting payment in full. I have checked my credit records and if I did have any business with this bank it has come and gone and has surely passed the time limit for being reported to any credit bureaus. I became a total and permanent XXXX veteran quite a few years ago, XXXX hit and I was living on the streets for awhile waiting for my XXXX compensation to start. That took about 13 years. Since then I have worked very hard on cleaning up my credit and at this I only have XXXX derogatory mark which is a paid charge off. I am still working on getting that removed since I have paid it. In all those years there was nothing about this bank. I checked online and found a lot of bad reports about all companies involved XXXX 

What I want to know is do I have to worry about something like this showing up in my credit reports and are there any actions I can take to prevent this.

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 is not mine
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I recently served notice to the company to validate a questionable account they had reported on my credit report. The company not only failed to provide me with the proof I had requested but also verified the account with the 3 credit bureaus and persevered with reporting it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
They repeatedly call and harass me when I have expressed a desire to work with them but I need a reasonable amount of time to make reasonable payments. They are coy, refuse to identify themselves, and are generally threatening and harassing. I am willing to work with someone reasonable but they are acting like thugs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
Keeps calling my ex husband phone, tell them to stop contacting my husband, stop harassing me, do not contact me if I owe something send me a letter do not call me or my family.

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 2016-06-14 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:
Collection agency is claiming I owe {$9.00} to XXXX XXXX XXXX. I never received a bill from this company. I have paid all of my medical bills and have no knowledge of any outstanding debt. This is a fraudulent claim.

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 2016-07-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
Convergent Outsourcing , Inc is misrepresenting itself to claim to be authorized to collect on a non existent debt to commit fraud. Their only purpose is to steal money for their on gain. They are well known for fraudulent behavior. The document sent connects them with XXXX. These frauds work together and steal XXXX from consumers yearly. It 's too easy for them. What can be done to prevent a ripoff? 

















llc

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 2016-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I never receive notice on this debt, I believe XXXX place this collection on my credit report because they were upset I cancelled the membership to their monthly credit monitoring services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
This complaint is regarding CMRE Financial Services : Collections Acct. # XXXX for the amount of {$270.00} and Acct. # XXXX for the amount of {$370.00}. And any other collection they have placed on my credit report. 
The collection agency fraudulently put the above collections on to my credit report. I have disputed the charges. [ See exhibit XXXX ] My dispute ... Their response ; sent to me from CMRE. They have been unable to send me any bill from the institution that they say they represent. I have always maintained medical insurance. My insurance has always paid over the amount that the service was worth. If these charges are for medical services, they are 1. Fraudulent, 2. For services I did not receive, 3. Services that I did not agree to or want but I was charged anyway. There is so much fraud in the Insurance /Medical/Collection agency field ... It does so much damage to people, and their credit. 
The fraudulent billing practices of the medical institutions, and the people who work at these institutions along with the collection agencies they hire, give them the ability to extort money from the public by having all your private information which facilitates the creation of bills that go to their collection agencies like CMRE which then ruin your credit. The fraudulent actions of CMRE, are keeping me and a lot of other people from refinancing. 
See Exhibit B, Mortgage Company wants to pay CMRE, before I can refinance to a lower rate. The Mortgage Company explains it by repeating ; 'it 's the XXXX Selling guide '' that is to blame and they have to follow those guidelines. They are insisting that these accounts be paid. This demand is based on hearsay information for charges that CMRE put on my credit report. They are fraudulent, further it represents insurance fraud by the person who created this collection account, who has partnered with CMRE to get extra money from people for a service that has already been paid for by insurance or for services not rendered. These charges have not been adjudicated by going through the court, to produce a lean. 
It is unbelievable that this Company CMRE can nickel and dime Americans, they have such easy access to our Credit reports and can hold us hostage with no proof of a debt. CMRE can keep the American people from refinancing, or just do this type of damage on a fraudulent whim. It is exactly like racketeering. I want these collections removed from my credit report and the Mortgage Company notified that this issue has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TN

Complaint narrative:
cmre financial has a debt on my credit report. it has been taken care of by insurance. we have sent them several letters to show it was taken care of and they will still not remove it. it was taken care of XXXX/XXXX/2016

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 2015-11-24 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Main Street Personal Finance
State: MI

Complaint narrative:
I have advised them in writing and verbally to only contact me in writing. They are continually calling my place of employment using different numbers each time. For example XXXX and XXXX. In addition they are continuing to contact my contacts listed although I have advised also for them to stop calling them and harassing them. My address is the same and I will respond to anything that is sent to me in writing however I do not want to be contacted by phone. When I was contacted and asked to verbally stop, they insisted that I owe them money and that is why they will continue to call. I have back to back calls to my place of work, my cell phone, my husbands phone etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Convergent Resources, Inc.
State: WI

Complaint narrative:
I sold and item on XXXX a while back. The item worked as it should and had accessories with it. The purchaser stated that they wanted a refund and they where instructed buy XXXX to send the item back to me. When I got it all my accessories were missing. I spent hours on the phone with XXXX trying to resolve this and explaining my side and had proof. Then they passed the situation on to XXXX, now XXXX is trying to collect the debt payed to the buyer from me. I will have to find the documentation I have, but I was wronged, and XXXX would n't stand by me. They told me it was the cost of doing business. Now XXXX is trying to shake me down for money, and offered to settle for half of the principle paid in the beginning. This is fraud, a crime and unethical. I do n't want letters from bill collection agencies and or XXXX bothering me anymore. This will end up in court if it does not stop and if it lands on my credit report there will be a lawsuit. The weight of the item sent out to the buyer of my item on XXXX was a certain weight and coming back it was considerably less as my accessories where stolen for my device I sold. That was my proof to them and they did not care. I had spent years trying to get the XXXX score I had and never had issues like this and they still did n't give me the benefit of the doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I received a pre-paid Visa Debit card as the result of a promotion by XXXX for a set of XXXX appliances i bought from XXXX. XXXX. The card value was {$300.00}. The card was issued in XXXX of 2015. This was an XXXX promotion, not a XXXX XXXX promotion. I set the card aside in anticipation of using the funds for a project in the near future. I did n't realize the that the actual physical card had an expiration date ( the expiration was XXXX, so the card was only good for 6 months ). When I tried to use the card, I was told that it had expired. It is my understanding that these kind of cards are to be honored up to 5 years for the date of issuance. I have tried very patiently to get XXXX, XXXX, the XXXX XXXX, XXXX, and XXXX to honor the card. They have all gave me the run around, or have passed me on to someone else, someone else who ultimately could not help me. Can you please help me with this matter? Do I have any recourse? Is their denial to honor the funds legitimate?

Company response to consumer: Closed with explanation