vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
It is now XXXX/XXXX/2016. As stated before, we were left no option but to do a died in lieu with BSI. We have lost our home of 18 years even after being able to provide proof of sufficient income to make payments if the loan were to have been modified. We did everything we could to save our home. BSI has been the most unprofessional company we have ever worked with. Im asking you to please review all records, phone calls and proof of income. I have kept and printed off all emails. The number of staff and representatives we went through in this horrible process. We ended up in contact with the CEO of BSI. With all of this being said, we have turned over all contact via email and mail and phone calls to our attorney. We are going forward with a law suit as this loan has been so mishandled and ended up in my family being homeless. This has also been reported to the housing authority, HUD, and XXXX. Its a shame that this company remains in business. Please take the time to review, research and investigate how loans are being handled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
NorthWest Financial Services or XXXX XXXX now has my debt from XXXX XXXX XXXX. I am unaware if those debts have been charged to my insurance. Along with that I was making payments to XXXX at the time they turned me into NorthWest ... I have asked for a payoff amount ( discounted ) Northwest is unwilling to work with me and has threatened to charge me very large amounts of interest until I pay it off. I am willing to pay but not being threatened to be charged tons of interest when I barely have the money to pay it off in the first place. Thank you XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
BSI keeps responding skating around direct answers and still this to date not answering XXXX direct question. I am also now going to FTC.

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 2016-05-24 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
Hello, I had an unauthurized charge on my prepaid gift card. HAve been going through the process with the company however they refuse to respond to my dispute or any phone calls anymore. They promised it would be reviewed within XXXX days and it has been XXXXmonths! 

The company is Intellispend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: WA

Complaint narrative:
the company which is trying to collect a debt on already deleted file from my credit score, they are debt buyers and purchased a false debt which has been resolved in the past and since they saw my credit scores go up as i have worked so hard to get it they posted an already settled, deleted file as portraying to be different lender or different loan on the same issue from 7 years ago. so far they have only posted on XXXX and i have disputed that yesterday but now my scores went down significantly and it is hurting me due to their illegal report and deceptive practice. 
the claim is already false as i was an employee of the represented company and lived in the company provided accommodation and some equipment was in counted for which was retrieved by them from another employee and i was cleared of the issue. however that company went into different owner ship and the subject was triggered gain with this false claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Finance Company, Inc.
State: NV

Complaint narrative:
Have no idea what this debt is and was never notified of any debt or collections..my credit was at XXXX XXXX weeks ago. Please help if possible

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: NY

Complaint narrative:
A Notice of Error was sent to BSI Financial on XXXX/XXXX/2016 requesting proof of foreclosure loss mitigation notices and the notice for the final date for loss mitigation. A request for a loss mitigation review for the Making Home Affordable Program was sent to on XX/XX/2016. They still have a scheduled sale date for XXXX/XXXX/2016 without responding to the request for information or the loss mitigation review.

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 2017-03-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
On XX/XX/2017 see the attached letter was sent to this company with a check stating that endorsement of this check constitutes payment in full and deletion of account immediately. Check cleared my account on XX/XX/2017. ( see attached document ). I am requesting this be removed immediately from my credit profile or legal action will be taken. Please ref to # XXXX CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: MN

Complaint narrative:
I had an account with XXXX and did a Change of Financial Responsibility and the company is attempting to collect a debt. 
They have sent me to a 3rd party debt collector after receipt of my request for verification and validation. 
A debt is a financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 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: Convergent Resources, Inc.
State: WA

Complaint narrative:
From XX/XX/XXXX-XX/XX/XXXX I managed a shared house community. Upon my move out/vacating in XX/XX/XXXX the landlord and the folks who took over did not handle the accounting correctly. I had an account with XXXX XXXX XXXX in my name while residing there. It was not taken out of my name for years. I have received a bill from a collection company for XXXX. This bill should be presented to the owner of the property XXXX XXXX ( of XXXX, XXXX, WA ). It is incorrect to bill me for an account that should have been in her name or a tenant name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 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: OK

Complaint narrative:
A company from another state has made bearing of false witness stating I have a medical bill of {$230.00} that they have falsely put onto MY CREDIT REPORT. Collection agencies that are being SUED FOR False representation WILL SERVE PRISON TIME. I DO NOT HAVE TO PUT UP WITH NOT ONE FALSE CLAIM. The robo calls and phone cramming started XX/XX/XXXX. There were also XXXX text and XXXX photograph XXXX sent to my phone. I sent a REPORT TO THE CREDIT BUREAU 'S on came back and claimed they checked on that bogus white collar crime debt saying it was updated - WRONG. That illegal debt collection SCAM IS FRAUD. Then it was stated that the debt was from XX/XX/XXXX - NOW FROM An ILLEGAL debt collection agency, NO that was not a verification as it was not verified where it came from AND THAT ILLEGAL debt collection agency HAS ALREADY BEEN REPORTED AS FRAUD. AN ILLEGAL update only ILLEGALLY put an ILLEGAL longer time on MY CREDIT REPORT - THAT IS FRAUD NOT A VERIFICATION. Calls have come from a XXXX XXXX XXXX number that started out saying they were a reputable school and could assist ME with any kind of degree I wanted. After I said NO, they kept on calling. I noticed that after awhile, my phone stopped working as well. Calls were not going through or dropped during conversations, I was not getting the full time of 30 days for phone access. My data was not working or saying I used too much data, I DO NOT USE MY PHONE THAT WAY. Then the same phone numbers of ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX - Called WITH A FAKE robo voice AND would NOT respond. Then later started Harassing saying I owed a debt. THIS IS connected to FRAUD from companies that have already ILLEGALLY taken My car and have threatened FRAUD on a house debt - ALL TOTALLY ILLEGAL AND WHITE COLLAR, or BLUE COLLAR CRIME. I KNOW MY INALIENABLE RIGHTS!!!!!!!! THAT STATEMENT IS IN GOD WE TRUST not no man of his selfish ways bearing false witness. CMRE Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Currently I have an account with Bank of America. To be very Honest ; I love bank of america and I have been customer with them since XXXX. Up until recently I have never had any issues with bank of America. Until recently in XXXX when I cam across some financial difficulties which caused my account to go negative end up with higher then normal overdraft fee 's. Which I have no problem with paying ; because the over draft fee 's are to no one 's fault but my own. Hiowever now my account is overdrawn in the amount of XXXX well actually XXXX after the XXXX dollar transactions fee falls off. Of that XXXX XXXX are returned item fees and XXXX of that is overdraft fees. with a total of XXXX dollars and I think I am problem missing a XXXX of fees here. All in all I believe that my balance is XXXX. However when I contacted bank of America they state there is nothing they can do ; I think that is insane. Seriously the returned item fee 's I understand ; and I am fighting comed as we speak about submitting a payment XXXX. However the overdraft fees really. I think that is a bit much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-31 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
Majority that appears on my credit report are from hospitals, doctors, and XXXX fees. I did n't want to go but was forced by the ambulance paramedics and the police due to my illness. I know I could n't afford to go by ambulance nor can I afford to go to the hospital due to no insurance and I did not have a job as well ... ... .. 
The other XXXX collections are phone related ( XXXX & XXXX ). I kept telling the phone company that I do not owe them anything cause my wallet was stolen or miss placed. My identity was stolen as well

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I 've received repeated calls from a company that my caller ID says is " XXXX XXXX. '' I answered and was told it was " Convergent Outsourcing. '' The person on the line said they were calling about my business with XXXX and asked me to confirm my address or the last XXXX digits of my social security number. I refused, saying I would not until they told me why they were calling. She refused, said they sent a letter ( I never received one ), and said she would send another one. I said ok and hung up. 

They never disclosed whether or not they were seeking a debt ( though Convergent Outsourcing is a collector ). Furthermore, I owe no debt to XXXX. I concluded my business with them some time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 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: SC

Complaint narrative:
I was alerted on XX/XX/XXXX that Convergent Outsourcing is reporting a debt from XX/XX/2017 according to their reporting for a {$420.00} debt to XXXX. I do not owe any debt and demand that this be taken off my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX Energy companies ( XXXX, XXXX, and XXXX ) started calling me XX/XX/2016 to collect a utility bill of {$330.00} owed by a person with my name. Each company ask for my Social Security number to verify the account. I told them I did not have an account with their company and will not give my SS number. I thought it was a scam. XX/XX/XXXX I received a letter from Convergent Outsourcing , Inc. trying to collect the debt. I called and talked to XXXX XXXX and told her it was not my debt. XXXX XXXX sent me a form to fill out asking for all my personal information. I called and the guy on the phone admitted my phone number and address was looked up online. Either energy company or debt collection agency found my address and phone number with the same name as a person who did not pay his energy bill and decided to harass me until I pay a bill I do not owe. I told them to take my name, address, and phone number off the account because I do n't owe this money. Since the man could not get me to give out my information his supervisor got on the phone and tried to pressure me into to giving my information before it destroyed by credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 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: Harvard Collections, LLC
State: TX

Complaint narrative:
HC began reporting on my cr in XXXX. I sent several letters via fax to validate, which they ignored ( illegal under Texas statue, a collection company must validate within 30 days in Texas ), until I filled a complaint with XXXX. They also continued to report to the cr even after receiving my dispute, which is not in compliance with the FCRA. Finally XXXX was able to get documentation for me. What HC provide is a joke! I requested a contract showing where I agreed to XXXX services ( which I NEVER HAVE ) .Until this day, I have not received it. The bill they sent me has my name misspelled and an address that I 've never lived at. It does n't have an apt # on it. I feel like HC is attempting to force me to sign a fraud affidavit in which I have to pay to have notarized! I am not wasting my money on the incompetence of this company! I have never had any account with XXXX! I will file a complaint with AG XXXX XXXX and the CFPB if they do n't provide what is requested!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 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:
In 2014 I had a car accident in which I ended up in the hospital and incurred medical bills that were wrongly sent to the collection agency because the bills were not sent to my insurance company on time. Upon finding this out I contacted my insurance company and they paid the bills in full. I then contacted the collections agency stating that the bills had been paid in full and they should remove the collections accounts from my credit reports because it was negatively hurting me. They are very hard to contact and the representative is very rude and hangs up on me every time I try and resolve the issue.

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: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SecurityNational Mortgage Company
State: AZ

Complaint narrative:
The loan officer XXXX XXXX with SECURITY NATIONAL MORTGAGE gave a pre-qualification for {$230.00} to buyers making a little bit over XXXX p/year. Once under contract and within 2 weeks to close escrow she gave a denial letter saying that the buyers did n't get approved because they do n't get paid by the hour as they told her but they get paid by piece. She had the XXXX and paycheck stubs from the buyers since the day they applied for the loan and it 's very clear that they are getting paid by piece. She lied to the sellers agent by saying that the buyers lied to her and when she realized that the buyers were going to lose their earnest money for being dishonest she back out of her story saying that it was their supervisor who miss-informed them and that they did n't know that they get paid only by piece. However it is very clear in their pay check stubs and XXXX how they get paid.and how much. If she were to look at those documents for one minute she would realize that they do not qualify for a {$1500.00} monthly payment when between the XXXX of them have made {$21000.00} this year and it is evident ( on the paycheck stubs and XXXX ) that they get paid by piece not hourly. Her negligence cause the seller to lose XXXX other offers that were submitted for the house and has created a big hardship as she needed to sell her house right away to comply with other obligations. Because of her negligence the buyers lost money having an inspection done on a house that they were not going to be able to buy as in reality they do n't qualify for a hose in this price range. She gave a pre-qualification an issued XXXX XXXX saying that the buyers were approved for this loan when the reality is that they were never going to be able to purchase the house they were under contract.

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 2016-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: EMBRACE HOME LOANS
State: KY

Complaint narrative:
I applied for a loan with Embrace Home Loans. I paid for an appraisal during the loan process. After several months without hearing from anyone I received a turn down notice. I attempted to call Embrace but the person I had been working with never returned any of my calls. I applied with another company and was approved but they need to have an appraisal done as well. I was advised I could transfer the previous loan but Embrace would have to participate in making that transfer. Unfortunately after numerous calls they will not even return my calls so I may get access to an appraisal I paid for. Transferring the appraisal simply required an email on their behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-06 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: NC

Complaint narrative:
someone got services in my name from my id being stolen and opened this account its not mine i filed a police report and filed id theft report in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I informed them that the debt was not mine. They stopped contacting me and instead filed a lawsuit. When I emailed to settle to be done with it, they told me to call, but did n't give me a phone number. When I responded saying they did not provide a real phone number, they responded telling me to call them again. 

Finally, I was able to find the number they never gave me online. I called to talk about the debt and XXXX XXXX told me they had filed to garnish my wages and did n't even know how much I owed. When I tried to talk to her manager about it, XXXX flat out hung up on me because I was n't " being very nice. " After two years of refusing to answer any communication from me, now they refuse to even let me pay a debt I never owed. Meanwhile, they have been reporting this account TWICE to the credit bureaus this whole time even though they told me they were not and would not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation