vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I received Private student loans from Sallie Mae while attending college. Paying the loan back became nearly impossible, due to unforeseen issues, exploding interest rates, and other financial burdens. 
After several months/years of late payments and exhausted forbearances, I entered into a settlement agreement with Sallie Mae. The terms of the loan were intense repayment, but would relinquish the debt for a lesser amount. I agreed and fulfilled by end of the agreement, even though extremely difficult on me financially. 
Upon completing my end of the agreement, Sallie Mae had become XXXX. XXXX completely disregarded my settlement offer ( which I provided them proof of ), as well as, the fulfillment of the terms stated within the agreement ( also provided proof of payment ). XXXX continues to report these loans negatively on my credit, as well as, my fathers ( who was a co-signer ). The settlement offer includes him in the agreement. These years of negative credit reporting have costs me XXXX of dollars in unnecessary high interest rates on loans I 've been able to get for a mortgage, car, credit, etc. I have been repeatedly declined for credit due to these negative reportings, as has my father. 
I fulfilled my end of the agreement, only to be tormented, harassed, and penalized by this company. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XXXX I discovered my Barclay Credit Card was past due and I had been charged a late fee. I contacted the company and asked if they would waive the late fee and I would set up auto pay so this would not happen again. As a courtesy they waived the late fee and I set up auto pay for the minimum payment due on the due date of the XXXX of each month. This month, XXXX, I scheduled a payment for {$50.00}, then remembered that I already had the auto pay set up so I cancelled the {$50.00} payment. Today I checked to confirm that the minimum payment of {$27.00} had been made only to discover that not only was it not paid, but I was again charged a late fee. I checked my payment settings and confirmed that the auto pay was in place. I called the company to find out what the problem was and was told that when I cancelled the additional {$50.00} payment that also cancelled the auto pay and they refused to refund the late fee. This is an unfair practice. The scheduled payment should not have anything to do with the auto pay. They are set up in different areas of the website. I need your help and can provide documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-27 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:
I paid a bill for an XXXX and now the collection agency is telling me that a 'MISSED ' payment was applied to " another account '' so I still owe them money. This is incorrect. They have either stolen a payment or misappropriated a payment. I set up over the phone a series of payments that paid off the entire balance in full. They cashed the first, third, fourth, etc.. payment and are saying that I did n't pay one of the payments. My bank statement documents the deduction to their account but they do n't want to acknowledge 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 2016-06-21 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: FL

Complaint narrative:
CMRE Financial Services Inc Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXXXXXXXXXX http : //www.cmrefsi.com Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CMRE Financial Services Incor any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE Financial Services Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

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 2016-09-24 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:
I was XXXX from XX/XX/XXXX until XX/XX/XXXX there was an account opened up with XXXX in my name that I did not authorize nor agree to. I have tried to explain several times to the collection agency that this is not my debt but they refuse to remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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 collection company works with XXXX XXXX XXXX, I have 2 issues : 1. They are trying to collect on a debt I have been making payments on for over a year now. 
2. They are not providing proof of amount owed, I have requested multiple times for an audit of my account to reflect my payments and insurance payments. 
3. CRME nor XXXX XXXX returns calls or acknowledges receipt of letters faxed.

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 2015-07-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I saw on my credit report there were medical bills that was reported. I never was aware that I owe bills for my medical debts. some of them belong to another insurance company to pay. But before they can pay for them they had put them on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CMRE Financial Services, Inc.
State: MO

Complaint narrative:
I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX XXXX XXXX XXXX, and they appear to have sold it to CMRE Financial Services, there are XXXX accounts XXXX that was opened on XX/XX/2016 and the other XX/XX/2016 therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had deposited a check into my Wells Fargo business account on XXXX/XXXX/16 from a check from a XXXX account. Wells Fargo had placed a 5 day hold on that check pending verification. On the next day, XXXX/XXXX/16, the check had cleared the XXXX account and was no longer there. Funds had been transferred to Wells Fargo. But they still did n't release the hold. I had fought with them for a week, in the process having my account go into a overdraft situation therefor incurring fees while the account was technically not negative. I repeatedly called the customer service number and nobody could explain where my money was, just that it would be available on XXXX XXXX ... .well over a week away. I had told them I have verification the check cleared, why do n't they. And again no answer. 

I know they have done this numerous customer via website chat rooms about Wells Fargo. It looks like they are using are money to play with to cover the fines they accrued in this latest round of corporate misdoings. This is not fair and they should be fined for 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 monetary relief
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
This company Convergent is trying to extort monies from me! 
1 ) this account was paid off XXXX 2 ) i have a current large line with XXXX perfect rating 3 ) this account is 10 years old and paid off,. 
4 ) this is extortion

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 2015-09-17 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: OR

Complaint narrative:
I closed my account XXXX. They contacted me in a letter saying that I owed more than what I thought I owed due to a machine that they said that they sent me that I never received when I attempted to close the account and pay the money that I 'm supposed to pay I was told that I can not pay that off at this time until they figure out what happened to the machine. They also told me that not to worry about it being in collections because we 're not going to allow it to happen, two days later it was at collections and I was being told that I owed not only the money that they XXXX said, but another {$200.00} added from the collection agency. I called XXXX six or seven times trying to get this fixed and get it back to them and they promised me that they were going to take care of it which they never did meanwhile the new collection agency hounded me for 3 to 4 weeks calling me almost 5 to 6 times a day I again explained to them that the mistake of XXXX and they really did n't care to hear about it all they wanted me to do is pay off their collection fee and the longer it takes more money i will owe them. I again told XXXX that I 'm not going to pay {$900.00} when I only owe them XXXX bucks I did not hear anything back from anyone until I read that this now on my credit report. I have no problem paying the amount of money I owe to XXXX I never attempted to not pay my bill they 're the ones that stop me please do whatever you can to take care of this thank you

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

Complaint narrative:
Someone else used my information to open an account. I 've never lived outside Oklahoma and this was an account from Missouri. I 've talked to them before and am told I have to file a police report. I work and have a family I do n't have time to hassle with a false account from years in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have been going back and forth for a few years with this collection agency who has been unable to validate the cause for said charges being collected on behalf of XXXX. I have disputed the collection with the credit bureaus more than XXXX with them being deleted due to no verification. I have made it very clear that the charges are not a valid amount and based on the current FTC cramming case, there is obvious proof that the collection balance is invalid. I have been validated as a customer involved in excessive cramming charged being added to my bill on multiple XXXX accounts. At this point, I would like COI to figure this XXXX out with their client.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I did not receive a notice that I even owed this debt. I do n't even know if it is mine

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 2015-07-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Roadlloans.com did a hard credit inquiry on my credit report, I did not give them permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Convergent Resources, Inc.
State: DC

Complaint narrative:
On XXXX XXXX, 2016, at XXXX XXXX ET, I contacted Convergent Outsourcing, Inc. at XXXX to request a settlement for a debt. I spoke to XXXX XXXX ( ext XXXX ). He asked if I was authorizing to contact me on my cellphone in the future and I told him no. I contacted Convergent Outsourcing, Inc. again on XXXX XXXX, 2016 at XXXX XXXX ET and dialed XXXX 's direct extension to confirm a settlement letter would be sent to me. Again, I decline to give them permission to contact me on my cellphone. 

On XXXX XXXX, 2016 at XXXX ET, I received a phone call from XXXX. I do not answer toll free numbers and let it go to voicemail. No voice mail was left. I did however research the number on the internet and found that this number belongs to Convergent Outsourcing also reported as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
KEEPS CALLING MY WORK, CELL AND FAMILY MEMBERS AND SKIP TRACING AND ILLEGAL BACKGROUND CHECKS. THEY HAVE VIOLATED TCPA, FCRA, FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
I received a notice to pay {$1000.00}. 
It is a scam I do not have a bill with XXXX XXXX XXXX. The account was closed after 10 years. 
THE original account # : XXXXreditor : XXXX XXXX XXXX, XXXX. 
Convergent Account : XXXXOriginal Creditor : Household Orchard BankDear CFPB : The credit card I once had with XXXX XXXX was closed after 10 years. The account was in 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Firstsource Business Process Services, LLC
State: IN

Complaint narrative:
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 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: Convergent Resources, Inc.
State: MD

Complaint narrative:
About 6 months ago a collection agency began contacting me about XXXX and stated I owed XXXX over XXXX dollars. I advised that I did not owe XXXX that amount of money. In XXXX they placed a collection on my credit report. I contacted Convergent and advised that they were reporting a debt that is incorrect. They advised that I owed for XXXX lines of service. I advised that even if I owed for XXXX lines of service its no way I could possibly owe {$2300.00}. I requested that they send me an itemized bill of my charges. They said that they would contact XXXX and send me the correct amount. I still have not received this information and they can not provide me with an accurate bill. Also, this account is over 3years old and they have just placed it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: HW Holding, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX I was made aware of a collections that was placed in my name. The debt stated that it was from XX/XX/2016. The amount was for {$3500.00}. At no time was I sent any information on this and I have no knowledge to what this may even be. It does not show up on any report but XXXX. 

After disputing online ( once it hit my account ), XXXX simply stated that it was verified. I still have not even any information on why the amount is due, how the amount was calculated, who the original debtor is and who owns it now. 

It now has changed from a collection to a " charge off '' to which I have no idea why. I would like the debt removed from my report. I would also like to know what legal actions I can take against the debtor.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC
State: VA

Complaint narrative:
First Source Advantage called from XXXX asking for me by my maiden name, which i have not used since 1990. All they would say is the call was being recorded and would provide no additional information. I did not provide them with any info, but it has to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I received a robo call from this company on XX/XX/2017 @ XXXX. It left a voice mail on my phone, stating that if there was a moment of silence I 'd identified myself, for which I did n't because I did n't answer my phone. I get telemarketing calls all day & refuse to answer my phone anymore unless I know who 's calling me. I 'm grateful they did leave a message though. That 's how I got the minimal info that I retrieved. I tried calling this number back before I knew they 'd left a message. It never connected & always disconnected. I never spoke to a rep nor do I have any idea what XXXX XXXX is saying I owe them. I checked my past medical bills & do n't find anything for them. Not really sure who this is & do n't know why CMRE would be calling me to surprise me or try to argue with or threaten me with collection on a bill I am not aware of. I do n't think that 's good business practice. They should 've sent me a letter first. I do n't answer any numbers I do n't recognize especially if they 're XXXX numbers.

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 2017-03-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: LA

Complaint narrative:
Optimum Outcomes is continually reporting that I owe debt to them. I have requested more information about the service and dates to verify I owe the debt and they are unable to verify the information. Currently there are XXXX items they are reporting and could possibly be related.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
For several years I have received notices from Convergent Outsourcing Inc . According to the notices the debt is for XXXX. Although I admittedly owed XXXX nearly 14 years ago that debt has been paid. Not only was the debt paid immediately but I was also subjected to a state operated " bad check '' program which required me to pay for a course for unknowingly spending beyond my limit. In total I have paid more than {$250.00} for a less than {$50.00} overdraft when I was XXXX and I am still being harassed. I have explained this information to Convergent in the past but they continue to harass me. I have done research and apparently this company uses tactics to scam unknowing consumers out of money. It 's disgusting that our personal information has somehow fallen into the hands of this fraudulent company.

Company response to consumer: Closed with explanation