vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-19 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: PA

Complaint narrative:
XXXX attempted to collect for a 2 year contract after 3.5 years of service, said contract expired 1.5 years prior ; and was month to month with them.I had warranty coverage & XXXX told me to call them about my lost phone.Warranty co. stated : XXXX warranties are only for 2 years on any phone, but they collected thru my Billing Statement at $ XXXX every month for 3.5 yrs., even after warranty on phone had long ago expired.They then billed me for violating a contract at a supposed pro rated amount of XXXX. Next month and when called the # on back of bill ; new charges showed up on bill, but different amounts when I called them. I am severely XXXX, XXXX condition and XXXX told me : It does not matter. The only way you can resolve this is : Go to your nearest store, which is 2.5 miles from my house. Every time I called XXXX about the issue, I continued to get differing amounts and they could not explain the amounts. They refused to try to fix it and sent it to collections, and the phone agents could never explain the charges ; and stories differed each time you called ; but I do not owe them a penny. They collected on an expired warranty and they sent it to a few collection agencies, and they continue to harass me on my cell phone, which I use 1 day a week if need to go out anywhere ; store or Doctor appt. I never have received a billing statement from the XXXX different collection agencies that have called, which I know that after calling me in XXXX they must send a copy of a Bill in dispute within 5 days. T Mobile has been sued and involved in Class action Lawsuits over the same issues and lost both times ; but they must still be making much more than a Class action Lawsuit cost them, for I know they took a big hit in XXXX XXXX XXXX. I am trying to get them with others in another Class action suit and take it to XXXX, XXXX, to file it in my State for XXXX will cost them the most, and hit them harder than any other State in the US. This should have been stipulated in the prior Suits ; but they continue to cARRY ON Business and Fraud in the same manner as prior to the Lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
I was contacted by a representative from my current lender. The representative offered a XXXX point reduction in APR refinance loan for a {$10.00} administrative fee. The representative advised that because I had refinanced less than a year ago, the home assessment would not be needed. After a month, I was contacted by the representative and advised that I would need to obtain a new home value assessment. Once the assessment was complete, the home inspection documents that were sent separately to me and confirmed that the value had not changed. I was later contacted by the lender who advised that I did not qualify for the no cost refinance because my home value had dropped by XXXX. The terms then jumped to over XXXX for the same refinance. After showing proof that my home value had not changed, the loan rep advised that loan depot had made an error and there was nothing he could do. After multiple communications, the rep stated that he did not understand what had happened however, I would qualify for XXXX options that would both cost over XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 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: VA

Complaint narrative:
XXXX Inc, XXXX, WA XXXX. This company sent me a bill to collect the money which was I did n't own, that debt is from XXXX which was I 've never used that services all my life. Please help. I 'm afraid if I do n't do anything they will kept on sending me a bill plus fee which was not belong to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 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: CA

Complaint narrative:
I was XXXX overseas in XXXX and I made a purchase on XXXX for some documents for my XXXX. I called and told XXXX that I did not receive the document. I also did not have access to the document.They said it was sent. I had previous document purchases with success. This time it failed and customer service said it was not them. XXXX still tried to charge my bank account. I stopped the transaction and filled out a report with my bank. My bank did not pay. 
A year later, I am in a new country, and I get a letter from Convergent Outsouring, Inc. I wrote them what happen and I got no reponse by them. In my letter I wrote I desputed the allegations with XXXX. I received no letter from XXXX, so I assumed the problem was resolved. 
Another year ( XX/XX/2017 ) later I get another letter from Convergent asking for settlement for XXXX XXXX Bank on the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I continue to get automated calls to my work cell phone non-stop from CMRE. I have asked several times for CRME to stop calling my work cell phone and send all inquiries by mail, they refuse to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 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:
IN VIOLATION OF TCPA ( SEE ATTACHED LIST ) CALLED ALL NUMBERS WORK, CELL, HOME AND OTHERS INVIOLATION OF TCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 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: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
XXXX refused to honor my dispute. They continue to false bill me for services that I never had. I had conversations with the agents regarding a XXXX account. I tried to educate the collector that the account was never XXXX. I was told " If you paid your bill you would n't be in collections. '' Agent refused to accept a dispute over the phone. I was told the dispute was to be placed in writing only. After speaking with XXXX my equipment was received om XXXX/XXXX/2015. I should not be in collections. Instead of listening the agency became abusive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Recently, I found a collection debit record from Designed Receivable Solution Inc ( XXXX, orignal creditor : XXXX ) on my credit report. I never went there to see a doctor, they must make a mistake. In fact, I know a guy whose name is similar to mine visited there to see a doctor and he also lived at the same place with me. I believe that they had made a mistake. 
So, I require to remove this collection debt from my credit history. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 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: Diversified Consultants, Inc.
State: MD

Complaint narrative:
-On XX/XX/XXXX a bill was sent to me from XXXX in regards to a debt owed to XXXX in the amount of {$840.00} which should have included the amount owed for a phone and the last phone bill. 
-On XX/XX/XXXX a bill was sent to me from Receivables XXXX XXXX, XXXX XXXX regards to that same debt, but stating that I owed {$1600.00}. 
-On XX/XX/XXXX I sent a fax to the Escalations Dept. at XXXX XXXX XXXX, XXXX requesting validation and explanation of the increase from the original debt amount. I mentioned that I 'd spoken with a representative from XXXX who told me that additional charges were added to the account in XXXX and XX/XX/XXXX. At that time my account was closed and I had entered a contract with a new cellular phone carrier in XX/XX/XXXX. 
-On XX/XX/XXXX, Receivables XXXX XXXX, XXXX XXXX me a T-Mobile statement as validation of debt, but did not explain why the additional charges were added to an account that should have been closed in XXXX. 
-On XX/XX/XXXX, I sent a letter to Receivables XXXX XXXX, XXXX in response to the statement inquiring about the charges that were very confusing to me. 
-On XX/XX/XXXX I received a statement from Diversified Consultants, Inc. regarding the said amount due to XXXX. 
-On XX/XX/XXXX sent a letter to Diversified Consultants , Inc. inquiring about the explanation of the debt owed to XXXX. 
-On XX/XX/XXXX I drafted a subsequent letter to send Diversified Consultants , Inc. regarding their lack of response and explanation of the debt owed to XXXX. I am not comfortable paying for charges that I 'm not sure are accurate. 

Thanks so much for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 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: TX

Complaint narrative:
Diversified Consultants is reporting a fraudulent account. I'ver never done any business with the debt originator XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE
State: KY

Complaint narrative:
My wife and I bought our first house but the Loan was sold to the Money Source Inc. After being with them for a Year we Refinanced with them because we received a call from XXXX saying they can lower our Mortgage Payment. Which was great. Get to save some money. Or at least we thought. Well not really. We follow through with the XXXX and all of a sudden we never heard back from XXXX. A bit disrespectful towards us considering we had Multiple Questions regarding the Refinancing. Well then we had the fortune to speak with XXXX who followed the rest of the Refinancing with us. We asks numerous Questions regarding the Escrow, Taxes and she reasured us that she double checked everything and because of my XXXX Exception it lowered everything. Alright great well until we finished the Refinancing Loan. We get a Call from our Home Owner 's Insurance Company saying they have n't received payment and our policy is about to lapse. That was taken care of. Later we began inquiring about our Escrow Funds in for the Previous Loan and never been told about it or asked they applied the Entire Balance to the Refinancing Loan. Then until XX/XX/XXXX we receive the tax document Saying we need to pay {$2700.00} to MONEY Source because they under estimated taxes and escrow. If we do n't pay it our mortgage will be over {$1700.00} a XXXX. But if we do are Mortgage Payment is going from {$1300.00} to over {$1500.00} a month. Which we do n't have. Clearly there was n't any reason for us to Refinance except for Money Source to XXXX over a XXXX and Family out of their Money. Even though it 's something we asked them Multiple times about but clearly someone is n't doing their job Correctly or They do it for Profit.

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 monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX 2016 I received a text alert from USAA bank stating that my checking account had been compromised. The agent informed me that it would take 24-48 hours to do a fraud investigation and I would n't have access to my accounts. When I called XXXX XXXX 2016 the person I spoke with asked me for an authentication code that I did not have because no one ever gave me one and then asked for my phone number once I gave her my number she said that the number I gave was not the number on record. I explained to her that someone had compromised my account and must have changed the number also. She told me there was nothing else she could do she was locked out of my account when I asked to speak to someone in the fraud dept she told me should could not transfer me because she could not authenticate me. I have been experiencing pretty much the same attitude for the last 6 days when I call to find out what 's going on with my accounts. XXXX XXXX 2016 will be a week I do n't know how my account was compromised or to what extent. And USAA does not seem to be in any hurry to fix the situation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
FYI, On XXXX XXXX, XXXX XXXX XXXX called his XXXX account to check the balance. He discovered that his account balance was {$12000.00} in the negative. He contacted his father to see if he had any knowledge of why his account would be negative. 

On this same date, XXXX XXXX XXXX went to a local XXXX Bank, XXXX XXXX, Texas branch to discuss the account. At this time, it was revealed to him by the local branch that there were XXXX online transfers from his XXXX to his USAA Federal Savings Bank. 

XXXX XXXX XXXX advised the bank that he never authorized the transfers. On this same date, he was advised that there was a USAA local branch in XXXX XXXX, Texas that he could visit to discuss the transactions. 

On this same date, it was revealed to XXXX XXXX XXXX that his accounts was fraudulently taken over. Additionally, he was notified that someone somehow gained access to his account, requested a debit card, changed all security notifications to a number. 

Last information on the account is that all of the charges are over {$25000.00}. 

USAA Fraud Department XXXX x XXXX ; Case # XXXX USAA has informed us that the violator requested a debit card from USAA and that the debit card first XXXX digits are : XXXX the last XXXX digits are : XXXX The debit card was sent to : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX violator 's Cellphone # XXXX USAA has since informed XXXX XXXX XXXX that they have made a business decision to terminate his membership and has determined that all funds owed are his responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
About 2 years ago I received a notice from XXXX stating that I was past due on my cell phone bill for about {$680.00}. I contacted them and we went over every inch of my bill and they agreed that I did not owe the payment. Later on I received a bill from a collection agency stating that I owed XXXX the amount listed above. I contacted XXXX again and they said they would take care of it. About 2 months ago I have been receiving phone calls and statements from the same collection agency about the same charges. I do not owe this money and I have NEVER missed a payment. I am tired of all of the collection calls and notices. I want XXXX to fix this and guarantee not harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I refinanced my home mortgage in XXXX 2016 with USAA Federal Savings Bank. {$1400.00} was deducted from my checking acct and a cashier 's check was mailed by my bank XXXX to USAA Bank for receipt by XXXX XXXX, 2016 for my first payment. I followed up with a call to USAA Bank on XXXX XXXX, 2016 and spoke with XXXX in customer service. XXXX stated that they did n't receive the funds that it was n't in their system. XXXX said to call back in five to seven business days. I called again XXXX XXXX, 2016 and spoke with XXXX in customer service. XXXX stated that they never received the payment and that I needed to make a payment before XXXX XXXX, 2016 or late charges would be applied to my mortgage account. XXXX instructed me to get a notarized letter from my bank stating that the transaction occurred and a bank summary of my account transaction for XXXX XXXX, 2016 showing that the the amount was sent to USAA Bank and fax the documents to USAA Bank 's research dept which I did that same day. I again called USAA Bank on XXXX XXXX, 2016 and spoke with XXXX in customer service. XXXX checked with their research department and said that the payment was n't there. I 've also checked with my credit union XXXX XXXX branch many times. XXXX XXXX a supervisor has done an in dpth analysis of my checking account and showed me that in fact USAA Bank did receive the funds on XXXX!, 2016. Until this is straightened out, I 'm out {$1400.00} because of someone 's lack of concern and incompetence. I 'm a XXXX XXXX XXXX vet on XXXX. This is a whole lot of money being taken from me that I really need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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: MI

Complaint narrative:
I was contacted by Diversified Consultants dbs DCI on XXXX/XXXX/2016 regarding a XXXX Bill. I spoke to a woman by by the name of XXXX who told me that I was able to set up a payment agreement. I did not want this reported on my credit report so therefore I inquired about a settlement agreement. She told me that I was able to make XXXX payments of app XXXX and the debt would not be reported on my credit. On XXXX/XXXX/2016 I received an alert that information had been added, so once I go check, I see not only did they do an inquiry on my credit without my permission but they added the same debt 4 times on my report causing my score to significantly drop. I immediately called the company back and after multiple calls and emails they call me back on XXXX. i spoke to XXXX and informed her on what was going on and she tells me that I had a certain time frame to pay the bill. I said well why was that not told to me before making the settlement because had I known, I would have taken care of the debt prior to then. She places me on hold and her supervisor, XXXX, comes to the lines and tells me that it will remain and that an update will be made. I informed him that these are unfair practices and this is not what was explained to me when I set up the agreement. The stance of the company is that they are not removing it and will continue to collect on the debt, which is unfair to consumers who are making efforts to pay their bills. I was never made aware of any time frame and it was never stated that the debt would be reported. As I look as review about this company, XXXX other people have had the same complaint with this shady business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I sent a western union ebill ( WU Pay ) for the amount of {$260.00} to Western Union which was withdrawn from my account on XXXX/XXXX/15. The should have been available in 1- 3 days. After 3 days, I did n't receive a email confirmation of the funds being available in my western union account. I called XXXX XXXX, XXXX XXXX and XXXX XXXX and was told my funds were not available because my bank did not release the funds. Each day I called I was told they were escalating my issue to the WU department and will be notified in 24 hours ( I never was notified ) .On XXXX XXXX, a representative of my credit union on I conference called Western Union. My credit union representative spoke with a Western Union representative and confirmed the funds were released on XXXX/XXXX/15. The Western Union representative stated he will escalate the issue. However, i have not received a refund of my money. I 'm concerned that Western Union is using this " lost funds '' tactic to keep funds that are somehow lost in cyberspace. How many people has this happened to?

Company response to consumer: Closed with explanation