vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-01 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: TN

Complaint narrative:
On XXXX XXXX 2016, i receive a phone call from the postal unit stating that the company ConvergentbOutsourcing was sending a bill in my name to approximately XXXX diffrent address that I have no affliation with. Dated on XXXX XXXX 2016, in the amount of XXXX, which i had no knowledge of, nor had time to dispute the transcation. I am asking for the company to send me validation of the debt, and i am also disputing the debt. So i decided to file a compliant. Which was sent to the previous address, where i did not live. I do not owe a bilk from comcast. The debt is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Optimum Outcomes, Inc.
State: TX

Complaint narrative:
I am aware of this bill. No time or opportunity to validate the debt. Damaging my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 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: Forest Recovery Services LLC
State: FL

Complaint narrative:
I have a water bill on my credit that I already paid and was send to a collection agency without my knowledge. I get calls night and day from collection agency with treated, judgement and repossession of my belonging. I am very XXXX with all this treated, I get XXXX kids at home and scare that someone will come to my house when I am at work and just take everything without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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:
The medical billing company, XXXX Medical Group, sent the bill to Medicare using the wrong social security number. The claim was rejected and it was immediately put into collections without any notice given. It seems to me that I should have been given the opportunity to clear up the bill before it was put into collections. On XXXX XXXX, we contacted XXXX and the correct SS # was clarified. The bill was re-sent to Medicare and the account was pulled from collections by XXXX that day. Even though the account is no longer in collections ( and in my opinion never should have been put into collections in the first place ), CMRE still continues to call and harass me. We 've told them multiple times to stop calling as this is a billing error that was already resolved. They still keep calling.

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 2015-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: VT

Complaint narrative:
Informed me that I have a collection account with them - First Source Advantage - but would not give me any other information when I asked what the debt was and who it was from. Intimidating behavior.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
This is a Fraudulent Debt Account, XXXX Account # XXXX, with XXXX Phone Numbers on XXXX Phone. This Fraudulent Debt Account, XXXX Account # XXXX, Is Eight Years Old. First Delinquent Date Is XXXX XXXX, XXXX Fraudulent Debt Account XXXX Account # XXXX, Has Been Deleted From XXXX, XXXX, XXXX, As Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Just looked at my XXXX report and found a XXXX DOLLAR DEBT from a place I NEVER recieved services from!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
Asking to speak to our deceased son. 

Refusing to identify the nature of the call. 

This is the second time they have called.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 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:
Service provider, XXXX XXXX XXXX XXXX is double billing for a procedure. Since the second bill is false as I did not have XXXX identical XXXX on the same day at the same time at the same facility by the same or different Doctor ( s ). The service provider, XXXX XXXX XXXX XXXX has submitted the second false/fraudulent procedure to my insurance provider, XXXX XXXX of California and consequently XXXX XXXX XXXX XXXX has submitted this false claim to a collection agency, CMRE Financial Services to collect for a procedure that never happened. I need the harassment and threats to damage my credit from CMRE Financial Services to stop, I need XXXX to understand the second claim was fraudulent and I need XXXX XXXX XXXX XXXX to stop double billing so this matter can be expunged from all data bases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Equidata, Inc.
State: MD

Complaint narrative:
I checked my credit report and notice that Equidata is reporting XXXX tradelines, I never received any notification from them to dispute the debt. I sent a letter to them in reference to them not sending me an early warning notice with a right to dispute and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
i made a settlement XX/XX/XXXX. Now XX/XX/XXXX I am being offered yet another settlement on an already paid debt. 

Its been 12 years and now im expected to have receipt on hand. I have GOOD credit. There is no negative on my credit report for many years. 

I have maintained a good credit rating for many years and do n't owe any monies to this collection agency or its affiliates. 

thank you for your time. 

with respect,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FCC Finance, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX took over XXXX several years ago and began mailing payments back to consumers, including myself. In the process, I did a short sale of the property and FCC Finance, LLC agreed to a payoff balance along with releasing the lien on the property. The title company facilitated the payoff balance with a wire transfer being sent to FCC Finance, LLC. FCC Finance, LLC continues to harass and demand payment for the loan that they agreed to settle with payment wired on XXXX/XXXX/2013. They have submitted a bad debt report to XXXX and are continuing their attempts to collect what is not owed to them. I have spoken previously to FCC Finance, LLC and they insist that I owe them. This company has pretended to be the district attorney 's office on one instance that they called. On another instance, they pretended to be XXXX and was given my personal cell phone number to further harass me. They have called my work and harassed me over the last 3 1/2 years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 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: TN

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I have been attempting to work with Optimum Outcomes who is collecting on my medical debt. They wo n't provide written communication without me repeatedly calling and they will not allow me to make reasonable monthly payments on the debt. I am given different options each time I place a call and none of them make sense or are reasonable. One persons said that they would let me pay half of the debt owed as a settlement but when I called back I was told that I could only get 10 % off. Then when I attempted to make a payment arrangement of {$50.00} per month I was told that they could n't accept that and they would continue to report me to the credit agencies. I also asked to settle the debt for {$500.00}. They claimed that they would contact the original lender to review this but they never followed up with me so I called back and they said no. I asked for documentation and they said that they do n't provide documentation. I keep getting the run around and I need resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Optimum Outcomes, Inc.
State: MO

Complaint narrative:
Optimum Outcomes is reporting to XXXX a collection in the amount of {$740.00} for XXXX XXXX with a delinquency date of XXXX XXXX. I was seen at XXXX XXXX in fall of XXXX but medical insurance paid the full amount since I had met my deductible. I have lived at my current address in XXXX since XXXX XXXX. I never received a XXXX day collection activity from Optimum Outcomes and it was reported to XXXX XXXX credit file without me being able to fully validate debt. Optimum Outcome is in direct violation of federal law by reporting inaccurate debt by re-aging the delinquency/open date to XXXX XXXX which is illegal. If this debt did occur it would have been in XXXX and the delinquency date would have started then, but since I tried disputing the debt, I am unsure if I owe this medical debt which also violates HIPPA Laws. I did dispute the debt but it remains on my credit file and has been being reported since XXXX XXXX. Since they have re-aged a debt or received misinformation from XXXX XXXX XXXX XXXX XXXX and reported inaccurate information they Optimum Outcome is in direct violation of federal law under the FCRA. If the collection item is not deleted I would like FCRA penalties and fines against the reporting company, Optimum Outcomes. I have lived in XXXX since XXXX XXXX and can prove this address was on my credit file then and proof of employment starting in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Physicians & Dentists Credit Bureau
State: WA

Complaint narrative:
The collector used harassing, abusive, mocking, threatening, dehumanizing language. He raised his voice, and treated me as sub-human. 

In the XXXX call ( XXXX/XXXX/15 ), I asked him to call back later as I was at work. he continued to harass me until I had to hang up, as I was at work. I did n't receive a call back until he called again and immediately notified me he had reported me to the credit bureau. I never had a chance to settle the debt before being reported. 

I also did not receive mail communication of the debt until after the XXXX call, when I had paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
A representative called stating that I have a {$1700.00} balance with them, when in fact that is not true. I have proof that I have been paying my bill on a monthly basis with an agency on behalf of XXXX. I frustrated because they have misleading information about me, and have access to my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-10 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: Credit Protection Association, L.P.
State: CA

Complaint narrative:
This debt reported by Credit Protection Association is not a valid debt. I submitted a letter to their company on XXXX XXXX, 2015 requesting that I be sent several specific documents that prove I owe this debt. Credit Protection Association did not respond to my request. I have attached a copy of the letter. 

In addition, this debt is over 7 years old and can no longer be reported to the credit bureaus according to the Fair Credit Reporting Law.

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 2016-10-05 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
These medical collections that the collections agencies keep hounding me about that are on my credit report have been illegally obtained. They are in violation of XXXX. They sent me back itemized bills of procedues, medications, etc. Straight from the medical facility. I sent certified letters to the collections agengies for validation of debt and the had nothing signed by me stating that it was ok to obtain all my private and person medical records that were specifically written on a bill..I will also send a XXXX Violation letter to these reporting collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 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: Credit Protection Association, L.P.
State: ME

Complaint narrative:
Credit Protection Association reported a collection on my credit report without ever giving me a right to dispute. 

When they finally mailed me a notice, it contained an account number that is not listed in the original creditor 's system.

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: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
Online Third Federal Savings & Loan qualified me to submit a pre-approved mortgage loan with my low credit score under XXXX. I completed to online application and was contacted by their loan officer on XX/XX/XXXX for me to submit via fax a benefit of income verification letter from social security XXXX. On the same day I received in the mail a Statement of Credit Denial, Termination, of Change letter because my credit does not meet Product Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Collection Connection
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I sent a certified letter to The Collection Connection to verify a debt they had on my credit profile. On XXXX/XXXX/2015 I received the following attached information from this collection stating this is the verification of this debt. As you will see that the signature on this returned check and the drivers license number on this check do not belong to me. If this check was written by someone other than myself should have checked the person drivers license name and picture against the actual name the check belong to the actual person whom name was on the check is not my fault. Also notice the signature on the check and on the document that I sent to this collection company is not even close or similar. On XXXX/XXXX/2015 I received a collection letter stating that they had put more negative information on other credit bureaus.

Company response to consumer: Closed
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
XXXX XXXX Mortgage bought our mortgage from it 's own subsidiary, BSI Financial Services, which was the original lender, in late XXXX or early XXXX. Since the " change '' of the mortgage ownership, we keep getting letters from XXXX XXXX Mortgage trying to a ) create an escrow account for our property insurance -- in early XXXX, and b ) telling us that they need information about our insurance to be updated. 
In the first instance, we contacted them and were told that it was clarified that we did not put the insurance in escrow since we pay it separately. They never sent us a confirmation-this was in XXXX. The number that I called was a collection number even though we have never been in default. 
In the next instance, I contacted their website at www.imcovered.com/commercehomemortgage, where they were trying to sell me an insurance policy. 
I am very concerned that XXXX is trying to force me to pay my insurance fees through them, or force me to buy insurance from them, with thinly veiled threats that I will be defaulting on my mortgage if I do n't comply. 
I have already spent over 10 hours trying to reach these people to ensure that my account is not jeopardized and my credit is not harmed. Everytime I call them I get a different person who then gives me a different phone number to call. 
I also find this link at XXXX where the list of allegations against BSI sound similar to my experiences with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Michael Andrews & Associates LLC
State: FL

Complaint narrative:
Received a call from XXXX which works for Michael Andrews & Associates LLC after talking to him and informing him that we have not received any information over the mail and that we were not aware of any collections, he wanted me to come to a payment arrangement immediately. After I told him I was not able to do it at the moment he told me that if we did not pay arrangements would be made to garnish my wages and that I will have to pay more than what he was offering me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwestern Health Management INC
State: NE

Complaint narrative:
I have an entry on my credit report from Northwest Financial Services in XXXX XXXX, Missouri that stems from a medical bill from XXXX XXXX that was reading an XXXX on my XXXX XX/XX/XXXX. The original bill was XXXX and now they have increased it to over XXXX. This bill is past the seven year mark and they have been made aware of this but they state that they can report this for ten years. This is violation of FCRA. I have wrote letters, made numerous phone calls and always I am told that it remains fro ten years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen is the worst mortgage company on the planet! Our loan was sold to them by Homeward some years ago! We had no control over that. How a mortgage company can manipulate account balances with extra charges and random fees is beyond criminal. Every statement must be examined. We have been dealing with Ocwen lying about making an insurance payment to our insurance company for 2 months now! They claim they made the payment in a batch of other checks. Check was not found. After repeatedly calling Ocwen back they claimed they would overnight the payment so that our insurance would not be cancelled. The overnighted payment was not received by our insurance company! This happened again and again. We had to make the insurance payment to avoid being cancelled. The payment addresses for our insurance company has not been changed. Ocwen claims this matter is in research and they will call us with a resolution.They put you on hold and say they are making notes and you will get a call. These people are XXXX based speaking bad English and they have no answers for you the customer. Why are they allowed to remain in business?

Company response to consumer: Closed with explanation