vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-17 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:
Convergent Outsourcing sent me a letter stating I owe for a XXXX account without any dates or information that helps identify the debt. I has a so-called Original Account number on it, but when I called XXXX they had no idea what the account number Convergent provided goes with. I have not been getting any letters from XXXX nor have I had an account with them for about seven years. I had some issues with them at one point but I paid that account off in full and any outstanding checks from it as well. This is not a valid debt and I believe Convergent is in the habit of " farming '' old debt records in the hopes of fooling people and getting money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 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: ME

Complaint narrative:
Caller repeated left robo messages on my mother 's answering machine. The record message identifies itself as XXXX XXXX and states that they are trying to collect a debt from an individual we do not know. No company name, phone number, or other identifying information is provided. I happened to be at home for lunch during XXXX of the calls and answered the phone, then waited for an operator. The operator XXXX stated that the company name was Convergent. I believe the full name of the company is, " Convergent Outsourcing Inc. '' There are likely many other victims who can not complain as the company does not provide any identifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 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: FL

Complaint narrative:
A bill for XXXX was sent to me as a debt collection notice from XXXX, out of NJ. I requested proof of the debt upon request for payment. I never received debt validation or a response. I recently receive a another notice about 2 years later from convergent outsourcing INC from XXXX WA trying to collect the debt from the debt collector XXXX I have request debt validation once again via certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 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: Convergent Resources, Inc.
State: WA

Complaint narrative:
I called Convergent Outsourcing INC ( XXXX Wa XXXX ) about XXXX different potential negatives showing up on my XXXX report. The dates were XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. When I called I was transferred to 4 different people asking for help because nobody could pull up the information for me. The last one was ridiculously rude. All she would tell me was to call XXXX. I asked for a XXXX phone number and some sort of reference number. She said " I ca n't do anything for you CALL XXXX! '' then hung up. I had called XXXX last year when we refinanced our house and this was suppose to be taken care of and was not. XXXX apologized at the time for somebody else in their system that was clearly not me using my SS #. Now I have credit agencies that are allowed to ding my credit with NO PROOF I did anything wrong and NO PROOF they even tried to contact me to resolve it. How is this our credit rating system?? Companies can just go around reporting negatives against me with no proof, and it costs me hours of time to fix and they have no accountability to give me info to resolve it? Seriously??? Somebody needs to follow up on this Convergent Outsourcing Inc . They are terrible. The other company I found reporting potential negatives on my report was XXXX ( XXXX, FLXXXX XXXX ). They put information on my credit report XXXX/XXXX/XXXX. I called them and they would give me absolutely no information. Asked me for my SS # and name and phone number and said they would remove the info. So again somebody is free to just post information on my SS #? Nobody contacted me what so ever about this unpaid bill that is now lingering on my report. This is beyond ridiculous. I have a credit score in the XXXX and pay all my bills on time. There is no recourse for me to get back all the time I have wasted defending my credit, but these companies are free to post whatever with no proof of me doing anything wrong. We need this fixed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Up to twelve phone calls a day after being advised to stop calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 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: NC

Complaint narrative:
I was not sent anything before they sent to collection and the man tried to say I was not going to pay the bill and I told him I never said that .I was waiting for the final bill .he told me the final bill was XXXX but XXXX was turned into collections and the is XXXX of which I was a long time customer financially I had to cancel services .So now even when the bill is settled it will be on my credit for 7 years .I want it taken off

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: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Convergent, XXXX. XXXX XXXX XXXX, WA XXXX, XXXX, has contacted me regarding a XXXX bill that was paid in full in XX/XX/XXXX. I participated in XXXX 's " Fresh Start Program '' in which I paid half of the balance and the remainder was forgiven. I have since moved and my account has remained current. This is an Unfair Business Practice which is a violation of the Fair Credit Reporting Act because : They are reporting an old debt as new or re-aged and ; they are furnishing and reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rodenburg LLP
State: MT

Complaint narrative:
Am being sued. No prior notification or proof of debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 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: FL

Complaint narrative:
This company " convergent solutions '' is trying to collect a old debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from XXXX XXXX XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: MD

Complaint narrative:
XXXX XXXX in North Carolina erroneously charged me {$270.00} in fees for doctors appointments in XXXX and XXXX XXXX that resulted in XXXX collections accounts being sent to Optimum Outcomes Inc. Optimum Outcomes listed these accounts on my credit file in early XXXX. After contacting XXXX XXXX 's billing department to research the erroneous charges, they pulled the accounts out of collections and closed them/zeroed the balance ( to date, their systems show these accounts as closed ). It was also updated at Optimum Outcomes to show the accounts were resolved/closed. At the time, these accounts were removed from my credit file. 

In XXXX XXXX, these accounts reappeared on my credit file ( I was given no notice via mail or phone that these accounts were reopened or there was an attempt to collect a debt ). In late XXXX, I called XXXX XXXX 's billing department and XXXX XXXX confirmed the accounts were still closed with them and they had not taken any further action. I contacted Optimum Outcomes and was told their systems showed the accounts as closed. They advised me to contact the credit bureaus to dispute the items as they had no explanation for why they reappeared. I disputed with all XXXX bureaus. XXXX researched the dispute and informed me that Optimum Outcomes responded to their inquiry stating the accounts were open and unpaid. 

These accounts were closed in early XXXX, there is no reason why they should be open as I do not owe XXXX XXXX or Optimum Outcomes any balance. 

This has negatively impacted my ability to refinance my home as my credit score has dropped dramatically. I can no longer secure the rates that would have been available to me before my score dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: VA

Complaint narrative:
Repeated calls from CA. I researched and found out it is CMRE financial services. They are a THIRD PARTY debt collector. They need to have proof of debt. Until they can provide proof of ORIGINAL debt I will not speak with them. From now on, they have to provide everything in writing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
currently refinace this accout with Conn 's .. I have been nonstop calls for collection. I have called back and spoke to a manager and was advised that the calls would stops. But I am still getting calls and this is outrages. I would like for the calls to stop since my bill is not even due until XXXX XXXX. Not only due i get calls I also get hang ups. Transfer to other CSR agents when advised I would like to talk to a manager then told I can be transfer to a manager. This is harrashment. I am looking into more legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
this account is clearly fraud and needs to be removed from my credit file i have had to deal with this for quite some time .... they continue to report this even after it is clearly not my account my information was used to open this account i have listed it on my police report and notarized id theft affidavit concerning this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received 14 calls in one week. The call at XXXX XXXX on Saturday was the last straw. They also called while I was in another state attending a funeral. I do NOT have an account with them. I requested them to stop calling me four times and they continued to call. Finally I was told they were calling for XXXX XXXX. I do not know this person. Again I asked them to stop calling and they continued so I called them after ten minutes I got a Supervisor XXXX from Symphony Bank XXXX XXXX XXXX XXXX Ohio. That was all the information they gave me. They kept asking for my Social Security Number I refused to give it to them. They called from XXXX then instructed to call XXXX. They deserve some National Do Not call training and a hefty fine. I would appreciate your. I have been on the Do not call registry for years and checked to make sure I was still on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This inquiry was n't me

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 non-monetary relief
Consumer complaint received 2015-09-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I paid my credit card payment at XXXX on due date XXXX XXXX 2015. The summary said payment was madeXXXX and will post on XXXX XXXX 2015. Barclay credit card has a cut off time of XXXX for payments. All of my other credit cards have a XXXX cut off and this is hard to remember. My statement arrived and has a late fee of {$37.00}. I called Barclay and ask for a refund. They said the payment was made at XXXX and refused to give me a refund. This is ridiculous that I have to pay a late fee for XXXX minutes over. I am requesting that fee to be refunded. The late fee was posted XXXX XXXX the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony a collector for GE Capital is harassing me via Home Phone and Cell phone for a debt i do not owe.

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 2016-05-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I started GE money credit card for my teeth and vet bills XXXX years ago. I lost my job in 2008 and consequently lost my residence and became homeless. I received XXXX XXXX years ago and live in subsidised housing. I continued to pay XXXX the minimum and XXXX XXXX to this day. The current hardship from Synchrony Bank to pay my loan off is {$55.00} a month for the next for 4 years. I also pay XXXX XXXX {$30.00} a month to pay off another balance. Both would no longer charge interest. I have duly paid these companies in the years that I have had them. How does one justify extortion from these companies that want even more.

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 2016-01-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I recently check my XXXX credit report and there is an exaggerated past due amount of {$16000.00} from Barclays Bank Delaware. I do not owe this amount of money or am I conducting business with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I have previously submitted a complaint against this company which resulted in them finally contacting me to get the issue resolved. I asked them the full balance remaining on the account and immediately paid the account in full. The account was supposed to have been closed. Several weeks ago I received a statement from them which indicated I had a balance of {$27.00}. I immediately called them and asked how that was possible considering I just paid the account in full. They stated that after I paid the account they added another {$25.00} late fee ( from the original issue of my not receiving statements from them XXXX. They removed this fee and stated that I had a XXXX balance and the account is closed. They apparently then proceeded to report to my credit that I had made another late payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have credit cards on my credit report as far as 1994 still showing which is derogatory to my credit ... I have a mailed report that XXXX was taken off, and its showing on my credit, I have XXXX fashion bug cards showing on m report that have n't been used, no money owed from yrs back, I do not understand this at all ... I also have XXXX XXXX, XXXX, and XXXX, now these are old accts that are ruining my credit..I want them taken off, they have n't been usd in yrs, and I do n't even have a XXXX XXXX acct, and was supposed to come off, still shows I paid a collection, Now my daughter had the same thing, her collection is totally off, I paid XXXX XXXX for XXXX XXXX XXXX XXXX I was told XXXX XXXX XXXX that it would go away.At this time I am trying to do what I can as my husband XXXX left me XXXX closed our bank acct. took his check and left me, new house, car, whatever, and I am struggling for my credit ... I need some kind of credit, and I know it takes time to repair, I am doing the best I can, now these cards I am talking about, I have n't used in yrs..Please take them off my credit! 
Thanking you in advance XXXX XXXX XXXX ... XXXX XXXX XXXX Pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
jcXXXX penny XXXX up my acct this pass XXXX, I never chg my address, and lower my cr XXXX to XXXX I was never notify my cr was lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
In XXXX 2015 my daughter and I took at trip to XXXX. It was all prepaid through XXXX. The 2nd day we were there, we were told in order to make room charges we would have to have a credit card on file. So we did that. At the end of our stay we had {$26.00} in room charges. I signed the charge slip, then signed a credit slip to refund the {$6500.00} pesos hold The XXXX XXXX placed on my card. All seemed to go smoothly. 

When I received my credit card statement, not only did the hotel charge me the {$26.00} but also charged not credited me the {$6500.00} pesos ( {$440.00} US dollars ). I called my credit card company right away, told them the circumstances. We filled a dispute right away. On XXXX XXXX, 2015 Barclay Bank issued me a credit of {$440.00}. At this point I believed everything was all good. On XXXX XXXX, 2015 Barclay recharged me the {$440.00}. 
Again I called and filled a dispute, since the bank claimed my dispute was resolved. This continued for months, the bank claiming I signed the slip so I acknowledged the charged. 
I explained I signed a credit slip and there was no exchanged of goods the {$440.00} is a fraudulent charge. 
After months and hundreds of phone hours with Barclay Bank I filled a complaint with Washington State Attorney Generals Office. Since Barclay did not reply in a timely fashion nothing ever happened. 
I started contacting the XXXX XXXX myself. After being transferred around a bit and about a week I was told my money was credited back to my credit card. Again calling Barclay bank I was told no the money was never credited. Now I have emails from the hotel admitting a credit was due to me, again Barclay bank would not help me with this matter tell me my money was in XXXX and to bad for me. 
I the wrote a letter to the President at Barclay back with no reply. 
Then out of the blue, XXXX XXXX called me from the office of the President at Barclay Bank because of the complaint I filed with the Washington State Attorney General. After months dealing with her and all was in agreement I was owed the {$440.00} it was still never credit to me. I received a letter from XXXX XXXX closing my case. 
So I started calling XXXX, talked to XXXX there for another few months he told me they were escalating my case. I just recently found out XXXX is an intern and is doing nothing. 
Someone at the Attorney General 's Office gave me the information to this website, so here I am filling a complaint with you. 
This is just the cleft notes version, because I have spent hundreds of hours trying to get my money back. You are my last hope.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with non-monetary relief