vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am a victim of ID Theft and after a thorough review of my credit file and hiring a company to assist me with it, I noticed multiple hard inquiries on my credit reports that were not valid, nor had I given them approval to run my credit. One of the companies was Synchrony Bank/Amazon, headquartered in XXXX, FL. 

I mailed them a letter asking them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. They received the letter on XXXX XXXX, 2015 and to date, I have not received anything from their company, nor has the inquiry been removed from my credit file. 

Therefore, I am filing this complaint against Amazon and I am praying that the CFPB can and will assist me in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My identity from my bank account had been jeopardized causing issues of payments. I do believe somehow information was used for some else purchasing unauthorized transactions

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 2016-03-31 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The primary creditor of this account has never contacted me in regard to taken further action to collect payment. In my defense payments has been auto scheduled to a min payment deducted every month from my account, but creditor decided to close my account without any notice and send me to collection instead of contacting me directly through all sorts of updated information on my account to settle this issue. I was wrongly sent to collection by this creditor and my balance is showing {$150.00} higher than what really is in facts.

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 2015-12-07 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On approx XXXX XXXX I opened a svg acct with Synchrony Bank online. I added XXXX XXXX XXXX Bank to my Synchrony acct so I could transfer money. Synchrony verified XXXX acct by submitting XXXX small deposits on XXXX XXXX. The day after I then transferred money from XXXX to Synchrony to fund the acct. On XXXX XXXX I set-up another transfer from XXXX to Synchrony but on the XXXX I noticed it had not gone through so I called Synchrony. I asked why the additional transfer I had requested the week before had not gone through. I was advised that my acct had been locked because they were not able to verify the XXXX acct I had requested the transfer. Keep in mind this is the acct that funded the Synchrony acct. after they submitted XXXX deposits to verify the acct. After calling them almost everyday for 2 weeks and speaking to various supervisors they finally transferred my money back to XXXX on XXXX XXXX. This was by far the worst experience I have had with a financial institution and I want you to know that they should not be allowed to manage anyone 's money. I felt like I was being held hostage because of their incompetence. Imagine ... Synchrony could n't verify an acct that funded the svg acct I had opened with them. This is my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from CMRE 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 CMRE 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 public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
The company listed on the attachment posed as a debt collector for the department of education. Leading me to believe that my debt would be settled and cut in half if I agreed to make a one time payment. The company told me that the department of education would be paid in full by them. Months later I received a call from another agency representing the department of education, " saying the debt still remains and nothing was paid off. "

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 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: DC

Complaint narrative:
XXXX is saying I owe money. I have not used XXXX in over 10 years. Yet debt collectors keep reselling an old account. Copied from my credit report : Account Details Last Reported XXXX XXXX, XXXX Collection Agency CONVERGENT Original Creditor XXXX XXXX USA Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$970.00} High Balance {$970.00} Remarks Placed for collection Creditor Contact Details CONVERGENT OUTSOURCING XXXX, WA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 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: TN

Complaint narrative:
This account was paid to XXXX. I have no idea what company this is that is trying to collect addition money. I switched over from XXXX to XXXX XXXX XXXX and from my understanding XXXX XXXX XXXX was to pay from me switching over. This is a thrid party trying to collect funds when account was closed. CONVERGENT OUTSOURCING

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 2016-03-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I received a bill from this company. I do not owe this debt. I never received a bill from the company that they are stating sent me to collections. the bill is for {$43.00}. I have medical for my child and they pay all bills that are for him. I do not under stand why they are trying to make me pay for a balance from what looks like the insurance did not pay.

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 2015-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Frequent and harrasing calls throughout the day on a daily basis. I gave already informed the company to cease their harrasing tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I receive many automated calls from this company. I do n't know the reason. They can write me with all details. I am in poor health and many phone calls are very worrisome.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Phone calls from Convergent Outsourcing XXXX. I have no debt does not concern me ... Calls my direct dial work number with an automated message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
The Complaint that I have is with CONVERGENT OUTSOURCING, INC.. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with CONVERGENT OUTSOURCING , INC . I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
This is my second complaint against Convergent Outsourcing in the last XXXX weeks. Today, when I got home from work, there was a message on my HOME anwering machine to call them about account number XXXX. This is a WORK related account, not home related. They had NO right to call that phone number, especially since it is unlisted/unpublished. I am attaching a copy of my last statement from XXXX XXXX, showing a credit balance of - {$80.00}. 

I called them back and I was NOT nice to them. I probably will be filing in civil court against them very soon. 

Unfortunately, I erased the message, as my wife would have had a bad reaction to the message, eventhough XXXX XXXX and Convergent Outsourcing are in the wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 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:
Received a collections notice, with no info other than a doctor I 've never heard of named. No date of service, no anything. I spoke to XXXX who was extremely rude and said she ca n't give me any info, that I need to pay {$42.00}. I have paid ALL of my medical bills, and on time. She refused to give me any info on WHAT this bill is for unless they send me 'promise to pay ' letter which means Im then 'on the hook ' to pay this and agreeing to pay it by asking for info in writing?! Very concerning!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Hatfield Portfolio Group LLC.
State: WI

Complaint narrative:
I received a phone call from ( XXXX ) XXXX and was told I owe money from an old creditor that I have not heard from in over 2 years and believe to be paid off. The person I spoke to did not seem very knowledgeable and there was a lot of loud noises in the background which made me suspicious. I have also had collection calls in the past and so I know from experience the person calling usually clarifies they are from a debt collection agency ; this was also not the case, which makes me suspious. This debt has not affected my credit score, and does not show up as a collections account. This person also did not ask me to verify any of my personal information like date of birth before giving me amounts due or other info. I have tried looking them up and do find a website but also the phone numbers and address information are different than what they are telling me. I do n't know if I should pay them or not? I have seen posts related to my original credit card company, XXXX, linked to scams online in the past. 
This company also has very old information for me including my maiden name from over 6 years ago and an old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: CA

Complaint narrative:
I do not agree with XXXX when they reported a bill delinquent on my credit reports. In an effort to get them to remove it I wrote them a letter and sent them a check requesting them to remove it from my credit reports with XXXX, XXXX & XXXX. In the letter it also says if you cash this check the account is now paid in full and you agree with the terms of the letter and they have 15 days to remove the account from the XXXX credit bureaus. They removed the account and then resubmitted to the credit bureaus. They need to correct this immediately. As of XXXX/XXXX/2017 they cashed the check that was sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 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: TX

Complaint narrative:
I have repeatedly written the credit bureaus disputing this and they say that this is the information being provided to them. This company has never written me, just shows up on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Received a surprise letter from CMRE XXXX stating that some one failed to bill my  insurance XXXX months ago and cannot go back.I have no other information or verification  on this company.The collection company is not ready to listen and is pressuring me to pay  and threatening to ruin my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
I have been making payments to one advantage and they are not applying them to my account. The customer service rep said that have another other accounts not reflected on my credit report. I currently have an open dispute because they sent me verification for another person with similar name. They also have an account in which they list the first name of XXXX of my children and the last name is totally different. They said I have a balance of about {$1100.00} when all XXXX credit reports are showing only {$530.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am not sure how CMRE financial was able to grab a hold of my information.. 
CMRE have already sent me 2 letters with different amount balance each time. They have left me a voicemail stating that they are calling in behalf of XXXX XXXX of California, this is a fraudulent claim by CMRE. 

I do NOT owe any money to XXXX XXXX of California. I have contacted XXXX of California and confirmed that there is no existing amount due. My final payment was made in 2014. 


CMRE needs to be investigated because they are stealing innocent people money. 
Please help me get this fraudulent company CMRE off my back.

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 2016-02-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Sortis Financial, Inc.
State: TN

Complaint narrative:
My XXXX and XXXX mortgage was with XXXX Bank, I requested a mortgage modification for the XXXX and XXXX mortgage because I had a XXXX % reduction in pay. XXXX did modify my XXXX mortgage and reduced the mortgage payment. XXXX refused to modify the XXXX mortgage'they transferred the XXXX mortgage to ClearSprings Loan Services of which is a subsidiary of XXXX mortgage. I have received a Final Demand Letter from them. I want to settle on the debt. or they do a debt forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Brookshaw Management, LLC
State: SC

Complaint narrative:
I received a call from a private number and a man by the name of XXXX XXXX left a message saying that he had my social and that he would be delivering me some type of mail on Wednesday. He said he had confirmation that I would be free all day Wednesday to receive the mail, which is untrue because I work full-time Monday-Friday. He left a reference number and number to call back, XXXX. So I called the number back and XXXX XXXX answered and took my reference number. He said that XXXX XXXX was the courier. He went on to explain that he is trying to collect a debt from 2013 and that what XXXX would be delivering would be their efforts to take some sort of legal action against me. I asked how much I owed and he told me. Then he said that there was still time to resolve the issues without taking any legal measures. I told him that of course I would want to keep it out of the courts and that I could make a payment XX/XX/XXXX, he said no that is not acceptable. I explained that right now I do n't have any expendable income and he said " Well we are all living paycheck to paycheck ''. He kept using my name in a derogatory manner. I just did not like how he was speaking to me. So I hung up the phone on him. Then I decided to call back to get the name of the company and when I called back he kept using my name to let me know that he knew who I was. I told him that I was happy that he had caller ID and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Mid-Atlantic Consumer Services
State: NJ

Complaint narrative:
They called my home phone ( calling from XXXX ) stating that were calling on for XXXX ( which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... and I do n't even know where that is ) and that they were MACS regarding a 'check protects claim. ' If I did n't handle this immediately, that it would affect my bank and banking. I was instructed to call XXXX. I work in credit and collections and would NEVER consider this a valid claim as I have NEVER received any physical correspondence relative to any debt due and owing a hospital or otherwise. 
I used XXXX and called back XXXX and got a strange tape recorded message stating that the number was n't in service. I then called XXXX and when I asked them what the call was about and mentioned the FDCPA, they guy on the other end stated, " He did n't care about whatever the FDCPA-was I was talking about. " I work in credit and collections and strongly view this manner of debt collection as improper and negligent, not to mention downright unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC
State: VA

Complaint narrative:
Received letter ( XXXX/XXXX/16 ) from company ( " American Coradius International LLC '' ) claiming to be collections company indicating I owe {$370.00} to " XXXX '' via my XXXX account. I do not recognize the amount or the " XXXX '' name. I logged in to my XXXX account ( XXXX/XXXX/16 ) and note that no balance is present and any payments I made via credit during the past year and prior are resolved, with no indication of money owed. I have checked my XXXX and XXXX credit reports ( XXXX/XXXX/16 ) and see no indication of the {$370.00} debt or the " XXXX '' name, nor any other past due debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Young America Holdings, LLC
State: IL

Complaint narrative:
I have a reward/prepaid card from Toshiba that was issued to me after purchasing a laptop. The card expired XXXX and was not used. It had a full {$50.00} rebate on it. I called the number on the card, XXXX and was informed that they are unable to issue another card and no further assistance was available. I did reach out to XXXX Bank, the issuer but they could not help me either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Sortis Financial, Inc.
State: MI

Complaint narrative:
On XXXX XXXX, I paid ClearSpring Financial to clear a lien and release a mortgage on my home. It has been approximately 90 days and there is still a lien on my home. I am under the understanding, in the State of Michigan, they have 60 days to clear this matter. They are failing to perform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Corporation of America
State: TX

Complaint narrative:
Although XXXX 's Hospital of Texas acknowledged receipt of my request that my dispute of their bill is under review, their collection agency, Financial Corporation of America, has sent me a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation