vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-05 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:
CMRE Financial Services, XXXX has attempted to collect a nonexistent debt from XXXX XXXX XXXX XXXX that resulted from XXXX XXXX XXXX XXXX 's failure to correct a billing error with XXXX XXXX. Furthermore, the Notice from CMRE states that CMRE will assume the debt valid unless I contact CMRE in writing within 30 days, in violation of the FDCPA.

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 2016-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I never pay any bill to this account because it fraudulent, i alway pay my debit on time my car, my credit card, my car insuranse usually 5 to 10 days early, y never want to pay any fraudulent account i prefer not having credit in my life remember me in my life pay this account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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: MI

Complaint narrative:
In XX/XX/2014 I allowed my contract with XXXX to expire to seek phone service elsewhere. XXXX assessed early termination charges that I believed to be inappropriate. I repeatedly requested verification of the basis for charges. XXXX repeatedly failed ( refused ) to provide requested verification. Ultimately, XXXX sent the charges to collections. I have now responded to the following collection entities ; XXXX, XXXX and now Convergent. In each instances I have rejected settlement offers pending verification of the basis of the debt. Thus far XXXX and XXXX have apparently abandon their attempts. The most recent attempt was made by Convergent. I have responded as indicated above. I am hopeful that some final resolution can be enforced by the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 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: NV

Complaint narrative:
There are XXXX collections charges listed on my credit reports that does not belong to me. 

- {$340.00} Convergent Outsourcing ( collection company ) collecting on behalf of XXXX XXXX XXXX. 
XXXX form XXXX XXXX Acct # XXXX The person lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, used my personal identity to opened utility account from these XXXX companies. 

I want to dispute these XXXX charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: M.A.R.S., Inc.
State: NY

Complaint narrative:
I checked my credit report for the XXXX time only to discover that there was a claim of debt that was not true. I have called and requested verification of the debt and they said they would e-mail a bill. I am claiming that the bill was never an agreed upon total and I am requesting some substantiation of the bill, but they can provide none and refuse to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I had a promotional balance that expired XXXX/XXXX/2015. The XXXX/XXXX/2015 statement balance was XXXX. I paid the full statement balance in XXXX XXXX and XXXX. Barclays did not apply the payments to the promotional rate and instead applied it to charges that were made after the statement generation date and not do an payable until the next statement generated. I was charged XXXX in interest on XXXX XXXX XXXX. I was told they were allowed to apply my payment to charges made after the statement generation date and not to the promotional balance which was paid in full XXXX times prior to expiration. I am also forbidden from " pre-paying '' charges until the next statement. It is a trap designed so that I can never pay off the promo balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
I disputed a charge with barclaycard, in writing, over 2 months ago. I have proof of this as I used an online registered mail service, so I can prove I sent the letter and prove the content of said letter. I closed my account a few days ago, and in my final bill they reposted the disputed transaction. When I contacted them they sent form mail telling me to submit another dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclay Bank of Delaware opened a fraudulent account in my name when someone applied for a credit card in my name using my information that was stolen when I was the victim of identity theft. I have notified Barclay that this was a fraudulent account and I provided them my police report where I reported the identity theft to the police, my identity theft affidavit, and other identifying information and I let them know this account was fraud. Barclay has refused to remove this fraudulent account from my name and social security number even though I complied with the FCRA and made them aware that it was fraud and provided the proper documentation. XXXX had deleted this fraudulent account from my credit report several years ago, but Barclay 's has asked XXXX to reinsert the fraudulent accounts Barclay 's is violating the law by continuing to report this fraudulent information against my name and social security number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank has XXXX derogatory accounts listed on my credit report via JC Penny and Walmart. Both accounts have remarks that state " paid after charge off to XXXX party collections. '' I called synchrony to establish a date of deletion and they informed me that they do not have any accounts details such as account number and date of deletion. It is my understanding that they ca n't report negative information to the credit bureaus if they do not have enough information to validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Fraudulent charges/ syncbXXXX, syncb-chevron visa, syncb-bp, XXXX, Walmart

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's XXXX XXXX - they contacted me on XXXX/XXXX/2017, XXXX for a payment that was due on XXXX ( 4 days late ). I answered the phone, confirmed I was the accountholder and let the representative know I would send the payment out on my next paydate, the XXXX. I also stated that I only stayed on the phone because she introduced herself as if I knew her, but typically I would have told them to callback because I was at work. Once I found out she was a collector, I needed to hang-up but she knew what date I would be paying. 

They proceeded to call on XXXX multiple times at : XXXX ( I even answered and hung up when they said it was Conn 's calling again ) XXXX XXXX XXXX They called again on XXXX at XXXX CT and I answered and told the agent that I have already spoken to them, let them know I will pay on the XXXX and demanded to know why they are calling again because this is illegal to call over and over again, just because you did n't like my answer 2 days ago. The representative stated that they are calling because the agent did not put in a " Promise to Pay '' on Wednesday -- I said that is n't my problem. I told you the same thing I told her and what you do with it in your system does n't change that you ca n't keep calling even after I tell you when I will pay and this was illegal and I was going to file a CFPB complaint. She responded " Do what you have to do. ".

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I 'm getting aprox XXXX calls per day, seven days per week from Capital One Bank. It 's for a $ XXXX debt they knew I could n't afford, but being the loan sharks they are knew I would bite, and did out of desperation at the time. I 've been consolidating my debts recently with a local nonprofit firm and every one of my debtsXXXX XXXX, but Capital One was willing to participate in the program. I think Capital One figures their malicious scare tactics and plain and simple harassment will gross them more in return. I honestly do n't know how a " business '' like Capital One is allowed to practice legally in our country. It truly astonishes me ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
this amazon synchrony card is running a scam. it is entirely unclear from their user interface on their website or with the help desk to determine your payments and current balance. everything posts on massive days delays. it is impossible find out how much to pay in order to bring balance down to zero. they are operating trying to catch people with late fees and such due to poor, inacurate, and delayed data.. what a nightmare. they should not be in business. they do n't even understand the balance due, how can a customer.

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 2016-05-19 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:
I bought on credit some furniture and they start callin the day its due and every day 5-6 times every day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
OnXX/XX/2016 I called the number listed on the Synchrony Bank/Sam 's Club Master Card website for a locked out password, Phone # # XXXX. The representative asked for my last XXXX digits of my social security number, my phone number, my cell number, my husbands last XXXX digits of his social security number, my mothers maiden name. All were given correctly. According to the representative that when the XXXX different phone numbers were entered into the system they could not be used to verify my identity, there fore the only assistance that she could give me was to send out a letter via United States Postal Service with a code. When I received that code then I could receive assistance unlocking my account and resetting my password. I then inquired if she could tell my the last transactions on my account. She said she could not due to the fact that I locked myself out of my account and this was to protect the account from fraud. It seems to me that this policy is opening the door for fraud because there was no way for me to verify the transaction. I instructed the rep to close my account. A couple hours later I called the number on the back of my card XXXX. I was identified by my home phone on file that I called in on and the last XXXX digits of my social security number ( the same verifications that I gave above ) I explained the situation to the rep. I told her I would like a list of my last transactions ; She was very helpful and was able to give me a list of my transactions. All the transactions checked out and were mine. I then asked her if my account that I closed out 2 hours be fore could be re-opened ( buyers remorse ). She was not able to. I then inquired about my rewards points and she informed me that the rewards points had been forfeited upon cancellation. She transferred me to her supervisor - XXXX - XXXX to see if he could be of further assistance. He was not able to reopen either and his response was " you were read your rights and the account is canceled per your request and can not be reopened ''. What I am asking for is that my account be re-opened and that the rewards be reinstated. I am also asking that your process for resetting an online password be re-evaluated. It is greatly flawed and if my card and points are not re-instated has lost you a good customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I 've been a loyal Banana Republic cardholder for around three years, and have had a {$10000.00} line of credit. I have an excellent credit score ( above XXXX ) and have never had a late payment or any issues on other issues with my account with the exception of them consistently putting holds on my account for fraud when I buy items in towns anywhere other than my own ( despite repeated calls letting them know that I travel frequently for work ). In the last month I 've called them on multiple occasions because of issues I 've been having with their online payment system. The first time I had an issue their online payment system debited the incorrect bank account account. I filed a Reg-E claim with my bank, as the deduction was not authorized. A second instance of them attempting to deduct money from an account that was n't even mine occurred a week ago. I called them immediately and told them that the account was not the account I had selected for payment. I then went back into the online system and paid the payment in full with the correct account. Two days later my card was declined, and after calling I was able to determine that they had closed by account with no notification at all. They are also trying to invalidate more than {$300.00} in rewards that are rightfully mine. I 've never been treated so disrespectfully or seen such terrible customer service. In the entire time I 've been a cardholder I 've never made a late payment. They informed me that the issues I was having with online payments were my problem, not theirs, and have now hung up on me twice when I called to discuss my concerns. By closing my card with no notification they are not only impacting my credit but also put undo hardship on me and my family as I had pending payments that I was forced to try to correct before incurring additional fees.

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 2016-09-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was utilizing the XXXX XXXX sight and saw a balance transfer offer from Barclays Rewards card. I transferred over a XXXX credit card balance over to Barclays and come to find out that the amount of the new interest rate was much higher. It just seems deceptive and/or misleading that a consumer can transfer a balance over with a potentially lower interest rate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 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:
An account I opened while I was in college. Found out I had a balance on the card. I immediate paid the debt and it 's being reported on my credit report as derogatory. PayPal credit card. Tried numerous times to get it off. But still remains. When I made the payment I was told ones that was done all the negative reporting including derogatory mark will come off. Since the payment I have disputed and disputed and still nothing. My biggest mistake was that I did n't get it in writing. I trusted them to remove the mark.

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 2015-06-02 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
BARCLAY CARD has been a nightmare for me. Problem started when there was a repeated security breach and my card number kept ( like XXXX times ) getting compromised. This resulted in me having to change my card number, numerous times, contact all autopay bills. One occasion after that happened, in XXXX 2014 i began having this problem with my statements where every charge I made it would appear XXXX-XXXX extra times on my credit statement and then automatically appear as a credit back ( sometimes not until a later credit statement ). My statements wound up being many many pages long and you could make sense of them. There was almost no way to track whether i was actually getting credited back for all the over charges. I contacted Barclay numerous occasions, spent close to XXXX hours on the telephone ( over a XXXX month period ), spent XXXX+ hours trying to track my statements and make sense of what was happening. It was so complicated I gave up. I would call and speak to supervisors and be assured they would look in to it and call me within XXXX hours and never once did they return my calls. I spoke to no less than XXXX different individuals ( many of whom were supervisors ) and the problem never got resolved -- i continued to receive false charges and a confusing statement and XXXX help from the company. This problem continued month after month. I finally cancelled the card and then to add insult to injury they went back and are now charging me for the fraudulent charges in XX/XX/XXXX. They also seem to never have any record of my calls or complaints or who i spoke to. I am an attorney who is self employed and bills by the hour. This nightmare has cost me $ XXXX in lost income ... and the nightmare continues. I have never had any experience like this in my life. WORST customer service and response ever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry was initiated by XXXX BANK on XXXX. I did not authorize any employee of XXXX BANK to review my records for any reason at any time. I had also requested XXXX BANK to provide me with documentation for my verification within 5 business days and they have failed to do so, in clear violation of my FRCA and Privacy Rights. I have continued to suffer irreparable economic injuries as a direct result of this negligence on the part of the BANK, including but not limited to inability to secure meaningful employment, housing and obtain new credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclaycard credit card, issued by Barclays Bank Delaware, continuously flags my card for fraud requiring that i contact and spend hours on the phone. After resolving the matter at considerable expense of time on a call to them, and after being reassured that the hold has been removed, I try again to use the card at the same merchant and again the charge is denied and flagged for fraud. Each time that I call I am told that there is nothing that they can do, and more importantly, they refuse to tell me the exact cause for being flagged. At this point the items that were to be purchased for XXXX will not be received on time. Even after escalating to the resolution manager, both times, nothing is resolved.

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 2016-07-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
After paying my bill on time for over a year CareCredit ( Synchrony Bank ) applied {$700.00} in interest because I had not paid the entire balance within a certain amount of time. This is such a awful way to do business. I feel it was a sneak attack. When I called the manger XXXX at CareCredit was rude and talked to me like I was stupid. He told me it was the terms of my contract and I should have read the contact before agreeing to it. When a person is sick with pain and in need of CARE the last thing they are thinking about is a contract. That was my situation when I initially signed up for this service. Why not just get the money up front, Why hit someone after the fact with deferred interest. It is just cruel and a deceptive scheme hoping people wo n't read the fine print. They are predators. I will tell everyone I know Not to do business with such uncaring greedy people.

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