vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
I keep getting phone calls looking for a XXXX XXXX ( not me ), and when I ask them to stop, they do n't. I got XXXX company XXXX XXXX XXXX XXXX to take me off their list, but others are calling now. A company called Convergent Outsourcing , Inc. is calling and hanging up when I pick up the phone. When I call them, I 'm out on hold to speak with someone. I told them once to remove my number, but I keep getting the hang up calls, and when I called back, I spoke with an XXXX who said my number was not in their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 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: CA

Complaint narrative:
I received a credit alert through my Credit monitoring service that CONVERGENT OUTSOURCING had reported an unpaid debt to XXXX credit bureau. I cantacted Convergent three times trying to verify the dept in writing and after two month i 'm still waiting. I was told over the phone that I owed XXXX money ( could no tell me how much ). I joined XXXX and they were not able to connect our unlocked iphones. We tried with them for two weeks and finally they gave us an option to buy phones from them of cancel the service. We cancelled the service and since we were not able to use their service, they told us that we do not owe them anything. We never received any bills of phone calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 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: Convergent Resources, Inc.
State: MO

Complaint narrative:
Convergent Outsourcing Inc has placed a collection item on my report from XXXX for equipment that was returned when services were canceled. I 've never received any documentation notifying me of this collection and this item needs to be removed from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 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:
I paid the debt they ( Convergent Outsourcing ) tried to collect directly to the original creditor ( XXXX ) after not getting any response back from this collection agency in a timely matter. This company never owned this debt outright but still reported on my credit reports without notifying me of the debt. The company began reporting during the same time that another collection agency was trying to collect on the same debt. According to my reports, the company opened their account in XX/XX/2016, however, another collection agency still had the debt at the time. The other agency did not stop reporting until XX/XX/2016 at which point Convergent had already started reporting that same debt. I got Convergent 's address through my credit report and I sent letters to Convergent trying to resolve the issue with them even though they never called or sent out notice of the debt. I did research on Convergent and read horror stories about how they buy old debts to try to collect on them, harassment, deceitful tactics, etc. and based off of SEVERAL consumer reviews and no prior notice from or knowledge of this company, my safest bet was to pay the original creditor directly which is what I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
After receiving a bill from them I contacted them certified mail usps XXXX requesting debt validation. They then sent me a letter asking me to help prove to them that I do n't owe the debt but no validation. They have continued reporting to the credit bureaus for unvalidated debt amounting over {$17000.00}. I have a right to see the medical bill and dispute charges of services I never received. Continuing to report the debt is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Harvard Collections, LLC
State: IN

Complaint narrative:
COLLECTOR FAILED TO VALIDATE, CEASE AND DESIST AND SKIP TRACED FAMILY MEMBERS AFTER HOURS IN VIOLATION OF TCPA. skip tracer : XXXX at XXXX see attached records and vioce.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: MO

Complaint narrative:
Received letter from CMR Financial Services , Inc, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX CA XXXX stating {$270.00} is owed XXXX XXXX XXXX XXXX XXXX ... this amount was written off by my insurance and this is an attempt to pay a non existent amount.

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 2016-12-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Telerecovery Corporation
State: LA

Complaint narrative:
After being removed or deleted from one credit bureaus files after being investigated by XXXX this collection agency, sending this information to the other bureaus like these are new collection account. I asking for this to stop and not share this information with others. Without approval. It is transferred from one to the other.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
After I had sent a letter to Sunrise Credit Services asking them to verify any alleged debt with proper proof of documentation, the collection company refused to respond, made repeated dropped calls to my phone, and left blank voicemail messages.

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 2016-06-06 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: OK

Complaint narrative:
Both Convergent outsourcing along with XXXX XXXX XXXX, are still attempting to extort money from me. Every year XXXX XXXX try 's the same crap.Every year they use XXXX of their many subsidiary companies to threaten and bully me. This year it is convergent outsourcing doing the dirty work. Allegedly I owe XXXX XXXX {$4200.00} dollars this year. As always neither XXXX XXXX nor any of their affiliates provide any legal documentation that that could be used in court to validate this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Management Resources
State: OK

Complaint narrative:
Had active medicaid insurance. Dr office did not get proper authorization for follow up. Per billing guidelines can not bill patient for physicians office error, office responsible for getting authorization. Dr office stated I signed a medicaid ABN stating I would be responsible for charges not covered, however if proper authorization had been obtained insurance woild have paid. Spoke with medicaid billing line and confirmed physicians office never got proper paperwork. Also informed physicians office can not bill me for the balance as a medicaid patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Today I checked my balance on my Walmart Mastercard by calling the toll free number XXXX. I 've been a customer for more than 2 years and I 've never paid late and have always paid my balance by the due date. When I call the account services number I usually get a message that my account has been matched with my social and it asks me to enter the last XXXX digits. This saves a lot of time. Recently I made a complaint to Synchrony bank, the servicer of the Walmart Mastercard, about walmart.com charging me for a toaster that I ordered online XXXX XXXX, 2016 at Walmart.com and then canceled the same day because it was n't available for free same day pick up at the store as promised. So today after checking my balance via phone call and finding it different from my calculations, I called the toll free number a second time so I could check my recent transaction history and find out if the toaster I DIDN '' T BUY has been removed from my recent transactions. On the second call I was asked to enter my entire account number and then last XXXX of my social, and the system said it did n't recognize it. I tried again and got the same response. So now I have no way to dispute mistakes on my account or ask questions or get customer service. I have NO faith in the security/integrity of walmart.com and I 'm not going to do transactions on their website. I really do n't want to believe that Walmart /Synchrony would lock me out ( although it looks that way! ) to retaliate against me for being vigilant about my own credit usage and making legitimate complaints about Walmart.com 's mistake!

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 2015-05-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My XXXX credit card account was cancelled without notice. I received no paper or electronic notice. Not only is this inconvenient, but I had reward points that I had not yet redeemed and which XXXX still owes me. The same thing happened to my wife 's account. She spent several hours on the phone yesterday and was told that they no longer have reward points records, although, conveniently, they do have records of outstanding balances. Today, I received an email from the new owner, Synchrony, encouraging me to sign up for a credit card that I thought I already had. I would like to receive a formal notice and explanation of cancellation from XXXX. I would also like confirmation that this will not adversely affect my credit score. Finally, I would like a record and receipt of any reward points.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Barclay card is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). The account in question ends in XXXX

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 2016-08-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I have an Amazon Store Card through Synchrony Bank. I am a recent XXXX who took the XXXX in XX/XX/XXXX. Due to a overlap, I lost track of the time of the month and missed my payment. I have missed no other payments and have always been current. Resultantly, Synchrony Bank doubled my monthly payment, which I now can not afford. I am currently unemployed, being a recent student. I called Synchrony in an attempt to resolve this and was met with nothing but hostility and outright rudeness. I was told that my only option is to allow my account to lapse and write a mailing address that will take at least 30 days to process my request, at which point my account will be even further lapsed. They will offer no leniency and no meaningful solution. They will give me no details as to what options will be provided to me once I write to this address ( and seem to suggest that no relief will be provided ). All I asked for was flexibility, to allow me to pay my normal monthly rate and I was borderline mocked by their representatives. They have put me in a position where I have no choice but to fall further in debt and accumulate more late fees and interest.

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 2016-04-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
I applied for a 0 % interest for 12 months credit card called XXXX. I was sent a card that said XXXX all across the front. In the XXXX billing month, I was charged interest. I called Barclaycard XXXX, the issuer. They said they could n't resolve the issue over the phone but that if I waited two weeks they would send me a letter. I waited. No letter, no call. I called again. This time they acted like the first agent did n't even open the case correctly. They said they would. Told me to wait a week. I 'd get a letter. I waited-no letter. I called again. This time agent told me they were not going to charge me interest for the upcoming month and that they would eventually credit the account for the interest already charged. On XXXX, I logged in to the online account to find I had been charged interest yet again. I called again today ( XXXX ) and was told my card does not have 0 % interest for purchases and they would n't refund the charges. I applied for a 0 % for 12 months card for purchases AND balance transfers. I read the terms carefully before applying. They are still offering this XXXX card on their website with 0 % for purchases and balance transfers for 12 months. I told them that. Manager said that promotion could change at any time and would n't verify that the promotion had been valid when I applied for the card. I definitely applied for that card and those were the terms. I was also supposed to get {$100.00} cash back if I spent {$500.00} in the first 90 days. I have n't received that either. They wo n't honor the terms of the card. Also, by telling me to wait in two week spans, I 've been pushed into subsequent billing months, interest charges piling up by the day. This is classic bait and switch. I 've never received XXXX letter or call in response.

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 2015-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I keep receiving phone calls from XXXX XXXX XXXX XXXX stating that they are trying to collect a debt for XXXX bank. The only account I hold through XXXX is an XXXX Store Credit Card. I called the number on my card and they have confirmed last month 's ( XXXX XX/XX/2015 ) bill was paid by the due date and this month 's ( XXXX XX/XX/2015 ) is set for the correct amount paid on the due date. Not only do they keep calling asking for money, I have received calls both on XXXX, and I have gotten automated voice recordings on my cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
No credit line increase allowed, Synchrony Bank/Care Credit. 
CFPB has continually denied my request to increase my credit line, without explanation in an expeditious and thorough explanation for the denial of an increase of my credit line on my Care Credit account. This has caused me duress and expenses incurred that should have been charged to Care Credit, but denied because of your credit bureau. 
If this is not resoled within 3 days of this post I shall pursue legal action against you and file complaints with any and all agencies under which you are governed. I have exemplary credit and a XXXX condition. XXXX is a common trigger to XXXX. I can easily afford legal fees, but I think free legal service is also available given my health status, the duration of continued requests for increases, risk of delayed XXXX procedures, duress and the consequences thereof. 
XXXX XXXX XXXX XXXX . 
XXXX. XXXX XXXX, CA XXXX, phn. # XXXXSynchrony Bank acct. # ending in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc
State: CA

Complaint narrative:
I responded to an online Ad for a free consultation with XXXX XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation XXXX days cancellation rights ended on 3rd business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a JC Penney store card ( not XXXX or XXXX ). I took advantage of a deferred 18 month no interest promotion which expires on XXXX. When I have current month activity they apply my payments to the promotion first so I incur interest for the current payments each month. I pay enough each month to cover the current charges and make additional payments to pay down the promotion balance. 
When I make a web ( or check payment ) there is no system or mechanism to designate how I want to have the payment applied. I called customer service and it took 5 minutes to go through the voice response unit ( wo n't let you opt out for a representative ) to reach a live agent and go through the ID questions to talk to an agent. The agent said after I make each monthly payment each month ( 60 minutes a year - 12 payments x 5 minutes ) I would have to call customer service to direct how I want my payment applied. This is a whole lot of hassle. My wife wants me to payoff the credit card ( lose the remaining benefit of the promotion ) and destroy the credit card. We will stop buying anything from JC Penney at all ( we do n't have these problems with XXXX XXXX, Lowes or XXXX on their interest free promotions ). 
We also received an unsolicited JC Penney VISZ or MC which we did not activate and shredded.

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 2016-09-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Made a payment on my credit card on XXXX/XXXX/16 - checked balance today and found out the payment is on hold. Told by agent I had made too many payments the previous month so they placed a hold on the account. Transferred to supervisor and advised the hold was random and authorized by law and that the Federal Reserve had placed a hold on the payment even though it had cleared my checking account. Stated the hold would be in effect for an additional four days ( 11 days total ). I contacted the Federal Reserve and they stated there was no law putting a hold on payments by the Federal Reserve and they referred me to you.

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 2015-09-27 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: M.A.R.S., Inc.
State: MS

Complaint narrative:
Was unaware of debt until requested credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
1. On XXXX XXXX, I read my XXXX Red MasterCard statement and there are XXXX charges appeared fraudulent ( total {$250.00} ). I called in right away and I was assured the account was closed, and amount under investigation. 
2. I received phone calls asking me to pay, I refused and spoke with various people and again reassured that the account was closed and I am not responsible for the amount ; just wait for the paperwork. 
3. On XXXX/XXXX/15 someone called my husband ( whom is not on the credit card ) and he paid ( total {$250.00} ). I called my bank to dispute the amount as soon as he told me that he paid the above amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief