vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: General Information Services, Inc
State: TN

Complaint narrative:
I applied for employment with the XXXX XXXX company and was offered a position. They conducted a background check and credit report, which I agreed to. The company that provided the report is GIS. The only thing that showed up on that report was a criminal charge that was in public record. I have not been convicted of anything, as this is still an ongoing case. I spoke to the manager at the XXXX XXXX location that I was offered the position at and they informed me that, due to that charge showing up on that report, they were retracting their offer for employment. I contacted GIS to discuss this matter and they told me as long as it is public record they can report anything, regardless of conviction status. Also, the arrest date in the report is incorrect. I have been completely honest with XXXX XXXX throughout the entire hiring process. I disclosed all charges that I had been convicted of, which is all that was legally required of me according to my attorney. This report essentially makes me appear dishonest. Also, in the section on the report titled " Social Security Validation and Death Master Index Check '', the company reported that my Social Security number was issued between XXXX and XXXX. It was actually issued in XXXX. This report is riddled with inaccuracies and I consider it detrimental to my future employment opportunities with XXXX XXXX or any company that uses GIS for credit/background reporting. I have a child on the way soon. I can not afford for this type of mistake to hinder my financial future.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Tried to call Nationstar Mortgage customer service number at XXXX. With all the advertisements, there is no way to talk to a customer service representative. I sent XXXX payments in to satisfy my XXXX XXXX, 2015 payment and they applied both to principal so I still owe the XXXX XXXX payment. This servicer is incompetent and should be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: ID

Complaint narrative:
My mother 's reverse mortgage serviced by Champion Mortgage went into foreclosure for failure to pay taxes & homeowners insurance. When she finally told me what was happening I sent the loan servicer, Champion Mortgage, an authorization for me to access her account info ; it took them several days & multiple faxes for them to update the account & speak with me. After repeated calls I was only able to obtain a verbal quote of {$18000.00} to cure the default - Champion refused to provide written breakdown of costs, nor written confirmation that the amount would stop the sale. I confirmed several times with XXXX XXXX XXXX at Champion that {$18000.00} was correct & on XX/XX/XXXX I sent XXXX cashiers checks totaling {$18000.00} to their XXXX MI office as instructed ; I sent it via overnight XXXX & have XXXX delivery confirmation for XX/XX/XXXX. Since XX/XX/XXXX I have called nearly every day to confirm account is current & to request breakdown of what the {$18000.00} paid for. I have detailed notes of who I spoke with & when. XXXX reps, XXXX & XXXX, were very professional & really did try to help me within the confines of their company, but several reps were unbelievably rude, condescending & nasty : XXXX & XXXX in particular were incredibly unprofessional & rude ; XXXX hung up on me when I repeatedly requested a supervisor, the other would repeatedly put me on hold for extended periods of time ( over 10 minutes ). It has been over 2 weeks & Champion has my mother 's XXXX & are still proceeding with foreclosure. I spoke with the Trustee conducting the sale & they have not received notice to vacate the sale. I work in XXXX & understand the system & still, I ca n't get this account cleared up, or even obtain an accounting of the money. How can an elderly person with no industry experience hope to sort things out? I know that a reputable loan servicer has no difficulty providing a written statement nor applying a default cure payment ; I deal with many lenders at work & know what to expect. This is beyond the pale. They also gave me a false foreclosure date of XX/XX/XXXX to push me to send money quickly ; per the Trustee the actual sale date is XX/XX/XXXX. Remember-this is a reverse mortgage, specifically for the elderly - there is no way that my mother would not stand a chance of getting this account cleared up & stopping the sale. I need help to force them to acknowledge the cure funds, stop racking up trustee foreclosure fees & provide an accounting ... please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
MY WIFE WAS CONTACTED ABOUT AN XXXX XXXX XXXX DEBT IN THE AMOUNT OF XXXX. AFTER VERIFYING ADDRESS AND I HAVE XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, REPRESENTATIVE XXXX FROM SUNRISE CREDIT XXXX, WENT ON TO LET HER KNOW THE CALL WAS BEING RECORDED AND INFORMED HER THAT THIS WAS AN ATTEMPT TO COLLECT A DEBT FOR XXXX XXXX XXXX. MY WIFE TOLD THEM THEY SHOULD NOT BE SPEAKING WITH HER ABOUT THIS AND ASKED WHY IS THIS BEING CHARGED AS IT IS CHARGES FOR SERVICES I DID NOT RECEIVE. I HAD OUR CELL PHONE SERVICE WITH XXXX AT THAT TIME. AFTER SHE ASKED THIS, XXXX DISCONNECTED THE CALL.

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 2015-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: EMBRACE HOME LOANS
State: CT

Complaint narrative:
I filed a TILA rescission letter and the alleged creditor did not file a declatory action within 20 days. I have a state Judge that is ignoring TILA and continuing with the court case. Who enforces TILA? Thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 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:
CMRE Financial Services just popped up on my XXXX XXXX XXXX, that i owe them {$210.00} for a medical service in XXXX of XXXX. I am a 100 % sure that I do not owe them any money at all. I am outrage by the face that this company is committing fraudulent activities on my credit account. I have done my research and a lot of people are being scammed by this company.

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 2016-07-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I paid Convergent Outsoucing payment on XXXX/XXXX/16 as payment in full for XXXX bank for a credit card that I did not have but is on my credit report. i disputed this but they wont remove it so i paid convergent who said they would email me a letter the next day saying account was paid in full but they did not. am attaching a copy of credit report and proof of my payment to convergent to pay off this account. I had a premiere bank account over 7 years ago that was a prepaid credit card and I was using my own money. When I closed the account they never refunded my deposit that was supposed to be held in a savings account. I called Convergent and XXXX and am getting no satisfaction. This is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
Optimum Outcome, Inc. a debt collector keeps harassing me and calling. I 've told them prior to XXXX 2015 that I could not pay the debt and I am currently on XXXX. They have continued to call even though I blocked them on my cell phone, they are still able to leave a message on my voicemail. The calls that I still have logged are from XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and today, XXXX/XXXX/15 at XXXX p.m. I do not need this stress while on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Works & Lentz of Tulsa, Inc.
State: LA

Complaint narrative:
This company has continually reported these debts on my credit report. I have spoken with them and sent letters in which I stated to them this is the debt of my ex wife. Oklahoma is not a community state so therefore her debts are hers. She was never on my insurance and I did n't even live in the state at the time of this bill or years before that. They said I am past the 30 days of disputing this debt, however this debt was never sent to me before it went to collections or on my credit report otherwise, I would have disputed it then.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XXXX XXXX XXXX sent me to collections for a bill for services that were never rendered. XXXX was also extremely aggressive with monetary threats to get me to agree in the first place. I feel coerced into the initial agreement, and sending me to collections for a bill for services that were never rendered is absolutely illegal.

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 2015-09-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Time Investment Corporation
State: NC

Complaint narrative:
fell behind on pymnts and they have showed up to/ and called my home and my job even after I requested them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have told this company several times that this debt was paid 12-14yrs ago. We believe the debt was paid to a company that sold it off before they noted the payment. We never heard from either the original creditor or this company since XXXX. In XXXX they started to call. 

Convergence Outsourcing XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 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: TX

Complaint narrative:
In 2012 was seen at The XXXX XXXX XXXX XXXX. They took my insurance. I am XXXX insured. They filed my primary insurance and did not file my supplement insurance which also covers any deductible. I wrote them letters and tried calling and they refused to answer. They sold the balance of my account for {$55.00} to a collection agency - CMRE Finance, XXXX XXXX XXXX, XXXX, CA XXXX. When contacted I asked for a copy of the charges. Never received from either agency. They acknowledged the XXXX billed my supplement company, but because it was over a year they would not pay. CMRE Finance filed with the credit bureau 's even though erroneous billing had occurred.

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 2016-08-31 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: AZ

Complaint narrative:
I received a notice from CMRE Financial Services regarding a medical account on XXXX XXXX XXXX. The notice claims that XXXX XXXX attempted to collect an unpaid balance and has since forwarded the account for collections. This is absolutely false. I made payments arrangements with Phx Childrens and have made monthly payments as I agreed to. The collection agency now is demanding payment in full with interest plus additional charges. This is absolutely unacceptable. I have done what I agreed to with Phx Childrens and this account should NEVER have been to collections. PLUS, the amount stated owed is not accurate. I do not owe that amount. That claim is also false!

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 2015-12-23 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: FL

Complaint narrative:
I paid this debt over the phone back in XXXX. ACH did n't go through so she called back and did a Debit card payment for the full {$100.00}. Now I am receiving calls saying that this was never paid. I have provided proof and if this hits my credit I will sue this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: WV

Complaint narrative:
For approximately 1 month I have been receiving phone calls from a company called Convergent Outsourcing ( www.convergentusa.com ). They tell me they are trying to reach XXXX ( XXXX? ) XXXX. I have told them every time that I do not know XXXX XXXX, and that I have had this phone number for 2 1/2 years. Every time I have received a phone call from this company I have told them to take my number out of their system as it is clearly a wrong number, and every time they have told me that they will comply. However, I am still getting phone calls. The most recent time I requested to be taken out of the system was yesterday ( XXXX/XXXX/16 ). After I told the person on the phone to remove me from the system, I went onto their website and filled out a form to request for them to stop calling me. Apparently neither of those methods worked because they called me again today. I called them back and again told them to remove my number from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
this is the fourth time i complain about this company last time a lady called XXXX XXXX responded and made false claims and told us in her letter to call if i needed anything to call i left here Several MSG never responded i called here today XXXX XXXX 2017 and told here i will send here all prof of my hardship and my hospitalization she said she alredy helped me once and there is nothing she can can do for me i

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 2015-08-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL

Complaint narrative:
This is the XXXX time I 've had to submit a complaint on behalf of this card. The first time I spent a lot of energy and time submitting a thoughtful overview. This time I 'm just going to say - the customer service and operations for this account suck. The people who answer the phone can hardly help. It takes 20 years and XXXX phone calls to get anything taken care of. Each person has access to XXXX piece of the puzzle. My card was recently compromised and I 've yet to have anyone provide me answers to the questions I 've asked and I 'm not willing to spend anymore time on this issue by providing a thoughtful submission. Hopefully my complaint will put me in touch with an intelligent person in the organization that is equipped to give me all of the information I 'm looking for in a timely manner. It 's unfortunate I find the rewards for this card of value ( the only value the card provides ) or I would have chucked this out of my wallet long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I was given a Lowes credit card at the store on XX/XX/2016 through Synchrony Bank and made a purchase the same day for {$2100.00}. The billing cycle was closed 4 days later and the due date listed was XX/XX/2016. I called the bank and they refused to change the due date. Is it legal to have the due date less than 30 days from the purchase date? Normally the billing cycle would be 30 days, not 4 days.

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 2015-10-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am unable to access my eBay MasterCard credit card account online. I have called multiple times to PayPal and eBay to get help and am transferred to multiple operators and back and forth to eBay and PayPal without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I previously contacted Barclay Bank regarding inaccurate information listed on my credit report. In XXXX of 2014, I spoke with XXXX at extension XXXX. She informed me that I had a balance of {$200.00}, and that the balance could be settled for {$100.00}. I asked her for the full account number, and she informed me that it was XXXX. I informed her that this is not the account number that Barclay has listed on my credit report, which is XXXX. I called a couple of weeks later and spoke to a representative named XXXX. She informed me that the inaccurate account would be deleted from my credit report. It was not deleted, so I filed a complaint with the XXXX. I received a correspondence from XXXX with the office of the president who validated the account listed on my credit report. I filed another dispute with the consumer financial protection bureau, and XXXX again responded, stating that the account listed on my credit report was accurate and that they would not correct or delete the invalid account number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
My XXXX payment was due XXXX XXXX of XXXX. I paid on XXXX XXXX. Then I paid on XXXX XXXX XXXX for my XXXX XXXX bill. I received my next statement and I still owe XXXX for XXXX. At first, I thought the statement just came out before my payment showed, but looking at the statement the XXXX is on there. The rep told me that I had to pay after XXXX. I said, " so you are telling me I only have 3 days to pay my bill or it does n't count, " and she said yes. She said she would check with a supervisor and she said the supervisor said I would still have to make an additional XXXX. Once my XXXX payment was met and it was after the due date any funds sent to the company should have paid my next bill. I told her I would be filling a complaint.

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 2016-04-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
TJ Maxx serviced by Syncroney bank just put a negative result on my credit report stating that my account was delinquent and they had closed it. I have been negotiating with them for a long time they posted a XXXX XXXX from North Carolina charge on my account for over XXXX I told them this as not my charge and I lived in XXXX not XXXX. I asked for a detailed account statement and I do not owe them anything I should get an attorney because they have damaged my credit and I am not a happy camper

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 2015-08-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened an account with Care Credit to manage high medical bills like dental procedures, etc. My understanding was that if I paid in full each separate charge within 12 months, I would not be charged any interest. I 've been paying $ XXXX/month and thought that the entire balance was close to being paid in full. I was in shock when I saw that {$650.00} in interest had been added to my balance. Some research indicated that CFBP has ordered a {$34.00} million refund to Care Credit Card holders just for this reason, deceptive enrollment. The bank was GE then. It is now Synchrony Bank.

Company response to consumer: Closed with monetary relief