vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-04 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:
They call every hour 7 days a week

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
My XXXX Extras Mastercard was maxed out and I was unable to make payments due to a short period of having little work being self employed at the time. ( Before this time I always made my payments on time and was able to get my card paid down ). I called XXXX and shut the card down at which point they lowered the interest rate so that I could get the card paid down. Everything was going well and after a period of time they sent me a letter saying that our payment agreement and interest agreement was up and that my interest rate would again rise to 18.24 percent. I have been calling to try and speak with someone about this but they just keep transferring me to another number where I go through the same thing. They are giving me the run around and avoiding speaking to me. They keep telling me they are sorry and will connect me to someone who can help and give me numbers to call but I can never get a hold of anyone that says they can help and the numbers they give me are just another number to the main automated payment number. At this rate I will never be able to pay this card off. Interest accounts for XXXX of my payments. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received a phone call at XXXX from XXXX at XXXX XXXX regarding my dispute with XXXX XXXX XXXX for {$2900.00}. He stated that due to my signing a XXXX XXXX with XXXX XXXX XXXX in which they were supposed to reimburse me {$2900.00} via certified which I never received they could not help me. Please be advised I did not receive the monies specified. Which has brought me to this point. My credit card company states they will not refund my money, I actually sent them documented proof that I did not receive the checks. In their responses they provided a contract which I admitted to signing and checks that have never been cashed, which proves nothing. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have ONE YEAR to file a non-billing error type dispute. Every other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company they should open the investigation and issue a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I recently applied for and received a Barclay credit card. I have been using the card and paying, never late with any issues. This card currently has a XXXX balance. I was shopping for a new computer and happened to be on the XXXX website. I decided to apply for credit to complete my purchase, my application was declined. A few days later, I received a letter in the mail from Barclay card stating they we 're unable to approve my application due to a past charged off account, they also informed me that they did n't run my credit to make this decision. I feel that they extended credit previously with the open credit card I have and that they made an error by denying me credit without reviewing my current credit history, instead they judged me on something from almost 10 years ago. This in an unfair denial of credit from this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Pulled credit report without permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2016, I called synchrony bank responding to a settlement offer. At this time I was advised that I was approved as a settlement of XXXX broken into 3 payments in the amount of {$76.00}, due XX/XX/2016, {$76.00} due XX/XX/2016 and a final payment of {$78.00}, due XX/XX/2016. My first payment cleared without any problems, however my second payment was not deducted out of my account as advised. I called synchrony bank and was advised that my payments were not set up this way. The representative apologized and set the payment up to be deducted and then I requested to speak to a supervisor to ensure that the settlement offer was still going to stand. I was put on the phone with XXXX and advised that a complaint was being entered on my behalf. My complaint number is XXXX. I was advised this complaint will show that I was advised that payments would come out of my account automatically. I was advised to call back two days after the payment posted to ensure that my account was still in the settlement department. The payment was made XX/XX/2016. I was also advised to set up the third payment at which time I asked whether the settlement would still stand. I was given a vague and and informed that I did n't want to make the payment if synchrony was not going to honor the agreement. The third payment was dudcted from my account on XX/XX/2016 automatically. When I called in to inquiry about my settlement letter, I was informed that the account had been charged off and settlement was defaulted on XX/XX/2016, 7 days previous to the last payment. Synchrony voided the arrangements which in turn they should not have been collecting any further monies from me on an agreement they voided and they did on XX/XX/2016. I was advised that there was notification mailed to me. The supervisor XXXX said their was nothing she could do and would update the complaint number listed above. I was told to wait another 45 days for a resolution to be made when one had already been made on XX/XX/2016 when I was considered in default over ther error and reported to the credit bureau as a charge off.

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 2015-08-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
My wife and I submitted payment for and were accepted to " Sams Club '' of the Walmart Company. As a part of this membership we were issued membership cards. We also were given a line of credit for Sams Club through Synchrony Bank, XXXX. XXXX XXXX, XXXX FL. 

We have never used this card for any charges anywhere. But soon after getting the card we received a bill with charges on it and several notifications of potential fraud from Synchrony Bank. 

We called Synchrony Bank, the local Sams Club store, and Walmart XXXX, and demanded the closing of the credit account. As directed, we went to the local store and turned in our cards and were issued new cards without the credit charge ability. 

After this we received another fraud notification, and then a third. 
Today I called Synchrony bank and informed them that the latest charges were indeed fraudulent and again demanded closure of the account, they refused to do anything unless I provided them with even more personal data. 

I refused to provide the data since this bank has already proven their inability to secure the information already in their possession, and the fact that they have already promised and failed to close an account that has been compromised and to which I no longer have any access.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
My personal information was compromised by an employee of the company ; received undesired text messages from customer service representative ; placed a complaint was n't contacted in regards to a resolution or outcome. All my personal information is on file and I feel uncomfortable with this company 's business procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
My XXXX credit report shows the following under the SYNCHRONY BANK/JCPENNEY : " Account in dispute under Fair Credit Billing Act. '' I am not in dispute with JC PENNEY. Please explain what this means.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX, my employer received a call from a man who identified himself as XXXX with the XXXX XXXX PROCESSORS OFFICE.. XXXX XXXX XXXX XXXX XXXX, FL ) XXXX This call was recorded ) caller # was XXXX/California XXXX, he ask what the companies policy was on employees being served on there job, then provided a CASE # XXXX and # for me to call back to the Administrator of the file XXXXgiving Third party discloser to my employer **** -- -- -- -- -- -- -- -- -- -- On XXXX/XXXX/XXXX - When I returned to work and was provided with this information I returned the call XXXX and spoke withXXXX XXXX with XXXX @ XXXX, He did not provide Mini Miranda, and did not identify himself as a debt collector, however told me I had a pending Civil Case against me? I ask am I being sued, he said yes! He said they sent me papers to process services in my local jurisdiction? I ask for the documents to be faxed to me, he said no they are out for process service, and the next thing I receive will be a summons? XXXX This company will not provide me anything in writing which I have ask repeatably by fax/mail ... I ask what the charge off date was and was told XXXX, however this is a old Juniper Bank Visa sold to Barclays Bank and charged off in XXXX XXXX well beyond any statue of limitation XXXX where I currently live ) I called Barclays bank they sold the account to a debt buyer in XXXX. I can not find anything on this company they claim to be XXXX out of California.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 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: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
Sent request for verification. Never received information back. But received notice that they were going to put this on my credit report.

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 2017-01-01 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: MS

Complaint narrative:
I recently received a letter from convergent outsourcing an outside debt collection agency for XXXX. I do n't owe any such debt to this collection agency nor XXXX..You will also see attached documents of this alleged been sold to XXXX different collection agencies within a XXXX day period. Convergent sent a settlement offer and the company a demand for balance in full or they would report a negative mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I submitted XXXX verifications of debit request to debt collector without a response. They are still reporting to Credit Agencies and I have submitted claims to those agencies. XXXX is investigating the claim at this time. The other XXXX agencies has removed the claim. I would like the agency to remove the debt and to cease and desist all collection activity on this debt as it has not been validated. Remove all remarks from credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Optimum Outcomes, Inc.
State: IL

Complaint narrative:
Debt has not been verified, no contract or signature provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
The company has failed to remove the credit information being reported to multiple Credit agency 's. The information they areProviding g to the agency 's is inaccurate. They failed to provide proof of debit, dates of debit, and bankruptcy discharge information ect. I have had no account with XXXX for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX, XXXX Dear Investigation Unit, The purpose of my letter is to request assistance as my rights as a consumer have been violated by CMRE agency. I have communicated with this organization and have made payments towards a medical debt that I have with XXXX XXXX Hospital in XXXX IL. 

The original balance of {$250.00} was for my deductible after being hospitalized. I have been making monthly payments on this account. Most recent payments made were on XXXX/XXXX/XXXX in the amount of {$50.00}, next payment made was on XXXX/XXXX/XXXX in the amount of {$50.00} the statement date for the payment was XXXX/XXXX/XXXX .There were payment made prior to the hospital before the account was turned over to the collection agency. 

When CMRE agency received the account, they stopped sending statement and place the debt on my credit report. I have received no other communication on this account to continue to make payment. 

This is a violation of the fair debt collection laws. As a consumer, I have received any calls or billing statements to make me aware that there is an outstanding debt owed is agency. When contacting the agency I spoke with a representative name XXXX XXXX ext. XXXX, she stated that I have another outstanding debt with them in the amount of {$480.00}. There has been no communication regarding any outstanding debt from any organization. 

I 'm requesting your assistance to have these accounts removed from my credit report. This is a fraudulent practice on the behalf of CRME refusing to communicate with a consumer that a debt is owed. As a consumer, I have the right to be given an opportunity to pay my debt by being notified via communication either by phone or by mail. Rather than just applying a judgment on a consumer 's, credit report. It is because of companies like this that American if in the financial distress. 

I 'm deputing their fraudulent practices and requesting assistance. 

Sincerely,

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 2016-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Telerecovery Corporation
State: GA

Complaint narrative:
This account do not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I received a letter from this company stating that I owe then a debt. To my knowledge I have never done business with this company and nor have they ever provided services for me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from CONVERGENT OUTSOURCING 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 CONVERGENT OUTSOURCING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
I am not responsible for this bill. This bill is from XXXX and I never go there is always go to XXXX hospital. When I had my kids I went to XXXX. So I 'm not sure how they even got my information. And if I took my kids there which I do n't recall they had XXXX that paid they bill. I will like for this bill to be closed and deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 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: GA

Complaint narrative:
Collection agency is listed on my credit report for a cable bill I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I informed them i will make payments on the matter but they keep calling 5 to 6 times a day

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 2015-12-17 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: VA

Complaint narrative:
I have been paying monthly to XXXX on a closed account however they sent me to collection agency anyway. I have not even received a bill from collection agency as of yet to even have info to send a payment and just paid {$100.00} to XXXX in XXXX. This collection agency calls me XXXX times a day using various numbers. I have spoken to them advised I had been paying an amount each month that I could afford although I am out of work due to illness. Agent advised the amount I was paying was not enough and they would continue to aggressively seek a higher amount. I 've asked they stop calling because I was aware and paying what I could. They advised they would continue to call everyday until I set up a payment plan that was significantly higher than what I can afford at this moment!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
The original debtor XXXX has already collected full payment of this debt in the amount of {$750.00}. During a conferenced call on XX/XX/2017 Diversified Consultants, Inc. debt collection agency acknowledged receipt of full payment however ; they refused to remove it off of my credit report and provide a letter stating that the account has been paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2015 XXXX from Advance America called my job and left a message at around XXXX. I returned his call, from my personal cell phone, at XXXX to inform him that calling me at my employer is no longer acceptable. He said he understands. 

On XXXX XXXX, 2015 at XXXX XXXX from Advance America called my job, this time I answered. I told him that I can not speak about this over the phone. I returned his call at XXXX from my personal cell phone and reminded him that it is no acceptable to call my job phone. He said that he was never told that. 

Today, XXXX XXXX, 2015 I will be sending a letter explicitly stating that my job can not be contacted about this loan. I do not have a personal work phone ; it is shared by many people. I will include the above scenario for his understanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Diversified has called my office on multiple occasions from different numbers attempting to collect a debt from someone not associated with this office or myself. 

XXXX XXXX We 've asked them to stop calling but they continue and I feel as if they are violating the FDCPA. 

Can you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 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: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I had an account with comcast. I was moving from XXXX to XXXX. I called XXXX to let them know and I needed to suspend service and when I have my new address i will reinstate. They told me OK, XXXX XXXX, not a problem. This happens all the time. 

about a month later, I moved into my apartment and called up comcast and they would not give me service. They said I had to pay almost {$900.00} for a broken contract and there is no record of me having service transferred.

Company response to consumer: Closed with explanation