vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX. 's ( XXXX ) Attorney XXXX XXXX XXXX ( XXXX ) filed an affidavit in federal court pleadings, exposing my social security number today, along with my DOB and Texas Drivers License Number. I spent {$220.00} with a credit monitoring agency and food to work late on this. I missed my home cooked meal because of this. Is this just the start or does it end here. Anyone can see my social security number in cause no. XXXX on the pacer.gov website. Earlier today before all this happened I had called Capital One and asked to speak with XXXX XXXX who welcomes my questions or concerns and gave me number XXXX. But in reality the people who answer the phone never let you talk to XXXX and they just say you have to call the attorney. So it seems that XXXX is their agent in all the matters before us, in our common law, they are responsible for their agents. So when I call them tomorrow to ask them about their agent, who released all of my sensitive data out for everyone to see, are they going to tell me to call their agent XXXX, or are they going to talk to me? Who gave XXXX my social security number? Who is responsible for the breach?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
I called into the company and gave nothing but my name told them I had called in recently and was attempting to find out how many accounts the company had for me. The representative who answered did not ask a single question to verify I was who I said I was, but she released my full name, who the account was with, and how much it was. This was a clear violation of my personal information. I then requested a supervisor to ask what the company 's verification process for protecting clients he as well released my full name, who the account is with and how much it is without any sort of verification either. The way this account has been handled has been absolutely horrible and makes me wonder if the fraud issues I 've had have stemmed from this company. If it was n't actually me calling in I have no doubt that someone would have my full name and the information associated to the account in collections. Upon attempting to reach the company prior to filling this complaint they have hung up on me three times when asking for a manager to settle this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
i closed a master card account, financed through rci barclay 's bank usa, on XXXX XXXX, XXXX the account was paid in full. i just received a billing this month for XXXX the reason i closed the account was spurious billings of this type. i just called the bank complaint number and received an unsatisfactory response. the phone call was ended pre-emptorialy without resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: MNE Services, Inc
State: IL

Complaint narrative:
Ameriloan XXXX made me pay XXXX on a XXXX loan an overpayment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I purchased a homeowner 's warranty using my BarclayCard XXXX. When I attempted to make a claim against the warranty for a broken washing machine. After two weeks of phone calls and telephone calls to the company, XXXX XXXX XXXX has yet to repair or replace the covered appliance. As a result I submitted in writing a demand for the full refund of the purchase price for the warranty be credited back to the credit card I used to purchase the warranty. To date there has been nor response. I contacted BarclayCard and submitted a dispute for the full. I also faxed over the requested documentation the needed. After 11 phone calls to customer service, my account has yet to reflect the provisional credit amount which means BarclayCard is still charging me interest on that amount. When I call they refuse to allow me to speak directly with the person handling the dispute and have claimed that someone will call me within 48 hrs.

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 2015-04-23 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I regularly use PayPal services to pay for XXXX purchases. When you are checking out with PayPal to purchase the XXXX item, you are given choices of how to pay, such as credit card or from your bank account. For credit card, you have the choice of a credit card you previously had or, PayPal offers its own. PayPal makes its own card the default payment mechanism, which I resent and am well aware of. I never asked for a PayPal credit card. I have never wanted a PayPal credit card. I have never received a PayPal credit card. I have never activated a PayLap credit card. I have never used a PayPal credit card. In short, I have never wanted anything to do with PayPal credit cards. Yet, a few months ago I received a purported credit card bill from PayPal with alleged charges. I immediately called PayPal and informed them of the above and that the charges were fraudulent. I have continued to receive PayPal credit card bills, through Synchrony Bank, XXXX. XXXX XXXX, XXXX Florida XXXX. These bills have been adding steep interest and other fees on top of the original fraudulent charges. When I received the last bill, I called Synchrony bank and informed them the charges were fraudulent and the interest charges unjustified. I informed them I would not pay either. Yet, I continue to receive new bills. I am sure at some point they will turn the bill over to a bill collector and try to ruin my credit. Please begin an investigation into this matter and order PayPal and Synchrony bank to expunge all charges, delete forever a credit card I never asked for, and order them to agree not to pass on any information about this to either a bill collector or a credit rating agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I filed bankruptcy XX/XX/XXXX listing XXXX as a creditor whom failed to show for the hearing. I also disputed this debt on my credit report with XXXX and it was removed only to now be relisted as of XX/XX/XXXX. This is a violation to myself and under the Consumer debt relief act under the Federal Law. I want this to be removed as I am asking in good faith that Convergent Outsourcing Inc . Attempting to deface my attempt to move on and get my credit back on track to keep from having to file a legal suit that they would place this back on my credit with a new debtors date for an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX has been calling me since last year regarding an account I had with Synchrony Bank/ Care Credit XXXX I 'm trying to purchase a house next year and want to straighten my credit out so I decided to make an agreement. I originally agreed to make 3 payments of {$590.00} to settle the account. After the 2nd payment was made I did some research, called XXXX and told them to cease anymore withdrawals from my account. I called XXXX on XXXX XXXX and Paid {$30.00} to stop the payment just in case they tried to take my money. After doing some extensive research I found over XXXX complaints about this company and their bad practices. I called them up and they stated to me " Your account is closed and we will cease reporting ''. I then asked why would they not report that I paid them so that this will show the bureaus that I 've settled the account and he had no answer. I then called XXXX and they stated that I am listed in good standing with that old account, which does do n't show up as derogatory. They also told me that XXXX is n't even on my report. I then pulled all XXXX credit reports and XXXX is nowhere to be found, which means the 2 previous payments were not updated with the credit bureaus. They basically conned me out of {$1700.00} that I really could not afford. The last payment that I asked them not to take out caused my account to go into the negative. This company has been fined for over XXXX dollars due to their bad practices and taking advantage of people. I would like to get my money back if possible.

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 2016-11-30 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: MI

Complaint narrative:
A billing error occurred with XXXX XXXX. They were supposed to credit my account and did not. My account was sent to " collections ''. 

I received a mailed notice from Convergent Outsourcing stating that the notice was sent from a collection agency. 

My home received 15 hangup phone calls with no message left. My wife returned the call, concerned that there was some sort of issue. The man who answered the number stated that they were trying to contact me regarding a debt, but were NOT a collection agency. Thus, he lied to my wife. 

I spoke with a representative at Convergent Outsourcing who stated that their company policy is not to leave messages because they do not know if the number is correct. This is an admission that they call numbers they do not know to belong to the party involved. Further, they also stated that they are not a collecting a debt and that this is in " pre-collections ''. This is another lie as the letter I received states " This is an attempt to collect a debt ... ''. 

Lastly, The letter is from Convergent Outsourcing with an address in XXXX, WA. However, the return address is from XXXX with an address at a XXXX XXXX XXXX XXXX, MI. A third party is being used to attempt to collect this debt, which I believe to be in violation of the FDCPA. 

In the end, I spoke directly with XXXX XXXX and they apologies for not applying the credit appropriately and have rectified the issue. I am, however, livid with Convergent for spamming my house with calls ( with no message ), lying to my wife, lying to me, and using third parties to send notices and place calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Southern Fidelity Mortgage
State: NV

Complaint narrative:
I had tried to secure a mortgage loan from southern Fidelity Mortgage. I found a house that I liked and we proceeded with the loan approval process. I told them that my credit was n't very good and I told them I had collections. She told me they would either just deny the loan or ask me to pay the collections. Well later they told me the loan was approved but that I needed to pay off the collections. Well I told her I would have a tough time raising the down payment money and closing cost if they needed that paid off. Well they told me that if I backed out now I would lose my earnest money because the loan was approved. Not the original loan but the one they came up with all these conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 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 Finance. XXXX XXXX. {$290.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 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: TX

Complaint narrative:
I received a notice from Convergent Outsourciong, Inc. over an over drafter account I had 9 years ago that was charged off by the bank, now they have listed an updated activity date on my credit report thais untrue. the debt is no longer collectable, and was written off by the bank almost a decade ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Harvard Collections, LLC
State: OH

Complaint narrative:
Company failed to provide me with detailed billing and statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 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 Finance. XXXX XXXX. {$94.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
In late XXXX of 2015 I received a letter from CMRE Financial Services regarding a delinquent medical account that I was unaware of. In early XXXX 2015 I made a payment in full to CMRE to satisfy the delinquent account. One week later, without having received any warning, a delinquency was noted on my credit report by CMRE. I made a phone call to CMRE, the first time I have ever talked to anyone at that company about this account, where a woman stated that they had been trying to contact me since XXXX 2015 and that is why they put the delinquency on my credit report, even though it had been paid. 

Since no one from CMRE made any attempt to contact me, I was never informed of any possibility of a deragatory mark on my credit report, and the fact that this balance was paid prior to CMRE reporting the derogatory mark, not only is this unfair but it is a clear violation of the law and my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Beginning on XXXX XXXX, ( 3 days ago ), I began receiving " robo-calls '' from phone number XXXX. A recording begins, identifying the caller as " XXXX XXXX '' and stating that he 's contacting me about " an important legal matter '', and that I should press 1 to be connected to a representative. I believe this is a shady collection agency scam, since no reputable company would fail to identify itself and attempt to imply that it had " legal matters '' to discuss, in this manner. Years ago, I had used payday loans, and this reminds me of the collection tactics that were employed by those firms. I do n't owe anyone money and I 'm getting tired of this harassment. They are calling my cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Designed Receivables is reporting debt that were discharged in Bankruptcy. Also, I paid XXXX bills, and they said that they would Keep reporting them as unpaid until ALL the bills were paid. And I do n't even know if I truly owe them. I have great insurance through XXXX XXXX, and I do n't believe that I owe them so many bills. They are single-handedly ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 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:
This debt from my XXXX and according to the insurance they all paid as they received. ( XXXX, XXXX, XXXX, XXXX and XXXX bills.

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 2015-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
A " XXXX '' phones and asks for XXXX XXXX, my fiance 's son, who does not live here. She wo n't give me the name of the company or a phone number or discuss what she wants and hangs up when questioned about anything. I have nothing to do with this and consider it harassment. I XXXX the phone call and am put on a repeating hold message with no company name given.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 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: Convergent Resources, Inc.
State: WA

Complaint narrative:
on XXXX XXXX 2016 I was contacted by convergent collections. They indicated to me that I owed XXXX the amount of {$100.00} for a modem XXXX claims I never returned. Knowing that XXXX is an unscrupulous Company and having never dealt with a collection agency before I responded by immediately writing a check for the amount of {$100.00} and mailing it to XXXX PO Box . This amount was withdrawn from my checking account on XXXX XXXX 2016 by XXXX. I have requested and received a photo copy of the cashed check which has XXXX XXXX 's endorsement on the back of the check and the confirmation number XXXX. After repeatedly notifying XXXX and convergent collections that I have paid my balance, they refuse to acknowledge receipt of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I have a secured credit card with USAA. Secured by a Certificate of Deposit for {$3000.00}. For the past three months when attempting to pay on my account I have learned that even though the credit card account is secured, if I pay the the balance in full utilizing XXXX different checking accounts, the payments will be held for an additional 7 or eight days. I paid {$840.00} on XXXX XXXX, 2016, that payment was placed on a 7 to 8 day hold. I made another payment on XXXX XXXX for another {$800.00} plus and that payment is now on hold for XXXX to 8 days. 
When I first started to notice this happening I called and was told that one of payments was returned and that was the reason, the payments were being put on hold. I was also told that was to be for 3 months. Even though the credit is secured by a CD. 
Then I have an unsecured credit card and pay it the very same way and the payments are applied immediately to the account even though the payments may or may not be paid by XXXX different accounts. 
This is a major concern to me because we expected USAA to be Veteran friendly as it advertises. In addition, we have home owners insurance, flood insurance and vehicle insurance with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I deposited a check into a XXXX Atm. For the last two days when I logged in the hole was scheduled to release on XX/XX/XXXX. On XX/XX/XXXX, XXXX changed the hold to XX/XX/XXXX. When I called to find out why a Sr.Rep lied and said the check would n't clear until XX/XX/XXXX. The check is from an employer insurance plan and I had already spoke to them and thy said there was no issue with the check. The rep lied to justify changing the hold date of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
In XX/XX/XXXX I bought a house. I do not speak English ( someone is helping me right now ). The house needed work but I was told by seller and the person working with the seller that it will be finished. However I was guaranteed that the certificate of occupancy was fine and they will finish while I lived there. The seller bought the house in XX/XX/XXXX for {$48000.00}, and sold it to me one year later for {$300000.00}. There was no realtor, and no attorney. The person working with the seller was XXXX XXXX. He plead guilty of a XXXX mortgage fraud in XX/XX/XXXX. He filled all my mortgage documents, he also applied for my loan. I have a video recording of me speaking with him, as well as an online chat in XXXX regarding my mortgage. He guide me through the whole process and I thought he was helping me. At the end it was a scam and the house was unlivable. The appraisal was never done. I have requested a copy and the lender can not find it. I am sure that the seller and XXXX XXXX made it all up with help with the lender. It took me 3 months to fix the house and get permits to be allowed to live there by the city. I had to take loans for {$15000.00} to pay as well as paying my rent. I was unable to pay my mortgage. Now I am in foreclosure. I can pay my mortgage, but the lender will not let me apply for a modification. I was taken advantage off. I want to stay in the house. I can pay my loan. All I need a fair chance for a modification.

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