vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-21 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: TX

Complaint narrative:
I opened an account with XXXX Bank ( they are not even in Business anymore, they were sold to XXXX Bank years ago ) in the mid XX/XX/XXXX. I defaulted on that credit card in XX/XX/XXXX and the debt was sold to XXXX. I know this because of the statement I have now received from Convergent to collect this debt. They list XXXX as the creditor. I have not had any transactions on this account since XX/XX/XXXX. In Texas, you can not collect on a credit card after 4 years. I do not want Convergent adding themselves to my credit report 15 years after this debt was defaulted on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
Was contact by collection agency debt was going to collections, I called XXXX on XXXX XXXX, 2016 and paid debt in full. She stated she would notify the collection agency. Did clear the bank without any problems. Noticed on XXXX XXXX, 2016 collection agency had posted negatively on my credit report. Called agency to notify them that the bill had been paid. Response was " too bad, it 's on your credit for 7 years ''. The gentleman on the phone was verbally hateful and stated I had to give them {$600.00}. Asked them to call and verify with original company that debt was paid in full or to give me a fax number as I did not have paperwork with me. Originally, he asked me to fax verification but then refused to give name or fax number. Have placed called to original company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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:
Convergent outsourcing reporting on my credit report that i owe them. First of all, i never had any contract with them i never signed anything sgreeing to pay them i never received any communication from them at all. You cant drop a name in the hat and just assume especially with a common name like mines. The debt is.not mines and they need to remove it immediately. I have no written signed contract with this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: GA

Complaint narrative:
In 2013 I spoke with a colection agency regarding a {$150.00} amount debt that was owed to XXXX. I scheduled a payment and it was processed and paid that same month. Now, 4 years later I am receiving calls regarding this same debt. We informed the agency twice on the phone that we have already paid the debt in question. We have now received a letter informing us that a lack of information renders them unable to complete the investigation of the issue and that we need to provide them with proof of our pervious payment. I do not believe the burden is on us to provide this information and have asked several times for them to cease communication regarding this paid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jvs group
State: TX

Complaint narrative:
XX/XX/2016 I sent a letter form to JVS Group requesting information about a debt that was on my credit accounts. I requested information regarding the alleged charges, who authorized them to collect, amount allegedly owed by me. I did not receive the requested information to this date of writing. However I did receive a very rude and obnoxious letter from them telling me not to contact them again and they sent out the verified information, which is incorrect. I have not received the information that I requested from them. I will attach the letter I received from this company along with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 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: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XXXX sent XXXX items ( broken coffee cup ... XXXX pendant ) to our address. WE DID NOT PLACE ORDER for these items. They continued to harass us with letters and then sent after one year to collection agency Sunrise Credit Services. We did not order these items..they can not prove it.. and need to show us written proof which I know they ca n't. They continue to harass and threaten. Amt. is for {$64.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14 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: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
I owed XXXX XXXX XXXX XXXX a balance on my service I had with them because I canceled my service early. They turn the account over to a debt collection company which was XXXX XXXX, XXXX XXXX. They agreed to a settlement with me and I paid the full balance of the settlement. Three months later I received a notice of my credit report of a collection account on my credit report. it was from Sunrise Credit Service stating that I owe XXXX dollars on the same account from XXXX XXXX XXXX. I contacted Sunrise Credit Service and explained I had already settle and paid off the account and sent them a letter from XXXX XXXX stating that the account was paid off in full on XXXX/XXXX/2016. the company responded they refuse to acknowledge the fact I paid the account in full and they are still reporting this on my credit report. They are trying to get me to repay a debt that has already been paid. XXXX XXXX XXXX when I called them only refers me back to the debt collection company. I need CFPB to address as this is has had a detrimental effect on my credit rating and its inaccurate information.

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 2016-04-26 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: MN

Complaint narrative:
We switched carriers from XXXX to XXXX in XXXX 2016 due to excessive unresolved issues with XXXX. XXXX was offering a deal of paying up to " x '' amount of monies owed to previous carriers if signing a new contract with them. We took advantage of this deal to get out of our XXXX contract. With that said, we are now waiting for XXXX to send us our monies owed to pay off XXXX, which we have stressed to XXXX on multiple accounts. Our XXXX account was then bought by a debt collection agency Convergent who calls us multiple times daily. They call my husband multiple times through out a day and after so many calls, they switch to my phone number. Today, specifically, I made them aware that after calling my husband FOUR times before XXXX XXXX, and then calling my phone they are harassing us, in result of violating our rights per the Fair Debt Collection Practices Act ( FDCPA ) We have asked repeatedly to withhold further contact until XXXX has resolved this issue, and they still have n't let up. Today the representative told me my husband is lying, that they have NOT called his phone number, when in fact our phone records show that they have. I informed them I will be filing a complaint with CFPB as every single time I speak with them, they are rude and pushy. It has become excessive, annoying and beyond unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am writing as a loyal Amazon Prime customer to voice my concern about the use of Synchrony Bank for Amazon Prime Store Card. I know I am one of many, many, many millions of Amazon Prime customers but I feel it is important to express my disappointment in Synchrony Bank and if it is a common compliant from Amazon Prime loyalists, maybe a change could take place in the future. 

I have struggled over the last years to get my financial life back on track and am now heading in the right direction. I recently paid off my Amazon Prime Store Card balance. Prior to totally paying it off I never missed an monthly automatic payment. After paying off the card, I wanted to take advantage of my Smile Amazon to buy some holiday gifts, give to my charity designation and use the Amazon Prime Store Card for the cash back option based on the amount you spend. It was at that point that I learned Synchrony Bank had dropped my credit limit from {$800.00} to {$100.00} ( TO DATE, I still have not received a letter about this and as of my XXXX statement I still had an {$800.00} limit ). 

I called to voice my confusion to Synchrony Bank and after finally getting through to an American based manager ( it took a bit as the XXXX based telephone consultant kept saying " I am so sorry for your concern '' but would not connect me to anyone ). The manager informed me that Synchrony Bank runs regular credit checks ( every six months ) and she went on to list my credit rating and why my poor credit history caused my credit limit to be dropped ( very condescending in tone ). I asked if I had ever missed a payment with Synchrony Bank Amazon Prime Store Card and now that my balance was {$XXXX}, why would the Bank do that? She informed me it had nothing to do with my good payment history with the Bank or my XXXX. I went on and checked my credit score tracker and because of Synchrony Bank dropping my credit limit, I went down XXXX points on my credit score due to a " decrease in available credit '' from Synchrony Bank. So as hard as I had been working to increase my score over the last six months, it was ruined in one moment and I have less available credit for my Amazon purchases for the holidays. 

Sorry for this long email but I had to express my frustration and wondering if this has happened to other Amazon Prime Store Card holders. I certainly understand if the Bank does n't extend more credit but dropping the credit limit seems unjustified.

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 2015-11-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I lost my job at the beginning of this month. My bill with Conn 's was due on the XXXX. I do n't have the money. I 've received XXXX phone calls this week. XXXX of them TODAY. I have spoken to XXXX different people in total. I made them aware last week that I could not pay and can not make payment arrangements as I have no guaranteed income at this time. Today I was informed they will continue to call me until I pay them. That there is no limit to how many times a day they can and will call me. This is pure harassment. All this is doing is making an already stressful situation worse and keeping my phone tied up while I 'm trying to look for work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
The statue of limitations has expired on the debt in question XXXX it has been more than 6 years from the date of default ). Furthermore, I was not served process by personal or substitute service as required. The Plaintiff XXXX XXXX XXXX XXXX waited too long to bring this case XXXX laches ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
They have called at least 16 times from an " Unknown '' number, XXXX I asked they do not call from an unknown number, I will not share information with anyone who will not identify who they are calling from. Since the XXXX I have been contacted 11 times, XXXX they left a voicemail, XXXX they called 4 times, the fourth time I answered and asked them to stop calling. XXXX they called 3 times, the third time I answered and told them to stop calling. XXXX they called 4 times, the 4th time again I answered and had a discussion with the manager about why I was being contacted so frequently.

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 2015-07-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: USA DISCOUNTERS LTD
State: AE

Complaint narrative:
CFPB Shuts Down USA Discounters ' Servicemember Fee Scam!!!! 

I had a XXXX and electronics fro USA Discounters. Pretty much a whole house full of furniture. My concern is that for the longest time i was paying my bill with them to the day i paid it off I 'm affraid i might have been ripped off with the scam you all busted them on. Please research my account with themXXXX XXXXXXXXXXXX/XXXX/XXXXMy account was set-up back in XX/XX/XXXX and i paid everything off XX/XX/XXXX i think if my memory serves me right.

Company response to consumer: Closed
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
I am currently in default with Synchrony Bank. I am well aware of the fact that collection calls are to be expected. Unfortunately, I recently started receiving calls & voicemails on my work phone. On one particular occasion the receptionist was told that they were calling in regard to a 'personal matter '. I worry that these types of calls will be noticed by my employers and could potentially result in problems at work.

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 2015-06-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am in the process of going through XXXX XXXX XXXX to pay my debt that I have accrued over the past couple of years. They have set up a payment plan that will help me get out of debt in the next few years. I have been receiving calls from Synchrony Bank at my work number when they have my cell phone number as well. From what I understand it is illegal to call a person at work. They have done this repeatedly and sometimes they do n't even say anything and I can tell it is them because my office phone has caller ID. I have contacted XXXX them this and they gave me your website should Synchrony Bank continue to call my office phone. I was instructed XXXX to not take the call and give them their number and I have done so and they still continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Barclaycard posted my payment to the wrong credit card XX/XX/2016. Subsequently, I have logged over XXXX phone calls totaling more than 29 hours to resolved this issue. Unfortunately, they posted the credit card payment to a business account. The credit card side and the business side are distinct entities who can not communicate to resolve the problem created by posting the payment to the wrong account. Barclaycard has reposted the payment to the wrong account several times subsequent to the initial mistake while charging me interest and penalties indicating that I had not pay the amount. I have been told my manager after manager that the problem was solved. Today I have spent more than one hour again because Barclaycard is attempting to recollect {$1000.00} that was previously paid. Today I was told by the manager that Barclaycard " did not have the time and resources to review all three affected credit card accounts nor the hours of phone calls logged. ''

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 2017-01-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Mercedes-Benz Financial will not provide a lien release. On XXXX XXXX I purchase a used vehicle from XXXX XXXX that had a lease balance of {$42000.00}. I got a loan from the XXXX XXXX XXXX XXXX for {$30000.00} and paid cash of {$12000.00}. The XXXX made their check payable to me and to XXXX XXXX, and we were instructed to endorse the back and forward it to Mercedes-Benz Financial along with my cashier 's check for {$12000.00}. Mercedes confirms receiving the funds, posting date XXXX XXXX, XXXX. 
My DMV registration is incomplete because I did n't get the lien release from XXXX XXXX Co. I contacted Mercedes-Benz on XXXX XXXX, XXXX, and was told that they did receive the payoff funds but it had not been applied to the Lease payoff, and that XXXX XXXX would receive the release in about a week. Today, XXXX XXXX, Mercedes-Benz Financial Services says that they applied the {$12000.00} check to XXXX XXXX account, but that they will be sending back the {$30000.00} check to XXXX XXXX in 30 days because the payee is n't correct. However, they accepted the funds and have had benefit of them since XXXX XXXX. Needless to say, I have begun making monthly payments on the XXXX XXXX XXXX. loan. Also, If they send the funds back to XXXX Fed now who knows where it will get applied. If it pays off my new auto loan, I may not be able to get a new loan with the same terms. I want Mercedes-Benz to keep the funds that they have acknowledged depositing and release the lien. Currently, this vehicle has a loan and a lease concurrently. Also, if they feel that there was a problem with the check from XXXX XXXX it should not take 90 days to decide this. If I would have know, I could have gone back to the Credit Union and asked them to change the payee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been totally hassled by the Gap Card credit card company 's Synchrony Bank. They called LITERALLY XXXX times, beginning at XXXX ON A SATURDAY, and then the calls continued throughout the week. They were instructed not to call back, and that payment was going to be made as soon as possible. I was barely late on XXXX payment, quickly got the account current directly thereafter, not even showing that I was late online. THEY STILL KEPT CALLING. Then, they called AFTER I made a payment, asking for a confirmation number for the payment THEY COULD SEE. Total harrassment. A total of XXXX calls from them IN LESS THAN ONE WEEK.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-11 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX, I was " sold '' a medical line of credit by my dentist called " Care Credit ''. The line of credit was for a dental procedure for my XXXX children. This was the only charge ever on this account. It was opened specifically for this procedure. I was told that the credit was interest-free for 12 months. I have paid the full, original charge. Today, XX/XX/XXXX, I was notified via email of a {$9.00} late payment. I called the credit card company, now called Synchrony Bank, and ask them why I was late? According to them, I still owe XXXX {$300.00}. As it turns out, my card is not actually interest free for the first twelve months, but interest deferred. Therefore, I am now paying the accrued interest for the first 12 months at almost 30 % interest. That is the only amount I owe. I requested that they charge me interest on the portion of the monies owed to them after the initial 12 months interest-free period expired, not the original 12 months since the card was sold to me as 12 months interest free, but they refused. Every month I am emailed an invoice summary telling me just the amount that is owed and the minimum payment due. Nowhere on these emails does it show that the interest is accruing over the first 12 months and will be deferred. I also spoke to a supervisor. The supervisor told me that it is my responsibility to login to their web site XXXX as their emails do not have any information on the deferred nature of the interest ) in order to read their terms. I told her that expecting to log on to examine changes from what was sold to me is not transparent behavior. She told me that I should not have signed up for online statements because I would have otherwise seen the deferred interest accruing on the paper statement. She also called the first 12 months interest free while I was on the phone with her and then went on to say that on the XXXX month I was charged the deferred interest. I explained to her that interest free and interest deferred are XXXX different things, but she insists that what they are doing is the same as interest free. The supervisor 's name is XXXX with ID # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I signed up for a JcPenney credit card because they claimed to give you 25 % off your first purchase. I received my bill and did not receive 25 % off so i called and spoke to a supervisor, she processed a ticket, and said i will find out the status in a couple of days. I still have not received a discount for my first purchase. This was false and deceptive advertising.

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