vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was online reviewing product on Ashley Furniture I wanted to Finances the product they inform me that I can not Finance for order on line and I can not apply for Ashley Furniture XXXX Card because I not in the purchasing their product. What is their not Ashley Furniture in your city the store in XXXX sell their product but not a Ashley Furniture XXXX so is it fare to say to customer that do not have Ashley Furniture XXXX near them the can not apply for credit Card or Finance the Furniture everyone should have the same opportunity as those customer that have a Ashley Furniture XXXX in the State or Neighborhood. Please investigate Ashley Furniture Product and Service are legal and not violating all customer rights and they working the business according to United States Federal RegulationsIt 's the card that suits your style & budgetWe designed this card so you can enjoy everything Ashley Furniture XXXX has to offer, plus these benefits : Special financing availableQuick approvalConvenient payment options24/7 account accessSecure online payments & ebill statementsNo annual feeMoney-saving coupons & exclusive offersFor in-store purchases only ; card can not be used for online purchases. 
Subject to credit approval. 
Apply & use the card at these XXXX for the Ashley XXXX XXXX in store or online. Visit the nearest XXXX and a Sales Associate will happily guide you through the application process. 
Apply today for the new Ashley XXXX XXXX. 
It 's the fast and easy way to bring home the # XXXX Name in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Conn's, Inc.
State: NV

Complaint narrative:
My Identity was stolen around XXXX of 2016, I was made aware via a credit report that a XXXX line of credit with XXXX was opened. I contacted the company and they refuse to assist me. I have called multiple times. they just transfer me to the collections recovery dept. at this point. I do n't know what to do. I never opened nor requested a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
I secured a loan from Synchrony Bank on XXXX/XXXX/2015 for $ XXXXXXXXI repaid the loan in full on XXXX/XXXX/2015By mistake I paid again on XXXX/XXXX/2015I reported this overpayment of {$23000.00} on XXXX/XXXX/2015 and asked for my money backThey said they would send it within 5-15 daysThey never sent it. I 've called several times to request the money, most recently today. 
Now they are telling me I have to wait 5-15 days again!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On my credit report the creditors that are reporting late payments have been submitted under the freedom debt relief program. The companies are continuing to report negatively when they know they have been contacted by this company for a debt settlement. If you would look at my credit report before the program which I started in XX/XX/XXXX, my credit for paying bills on time was 99 %. The creditors have also been contacted not to call me and but they continue to do so anyway. So my problem is very difficult for me when I have always paid on time but to see my credit score drop drastically as like it has is devestating. It 's an unfair practice for creditors to continue negative reporting when they know the circumstances of the consumer. It 's like they are trying their best to sabotage a consumer 's credit history. It should be something done so that they would not to continue to report negative reports when they know the consumer has contacted them concerning debt relief.

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 2015-06-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Just not my account and showing under my XXXX credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On XXXX XXXX, I placed an order at Walmart.com using my fairly new Walmart credit card, issued by GE Money Bank. Weeks later, the order had not been processed, so when I inquired, a rep said the order was n't processed, and I 'd be issued a refund. I never got any confirmation, and after several more communications during which I was assured the incident would be " escalated, '' no further communication has taken place on the part of Walmart, and no refund has been issued. The charge continues to accrue interest on my account, and I have received no products, after nearly a month. The lack of communication and ability to process orders and refunds on Walmart 's part is appalling. The incident number is XXXX. Please advise on how to proceed before my credit becomes damaged my their ineptitude. Also, please note that Walmart has never once issued me any statement -- electronic or otherwise -- even after I asked in person on the phone for PAPER billing. Not a word. It appears that Walmart is neglecting to bill people, hoping that they forget to pay their bills, in order to rack up late fees and interest. That is inexcusable. Thank you greatly.

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 2016-08-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am having issues with PayPal putting a hold on the payments that I make on the PayPal Extras Mastercard everytime I pay more than the minimum due. For example, I recently paid the full statement balance of XXXX on the bill that was due on XXXX/XXXX/16. It cleared my account at XXXX XXXX XXXX on XXXX/XXXX/16 but as of today, my PayPal Mastercard shows {$0.00} credit available. The account reflects the payment I made and I have a credit line of {$2700.00} but it 's still showing I have no credit left. I called yesterday and they said they can not release the credit

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 2015-04-17 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I received a voicemail informing me that my XXXX 's MasterCard was flagged for fraud, and that there may be a hold on my account. I was instructed to call XXXX XXXX XXXX, the same number that left the voicemail. Upon calling, an automated message prompted me to enter my credit card number. I was immediately suspicious, as I do not hand over personal information to a phone number that I did not obtain through a legitimate website and/or company. Instead of entering my credit card number, I repeatedly pressed XXXX and *, as most automated messages will direct you to a human representative when this occurs. The automated message responded that my card number was not valid, and to try again. This process repeated XXXX times until the automated message informed me to call back with my credit card details readily available and I was disconnected. At this point, I contacted Barclay cardmember services using the telephone number provided on the back of my credit card. Upon reaching a representative, I was informed that no fraud had been associated with my account and there were no holds. I was also told that they have been receiving calls from members and nonmembers regarding similar situations. Clearly, the original message I received originated from a phishing attempt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Conn's, Inc.
State: NM

Complaint narrative:
I have received a letter from a debt collector for conns for a check that my bank was not able to pay at the time it was run thru the original check amount was for XXXX since then this company has tacked on XXXX in extra fees that are not necessary I can see a XXXX fee but XXXX they claim to be with the district attorney I have not received any calls nor collection letters from the original creditor I can attach a copy of the letter I received

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 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: Convergent Resources, Inc.
State: VA

Complaint narrative:
There is a collection XXXX company that claims I owe a past due debt to XXXX however this was reported by another company CONVERGENT SOLUTION of which removed it from my credit report with XXXX on XXXX XXXX 2015. XXXX does n't have any contact information on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 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: TX

Complaint narrative:
I received a call from XXXX with Sunrise Credit Services on behalf of XXXX. Stating that I owe XXXX plus dollars for an account in collections. If I dont make the payment immediately legal action will be taken. I explained that I have lived at the same address since coming into the country and I have not had cable services since receiving my SS # in XXXX 2015. I sent them a letter requesting to verify that the debt is mine. I have yet to receive, this information. I have never used my bank accounts to pay XXXX anything, I have never had an account with XXXX. Im not sure if ss # are recyled or not but Ive been having the same issue with aother accouts appearing that have nothing to do with me. I have supporting documents from the FTC and XXXX Police Department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Sent a cease and desist letter to convergent debt collection agency on behalf of my mother XXXX XXXX who is in XXXX..she has no money and lives on ssi..they continue to call everyday. .throughout the day several times throughout the day as well. .do n't know what else to do. .I 've tried explaining to them her situation but they still are harassing her for money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I received services from a healthcare provider XXXX years ago. Recently I got a call from a Collection Agency who said the debt has not been paid. The healthcare provider and I were in agreement that they 'd take care of billing but somehow my name was thrown into the mix. The healthcare agency does not respond to my inquiries about the debt or to the collection agency 's inquiries about the debt. This has a possibility of ruining my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have been contacted on my mobile phone four times by CMRE Financial Services. The first two times they left a message asking specifically for my child who is XXXX years old. I called the number that was left ( the contact number changes every time ) and was able to speak with a representative who told me that this was a financial matter regarding my child. When I informed the agent that my child was a minor, the representative then said that she needed to verify some information and asked for my child 's birthdate. I told the representative that I would not provide her with my child 's birthdate and she proceeded to ask for our home address. I did not provide that either. I requested that she forward any billing statement or printed materials regarding my child to the address that they have on file. The representative became belligerent and then disconnected me. This has happened twice. I do not know where this stems from and it has me concerned. Any assistance that you can provide would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 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: GA

Complaint narrative:
This account was on autopay. There should be no balance on the sccount. Was not aware of the balance until it went to collections. Need this removed immeduately and if they prove that i have not paid it, i will pay it. I moved in XXXX 2015 and have not had XXXX since.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Convergent Resources, Inc.
State: NH

Complaint narrative:
XXXX sent me a shut off notice around XXXX XXXX for {$110.00}. I immediately sent them {$15.00}. They know that I have a partial XXXX and am on a fixed income. But, they shut me off anyway ( The money order may not have made it before the shutoff ). I then sent them {$27.00} the following month towards a {$120.00} bill ( I had not realised that they sent me a collection fee of {$18.00} and did not understand why the bill was different but thought it was just the last reading ). The name of the collection agency is Convergent and I have contacted them because their bill states {$130.00}. At this time, I do not have the account # for Convergent, but do have the XXXX account # XXXX for which I have paid {$42.00} of the {$120.00}. Convergent states I owe {$130.00} even though the current online XXXX states {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
When I went to XXXX they told me I would not be charge anything else for my procedures they charge my insurance more than XXXX dollars and then I got this bill for the XXXX the I kept calling the office of the XXXX please for more than 2to 3 years every time I would get a bill and the women I charge of the billing would always tell me do n't worry Isabel it 's all handle we will take care of it i have gone back to that office this year and they told me that the women does not work there any more so I called the person in charge for the XXXX and she was the meanest and rudest women ever she told me that she did not care if what I had to say and that it was my problem to just pay the bill so I went back to brand sergical and told them of what had happen and they told me that yes she was bad and mean and difficult to deal with but that if I would get anything else done with them they would lay this off for me I have been trying to fix this for a long time please help me thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
A company in XXXX, NY continues to call my house every day. I called back XXXX times and spoke to reps and confirmed they have the wrong number and would remove my phone number from their call list. Well they never removed the number and continue to harass. I spoke to a supervisor, XXXX XXXX and was informed they would remove my number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: MS

Complaint narrative:
Designed receivable is a collection agency attempting to collect a medical bill that was not filed on my insurance in a timrly manner. I paid my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 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: FL

Complaint narrative:
Convergent Outsourcing Inc calls my office phone and leaves automated messages several times a week indicating that I call XXXX XXXX. I have called this number and their corporate number XXXX XXXX to request that they remove my number from their call list more than 10 times in the last 3 months. They always assure me that my number has been removed from their robot-dialer but I am still receiving calls. What 's more, they are not even trying to collect a debt from or reach me specifically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 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:
On XXXX/XXXX/2016 I received a notice from Convergent collection agency stating I owe XXXX {$190.00}. I do not owe that debt and have received a statement from XXXX stating No Payment Due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 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: AZ

Complaint narrative:
i received a SETTLEMENT OFFER FROM CONVERGENT OUTSCOUCING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX CONVERGENT ACCOUNT XXXX AMOUNT XXXX OFFERING SETTLEMENT XXXX SPOKE WITH REP WHEN I ASKED FOR WHAT ADDRESS THEY ARE SHOWING SHE STATED ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I EXPLAINED TO REP I FILED AN IDENTITY THEFT AFFIDAVIT AND A POLICE REPORT WIHT XXXX POLICE XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ON XXXX THE REP AT COLLECTION AGENCY SAID SHE WAS SENDING ME A FRAUD ALERT PACKET I ALSO CONTACT XXXX ANS XXXX THEY DONT SEE THIS ANYWHERE ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF HAWAII CORPORATION
State: FL

Complaint narrative:
We would call Bank of XXXX to make payments and they would n't take them out until a week or two after we authorized the payment to be taken out. This resulted in late payments being made. This would happen every month since XX/XX/XXXX. We paid Bank of XXXX three payments on XX/XX/XXXX and that has us current until XX/XX/XXXX. We requested XX/XX/XXXX to ship the vehicle from XXXX to XXXX under XXXX. They stated that due to the late payments they informed us that we would have to make our payments current after we submitted all the paperwork to ship our XXXX Dodge Journey. After catching up on payments they requested additional XXXX payments to allow us to ship the vehicle, we requested that in a written form and they would not agree or let us speak to the supervisor since that was who the request had to go through. Now when we call they put on hold until the phone call gets disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I have attempted, for several years, to get Optimum Outcomes to provide me with written copies of the original medical bill and the Explanation of Benefits from my insurance company showing that I did not owe this account. I have disputed this account that is showing on my Credit report. I have contacted the hospital and their XXXX, 3rd party billers and they all show that I do not owe them any thing. I have a copy of of the Explanation of Benefits that show that this account was settled by the medical office. I have been denied a mortgage loan because of this false collection account.

Company response to consumer: Closed with explanation