vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-04 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: NY

Complaint narrative:
I have a medical bill that is the subject of a good faith dispute. It was submitted by the medical service provider to my health insurer using the incorrect billing code. The claim was resubmitted, but the insurer has not yet responded. In the meantime, the medical service provider still has in its records that I owe the entire balance, which may or may not be true, depending on whether insurance covers some or all of the charge ( and I strongly suspect this would be covered ). The medical service provided was a series of vaccines required before traveling abroad. I received XXXX, and XXXX were covered. It was the XXXX that was submitted incorrectly, and is being resubmitted. Because the other XXXX were covered, I have every reason to believe the fourth will be covered as well. 

Despite the good faith dispute, I have received several, increasingly hostile, calls and mailings from the medical service provider 's collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 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: GA

Complaint narrative:
The debt was filed with the company in 2008. 

The debt is no longer valid. It is outside of Statued Of Limitations. 

They are still calling and harassing me on my personal cellular phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 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 have tried reaching out to this company to ask them to please verify the debt showing my identification being used because the debt their reporting is not mine. Im a XXXX vet with XXXX and had my car broken into and items were stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Health Care Management Services, Inc.
State: GA

Complaint narrative:
I continue to receive calls at work and at home from a company asking me for my birthday and SS # prior to verifying who they are. When I refuse to provide this information to anyone over the phone, the caller will tell me that I owe a debt but they will not tell me to whom or how much. I will not provide any personal information or financial information to anyone over the phone and the person or person 's calling will not disclose this to me. The only information they will disclose is where they are calling from. With repeated calls to my place of business AND at home, I am now forced to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 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: Mar Joe Enterprises
State: MD

Complaint narrative:
This is not my debt and I would aporeciate CBC stop placing inquiries on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Firstsource Business Process Services, LLC
State: PA

Complaint narrative:
On XXXX XXXX, 2016, I mailed a letter to Firstsource Advantage requesting how to contact me. I informed them in writing to only contact me by mail. The letter was received by them on XXXX XXXX, 2016. Today, XXXX XXXX, 2016, they called my mobile phone number at XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
They called at night, I explained that because of my work schedule calling at XXXX was inappropriate. They said it was a business matter. I told them to call during business hours, because of my work schedule I am home during normal business hours. I asked them to document that I asked them to call during business hours, XXXX times. Then I sent a letter. Tonight I got a call and had to ask the caller their name XXXX times, they finally asked me why I need their name, I told them I want it for my records, I was told their name is XXXX. I explained AGAIN about business hours and the letter sent. They said they 'd get a supervisor. They put me on hold then came back and said their supervisor says they are allowed to call at XXXX but they can note the account to call at XXXX. I said, no, business hours. You said it 's a business matter, call during business matters, I was again ignored. They do n't care about when they call, and yes XXXX is cheating, you can call legally UNTIL XXXX and when I requested they not, more than once AND sent a letter, they still did n't heed any of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CMRE Financial Services, Inc.
State: CT

Complaint narrative:
They filed a credit report with Transunion. The medical provider never sent me a bill nor did I receive anything from CRME Financial. When I called CRME to get my " account '' information they did not even have anything in their system! How can they file against my credit and not even have my account?

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 2016-04-13 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: TN

Complaint narrative:
The Debt Company Withdrew Funds From My Account Without My Consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 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:
The debt was paid by the insurance to XXXX Hospital Please remove it from my credit it should have never being reported it was paid by the insurance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
My loan officer, at the time, XXXX XXXX lied to me over and over again and cost me time, money and XXXX homes. He kept lying about the numbers and when I called to report him ( I called over a 100 times ) no one would return my calls. He has since been terminated due to fraud, but they refuse to make me whole my waiving their origination fees. They also lost my personal paperwork. I had to submit documents 3 times over, the same ones and no one can tell me where they are. For all I know, XXXX took them when they left. Someone needs to look into the practice of this company because I think they would find that quite a few rules are being broken. They are also nonresponsive and I believe they drag their feet so they can find ways of weaseling more money out of you. They also keep changing my numbers. My closing went from XXXX to XXXX in a matter of hours because they allegedly left things off. I ca n't trust a word they say but I 'm in escrow and ca n't afford to change lenders. They also lied to me about what I would need to secure the loan. After XXXX was fired they told me I would have to jump through so many more hoops that they did n't initially tell me about. At XXXX point they lied about the kind of loan I could receive and I had to pull out of a contract for a own because a week after signing the contract they call me and say we do n't off those types of loans anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 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: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
Have been repeatedly harassed at job and also have disclosed debt is owed to coworkers who have account also with debt collector. Name of company is Atlas Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns is calling me at XXXX collecting a loan payment that is only a 5 days late and it 's only late because I 've been traveling for work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
The company XXXX XXXX has filed a lawsuit against me, after that the original creditor GE capital has investigated this identity theft and dismissed all debt, The collection company was contacted by GE capital and informed to cease-and-desist, The bad debt was bought back from XXXX by GE capital, yet XXXX is still trying to collect on the debt they no longer own and also has been found to be under identity theft and has been investigated, I have giving copies letters from the original creditor to XXXX attorneys and the attorneys still persist on suing me for debt that they do not own and have been told that it is under identity theft, also copies of the FTC identity theft reports and police reports and they still ignore that this has been found to be identity theft. I have spoken with GE capital the original creditor and they are going to resend all their letters to XXXX. Not only am I being sued for debt that I do not own and that debt that XXXX does not own but this is also in my credit reports in which they refuse to remove from my credit in which is stopping me from buying a home. I have paperwork with GE capital 's account numbers and XXXX account numbers on the same letterhead from XXXX XXXX I have also brought this to light and that this was dismissed By letter from GE capitol. Please any help with this would be 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 non-monetary relief
Consumer complaint received 2015-09-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
We have had repeated robocalls from Synchrony in regards to a supposed JCPenney credit card collection. The number they are calling from is XXXX. I contacted JCPenny chat with that information and informed them to stop or I would report them. It has been three days and the calls have quadruapled with no messages now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased XXXX ( XXXX ) items on XXXX and paid for them with my XXXX XXXX XXXX. About an hour later I received XXXX ( XXXX ) e-mails saying that each purchase had been rejected by the CC issuer. I called XXXX for an explanation. I was told all they knew was that the charges had been rejected and they connected me to Synchrony Bank personnel. Synchrony Bank told me that my account had been CLOSED. When I asked why, I was told I had not used the card in a while. When I asked why I was not notified about the pending closure, the agent was silent. I was told the account could not be reopened, but that I could apply again for a card. I asked for a supervisor and was told none were working now and to call back in the morning. When I called back in the morning, I was greeted by a computer and asked several questions. The computer then told me that my account balance was XXXX. Apparently the computer knows that I have an account! When I finally got to an agent, I was told supervisors do n't work on Sundays and to call back Monday morning. 
In all the credit card agreements I have reviewed, not XXXX contained a requirement to purchase a good or service within a specific time period. While they list several reasons to terminate an account, failure to charge something on the account is not XXXX of them. Additionally, the agreements require that the cardholder be notified of a pending adverse action. As such, my account should NOT have been closed and I should not have suffered the indignity of having a purchase refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My identity was stolen to open a credit card with Barclays Bank Delaware. The app was approved via online and an immediate balance transfer was initiated. The problem is this balance transfer deposited into my active credit card. Therefore, Barclays bank deemed this transaction of balance transfer valid. However, my ID was stolen and used to open a credit card with Barclays ; this in itself is already ID theft, a fraud. The investigation by Barclays bank Fraud department is a joke. They do n't care about the pain and victimization of identity fraud. Their investigation is a disgrace to the protection of the consumer of identity fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In 2009, I went to XXXX XXXX in XXXX, NY for XXXX XXXX XXXX. One of the XXXX XXXX employees offered me an option to apply for a Care Credit credit card, in which it would pay for my loan and the card was also interest free. I was never advised of any other terms of the card. I accepted it and went through with the procedure. I continued to pay on my Care Credit account, with no late payments, until it was approximately half-way paid off. I then noticed my pay off balance had substantially increased. I contacted Care Credit via phone and they advised me that, since I did not pay off the entire balance during the " promotional period '' that all of the interest was applied back to my account. I was not made aware of this by XXXX XXXX nor Care Credit and I was completely taken off guard by their response. If I would have known then I would have certainly paid off my balance in that time period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-01 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Sometime in the XXXX to XXXX week of XXXX, 2016, I applied for the Sam 's Club XXXX. On XXXX/XXXX/2016 I received a response from Synchrony Bank stating that they were denying my application due to the following reason : " BANKRUPTCY PROCEEDING, CREDIT COUNSELING OR CREDITOR SETTLEMENT ''. I have reviewed the latest copies of all three of my credit reports and none of them reflect any of the above whatsoever. I do not have any bankruptcies, nor have I had any credit counseling or creditor settlements. I monitor my credit reports monthly so if any such information was present I would know about it. I wrote Synchrony Bank a letter on XXXX/XXXX/2016 asking that to please either provide the " current '' credit report that shows this information or to please reconsider my application. I never got any response from Synchrony Bank. It seems very unfair to have a financial institution use inaccurate information against me in determining my financial creditworthiness. I even wonder if it is legal for them to state such reasons which are simply not accurate according to all XXXX of my credit reports.

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 2015-07-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have enlisted the help of XXXX XXXX XXXX XXXX to help resolve credit card debt. I have sent letters to close my accounts and contact information to XXXX XXXX XXXX with any questions. I received XXXX calls on XXXX XXXX, 2015 from GE Capital numbers were XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I financed dental work through Care Credit which has a " no interest if paid in full '' by the time limit financing. I was one day late paying the minimum due in XXXX, 2015 and was charged a {$25.00} late fee. Every month since then, Care Credit has charged a {$2.00} per month interest charge ( 26.99 % interest ) on the {$25.00} late fee.The late fee was submitted as an additional amount for the minimum payment due, but Care Credit continues charge the {$2.00} per month interest charge on the late fee. I have now paid {$18.00} for the {$25.00} late fee. Very deceptive practices going on!

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 2017-02-16 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: OK

Complaint narrative:
Conn 's www.conns.com has been calling me everyday for a total of {$120.00} on a washer and dryer I 've been paying on for 2 years. I only owe {$120.00} to pay the entire account off. I have told their reps I get paid on the XXXX of this month and would pay it off. They continue to call me from different numbers ( dialer ) MULTIPLE times a day. Today alone, they have called me 12 times and it 's XXXX. They start right at XXXX. I have told them I am filing a complaint and they say " Ok, but the calls will continue until a payment is made '' This is n't just today. They call me up to 15 times EVERY DAY and it 's harassment!!!! Especially when I 've told them I would pay the entire account off on the XXXX. 15 times in one day is EXCESSIVE! I would like to file a formal complaint against this company and their idiotic collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
on XX/XX/2016 I went into Walmart to purchase XX/XX/XXXX decorations. During checkout the clerk informed me that I could get XXXX % off my purchase if I applied for a Walmart credit card. I agreed. I put my personal information in the terminal and he took my drivers license and input my information into the check out. I was approved and was then told I would receive a XXXX % discount on my purchase, instead of {$50.00} off. Once the purchase was completed {$150.00}, I did not see the XXXX % discount and was told it would show up on my statement. I received my credit card and my name was posted wrong. It listed my last name first, my middle initial was for my first name and my middle name was posted as my last name. I received my statement and received a credit for {$22.00}. I called the customer service center to complain and I was told there was nothing they could do. I informed them that my name was spelled wring and requested assistance to correct it. I was informed to fax a copy of my license to a number and it would be corrected. During the interim, I used the card. On XX/XX/2016 I tried to use my card at XXXX and Walmart and it would not let me complete the transaction. I called Walmart customer service and was told that I was told that the first time I called the representative should have allowed me to select a PIN and that I can not use the card, because the deadline have passed and they would now have to mail me a PIN to use the card. The problem that I have experienced is that I was not disclosed, or disclosed wrong information - otherwise, I would not have applied for the card. I was also put in embarrassing situations without being told that I needed a PIN to use the card. 
Thank you for any help that you can offer.

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 2016-02-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
This company called me claiming they informed me of a potential lawsuit regarding a credit card I had more than 5 years ago. They had never before contacted me by any means of communication. They then claimed to be an attorney and stated they were trying to make a decision whether to work with me on this debt or file a lawsuit. They would n't give me any case number or reference number of any kind. They refused to give the name of the company. They refused to give me an address of their company. This company refused to give me any proof of an outstanding balance and threatened to sue me for {$9000.00} on a {$800.00} balance, freeze all my bank accounts and withhold my income taxes. I called them numerous times trying to get more information and rectify the situation and they would just say to me " we are moving forward with the lawsuit '' and hang up on me. This happened at least 10 times. I then talked some who claimed to be an attorney by the name of XXXX XXXX. I stated to his the debt was paid in 2012 and I have proof of such. He then stated " well you better sue who ever you paid to get your money back because we are going to sue you '' then hung up on me again. This was the last correspondence I had thus far with this company/attorney 's office/debt collection company. Not really sure what they are.

Company response to consumer: Closed with explanation