vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: WI

Complaint narrative:
People I know are getting phonecalls that this phone number keeps calling them looking for me. If they have my address, DOB, SSN and name why do n't they just contact me. I work during regular business hours so I can not pick up my phone calls all the time unless its an emergency with my children from school. But for them to be calling my brothers, sisters, cousins that 's not right and it 's embarrassing. I know that I have debt but how can I know who to contact if their agency keeps selling off my file to a new agency and the new agency is calling my entire family when I do n't even live in the same town as them. I pay attention to my voicemails and my mail I receive at home. But multiple phone calls everyday to my family members is a little excessive when trying to pursue a debt collection - it 's just annoying and as a consumer I am upset from the embarrassment of being in financial debt that I do n't even want to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 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: TX

Complaint narrative:
On XXXX XXXX, 2016 I reviewed my credit report and noticed that an account that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. As of today, I have not received a response from this collection 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 2016-12-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: First Choice Assets LLC.
State: CA

Complaint narrative:
The person calling me from this number ( XXXX ) made threats to me over the phone. They asked me for my social security number, a bank account number, and birth date, and when I asked for them to mail me documentation in the mail, they refused. I feel very uncomfortable with their process and the fact that they had my personal information. I would like this to be investigated. 

This is the website for their company that they gave me : XXXX/

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 2016-02-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
My private XXXX student loan was transferred to a new owner sunrise credit. I receive multiple calls a week from this company and have complained twice to them about it. If I make a payment I get a call that I have n't made a payment. If I miss a payment due to financial strain and explain to them I will not have it til the following month they state they will note that in the system yet I still receive daily calls. It is extremely frustrating and during my last call that I answered I told them this is considered harassment and that I already spoke to someone who was supposed to " note '' in the system when I will be making my next payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 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: Results Unlimited, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX and Results Unlimited, Inc. has sued me via civil judgment for debt relative to their decision to evict me after my roommate moved out unexpectedly. After much pleading and providing a plethora of supporting evidence, the company pursued legal action and I was never informed. 
I eventually found out that there was a trial and judgement placed on my credit. I did an annual credit report review and noticed this judgement on my credit for {$3.00}, XXXX. The company has now placed a garnishment of 25 % of my disposable income and has since increased this amount to {$4800.00}. 
Meanwhile I have not been properly informed of any of these actions taken against me. Results Unlimited has not provided me with any forms or documents that has outlined any of their processes and actions toward pursuing this judgement of collections against me. When I reach out to Results Unlimited they only give me verbal information and aggressively leave me without any hard copies of evidence used in a court of law against me. 
I am a law abiding citizen who has overcome many personal obstacles to obtain my current career. This company sent court documents to an address that I moved from some 2 years ago and since have since lived at XXXX addresses any of those potentially being my " last known address '' but they chose the furthest address relative to time moved and distance to send these court correspondences. 
This company continues to use bad servicing practices to prey on individuals whom are already in compromising positions. I need assistance with this matter immediately and I am thankful for the support of CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 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: MI

Complaint narrative:
Service disconnected on XX/XX/XXXX, returned devices, was told it could take 3 months to get final bill in the mail. Waited & noticed bill came at over {$1200.00}. XX/XX/XXXX contacted financial services from the XXXX corporate store, spoke with representative named XXXX who escalated additional charges since XX/XX/XXXX to her supervisor by the name of XXXX. XXXX told me the correct final bill was {$390.00} and that I would get a text message in 24-48 hours when credit was given for the remainder. I never received text message and am now being contacted by a collection agency who states we owe the full balance of over {$1200.00}. XXXX tells me there is nothing they can do even though they do have all the notations on the account from the numerous representatives I have spoken with both in the corporate store and financial services via phone. This has now resulted in effecting my credit and by no fault of my own. I have done what I have been advised to do by XXXX and their financial service team as well as followed up numerous times with no proper result.

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 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: GA

Complaint narrative:
My Name is XXXX XXXX, I am the Mother of XXXX XXXX. My son XXXX XXXX was has recieved a letter in the mail stating that he owed a medical bill. XXXX XXXX is a young college student who did n't have insurance at the time of service he recieved at the hospital. A financial application was submitted on his behalf and was approved. XXXX in good faith upon recieving the letter, not knowing that he did not owe the bill. Tried to take care of the debt, however he did this action with out my supervision. Even though he is over XXXX My son need assistance at times because of a XXXX. Which is why I am writing this letter. XXXX gave information to this debtor who collected all the money he had in his account, which was XXXX. When I learned of this I had XXXX call them back, and ask them to return the funds, because he was within his 30 days to dispute the bill he did not owe. However he has never dealt with a debt collector. While I applaud his effort in trying to address thie debt, he was misguided. XXXX called and asked for his funds to be returned because he really could n't afford to pay, and he did n't understand at the time he tried to address the debt. However they have not made any attemp to return his funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Designed Receivable Solutions, Inc.
State: NY

Complaint narrative:
designed recievable was not able to verify or validate this debt that i owe to them by my signature stating that i had and obligation to pay this allege debt and had deleted it from my XXXX credit file XX/XX/2014 and then placed it on my other credit files XXXX and XXXX i have reached out to them several times and they continue to verify this as reporting accurrately when they have deleted it from XXXX credit file and continue to report on other files

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 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: OR

Complaint narrative:
I had a XXXX in XXXX XXXX, Ca when I was insured by OHP and the city of XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX are refusing to bill OHP for reasons I do not understand, they both have turned this issue over to CMRE Financial Services Inc. @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX I have been in contact with XXXX XXXX with XXXX @ XXXX She had called XXXX parties in question and they actually gave her bad fax numbers and e-mail addresses to send whatever they needed to bill but to no avail then they sent the collection notices.

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 2016-11-11 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am not aware of this account. I visited XXXX many many years ago and did n't owe them anything. Please remove this from my 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 2016-03-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Our American Express/Jet Blue credit card was re-assigned to XXXX. We have elected not to enroll with XXXX but instead to enroll elsewhere. American Express is now denying us access to our card statements ; we will have to enroll with XXXX to view them, at a cost of {$40.00}. Apparently we were warned in our XXXX statement that we would no longer have access to our records, but did not see the warning. It will be difficult to file our taxes without access to these financial records. Apparently Amex would like us to pay off the balance of our card without being able to verify the amount owed.

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 2015-10-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had few accounts with Barclaycard US and called them in to get my accounts closed. They then asked me to stay on with their company, in exchange for a retention offer, which they promised to put bonus points on my account, after some different charges I will put on my account. so I stayed on with them. However, I soon realized this was a gimmick, and they did n't even give me the chance to do so. it was just for them ; to be able to suddenly close it without notice, instead of me doing it, and to get it reported on my report as closed by credit granter, which is decreasing my credit score significantly. When I questioned them as to why they decided to grant my request to close it? their answer was since I drastically want over my credit limit. This is odd even if I would 've not have paid, as with every other bank either they do n't allow you to overcharge, or it 's no issue, especially weird of course after I paid already almost full balance. All this happened only after I warned them I 'll start litigation against them. since they were refusing to send a mid cycle update to the credit reporting bureau about a very large payment I made on the account right after the statement closed with a high balance, which is ruining my score as well. Despite the fact, that they did update right away the closure of my account done by them, even though it was still open on the closing date of the statement. They are not acting in good faith as every other bank would 've done to send an update to the bureau, even after I advised them of the damage it 's causing to my report having a large balance. They are also refusing to rectify the reporting as closed by consumer. I had a very big lost by using their cards above other companies, especially that they are not allowing me to redeem the rewards I legally errand by using the card and paying for it. In the past they also once in error stopped a check sent to me causing me damage. NEVER SEEN A BANK BEING SO STUBBORN NASTY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX Mastercard does not honor their promotions giving bonus points for purchases during the promo period. 

I signed up for a XXXX points promo during XX/XX/XXXXXX/XX/XXXX. I made {$38.00} of purchases in that period. I only received XXXX points in my XX/XX/XXXX statement. I should have received XXXX ( $ XXXX ) points. I have informed them but they have ignored my complaint. 

I signed up for a XXXX points promo during XX/XX/XXXX-XX/XX/XXXX. I made {$38.00} of purchases in that period. I only received XXXX bonus points in my XX/XX/XXXX statement. I should have received XXXX ( $ XXXX ) bonus points. I have informed them but they have ignored my complaint. 

I signed up for a XXXX points in the shopping category promo during XX/XX/XXXX-XX/XX/XXXX. I made {$50.00} of purchases in the shopping category in that period. I only received XXXX bonus points in my XX/XX/XXXX statement. I should have received XXXX ( $ XXXX ) points. I have informed them but they have ignored my complaint.

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 2016-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I received a call from XXXX stating that I owed them money on a debt. I notified them that the debt was included in a Ch. XXXX bankruptcy and that they should n't be contacting me and they could contact my lawyer for verification if needed. The " adjustor '' transferred me to someone identified as their head legal counsel/attorney who told me that if I did not pay the debt within 72 hours that they will seek criminal charges and my wages, tax return and any income will be garnished as well as freezing my bank account. I informed this person that he could speak with my lawyer and was told " we do not speak with lawyers you can have a lawyer represent you in court. '' I received multiple other calls from then and in XXXX call " XXXX '' accused me of being unwilling to be responsible and pay my debt and said that I will end up paying over {$7000.00} now for their legal fees and criminal charges will be filed against me. I informed her that I knew that what they were doing was illegal and she yelled at me that it was not at which point I said to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Letter to Lender : Re : - Pay Pal Smart Connect AccountLender : As confirmed today, in my conversation with XXXX, the Smart Connect Manager on duty, on XXXX XXXX, XX/XX/2010 at XXXX XXXX my account has no late payments and payments are paid {$10.00} above the minimum due balance, but because Lender has randomly checked my credit and is n't comfortable with my performance in other matters has decided to lower my limit from {$300.00} to {$160.00} and has informed the credit bureau of such action. 

So in effect, you have benefited from the interest earned from my payments and despite my perfect payment history with your company, I am being penalized for actions in other matters. Why did Lender even decide to grant this account to begin with, it is a no win situation for me. 

I am sending this letter to the banking commission for their consideration and to the credit bureaus. 

Your actions are unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony bank, as the credit card provider for XXXX stores, employs deceptive and unfair practices with an add-on product on their credit card ( card security ). Upon the opening of my account, I noticed an {$85.00} fee on my account - outside the promotional 48 month financing I had taken advantage of with the store when I made a large purchase of furniture. When I called and inquired about the fee, I was told it was an optional product and that I had selected it when I signed up. I signed up online within the store and do no recall selecting any feature that required additional fees. Synchrony Bank representatives stated that the check box was in the middle of the application to sign up for the add-on product. The application should be reviewed as I believe that Synchrony Bank is employing a deceptive practice to hide this add-on product and it is not clear that the add-on product needs to be " de-selected '' while filling out the application and it is not clearly labeled on the application. Furthermore, I have now called the credit card company over 5 times to have the fees removed. The first time I called and complained, representatives stated that I must call another number and line to discuss the product and talk about getting the fees waived and the add-on product removed. I believe that this is an unfair practice as Synchrony bank has put in additional hurdles to have the fees removed. When I called the line that was provided, the representative ( of what I assume is a third party company ), stated that the fee was waived in full ( {$85.00} ). I checked my balance on the XXXX of XXXX and discovered that another {$2.00} fee was on the account randomly and when I called Synchrony Bank yet again they stated the fee was for the " card security program ''. I informed the company that they should make a note that I was complaining to the appropriate regulator as they continue to try to charge fees for a worthless product that was added to my account through deception.

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 2015-10-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
I submitted a payment with Berkley XXXX for XXXX on XXXX/XXXX/2015 through my credit union checking account. The payment confirms the last XXXX of the checking account number. My bank informed me that XXXX tried to run it through my savings account. The payment was declined and I was accessed a fee by my bank. My bank waived the fee as the fault was not mine and informed me I needed to contact visa and tell them to be sure to rerun it as a checking account. After numerous calls to Berkley all I get is that the payment was honored, they did not submit it through savings, and there is nothing they can do. The fact that the calling center is out of the country is only compounding the problem. I offered to resubmit the payment on my debit card if they would cancel the other payment. They said they could not do that. So at this point I am going to be assessed nsf and late fees on my credit card as well as be reported last to the credit bureau through no fault of my own.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I made a purchase through XXXX XXXX using their offer of credit with no interest if paid within 6 months. The purchase was paid in full within the allowable time. Payment in full was made in excess of 1 1/2 years ago then the account promptly closed. The credit card was with Synchrony Bank. Recently I received a promotion from Synchrony Bank referencing my account. When I called they stated that the account was closed, but I came to realize that all of my personal information, INCLUDING SOCIAL SECURITY NUMBER, remained in their data base. A request to delete my information, especially my SS Number, was rejected by multiple people at the organization.

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 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
The original creditor sold this debt to a collection agency, they also wrote off this debt on their taxes which wrote off my obligation to pay but I paid anyway. This contract was cancelled which means NO CONTRACT.

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: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am disputing this creditor. I was not informed via certified mail of any late payment concerns. I was making current monthly payments, and was not made aware of any payment date changes. When I realized there were late charges on my statement months later, I contacted the company via telephone. I was quite upset, and agreed to pay the total amount if they would remove the late fees since I was not aware of any concerns.. The company willingly removed XXXX of the late fees. I payed the bill in full and cancelled the card.

Company response to consumer: Closed with explanation