vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have been called several times from a place called CRME for various medical bills that have never even gone to collections. 
Caller ID shows up as a local number XXXX. Automated voicemail gave # XXXX. I called back and the girl that answered stated I owe medical bills from 2014. ( Which I do not owe ) She was very rude and wanted to argue. I told her to call the doctor 's office that she is so called representing and send me something in the mail documenting this because I have never received anything at my home address about any bills. ( I have lived there for 8 years ) She wanted my credit card number and I would n't give it. I told her to send me documentation in the mail and she hung up. 
I tried to go on their website to pull up the so called account # they were referring to and it directed me straight to a payment page where I had to enter a credit card. There is no way to pull up any info without inputting your credit card number. I did not do of course. 
My identity was stolen at the beginning of this year and I am still trying to clear the mess because of these scammers. I am so tired of these losers stealing from people..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 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: PA

Complaint narrative:
This is for an XXXX visit. My insurance sent me notices that the hospital overcharged and to not pay over a particular amount. I have an EOB that says the hospital was paid in full. I have continued to get phone calls from this credit collection agency and now it has hit my credit too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 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:
CMRE Finance Services is in collusion with XXXX XXXX XXXX XXXX to extort money from me for a bill that was already paid by my husband 's insurance. 

XXXX XXXX was billed for the XXXX {$1100.00} ( XXXX XXXX XXXX XXXX ) and for the physician, {$1800.00}, ( XXXX XXXX XXXX ). XXXX XXXX then sent us a bill directly for the {$1100.00}. I told them our insurance had paid XXXX XXXX XXXX. Rather than check the facts they sent it to CMRE for collection. I told CMRE the bill was paid and sent them a copy of the insurance statement Rather than check the facts they filed a collection on my XXXX credit report. I sent a letter to XXXX to investigate. They took the word of CMRE Financal. 

I have sent letters to CMRE and have spoken to them on numerous occasions and have spoken to a manager named XXXX. Their story kept changing. First they said the {$1100.00} was not for XXXX XXXX XXXX that it was for the doctor. I questioned this since it was highly unlikely that the XXXX and the doctor would charge the exact same amount. They then said the doctor 's original bill was for {$1800.00} and that the {$1100.00} was the settlement amount. I told them the doctor had billed directly the {$1800.00} and was paid. How did they know what the original doctor bill amount unless they were working with XXXX XXXX? I sent them the XXXX XXXX statement showing them this. They said they would look into it. Since then they have not returned my calls and my credit report shows the collection.

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 2015-05-18 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:
this collection company sent me a letter saying that I owe this company money. which I do not. the name is XXXX series a.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Main Street Personal Finance
State: OK

Complaint narrative:
I took out a high interest title loan with Approved Cash, XXXX XXXX XXXX XXXX, XXXX, OK ( XXXX ) XXXX. I was 1 month and 1 day late on my payment, but intended to get caught up on payday XXXX/XXXX/2015. On XXXX/XXXX/2015 in the middle of the night they repossessed my car without my knowledge. They want the full balance, and will not accept payments to get caught up. I have possessions in the car, including the tag, that they will not let me retrieve them without paying a fee. They also will not let me know where the car is located so that I can inspect it before the sale next week. 

I asked them what the procedure was for claiming any funds left over from the sale after the balance is paid, and they said that they are not allowed to sale the car for more than what is owed on the note. The car has a blue book value XXXX to XXXX times the amount owed. I have never heard of an auction that has a set top dollar price.

Company response to consumer: Closed
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
Went to hospital Got tests done on my son Was not sent a bill saying I owed money to the hospital. 
Then just got a flag on my credit report while I 'm trying to buy a new house that we owe {$3100.00} and its flagged for XXXX which I took my son to hospital in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Harvard Collections, LLC
State: TN

Complaint narrative:
Collection agency put debt on credit report without attempting to contact first. Agency will remove and collect properly or I will sue them. They will contact me by mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 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: CA

Complaint narrative:
Covergent has a collections account on my credit file that was just refreshed in XXXX XXXX how when I never talked to you guys. The original date of the debt first delinquency was in XXXX so way is it show up with the date you guys purchased the line? Make no sense and it need to be removed from my credit all bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optimum Outcomes, Inc.
State: VA

Complaint narrative:
On XXXX XXXX, 2015, after calling XXXX Hospital to set up a payment plan for a bill for my children, I was referred to Optimum Outcomes by XXXX from XXXX billing to arrange a payment plan. I spoke with XXXX at Optimum Outcomes. We discussed a payment plan for {$60.00} per month but later that day I had {$640.00} debited from my bank account. I did not authorize this amount to be debited. Imagine my distress when I saw they debited {$580.00} more than they were allowed to. I find this to be an illegal activity and as such have reported the company to the BBB and sent a complaint to XXXX. I feel I was robbed. I called the company and spoke with XXXX and was given the run around. No company should be allowed to do this to someone. It is detrimental to my family and my health as it has created a great deal of stress and financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
They reported the debt on my credit report as a charge off. When I disputed it with the Credit Reporting agencies as not mine they validated the debt. I contacted them via certified mail with a " Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) and they never responded. I filed a complaint with you indicating that they would not respond to my letters and they finally responded and promised to send " statements for the life of the account '' ( see attached letter from them ) Despite repeated requests I 've received NOTHING from them.. This is a direct violation of the FDCPA 15 U.S.C. 1692e ( 2 ) ( a ) which prohibits the false representation of " the character, amount, or legal status of any debt ''.

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 2017-03-03 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received a credit card I did not request.

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 2016-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
First I never received a notice of rights to dispute. The only letter I received said that I owed a debt and I could no longer write checks at all and had to pay this debt plus a fee. The address they had was incorrect and not where I live and I have not lived at the address in over 4 years. In order to be able to write checks, I sent in a post dated check to this company. I post dated the check to reflect XX/XX/XXXX. The company cashed this check XX/XX/XXXX. Due to this I received about {$200.00} in over draft fee 's because of them posting a post dated check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
In XXXX XXXX I rcvd my first letter from XXXX XXXX XXXX Requesting Payment of Sams Club XXXX Acct ending in XXXX for a balance of XXXX. I immediately sent a request for validation requesting several items be verified for this account not knowing where this account originated from. I requested original name, account number and amount owed. 
-a copy of last billing statement - if the debt was within the statue of limitations and when this expires -the original signed agreement showing balance on the account from zero to present along with licensing requirements to collect in the state of KY. The company failed to validate this debt within 30 days instead stated they would respond within 90 days leaving the account in dispute but failed to report that to the credit reporting agency. But while the account was in dispute sent a bill requesting payment of the account due on XXXX XXXX. I then received validation or what they call validation of the debt on XXXX XXXX, XXXX. The validation consisted of two states and a list of the states they hold a license in to practice but did not include the other requested information. 

In XXXX of XXXX XXXX XXXX debt collector attempted debt collection for Sam 's Club on this account and I reported that this account was a stolen account by an ex husband in XXXX while going through a divorce and was reported as such when discovered in XXXX. 

In XXXX XXXX This account was bought by XXXX was attempted by that company at which time I reported again the same information and collections stopped. I am unsure why collections continue with this account and I have had to fight the same issue with several accounts as they pop up over the past few years. 

I am tired of the continued harassment after reporting this issue and should not have to keep reporting it only to have it as a negative mark on my credit report. 

I have had to deal with XXXX for the last year on a previous debt which they also failed to validate as requested.

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 2016-12-01 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX / Synchrony bank does not disclose the amount due each month to avoid interest and fees. XXXX company customer service representatives confirmed that is a true. I hope we all misunderstand. It does n't seem this could be legal. 

For example, when I look at my monthly statement - there is no amount due that reflects the actual amount due now versus the amount deferred. 

This issue arises as a result of mixing deferred interest promotion transactions ( that offer 0 % interest for XXXX to XXXX months ) with regular transactions that must be paid monthly on revolving credit. 


Yesterday ( XX/XX/XXXX ) I called customer service to find what I owe on XX/XX/XXXX 
They told me the data was all on the statement but that customers must calculate what they owe by sorting through transactions with a calculator. I asked the representative to make the calculation for me. Her first answer was that I did n't have to pay anything ( incorrect ). I questioned that. 
Her next answer was that I had to pay {$350.00}. ( also incorrect ) I asked for a XXXX. 

The XXXX also stated that customers must calculate what they owe to avoid interest. She confirmed it is not printed on the statement. 

She calculated my balance for normal revolving credit transactions and said that I owed {$0.00}. 
But she then said I had to pay {$25.00} as a minimum payment. 
Thus XXXX conflicting answers in XXXX call - a consumer does n't stand a chance. 

I intend to pay the {$25.00} in good faith. 
But if XXXX owes {$0.00}, why would there be a minimum payment? 

Why does a consumer have to spend XXXX minutes or so calling customer service to find what they owe because it 's not on the statement? 
And then hope the answer is correct. 

I work hard to maintain good credit. 
It sure seems like a deceptive practice to make it this difficult to know what is 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 2015-05-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
I was charged a delay fee. The delay was the fault of Cardinal Financial. But they charged me a late fee. 
First, I sent numerous emails and faxes with my information. I was told that they did n't receive it despite fax confirmations. 
Second, I was told my Cardinal that everyone was on vacation and they could n't work on my mortgage approval. 
Third, I was told on the day that my mortgage was supposed to close and I did n't have a choice I was backed into a corner. Their practices are criminal. 
My other issue is that it took XXXX months for them to give me back the funds that they were supposed to use for my property. They did n't pay it on time. So, I had to pay it. I called and wrote numerous times to get the money back. It took hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
Opened my account in XX/XX/2016 to make a purchase that i was told was under the special promo where i do n't have to pay interest for 6 months. Before the purchase I spoke to walmart employee and then XXXX different customer support agents on the phone and was told that everything should be fine. My XX/XX/XXXX statement included an interest charge. I called customer service back and was told i was not a part of the promo because i did not qualify but would not give me a reason why. They gave me no solution and basically said i would have to pay interest going forward. I then paid off my entire account and cancelled my card because i was so upset.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a Lowe 's credit card underwritten by Synchrony Bank/GE Capital. I set up an online account for the card and opted to receive paperless statements, notifications, etc. 

A few months ago, when I went to log on to my account the day before my payment was due so that I could make a payment, it seems my password, as I remembered it, was incorrect. I requested to reset my password, and was told by their server that a password reset email would be sent to me shortly. After an hour I had not received it, so I requested another one which, again, I did n't receive. For the XXXX time, I again requested and did not receive the email. As a result, I was unable to make a timely payment and was charged a late payment fee, which I believe was the point of the obstruction to me resetting my password. 

I was so upset about it that I refrained from using my Lowe 's card for a few months, even when shopping at Lowe 's. 

Then, a few weeks ago, I made a large purchase at Lowe 's and used my Lowe 's card. When Synchrony 's system notified me by email that my payment would soon be due, I logged on to the Lowe 's Card Site to make a payment ( somehow my password worked this time ). Since I no longer had enough funds in the bank account I had previously used to make electronic payments to the card, I added a different bank account for that purpose. The System told me I had done so successfully, so I attempted to make a payment with the newly-added account. I was also told that the payment was successful, though I never received a confirmation email ( and have never received XXXX from Synchrony for making a payment ). 

Then, today -- a week later -- I get a call from Synchrony 's collections department saying that my account is past due and asking if I would like to make a payment. I tell them I already made a payment online, and they say it was never received. I say that I heartily disagree, and ask if they intend to charge me yet another late fee, and they say the late fee ca n't be waived, because they waived XXXX late fee for me before ( when I first opened the account ) and can only waive one a year. 

These incidences speak of a pattern of Synchrony obstructing it 's credit card customers from making online payments in order to collect late fees, which are a major source of revenue for CC companies. From what I 've read in online forums, they have done this to many others besides myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am unable to access my free annual credit report online. I have tried several browsers and different computers on more than one internet connection. Each time, I receive an error stating, " A condition exists that prevents us from being able to accept your request at this time, '' with further instructions to call or mail in a request for the report. Those options do not meet my needs. I would like for this federally mandated program to work, as described and as advertised. I am not comfortable mailing my SSN through the mail or typing it in to an automated phone bank. I do n't care to wait 4-6 weeks for my report, when it should be available to me immediately via the web.

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 2015-09-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XXXX/XXXX/15 I signed-up for a Wyndham Rewards Barclay VISA Card as part of a Wyndham time-share program I purchased. The Barclay VISA card was used for the down payment. The terms of the Barclay agreement I received on XXXX/XXXX/15 stated that the balance transfer terms were 0 % APR for balance cfers made within 45 days of opening the account. When I received the credit card in the mail about 2 weeks later, the balance transfer terms were stated to be 0 % APR for xfers made 0 days after opening the account. This is an error I would like to get fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am currently dealing with an account with XXXX. The account was settled, but I 'd never received receipt or any proof of payment, all I have is bank statements stating that I paid them. this is still showing up every month as an unpaid debt on my credit report and as I am trying to purchase a house, this is really hurting my credit. My calls to XXXX and with the promise of an email stating that my account is paid and closed, But I never get anything and it continues to show up on my credit report every month as a delinquent balance.

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 2015-08-27 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I 'm tired of the calls from Synchrony Bank for XXXX XXXX XXXX XXXX Credit Card. I 'm unable to pay the card in the full minimum balance that keeps increasing each month. I talked to them to help in the hard ship situation but they keep calling. I WANT THE CALLS TO STOP!!! I wish I NEVER got the card. 

Apart from this month, I 've missed XXXX payment, but they make it seem as though missed so many. they give you options of amount to pay, if they do n't want me to used those optional payment amounts, why do they offer them, then they call me as though I have n't paid them. Yes, I 'm going through financial hardship at this time, but the calls are so annoying. And I feel harrassed.

Company response to consumer: Closed with explanation