vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-28 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I sent certified funds via certified mail to Synchrony Bank/Sam 's Club to pay off this account in XXXX, 2015. It was signed for on XXXX XXXX, 2015 and can be verified at usps.gov. I have the tracking number. I have copies of the returned certified mail receipt that was signed by their representative. They lost the check and have added another months interest as well as a late charge. I have contacted them four times and get a run-around and an attitude that I 'm a deadbeat or am simply ignored. They are n't even offering the courtesy of a phone call, email or any form of update as to what, if anything, they are trying to do to remedy my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Our firm, XXXX XXXX , XXXX has sent to Synchrony Bank, d/b/a Old Navy Visa, on behalf of our client, the appropriate Cease and Desist letter and POA. 

The bank has confirmed receipt of the POA and CAD letter on XXXX XXXX, 2016 and continue to contact our client up to 7 times a day, since XXXX 2016 to current.

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 2016-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
This company constantly calls my cell phone sometime 2 times a day. They use the call back number of XXXX and XXXX.They leave no message on the answering service. on the XXXX number 11 times since XX/XX/2013. on the XXXX number at least 15 times and the XXXX number 5 times.I do not want to receive any further phone calls on my cell phone.They have called after XXXX and before XXXX violating fcra regulations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 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: CA

Complaint narrative:
I did not owe this amount, the Convergent agency lied on the report to say the account was opened on XXXX XXXX 2015. There is no balance on this account and I have requested this entry to be removed from my credit report with them several times including call on XXXX XXXX and then again on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I have received multiple letters in the mail over the last several years for a debt that was discharged in bankruptcy in XXXX. I believe I received a letter in XXXX, XXXX, and again, today. After each letter, I called the collection agency to advise the debt was discharged in bankruptcy, and even offered to provide a copy of the signed entry of bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
DESIGNED RECEIVABLE XXXX is reporting on my credit file. This account is not mine. I was a victim of Identity Theft. I have provided an Identity Theft Complaint and Affidavit and Police Report to the agency and still have not gotten this account resolved and deleted off my credit file. I have also disputed this with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing, particularly XXXX XXXX, continue to call my job, harassing secretaries and anyone else who will answer the phone. She constantly leaves messages with my coworkers informing them of the debt and often leaves the company 's name, phone number, and a reference number. I have repeatedly asked her not to contact me at work as this jeopardizes my employment and is in clear violation of the FDCPA. 

I have also sent a written cease of communication notice that she claims she never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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:
I received a XXXX from my XXXX XXXX on XX/XX/2016. The balance was paid in full, as I have confirmed with XXXX XXXX XXXX. I received a mailed notice from CMRE Financial Services attempting to collect a debt of {$200.00}. They would not provide me with any additional information about the debt accept that it was from a XXXX done on XX/XX/XXXX. I only received one XXXX at that time. I confirmed with XXXX XXXX XXXX that there is no remainder owed, additionally they confirmed that CMRE is not a company they use for debt 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 2015-06-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I have started receiving phone calls from Convergent Healthcare Recoveries. They are trying to collect on a false debt. First of all they call and ask for XXXX XXXX. I have not used the last name XXXX for well over 10 years. That was my ex married name. They say that I owe a medical bill for 2013 while I have been in XXXX, Tn. During the time that they say I owe this bill I was working for XXXX. I had XXXX XXXX XXXX XXXX insurance with a group plan that covered me 100 %. I have researched this company online and there are numerous complaints against them for false collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 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:
I received a statement in the mail from CMRE Financial Services saying that I was in collections for a balance of XXXX for XXXX XXXX XXXX XXXX XXXX a place I have never been ). I recently did have imaging done, but I called both facilities/doctors that ordered and administered my appointments and imaging and XXXX said that I had no outstanding bills. I looked up XXXX XXXX XXXX XXXX and their phones just ring until you get a recording that specifically mentions if you have a billing question to call a certain number, that number also just rings and rings. The letter from CMRE states that have tried to collect this outstanding balance multiple times, yet I have never once received a bill. I do not know what to do at this point, because I do not owe anyone money, but these people are falsely stating that I do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: The Law Offices of Richard W. Krieg, LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX. I am a college graduate of XXXX University XXXX of 2012. At the time of graduation I like many other students was not able to secure a good job. Over the last three years I have moved from being unemployed to underemployed and back again. I graduated with roughly {$100000.00} in student loan debt from various sources. For the federal and private bank loans I have been given forbearance and deferment. However for my loan through the XXXX ( {$39000.00} ) I was not granted the standard grace period of 6 months to 1 year. My loan with XXXX has since gone into default. The loan has now been handed over to the Law office of XXXX XXXX in XXXX, NJ. XXXX states that there is no loan rehabilitation with them and they wo n't help.I have emailed XXXX XXXX XXXX who is in charge of the NJ Class student loans and petitioned her to see if I could make a more reasonable payment. After speaking with the law office and making a good faith effort to start paying off my loan they did not give me a reasonable amount to pay. They were asking for nearly {$800.00} a month for 10 years which I could not possibly afford with bills and other student loans that I will have to pay. I now have a good job and would be able to pay them $ XXXX/month however they were not willing to listen. My sister was a cosigner on the loan and has also fallen on difficult times recently and they are garnishing her check. I am asking for any assistance you could provide me with. I worked very hard to graduate from a great university and financial hardships after graduation impeded me repaying my loan but I am willing to get back on track with a reasonable repayment plan. The law office now is not being responsive to my call or the calls of my sister, I believe that since they are garnishing my sisters check they do not want to speak. Please help in any way that you can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 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: DC

Complaint narrative:
Convergent Outsourcing did not have a permissible purpose when it made an inquiry of my XXXX credit report on the following dates : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Please have Convergent Outsourcing explain why it accessed my sensitive financial information and to provide any documents to support their reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Received Alert for my credit bureau alerts stating I have an open account and failed to pay to XXXX. I closed my account with XXXX and due to previous collection tactics I was told to deal straight with XXXX phone serivce due to previous problems with collection shrewed tatics, threating court ect. I have been in communications with XXXX XXXX paying the last balance of my account which is XXXX. I 'm was confused when I received an alert from my credit montntoring agency that states that Convergent Collections indicates that they have been attempting to collect a debt in which I never received correspondent especially since I have been dealing with XXXX and paying by check. In order to report to the credit bureaus of XXXX, they must show that they have been in contact with my debt in an extensive time, I fails to make any attempt to pay my debt, which is crazy cause i have a check for last months agreement of XXXX cashed out by XXXX. I have no written correspondence from Convergent or any contact with any rep, or even a written correspondence to dispute any amount. Under fair credit reporting jaw can you submit to XXXX Credit bureau without any documentation, phone call or any correspondence and then report on my credit without any written correspondence. Under fair credit reporting is is unjustifiable, especially since I was and have paid a whole XXXX balance and have been speaking to XXXX even when they reported this to XXXX credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 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: Convergent Resources, Inc.
State: IA

Complaint narrative:
I received a letter from what I assume is a debt collector trying to collect on a XXXX account that has a negative balance, personally I ca n't even understand how a XXXX account could have a negative balance, but more importantly I do n't have a XXXX account and I want this collection to cease and it better not appear on my credit report. I am as well submitting this complaint to the XXXX Attorney General 's Office. I have attached a copy of the letter that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 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: CA

Complaint narrative:
CMRE XXXX. XXXX XXXX. {$46.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 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: OH

Complaint narrative:
After reviewing my credit report ( s ), I was surprised that Convergent was reporting an alleged debt with XXXX, which I had previously disputed with XXXX XXXX XXXX XXXX ( " XXXX '' ) in XXXX XXXX. Attached you will find the telephone log that highlights two telephone calls made to XXXX, at XXXX, on XXXX XXXX, XXXX. During those calls, I disputed the alleged debt with XXXX ; however, in the second call, at XXXX, I specifically requested verification of the debt. After the person with whom I spoke became abusive and began to badger me about the reason for my request, it became evident that such information did not exist. I was told that the account would be closed and I would no longer receive further communications. To this date, I have not received any further communications and wrongly assumed that this debt had been removed from my credit report ( s ). I have attached a screenshot of my XXXX XXXX account, which supports my assertions regarding XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 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:
I received a letter from convergent XXXX about a collection debt of {$3500.00}. They say the original creditor was XXXX.client account number XXXX.I do not know who these people are and I do not have any outstanding balance with any company such as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: MA

Complaint narrative:
I was unaware that I had any debts of this amount. I recently paid off outstanding XXXX bills and was never notified of any unpaid balances of this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Designed Receivable Solutions did not send me any correspondence about alleged unpaid debt. First time I found out about them trying to collect is from checking my credit reports, where they reported collection accounts I do not owe. I wrote them letter stating that I did not receive any correspondence from them, requesting proof of any debt owed, and stating that the validity is disputed. They did not respond in any way. Failed to remove negative reporting from credit reporting agencies. I do not have any unpaid medical bills. Whatever they are trying to collect is a fraud and does n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 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: PA

Complaint narrative:
Calls made to our home looking for someone who does not live here despite repeated attempts to ask them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
I would gladly pay this debt, if I could send a check to an address and be done with it. They want me to do a payment over the phone ... .never. 
Have this debt collector contact me thru the MAIL and I will pay the debt, WHETHER or not I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Main Street Personal Finance
State: IN

Complaint narrative:
I took out a payday loan and went on payments. When first payment was due I was unable to make the payment. I contacted the institution and told them I had XXXX and was short on cash due to being out of work and unable to make the payment. I was told they would submit the check to my bank and once it was returned I could call and make payment arrangements. So that check was presented to my bank, returned nsf ( charged fees ) and then I called and made payment arrangements. They accepted a payment arrangement from me for XX/XX/2016 on my next payday. On that date, they ran my check through again and my bank cleared it with nsf fees. I do n't think it 's lawful that after accepting a payment arrangement from me that they could run my ck through for full payment. They never disclosed to me when I made the payment arrangement that they would run my check though on my next payday. They had accepted a payment arrangement from me and turned around and resubmitted my check, now my acct negative and I am unable to pay my utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP.
State: IN

Complaint narrative:
I often make multiple payments at one time to my mortgage company. I include the account number on the check with the months that the payments are to be applied to in the memo portion of the check. I also include in the envelope the payment coupons for the payments that the check is to be applied to. A few months later, the mortgage company sends me mail saying that I am seriously overdue on my account because they misapplied my payment. This happened last year for the XXXX time and they put a late pay on my credit report for it even though my payment was never late. That mark is still on my credit report as I have not had the time to challenge it with the credit reporting agency. Today, I received yet another threatening letter even though I 'm not behind and do n't owe any more payments until XXXX. I 'm tired of them misapplying my funds! Furthermore, when I made another multiple month payment in XXXX of last year, I requested in writing a statement of all of my account history and then still have not sent it to me XXXX months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Called at XXXX from a local number, despite the company being headquartered in New York, and left a 3 minute long voicemail, after i had contacted them yesterday to notify that i was in dispute with XXXX XXXX XXXX and XXXX on the collection, and that it was in fact illegal. The company has also consistently called and harassed me.

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 2015-09-22 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
PayPower has failed to provide credit. Case number XXXX states that Pay Power is waiting for proof of purchase, submitted proof of purchase along with this statement. Create a dispute on XXXX and still no resolution and it is XXXX. Pay Power card number is **************** exp date ; XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
I filed a complaint with you ( the CFPB ) and my Servicer ( BSI FINANCIAL, AKA ; Servis One Inc ) no longer talks to me. BSI are very rude and tell me that since I have complaint to consumer Financial bureau, I have to speak to their attorney. They will not give me any status update. 

I Sent them a RSPA request and they have completely ignored it and refused to comply. I filed for a modification and they are not giving me any status update. They are pushing a foreclosure on XXXX XXXX, 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
I received a notice that my new mortgage payment is XXXX. The following payment was not in step with this document. I refuse to payment this new amount and any late fees. This problem needs to be straighted out ASAP. They will not answering any questions about my account and the discrepancy with the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I have a collection on my credit report for over XXXX and at that time I had insurance and was covered 100 %. This collection is a mistake and I have tried to resolve this matter with the credit bureaus as well as with the company which has yielded no results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation