vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ballybunion Enterprises, Inc
State: NY

Complaint narrative:
I have a loan with Military Credit Services. This company has a few affiliations. I am military and while moving from my past location to my present one I experienced significant financial hardship. I attempted to communicate this to their office to no avail and the account went to collections. 

Since then, with the intervention of CFPB I have a lower payment which has been made on time since XXXX 2015. 

Therefore my agreed payments have been made on time for XXXX, XXXX, XXXX, XXXX and XXXX ( 5 Months!! ) and the company updates my credit profile with " account in collections '' for all of these months!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
Optimum Outcomes refuses to remove inaccurate information off my XXXX report. The information was deleted from XXXX bureaus but not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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:
I recently signed up to credit karma so that I can repair my credit. I noticed that I have XXXX hits on my credit from a collection agency regarding unpaid medical bills. I always have had medicare any time that I had seen a doctor. I contacted medicare and they said they do n't see any money owed. I asked the collection agency to give me the name of the doctors that they claim I owe, and they told me they do n't have that info that its medical data and that I owe that money to them. Please help, I did not visit these hospitals at all and if I had my insurance covers XXXXpercent. 

name of collection agency CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2015 WAS LAST REPORTED {$1500.00} {$3800.00} {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 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:
I am being sued for Non-Payment, but all payments have been sent on time as agreed, the payment in XXXX was returned said no such address in XXXX error, I immediately mailed payment back, they acknowledge the received on XX/XX/2017, this was only XXXX business days late, then I received letter impending legal action as well for Non-Payment, the received payment pry to sending letter, I feel this legal action is unnecessary and unwarranted, I am continuing to make payments on time as agreed. I was not properly served, I found the Warrant some distance outside my residence, and mailed from Debt Collector at letter date. When I tried to talk to the Debt Collector after receive letter of impending legal action, she would not or could not stop legal action, and was unwilling to compromise or resolve this issue due to XXXX error, and just wanted to add additional fees, the Debt Collector was unprofessional, insulting, and among other statements said I lack common sense. If they are granted a judgment I will have insufficient funds for housing expenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29 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: WA

Complaint narrative:
This company is ONLY calling me AT WORK. They have n't told me who I supposedly owe money to, which is NOONE. I discharged a Chapter XXXX Bankruptcy for medical bills XX/XX/XXXX. All other medical bills, since XXXX XXXX, XXXX fall under the Washington State Crime Victims Compensation Plan, which also specifies that NO DEBT CAN BE COLLECTED FROM THE VICTIM. No collection attempts are allowed by law. I have received NO MAIL, NO attempts other than calling me at my place of business. I have no clue what they think I owe, but I have been more-than-on-top of my bills since I filed BK in XX/XX/XXXX. I do not owe what they think I owe, nor do I even know what they think I owe. This is a clear violation, they have not even attempted to send me a letter or bill for me to dispute and send a copy of the crime victims compensation plan and protection XXXX from the XXXX. If they touch my credit report, I 'm calling a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
This account was paid and I was told by the collection agency that it would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 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: WI

Complaint narrative:
XXXX, the company who the debt originated with, never sent out communication that my account was going to be sent to collections. I never received a bill in the mail, or even correspondence that it was going to be sent to collections. There was no phone call, email, letter, or any communication whatsoever that this was even to that point. 
The account uses my financial information, but the name on the account is XXXX XXXX XXXX. The address on the account is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: United Group Inc.
State: CA

Complaint narrative:
I applied for a loan for a car XX/XX/XXXX the account was closed on XXXX XXXX XXXX and I paid them. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX the creditor United Finance did a hard inquiry on my credit and was not authorized to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 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: AL

Complaint narrative:
About a week ago, I received a letter in the mail stating that I owe {$560.00} to XXXX from a collection agency by the name of Convergent. A year ago I had the same situation with a different agency stating the same thing and found out my mother had used my social security under false pretenses, and they got into contact with her and she did pay off the debt. The company did call me back to report this and now this company claims that it was not paid. I believe this to be a scam, as they are stating on the letter that they will settle for XXXX on the letter, but will need {$450.00} to be paid in full. Their is also to addresses on the letter, XXXX from XXXX, XXXX XXXX and then a P.O. box of XXXX, XXXX XXXX. I am a XXXX of XXXX and this is causing me emotional distress, since this was settle last year and the account was shut down and they have complete access to her. Please contact me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Received JCP Credit Card with a mere {$150.00} limit. Used it a few times over XXXX months or so. My credit score was XXXX. Just by using the card, because the limit was so low, my credit score dropped to XXXX. Then I had late payments to JCP because they would n't accept debit or credit card payments online or by phone! They ONLY accept checking account numbers and bank routing numbers online or by phone. Said I could visit XXXX of their stores to make payment - uh - I shop online and never go into their stores any more! After many discussions with JCP they finally accepted debit card payment by phone today ( not until my credit score was dinged another XXXX points lower ) but charged me more than {$80.00} in late fees. You 've got to be kidding! NO ONE gives their checking account and bank routing number for online payments because hacking is too prevalent. Use of a debit card draws funds from checking without exposing the entire account to fraud. If something goes wrong the debit card can be killed. Who does JCP think they 're fooling and why are they making it so difficult for consumers to pay their bills and charging late fees when we do n't want to provide the newly demanded information? Maybe it is just a way for them to collect a lot of late fees. Maybe they 're about to go bankrupt. Insisting upon direct bank account info as the only phone or online method of payment should be illegal! Call their payment line. Listen to the recordings. You will hear that checking account and routing information is required now. No options for plastic or money orders etc. This is a recent change by JCP. How dare they penalize me for declining to provide my direct checking information! How dare they hurt my credit score because I refused to give them direct access to my bank! I want all of my late fees reimbursed NOW.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NVR INC.
State: PA

Complaint narrative:
NVR mortgage gives free kitchen upgrades to all purchasers of XXXX or XXXX homes that agree to use NVR mortgage and the NVR closing company. the rates and costs are not as good as a mortgage lender but the free stuff is clearly steering under your codes. 

they should be stopped from doing this NVR XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
fees and payments were different than what they are deducting from my bank account ; additionally i have learned they are n't licensed or authorized to do business in VA ; also no instructions for stopping ACH transactions on statement ; terms and conditions or website.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX assisted me to pay {$1100.00} mortgage to CALIBER HOME LOANS due to my financial hardship. 
On XX/XX/XXXX, since I did not know when " XXXX '' can pay my mortgage on my behalf in XX/XX/XXXX back then, to avoid penalty, I also paid {$1100.00}. 
Because of this incident, I ended up pay XXXX mortgage payments for the XX/XX/XXXX, so I called and spoke to a customer service rep. at CALIBER HOME LOANS around XX/XX/XXXX and asked her to apply my XX/XX/XXXX payment of {$1100.00} the full amount as principal to my loan account without charge me any of interests, as it was my extra payment for the year XX/XX/XXXX. She agreed, and she told me that our conversation was recorded, and said that she took care of it already. I asked for a confirmation, she said no need to have confirmation, I should see it on my FOMR XXXX of the year XX/XX/XXXX. 
However, when I received FORM XXXX for the year XX/XX/XXXX, I found out that Caliber Home Loans did not apply my XX/XX/XXXX extra payment to principal ; but to charge interests against it as well. Thus, I called on XX/XX/XXXX to verify with a customer Rep. her name is XXXX. She was very rude, and told me that Caliber Home Loans would never re-adjust my loan nor to refund me the wrong charges of the interests on my XX/XX/XXXX extra payment of XX/XX/XXXX. I asked to speak to her manager, she hand up on me. Then when I called back, the phone just keep on routing to others, I was unable to reach to their manager for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I received a automated call from the Lowe 's card fraud department. I called because the automated system was vary confusing in what it was asking me to confirm. At this point i was a little frustrated and upset because it effects the delivery I thought was already set-up for the fridge I ordered. The person who came on the phone she told me that they needed to verify it was me and told me that the card would now work. at this point i was irritated already with this agent. I was concerned with what was happening with my order the rep was not help, she kept telling me information that contradicted each other. she told me i would have to go replace the order and then said i do n't she couldnt actually give me a real answer to my question which made me more upset. i asked if this is going to be an issue who do i talk to about canceling my card. She said that that would be her but i cant cancel my card unless i pay my balance. This really made me upset because the agent rather then helping me would rather cancel my account. I asked her what my balance was and she said oh you do n't owe money its zero. I said ding ding ding correct then the phone disconnected. when i called back they told me my account had be closed. I feel that the rep closed the account unauthorized because i wanted to have her correct the problem and mentioned on the call that if we cant get this fixed that i am going to close the card and would never reopen it if i do decided to close it. Additionally i was refused a supervisor when i got a supervisor they could n't hep but did mention that i had been hung up on and that the reps should not have done that. i have let 3 days pass and still have had no manager call back regarding the unauthorized closing of the account and the issue of pulling the call and responding to my concerns.

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 2015-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
PennyMac, my mortgagee drafted a payment from my bank account {$560.00} in excess of the scheduled payment. They sent me a refund check for that amount with no explanation of how it happened, and certainly without interest for " borrowing '' my money without my permission for the duration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
We purchased an appliance at Lowes and we were told that our choice was 18 months interest free then after the 18 months interest would start being charged. Well after 18 months they charged us XXXX on bringing our balance up almost XXXX extra $!! That is NOT what we were told at purchase at ALL. This is FALSE and misleading business practices and we want this charge removed immediately.

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 2016-12-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
The bank listed in this report continiously calls my parents landline telephone number. My parents landline has NEVER been given to this bank nor has it ever been authorized for them to call.

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
Consumer complaint received 2017-03-08 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: ERC
State: MN

Complaint narrative:
a company ENHANCED RECOVERY CO L is reporting a Balance {$1900.00} I have NO CONTRACT with this company and or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
well I had a judgement placed against me XXXX 2016 for {$6100.00} .this includes no interests as stated in jdgement. XXXX I noticed I 've made 9 payments total {$1100.00} im looking and they still have my balance at XXXX after payment I made today XXXX/XXXX/2016, but my balance based on judgment should be {$5000.00} after my 9 payments difference of {$410.00} I called the law office of selip & Stylianou llp in XXXX ny. XXXX my account representative at ext XXXX says the difference is from interests im being charged he sys per NY state 9 % {$1.00} a day???? that 's crazy how can they charge interests on a judgment that did n't include interests??? Basically making payments im being unfairly robbed cause the account will never be paid off if they are charging me interest per day this is crazy and unfair s there something I can do???

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: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank is still reporting my accounts with XXXX, XXXX, and XXXX as open and charged off when they have all been sent to collections and have since been taken off my Credit report I would like Synchrony bank to remove these XXXX accounts from my credit report since i have already taken care of them. please i called and spoke to a representative who was uncooperative and unwilling to help me I am trying to repair my credit so that i can buy a home for myself and my son and i hope XXXX day to be customer with synchrony bank again

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 2016-12-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I bought kitchen backsplash tile from Lowes on XXXX/XXXX/2016 and had it installed on XXXX/XXXX/2016 by a subcontracting company called XXXX XXXX. The job was botched and confirmed by XXXX XXXX. The company offered to fix the job but I wanted a full refund. I 've been following the formal complaint procedures for 2 months and still do n't have a refund of {$1800.00} against my Lowes credit card.

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 2016-03-13 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
Synchrony Bank maliciously reduced the credit limit on my TJMaxx credit card in XXXX from {$1800.00} to the balance owed, {$1100.00}. Synchrony sent me a letter claiming they did this because they pulled my credit report and decided that they needed to reduce my limit. 

I have always paid Synchrony/TJMaxx on time, so there is no reason for them to 1 ) lower my credit score by cavalierly pulling my credit report. And 2 ) by then lowering my credit limit to EQUAL the outstanding balance, they 've further piled on the damage that they initially caused to my credit score -- by even pulling my credit report to begin with. I contacted them and requested that my credit limit be restored to at least its original amount of {$1800.00}. On XXXX XXXX, Synchrony sent me a letter denying my request for a string of vapid reasons. 

Synchrony 's actions are just more of a bank getting away with XXXX chance to ever get out from under a hefty credit card and interest cost debt. Please let Synchrony know that they need to stop this hateful and greedy beating up of us little guys.

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: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I filed an complaint with Barclays bank of Delaware on XXXX, I advised Barclays that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, XXXX. 
As of today XXXX, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRAConsent to publish the description of what happened? Consent providedIssue Customer service / Customer relations

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation