vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
We selected Sebonic Financial for our mortgage refinance. I believe they also go by the name of XXXX Financial. The reason we selected them was the low mortgage rate and costs to refinance. We have provided all the documents and responded on a timely basis. Each person I have dealt in their organization appears to be dragging their feet with the processes. They do n't return phone calls, information is lost, they tell me that they have all the documents and then they request more .... 

We are coming up to the end of our rate lock period. Now they are trying to extract additional payment from us for a rate lock extension. We have done everything to be timely in getting the appropriate paperwork to them, made arrangements to get the appraisal done, responded quickly to their requests, but over and over again, they drag their feet. It is as it the process is designed to get you to commit and then up sell you with rate lock extensions. I am starting to believe that they never expected to fund the mortgage at the rate they committed to. The whole process is designed that you ca n't get the process done in the rate lock period. 

Here are some of the tactics I have seen. Not just one, but a number of their people never return calls. They lose documents. They arrange for the appraisal, but the appraisers refused to accommodate any time ( weekends, evenings ) other than XXXX to XXXX. The person handling our loan told us that via email that they had received the appraiser the day after the appraisal. Then, yesterday they told us that it was n't received for 6 days. This was also in email. The person handling our loan gave us the wrong underwriter. The underwriter could not find our loan. Then, the same person handling the loan told me that the underwriter was the sales person which I knew was incorrect. 

In closing, their whole process seems to be a bait and switch. They sell the low rate and costs. Then, they drag their feet to close the mortgage refinance. Finally, they push for rate extension payment. My belief is they never intended to provide the rate that was locked in up front.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
There are several inquiries on my credit bureau report that appear to be in duplicate. They are all listing as a request by synchrony bank. There are duplicate entries by bank for TJMaxx. XXXX of the XXXX entries by XXXX has been deleted but an extra one remains. There is an erroneous inquiry on XXXX/XXXX/XXXX by the same bank. The bank reports they have opened an investigation with the credit bureau but it has been more than 30 days ago and the items remain. Written information about dispute never received from company as promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I made a payment early XXXX via the Walmart Credit Card portal, powered by synchrony bank. I received a confirmation and it appeared that the payment went through. Later that month I received a late notice and called. I was advised that I did not make a payment. I then made XXXX payments XXXX for XXXX and XXXX for XXXX On XX/XX/XXXX I wnet to the website and had to update my password, it makes me do this every time. I then made my payment for XXXX and received a confirmation. I checked my account and the payment did not come out of my account. I called the call center and was advised that they have been having difficulties with the website but this is the second time this has happed and one of which I was advised that I would be credit reported and later I was advised that I would not be. I do n't feel comfortable making a payment online and I do n't know if I have been credit reported or not.

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 2016-11-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
Belk credit card services, Synchrony Bank, has a billing window- after the billing date, and before the payment due date approximately 20 days later- where any payment made will count as your monthly payment. Any payment made outside that window will apply to your account, but will not count as your monthly payment, allowing Synchrony Bank to charge a {$35.00} fee for a missed payment. There is never any notice of this charge, and since it is not actually a late payment ( in excess of 30 days late ), there is no mal reporting to the credit bureaus that would alert a person to the late payment status. 
I have made XXXX payments in the past 12 months totaling {$1000.00} on a revolving credit card with a limit of {$1000.00} that usually has a balance of $ XXXX and I have incurred XXXX late fees of {$35.00} each totaling {$240.00} for payments made outside the payment window. I was never notified of these late payments nor of the fees. I would have never known if I had n't called to see why my balance went up after making a payment. I have had this account for several years and have never known of this sneaky extortion.

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 2015-11-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
GE Capital called XXXX times between XXXX/XXXX/15 and XXXX/XXXX/15 about my Sam 's club credit card. My hours were cut at work from XXXX to XXXX per week so my XX/XX/XXXX payment I could only pay them {$100.00} instead of {$180.00}. The XXXX times they called they wanted the other {$83.00} even though I told them my hours had been cut and this was all I could afford. They conyinued to call stating they were tacking on late fees until I finally blocked the calls on my phone. I believe this is harassment. I 'm sorry I ever got an account with them. I have n't used the card in over 3 years and all it does is go up. When I reached the limit I stopped using it and all they did wa tack on more fees and a high interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I am enrolled in Barclaycard hardship program for account ending in XXXX, a XXXX set up payment plan which includes a payment due on XXXX in the amount of XXXX, which has posted and processed. Payments in the amount of XXXX are due on and scheduled for the XXXX of the month. However, the payment amount due is XXXX on XXXX and a late fee was charged on XXXX in the amount of XXXX. Under terms of the program interest rate is supposed to be adjust as well as late fees waived. It appears this was not done.

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 2015-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent collections posted false and damaging information on my credit report, alleging debt to a company I have never done business with. Also convergent never contacted me by phone or mail regarding this " debt '' to even give me a chance to dispute it before they posted it to my credit report. Also there is no contact information on my credit report for me to contact convergent " collections ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 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: FL

Complaint narrative:
CMRE. XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CMRE. XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE. XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX 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 2016-06-25 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: SC

Complaint narrative:
Within the last week collection account appeared on my credit report. I have not or did not receive due process under the fair credit reporting act or fair debit collection act. i was not aware that this collection company had this account. Another company had it before them. It 's not fair that company buy debit from other companies then the new company immediately report to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SecurityNational Mortgage Company
State: FL

Complaint narrative:
I applied for a pre-approval with Security National Mortgage Company and was told that I was approved, but the mortgage broker did not want to give a set amount so that I would not go too the higher end of the approved amount. I picked a home, put an earnest deposit and followed all instructions. 3 months in and no closing has been done, I 've been told I can not get my deposit or inspection money back and am now being told that in order to be approved, I have to sell my current residence. I never received a pre-approval letter from the lender or broker and now the selling agent has informed me that the pre-approval letter he received was forged and not valid. The mortgage broker I was working with was offered to do a mock sale, " XXXX XXXX '' sale in his words, in order to pre-approve me and at XXXX point asked for my daughter 's social security number to make it seem as if we were selling the house to her. He would avoid my calls and eventually I was told he no longer worked for the company. I called the bank yesterday to file a complaint and was told I had the wrong number. I clarified who I was calling for and my reasoning, then was told that an investigation was going to be done and that I would receive a call back. Within 5-10 minutes of hanging up, I received a call back from the original broker, XXXX, asking why I had filed a report and that the money should be returned by the seller. He said he would call the seller 's agent and hung up. I then contacted the seller 's agent, XXXX, and he verified that he has not ( yesterday nor today ) received a call from Security National or from XXXX in regards to this situation. I 'm losing out on money because this company did not do their job correctly and did not provide due diligence either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
I contacted CBC Collections to pay a debt and have these items removed from my credit report. I was told by XXXX that the company did not have the ability to remove items from the credit report. This statement is untrue. I was also not properly notified of this collection even though I had previous business relations with this company and they had my contact info. I learned of this collection when my report was pulled.

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 was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
The debt was paid late by my insurance but it was due to the fact that the doctors office in question submitted the claim incorrectly multiple times. My insurance contacted the doctors office and let them know as well. I was in contact with my insurance the entire time. My original date of service was XX/XX/2015.There are XXXX entries for this XXXX date of service on my insurance site. The doctors office turned me over to a collection agency that wanted to hear nothing but when I was going to pay a bill I did not owe. They have since reported this on my credit and I am in the process of trying to buy a house.

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 2016-01-13 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 was contacted by CMRE Financial Services about a medical debt that I did not owe. They have been persistent and have affected my credit score because of it. I was told I owed {$3500.00} and needed to make that payment. I never was given proof of bills from hospital or received any medical bills at any point. This company is committing fraud and affecting my credit score which in turn is affecting my ability to buy a car, rent apartment, etc. I need this resolved please this is complete fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
On XX/XX/2016 I mailed via certified mail an constructive notice in a form on affidavit sworn under the penalty of perjury to Firstsource Advantage LLC. Firstsource Advantage LLC failed to respond to my affidavit with a proper validation within 30 days. Firstsource Advantage LLC keeps sending me offers to do business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
In XX/XX/XXXX I was involved in a Car accident. The XXXX XXXX which worked for XXXX XXXX had no insurance. He was a XXXX. I only had liability with my insurance company XXXX XXXX was the company. They would n't do any thing because I was n't at fault and only had liability insurance. I made the repair and charged it to my credit card and figured I would be reimbursed. The company did n't. I advised XXXX XXXX XXXX about the situation and figured they would assist and they did n't I gave them all the information. That is insurance companies the other drive etc. They factored the debt. Now XXXX years have passed and they are still bugging me. Furthermore, I just received a letter just as my credit was being reestablished. This was resolved back in XX/XX/XXXX and now it is reappearing and I 'm not sure why because according to the Fair Credit Reporting act time has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC
State: AS

Complaint narrative:
received a letter from Sunrise Credit Services , Inc. of a past due debt from creditor XXXX XXXX House. the amount due is {$51.00}. i contacted the collection agency above and agent explained that according to XXXX XXXX House, they sent a letter to me, and merchandise. i did not received any letter, nor any merchandise. the Sunrise Credit agent on the phone insisted that i owed this, and they are offering me a reduced amount to be paid? I told the agent on the phone that i did not received any letter from XXXX XXXX House, and any merchandise. and do not know of any amount of money that i owed. it not much of an amount to be paid, but i just got suspicious of where this transaction came in to being? and why is this collector is offering this at this time. And i do not recall having ordered any merchandise from XXXX XXXX House at the beginning of last year, 2015, according to the Sunrise Credit Services , Inc, agent i spoke to by phone. the account # under my name for this debt is, XXXX.

Company public response: Company chooses not to provide a public response
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 is not mine
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
XX/XX/XXXX I purchased internet and TV services from XXXX XXXX XXXX. After a series of problems, and incorrect charges I decided to end the service with them and completely cancel. The connection to the services at home was never done. For this reason i continue to get charged and now have Sunrise Credit Services trying to collect the debt. I have made over 30 calls to XXXX XXXX XXXX and spoken with many managers. They have all said they have resolved the issue but still continue to get charged for the service they did not render. I continuously call XXXX XXXX XXXX representatives to get it fixed but still have not had any resolve. As a result my credit score can be affected. XXXX XXXX XXXX has claimed that it is an error that they committed but I still continue to have this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Called me XXXX days in a row, after I said I would pay it in installments the XXXX day they called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 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:
The hospital I wen to never billed my insurance for this debt and did not notify me of any payment needed. I have changed jobs since then and no longer have the same insurance company. I contacted the debt collector and explained the situation to them, They have never contacted be about this debt nor have they responded to my inquiry. The only reason i know about this debt is because i pulled my report online.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
hello this company sent me a letter thru cfpb and to my mail that they will delete all negative info of my credit report but have failed to delete with XXXX and when i disputed with XXXX they verified that i owe and will not remove

Company response to consumer: Closed with explanation