vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
THIS IS FRAUD. I HAVE REQUESTED VERIFICATION AND PROOF AND DISPUTED MULTIPLE TIMES. PLEASE LOOK INTO AND SEE IT IS NOT MINE AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: OK

Complaint narrative:
The phone will ring once and hang-up several times a day from the same phone number. The calls are 7 days a week at all times of the early morning to late at night. Harassment is the intended purpose. I do not owe any debts and this company needs to produce documentation saying otherwise or stop calling. They call from this number ( XXXX ) and after doing a reverse look-up of the number it belongs to Firstsource Advantage , LLC XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 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: TN

Complaint narrative:
I received a letter on XXXX XXXX, 2015 from Convergent Outsourcing to collect a debt that I initially disputed with the company they represent directly which is XXXX. I therefore sent a certified letter disputing the debt which was received on XXXX XXXX, 2015 by the company. Convergent Outsourcing responded on XXXX XXXX, 2015 noting that they were not handling the case. I then pulled my credit report and noticed that another company, XXXX, had placed the account on my credit report in XXXX 2015 and had not provided any notice prior to doing so. On XXXX XXXX, 2015, I received a letter from them notifying me that XXXX placed the previously disputed debt with their agency ; however they never notified me before placing the item on my credit report. I therefore sent their agency a certified letter on XXXX XXXX, 2015, which was received by their company on XXXX XXXX, 2015, informing them that I was not notified of the debt and they did not follow the procedures of the Fair Debt Collections Act. As of XXXX XXXX, 2015, XXXX has yet to respond to my notice or letter. Before this account was placed with collections, XXXX refused to correct the charges and was charging me for services not received. XXXX was attempting to charge me for service on a telephone that had not been used since XXXX 2015. I spoke to a XXXX representative on XXXX XXXX, 2015, who said that they could see where the phone was not used since before XX/XX/XXXX and was attempting to credit the account then discovered they could n't because it was sent to collections on XXXX XXXX, 2015 ; one day after I received a bill from them. XXXX is jumping the debt from collection agency to collection agency because they know that the debt is not a valid amount ; I have also confirmed that they have taken these same actions against other people who cancel their telephone service with them as well. Both XXXX and their collection agencies are taking actions that are unlawful and unfair to consumers who attempt to do right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I have contacted Convergent debt collection company on my own to resolve a debt that I noticed on my credit report. The debt was originally acquired from XXXX mobile company. Convergent collections company refuses to send me a bill with an account number via mail or email so that I can pay the debt. I have called more than three times a week XXXX XXXX XXXX. I have spoken to the supervisor on XXXX occasion who assured me everything would be handled correctly, and still nothing. I do n't know what else I need to do to get this company to send me a legit bill so I can pay the debt. I am also nervous that if I do send money, they will not properly process it and the debt will remain current.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 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:
I received a call from this collection agency. The call was for " XXXX XXXX '' ( who does not live at this address ). I asked several times for the caller to identify the organization and provide a mailing address, but she did not do so. According to the Federal Trade Commission guidelines on debt collection practices, XXXX, debt collectors are required to give a mailing address and identify themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: EMBRACE HOME LOANS
State: FL

Complaint narrative:
I am having the same problems with XXXX as I experienced with XXXX XXXX XXXX and Embrace Home Loans trying to get paperwork for my loan that was lost in the flood. Just got off the phone with XXXX XXXX with XXXX who has stated that if I give them access to my home they will bring a contractor in and repair my home with the money they are holing I asked to have that in writing and was told no

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: G&P Enterprises, LLC
State: CA

Complaint narrative:
Allied Trustee Services on behalf of XXXX XXXX XXXX an HOA company garnished my wages in the amount of {$6400.00} for an invalid debt in the original amount of {$1200.00}. I did not oocupy the property in question at the time this debt was incurred because the property was foreclosed and I was evicted from the home. ALlied Trustee Services had absolutely no right to this money. Because of their actions my family and I are again facing eviction because we can not pay our rent. Allied Trustee Services should not be allowed to take these fradulant actions. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 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:
I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I gave all XXXX credit reporting agency 's over 60 days by certified mail and did not get my original signature of the accounts to finds its validation but not verification but the 3 rd party and the XXXX credit bureaus are violating my privacy rights under hipaa law on ongoing dates I never signed or gave written hipaa release to this 3 rd party collector to get all my medical information that 's invasion of privacy I contacted and filled out a complaint with XXXX online also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
MY NAME IS XXXX IN XXXX AFTER XXXX XXXX, I HAD TO CLOSE MY COMPANY AND I WROTE TO ALL THE CREDIT CARD COS THAT I WOULD BE VERY LATE W PAYMENTS, MY CREDIT WENT SOUTH BUT I KEPT STRICT RECORDS. NOW 16 YEARS LATER MY CREDIT IS AROUND XXXX AND I HAVE JUST RECEIVED MY XXXX. I AM HAPPY I PAID EVERYONE OFF IN THE LAST 7 YEARS. TODAY I RECEIVED A LETTER FROM CONVERGENT OUTSOURCING IN XXXX, WA SAYING THAT I OWE A VISA ACCOUNT {$540.00} ... .NOT TRUE. I PAID EVERYONE OFF ONE BY ONE WHAT SHOULD I DO? ... I THINK THIS IS A SCAM TO PREY ON XXXX RETIREES ... XXXX IS SCAM CAPITOL ... 
I COULD IGNORE THE LETTER BC THEY MASS PRODUCE THESE LETTERS HOPING TO MAKE MONEY OR I CAN SEND A TERSE LETTER DISPUTING THESE CHARGES ESPECIALLY WITH STATUTE OF LIMITATIONS AND THREATENING A LAWSUIT THRU MY LAWYER. 
WHAT DO YOU SUGGEST? THANK YOU. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Management Resources
State: OK

Complaint narrative:
I got to know about this account after I checked my credit report. I immediately contacted them about this and I was told my health insurance did not pay the hospital so my account was placed with them for collection. I told the agent that I did n't receive any mail from her office about this debt. I informed the agent that I will go ahead and settle this debt in full so that the account will be deleted off my credit reports and also since i did not receive any notice of debt verification and also it is not my fault for not settling this debt on time. The agent agreed to file for account deletion after payment but the account is still listed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: POLARIS HOME FUNDING CORP
State: GA

Complaint narrative:
I received a letter in the mail from Polaris Home Funding Corp. This I learned after I called the number which made the letter seem as if it was sent from my mortgage holder. I called only because the letter indicated I had a mortgage balance significantly higher than I have. The letter includes the name of my mortgage company in large bold faced font, an account number under my mortgage company 's name, and the notation URGENT NOTICE! PLEASE ACT IMMEDIATELY! Again, in HUGE FONT. 
I called the number ( XXXX ) and left a message. The voice mail greeting on the number gave a name only and did not indicate the name of the lender. I received a call back from a man who informed me he was with Polaris. He informed me that if I looked at the very bottom of the very official looking letter I received, I could see in the XXXX point font that the letter was from Polaris ( vs the XXXX point HUGE font used at the top of the letter with my lender 's name ). He told me the info in the letter including my mortgage balance comes from the marketing firm they use and can be wrong but assured me that Polaris is legit. He told me Polaris is acting within its legal rights to solicit, and the letter I received complies with legal requirements. 
Really? You send an official looking letter with a loan number on it and direct the recipient to call in immediately. The phone number in the letter does not indicate it is from Polaris. The voicemail greeting on the number provides a name only does not indicate the lender. If this is legal, it should not be. I feel for older borrowers or those who may not realize they are being scammed into contacting someone under false pretenses aka a solicitation letter that looks on its surface to be from the borrower 's lender but is not. 
These letters should require the solicitor to identify itself on the outside of the envelope, under the phone number presented in the letter and when answering the phone/ voice mail greeting. 
To send out this letter and have borrowers call in and divulge personal information should surely be against the law/ truth in lending requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
Called my phone at work several times after asking not to call my work phone. Several times they keep saying they have no record of them calling and no record of me on tape saying not to call.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XXXX XXXX XXXX is a collection agency that has been paid. I have tried disputing their account multiple times due to their illegal and inaccurate reporting, yet it remains. This collection company is reporting this account as open, though it 's been paid for numerous years. They have it listed under installment accounts as though it was a cc though I never had a CC agreement with them, it was with GE Capital, the company they bought the debt from. They list a high credit amount as though they 're a CC instead of a collection agency. They list dates of serious delinquency like a CC. All tactics that as a collection company they are not allowed to use and if I remember correctly, they have had lawsuits filed against them in the past for these same illegal tactics to extend the damage they can do to consumers with regards to their credit long after the debt has been paid.

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 2016-10-20 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
To whom it may concern : On or around XXXX/XXXX/2016, I visited a newly built XXXX in XXXX, NJ. My only purchase was a white throw pillow. The cashier offered me a XXXX XXXX customer rewards card. I told her that I did n't need one today. She stated that I would receive an additional 10 % for signing up for one. I acquiesced and provided her with my information. I also asked her several times if this was a store customer card or a credit card. She confirmed several times that it was only a loyalty card. She handed me a form and asked me to add my SSN and sign the bottom of the form, which I did. When I finally came to my senses I realized that she had run credit. I IMMEDIATELY called for the manager of the store. She apologized profusely for the cashier making this error. The cashier DID NOT understand the difference between the loyalty card and the credit card. I asked the manager to phone customer care straight away so that I could have the inquiry removed from my report. They said that within 90 days the inquiry would be removed. On XXXX/XXXX/16, I received a letter stating that my application was declined because of income-THIS IS BECAUSE I DID N'T COMPLETE THE APPLICATION WITH ANY INCOME LISTED! I had no idea that I was applying for credit at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was completely duped by Synchrony Financial ( www.synchronyfinancial.com ; XXXX : SYF ) which was spun out from GE ( XXXX ). This company claims its roots in helping American 's purchase GE appliances in the Great Depression. What a joke! 

The story is that I purchased some sports equipment ( {$7500.00} ) for my rehabilitation from XXXX XXXX using what I understood to be a 0 % finance credit account for 18 months after which point I would then start to incur finance charges ( if not paid in full ). That 's perfectly acceptable to me, but XXXX things happened, ( 1 ) They charged me for all past interest on the card ( {$2600.00} ), and ( 2 ) the interest charge was a mind boggling 29.99 % APR. Outrageous! The sales person advertising the option at the time, sold it as why not take the credit, its basically free and then you just pay it off. I was shocked that such a thing could actually happen. 

Talking to their customer service of course be me online with call center in XXXX speaking with people that could only manage to recite company script. Given the accuracy and eloquence of the description I 'm quite sure that they have it printed out as part of the call center representative training. I think this really vilifies Synchrony, i.e. as a call center representative going to get numerous calls from angry people when we nail them with the steal their money interest charge, here 's what your read to them. 

I 'm sure they covered themselves in fine print legalese or perhaps it was lost in translation when GE spun out Synchrony, but I never received a call or any formal written notice that I was about to be charged nearly XXXX % of the amount I borrowed. One would think that your about to be charge {$2600.00} warrants at least a call to the home or a written notice. 

I basically assumed since I was then dealing with GE ( at the time ) that I was dealing with a company with 100+ years of integrity and strong reputation. Bad Assumption. It is the modern era, so I set up auto-pay to insure timely payment of my debt and I also set up paperless statements to be a good planet citizen. My bad. 

I 'm disgusted more with myself at being fooled, than with Synchrony who obviously know how to play the game in taking advantage of people. 

I filed this complaint to maybe help others from being fooled by Synchrony. 

They win again, buyer beware.

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 2017-03-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I applied for a credit card through XXXX to buy a new computer. Synchrony financial offered me a 0 % interest credit card. After three months I looked at my account activity and the company has been charging me a card security fee every month. I have lost about {$47.00}. I will call and cancel this. I never agreed to this fee. I think it is fraud and was in the fine print of the credit card information. Synchrony bank sucks!

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 2015-06-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was given Gift card to Lowes, I have a credit card with lowes and wanted to use the gift cards to pay against my balance instead of making a purchase. I could not do this online, so I went to the store they could not and would not do this. Finally I called lowes.com to help me get this done they refused it is against their policy nor will they cash out the cards so i can apply it to my payment. You are suppose to be able to use these cards for what you want, but that is not true you cant use them to make a payment. This is not right they are cash. Real money was used to purchase these cards and you should be able to use them how recipient sees fit. I do not understand how this can be right real money was used to get the card, and since they are money I should be able to use my money how I want instead of having to purchase products. I want this fixed for all consumers they either need to have a way for us to use these cards to make a payment or they need to refund the amount on the card in cash so that I can. Lowes will not do either they will not give me the money on the card so i can make a payment nor will they take the gift cards as a payment. My gift cards total XXXX so this important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 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: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's, a retailer I purchased a washer and dryer from, reported my XX/XX/XXXX payment 30 days late in error. XX/XX/XXXX payment paid 7 days early, confirmation # XXXX on XXXX/XXXX/XXXX. I paid XX/XX/XXXX 1 day after the due date, XXXX/XXXX/XXXX, confirmation # XXXX.

Company response to consumer: Closed with explanation