vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I received a " Letters Of Dismissal '' from the " Office Of XXXX XXXX XXXX XXXX, Administrative Law Judge '' dated XXXX XXXX, 2015, telling me that charges by " XXXX XXXX XXXX And XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) for the doctors charges ( {$24.00} ) and the hospital charge ( {$150.00} ) had been dismissed by a Administrative Law Judge ( XXXX ) and the original debtor, XXXX XXXX XXXX XXXX XXXX XXXX, that they agreed not to pursue any payments from me. The collection company, '' Designed Receivables Solutions, INC '' I, refuses to acknowledge this and will not take this debt off my credit report to the XXXX major credit reporting agencies ( XXXX, XXXX, XXXX ) I filed a complaint with XXXX and XXXX. They ( the collection company ) did have the collection debt removed from XXXX, but not with the other XXXX credit reporting agencies ( XXXX and XXXX ). I sent them a letter with copies of the dismissal letters and a copy of the their bill asking them to stop calling me and take this collection debt off my credit report, on XX/XX/XXXX.They have n't done so, as of this date XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Weinberg Mediation Group LLC
State: OH

Complaint narrative:
On XX/XX/2017 at XXXX XXXX with Weinberg Mediation group left a threating voice mail message with a false case number and threat to sue 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 2015-05-05 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
I did paid off Discovery Card with XXXX Bank XXXX XXXXXX/XX/2015 on-line XXXX. A few minutes later I found that money on account XXXX Bank is not enough and I deleted this transaction. I made a payment in a few minutes through the XXXX XXXX Bank in the Discovery Credit Card. However, I found that Discovery still withdraw money from my XXXX Bank account XXXX times and each time the XXXX Bank took with me {$35.00} for insufficient funds in my account. 
I spoke with representatives of the Discovery of this, after I discovered that they did not return the money in the XXXX Bank, I spoke with the manager XXXX. The money was not returned to me, and even then XXXX again withdrew money from my account at XXXX Bank on XXXX XXXX. My question is who will pay me {$100.00} for the " insufficient funds in my account, '' XXXX told me that this will make the XXXX Bank. When I was in the branch of XXXX Bank, they told me that it is the fault of XXXX, and they owe me the money back. 
I ask your help in this matter. 
Thank you. 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
The following debt for XXXX was paid in XX/XX/XXXX not only sid i pay XXXX but i also paid the Oringal collection company XXXX XXXX dollars. After the debt was removed it was resold to convergent outsourcing what appears to be in XX/XX/XXXX. This item was removed from my report over 6 months ago and is now on my XXXX report. This debt has been paid and documentation was provided to XXXX. This item should have not been sold and should not be on my credit reports at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Sprechman & Associates, P.A.
State: FL

Complaint narrative:
Law firm, Sprechman and XXXX, P/A. did cause to be delivered to complainant without explanation or cover letter, a Waiver of Claim of Exemption form, in an attempt to deceive complainant into waiving a right to claim exemption and request a hearing. Complainant answered with a Claim of Exemption Form. Law firm then filed a motion under oath, denying complainant 's claim of exemption. Complainant then provided law firm with Federal Tax Return, pay stuff, Social Security Benefits letter. 

Law firm continued to move forward and filed a claim with the XXXX XXXX XXXX XXXX, and complainant 's employer, XXXX XXXX XXXX XXXX XXXX. 

Consumer alleges Law Firm has flagrantly violated Fair Debt Collection Practices Act, 15, U.S.C., 1692 ( e ), A debt collector may not use " any false representations or deceptive means to collect or attempt to collect a debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Firstsource Business Process Services, LLC
State: KY

Complaint narrative:
A company is trying to collection many medical debts which are also listed on my personal credit file. I have requested several times for verification which this company will not furnish a signed authorization allowing medical bills obtain. They just furnish a statement which proves nothing. I asked to validate the numerous listings on my personal credit file and again all I receive is statements. Years ago many years ago I did have a bunch of medical bills but were taken care of years ago. Is n't there laws on validating a debt a collection agency is trying to attempt to collect? I know that every time you go to the doctors and or hospital they have you sign an authorization form. Please help assist me with these. There are a total of XXXX listed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
Our original Mortgage was through XXXX. They were picked up by XXXX, then passed on to Greentree ( XXXX ). They got into trouble and was picked up by Ditech. When Greentree acquired our mortgage I was at a XXXX with my wife and out of the loop for over 60 days ( XXXX to XXXX ). I continued sending our payments to XXXX, they in turn sent the payments on to Green tree. Greentree jumped our payments, stating our Escrow account was delinquent. It was not, but we sent the extra amount without question. At the end of the year they had to return the overage back to us, some {$920.00} by federal law. Ditech tried the same thing about the Escrow account. We ignored the the request because we had received some {$1400.00} with the understanding it was an overage to our Escrow account from Greentree. We continued sending our original amount and have never been late nor missed a payment to Ditech. Ditech and Greentree tried to force us into refinancing by threatening foreclosure. We were referred to XXXX. We would have been approved and charged {$3000.00} and returned to Ditech as our mortgage holder. We refused the loan and continued to make our original payments. About 2 months back we received a package in the mail to reduce our payments from the original amount of {$630.00} to $ XXXX and adding the famous {$3000.00} to our $ XXXX amount left on the mortgage. We called for a final payoff and found Ditech had jumped our mortgage by {$3000.00} without our approval. We have been sending our payments of {$630.00} registered with a return receipt to prove we did not approve their offer. We have sent a complaint to Oregon Dept. of Justice and to the state agency that approved Ditech to operate in the State of Oregon. Copies of our complaints will be sent to your org. in a later submission due to scan problems.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX16 I shopped at an XXXX store wherein I had a large purchase. During the checkout process, the cashier said that if I applied for a store credit card, I would save 15 % off my transaction and I really should do it based on how much money I was spending. I said " No thank you, my husband will kill me if I opened a credit card, I will pass. '' The cashier said that I had the option to fill out the application but I do not have to submit it. This obviously sounded too good to be true but she ensured that she would n't be submitting any app since I declined and I would be using my card for the purchase. I took it as an employee thing where they just need to show filled out applications to show that they were offering it to customers. At the end of my transaction I again confirmed that I was not submitting any application and I was assured that I was n't. I swiped my card, signed for the transaction as I was told and went on my way. I did not realized that I was lied to about this until later receiving a card in the mail. I immediately contacted the credit card company on XX/XX/XXXX16 and explained what happened. I was told by the representative that they would close the card AND DELETE THE ACCOUNT OFF MY CREDIT REPORT. I explained that I did need to return some items ; therefore, the rep instructed me to return them on the account and then contact them back to proceed with closing the account and removing it from my report. I went to the store the same day and made the return as I was instructed. A few days later I contacted the company back to proceed. This is when the associates became rude and combative stating that I agreed to terms and signed for them. This is untrue as I was told I was signing for my purchase on my card and I was n't submitting anything! So essentially, it 's not safe for me to shop at old navy unless I use cash only because I would have no way of knowing what I am signing for because the reps selling the credit card lie. I escalated my concerns with the credit card company and they advised they would investigate this but it would take 60 days. I just received a letter in the mail stating the card will remain on my credit file as I agreed to open it. This is again false. I am confident in my rights as a consumer and very familiar with the laws. I know that per FCRA a financial institution is not required to report an account, but if they do then they must report accurately. Therefore, there is no reason why they will not remove the account that I never even authorized to be opened in the first place. Especially after I was told by their company that they would delete it originally. Why is this call not being reviewed and why are they not holding themselves accountable?

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 2016-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc.
State: AZ

Complaint narrative:
I have been getting calls on my cell phone for someone elses debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am a victim of identity theft of Barclays Bank Delaware credit card opened on XX/XX/XXXX by someone using my personal data. I have provided all necessary documents, the police report and the FTC Affidavit report, to the Bank in order to justify as proof that I am the victim of identity theft. 
I am very disappointed with the Barclays fraud investigation process. I have mailed several letters ( via certified mail ) with my many important questions but I have never received any responses to my questions. I demanded answers to my list of questions, however, the Bank has not yet responded to my questions. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ). 
In my last couple phone conversations with the Barclays fraud investigators, their final conclusion of the investigation was that this card was activated by a phone call made from my home phone. I requested the Bank to mail me proof of any documents to support their claim. So far I am still waiting for their answer from the Bank along with many other questions as stated in my letters. I also asked the bank to stop harassing me with phone calls 3 to 4 times per day consistently and sending me letters to collect the money that I do not owe, and now the bank engaged the debt collector, XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
At this point, I believe I have provided all documents to justify that this is a fraudulent account and that I am the identity theft victim. Please help me to clear this ongoing issue with Barclays Bank.

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: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX of 2015 my hours at work were cut from 40 hrs to 20 hrs per week. I could not pay the full payment on my Walmart Discover card and started sending only {$100.00} which was all I could afford. On XXXX XXXX I called the number on my statement and spoke to XXXX. I explained what happened and he said he would have to connect me to an account specialist. Twice I waited on the line for ten minutes and no one ever picked up. I tried calling the number on the Synchrony Bank letter I received in the mail only for it to be XXXX. I would like someone to listen to what I have to say and stop adding late fees to an account I can not pay off any faster than I am. They also charge too much interest. I have not used this account in over three years and it has not gone down. I even dropped the XXXX insurance hoping it would make a difference but it did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I purchased an electric shaver from XXXX on XXXX XXXX, 2014 for {$63.00}. It was lost in shipping and I never received it. I contacted XXXX on XXXX XXXX, 2014. They agreed the item was lost in shipping and shipped a XXXX shaver. They also granted me at {$7.00} credit for my inconvenience. 

I received the XXXX shipment, but never the XXXX. My spouse did n't like the shaver so I returned it. Despite at least XXXX phone calls to EACH XXXX and Barclays, they keep recharging me for this item. I have NOTHING. I returned the XXXX item I received. I am out {$77.00}. I can not keep calling. 

This MUST XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT - XXXX XXXX REBILL-XXXX XXXX REBILL-XXXX XXXX XXXX XXXX REBILL-XXXX XXXX, I do n't even want a refund. I want NO MORE XXXX charges to appear on my account -- ever. I want them blocked. They are being vindictive. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
SYNCHRONY Bank/Amazon I place an order with XXXX in XXXX, I returned the defective item XXXX XXXX, Amazon received the item on XXXX XXXX but never issued a refund to my credit card. I called the card company today wanting to dispute the charge the bank told me they wo n't do the dispute and to call Amazon. Today I have been on phone with the bank and they said call amazon. I was on with Amazon they said call Synchrony bank. This happened about XXXX times today. I did close my account with this bank behind this issue. I paid the all the bill except {$53.00} the amount of the credit I am due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I would like to file a complaint about a representative I spoke with while trying to get help during a financial hardship. I was nervous to call because I am behind on payments. I explained my situation. I told the rep " I went through a messy divorce this past year and I 'm trying to get back on top of my bills. '' The representative seemed sympathetic at first but then said, I do n't know if I should congratulate you. What type of response is that? This made me extremely emotional and I could barely speak to get through the rest of the call. No, I do n't want a congratulations. I am left broke with a XXXX-year-old little girl. I am willing to pay towards my balance, however, the representative had XXXX personality and did very little to offer any help. I ended the call in complete tears.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Repeated, continuous calls all day everyday as soon as I 'm 1 day late on my payment to Conn 'S and calls continue everyday, all day until payment is made. I could be just 1 fay past due and I get harassed. No other company does this to me, not even my mortgage lender or my car loan company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have an account with synchrony bank and a balance that is only 18 days past due and they continue to call me almost every two hours from an " unknown '' number about this balance. Although their number comes up as unknown, it leaves an automated voicemail stating that it 's synchrony bank and they require a payment. It 's absurd, annoying and basically harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a Gap credit card on XXXX XXXX, 2010. I had years of good payment history, however, soon after moving to XXXX, XXXX, despite notifying them of my new address, they were sending my bills to a XXXX XXXX that was in my mother 's name, in XXXX. I contacted them many, many times about this issue, and had previously submitted a complaint against them. I tried working with them, and they pushed me to make my payments online, but I explained that I paid all my accounts with checks, and did n't feel comfortable using their online platform to make payments. There were several attempts on my part to get my address corrected, and get my statements sent to my home. Each time, a rep assured me that the issue was corrected, but then I would never receive my statements. Finally, they contacted me to say that they were closing my account. I have 5+ years of history on this account and a good limit, all of which were good for my credit score. They closed my account because I missed some payment, but I missed those payments because they did not send them to me, and I could n't review them. Having this account closed negatively impacted my credit history. Now that the account is closed, they have finally figured out how to send my statements to the right place, and I 've been paying on time, like I always had, before this was an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I just filed a complaint with the XXXX about this, because I have already emailed customer service previously about it, and you STILL allowed your LIES AND FALSE ADVERTISEMENT to continue!!! The XXXX complaint number is XXXX. 

I feel like your company has FALSE advertisement, which is ILLEGAL!!!! You provide FALSE information when you LIE, and state that after 5 months of satisfactory credit history with your company, you will automatically increase the credit amount. I HAVE HAD EXCELLENT, EXCELLENT history with your FALSE ADVERTISEMENT company. I have charged up my card, multiple times, and then COMPLETELY paid it off. Then charge up again, and then COMPLETELY pay off again! I HAVE EXCELLENT history with your company, and YOU FLAT OUT LIED TO ME!! YOU ILLEGALLY gave me FALSE information about automatically increasing credit limit after 5 months!!! YOUR COMPANY SHOULD GET SUED FOR YOUR ILLEGAL FALSE ADVERTISING!!!!!! 

I also spoke with a XXXX XXXX from the president 's office, and he lied to me, and stated that he has never heard of anything about automatic increases in limit. I am attaching from their website that states that they do.

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