vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Account # XXXX XXXX XXXX Care Credit Synchrony Bank GE I entered into a debt management plan with XXXX XXXX XXXX XXXX XXXX XXXX which set up a program with Care Credit GE Synchrony Bank on my behalf. Prior to setting up the XXXX plan I cancelled a plan with another firm called XXXX ( due to service and fees ). Care Credit cancelled my XXXX account in error. I have made over 15 calls to Care Credit to speak with Care Credit XXXX with no access to their department and thus no response. No one at Care Credit would help addressing this mistake. XXXX has made XXXX calls on my behalf. Recently XXXX and myself tried to set up a XXXX conference call which placed us only in an automated message. I want to speak with Care Credit to address this mistake. My account has been negatively affected due to this misunderstanding

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 2017-03-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I applied for a Care Credit card ( Synchronicity Bank ) in XXXX. The application was approved. I used the card once for an emergency veterinary appointment in the spring of XXXX and paid the balance in full over a period of a few months and have not used the card since that time. On XXXX XXXX, XXXX, my cat had a life threatening emergency so I took him to the vet. When it was time to pay for the charges, my Care Credit card was declined. Today, I spoke with Care Credit and was told that, some time in between last use of the card to present day, they ran my credit report and decided to close my account. I never received any notice of this and it caused a major scramble to come up with funds to pay for emergency care for my cat, along with undue embarrassment. Since the time of my application to Care Credit, my credit rating has improved and has not degraded. Therefore, the reason I was given does not ring true to me. I believe the card was cancelled due to inactivity and not carrying a balance. Perhaps they did not believe I was " profitable '' to them. But, to cancel the card without notifying a customer is absolutely inexcusable because many individuals rely on having that card in case of emergency, which is exactly why I applied in the first place.

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 2017-02-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
The calls start at XXXX most times I am called 2-4 times a day every day yes I do owe them money but calling me back to back wo n't get it.

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 2016-05-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I made a payment and also enrolled in auto-pay so I would n't have any late payments or late payment fees. I heard Walmart had a habit of charging late fees. Since I enrolled in auto-pay and made a payment to stay current I was charged a late fee. I called them to inquire and they said they would removed the late fee. I just checked and the late fee was never removed. I again just scheduled another payment. I hope it 's credited to my account this time.

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 2015-04-12 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Wal-Mart / Synchrony Bank is reporting a XXXX balance chargeoff on my credit report when, in essence, the account was never paid late. Moreover, they have put the account {$280.00} over my initial credit limit of {$400.00} which is lunacy. Finally, the company STILL has not made me whole after CFPB found Synchrony Bank ( the owner of my account ) /GECRB to have illegally offered credit card protection products. 

It should be noted that I currently have a TCPA complaint filed against XXXX XXXX XXXX, the current collection agency assigned to this account. This is still in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
applied for CareCredit for my dog 's XXXX and the XXXX charge XXXX/XXXX/16 and I guess I was on a " deferred credit '' plan that I understood as they would charge interest back to the beginning but calculate it base off the monthly balance deferred not the whole balance even amounts they were not carrying. My deferred credit deadline was XXXX/XXXX/16 and my balance was less that XXXX and I was charged {$380.00} interest and was told that was calculated carrying the full balance even though they did n't the full 6 months. 
I understand calculating deferred interest based on what the balance would have been but on a balance they did not carry seems wrong. I would like to understand how these charges can be lawfully calculated and find out if I was overcharged. I would like my account reviewed to verify my charges are " legally calculated ''.

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 2015-07-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I tried, in many different ways, to contact the credit reporting company and dispute the issue but was unsuccessful. They told me that the account in question was now in the hands of a collection agency so they could not talk to me. Apparently someone opened this GAP credit card account in my name, with an address at which never lived, an my personal information, and went on a shopping spree. I never knew about it ( because I never received any statements ) until I got the calls from the collection agency. They were so disruptive that I ended up paying the debt to the collection agency ( see attached ), as they would call at any time, forcing me to turn off the phone during classes, etc. 
Bottom line, I have never lived at this address:1625 XXXX XXXX XXXX , XXXX , VA , XXXXand I never opened a GAP/SYNCB credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I called Synchrony Bank today to pay my bill. After waiting ten minutes for the representative to find my XXXX account using my social security number, he told me he could not find it. I have already filled a complaint regarding this account after a {$240.00} payment was not applied to my account in XXXX 2015 and my account was sent to collections. I have already spent multiple hours over the last six months trying to locate my account in order to have my account updated and only when I finally filed a complaint here with the CFPB was anything done. At the end of XXXX, I received a correspondence from Synchrony Bank explaining what had happened. So, I called today to make my payment on my remaining balance even though I have yet to receive an updated bill and they could not help me. The representative asked for my social and said he could not find it. I was not even comfortable paying them in the first place since they lost my money the first time and then sent my account to collections despite their own error. I do not trust this company and this last interaction is only confirming what I already know - that they are incapable of treating customer fairly and doing their job. I am absolutely flabbergasted that this company can continue to take advantage of consumers with their disorganization and wrongdoing. Because of this XXXX account, my credit has continued to worsen as they took their time " finding '' my account. And now I am having to again XXXX them around to pay them, which again may harm my credit. This has to stop. I am sure that this company has had numerous complaints and it is not okay that I have to now spend many more hours of my life trying to pay something that should take 30 seconds. I want my debt gone from this company and to never have to deal with them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I sent a letter to BARCLAYS BANK DELAWARE letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and BARCLAYS BANK DELAWARE refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. BARCLAYS BANK DELAWARE provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

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 2016-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: OR

Complaint narrative:
When i was in defualt i was called and said if i do the rehabilitation program it would remove all information regarding my past negative student loan information reported to all XXXX credit agencies. The guy on the phone insisted this would happen and siked me all up about it i did default on my loans from nelnet. And now navient purchased my loans. And neither one is claiming anything would be removed only tge status will change to transfer. 

This is really misleading. I was under the assumption this would be removed and a year later still there. I think they need to stop promising this to people and get there money when they get there money. Im still paying everymonth on time but its just making me want to say forget this get your money when I die. I have other larger problems like taxes i have to take care of. 

Something should be done they should not be able to say that to people. I was hoping it would better my financails and i could get a good interest loan to help consolidate my debt then eventually buy a house some day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
On XXXX XXXX at XXXX hrs I received a call stating I owed an amount on a XXXX which I know nothing about. I called XXXX and they had no knowledge of it. The number on a reverse look-up showed it to be convergent outsourcing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo Bank is holding a refund of {$3800.00} due to me from a refund of private mortgage insurance. When I contacted Wells Fargo I was told the refund was credited to my escrow account, which at the time had a {$1.00} shortage. I have spoken with XXXX different supervisors and have submitted a complaint in writing. It is my understanding, by law, Wells Fargo has 45 days to process the private mortgage insurance refund. I received a letter dated XXXX XXXX, XX/XX/2015 informing me of the refund. As of XXXX XXXX, XX/XX/2015 I have not received anything, putting them well past the 45 day time period. I have also been informed that a bank can not withhold money due to a customer from a PMI refund and apply it to a different account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
They call repeatedly. Sometimes 2 or 3 times a day. When I answer they hang up. If I do n't answer, it goes to voicemail and they do not leave a message. If I call them, it hangs up. 

After about a month I decided to call until I got someone on the phone. After several calls, I got an automated message telling me someone would be right with me. When it finally connected to someone, they hung up. After repeated attempts, I got a person on the phone. I repeatedly asked that they identify the company and they refused. Only after I identified myself and threatened to report them to our Attorney General did they identify themselves by name only. When I asked the purpose of the call, their only response was to ask information about my paypal account. When I refused, they hung up. 

I researched the company online. They are a debt collection company. As such, I feel their actions are a clear violation of the Fair Debt Collection Act. Specifically, subsection 806 Harassment or Abuse. They repeatedly called, only to hang up when someone answered, which can only be considered an intent to harass. Also, they placed calls without meaningful disclosure of the their identity, and when requested to identify themselves, they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I HAVE A COLLECTION SHOWING UP ON MY CREDIT REPORT WHEN THIS ACCOUNT WAS PAID IN A SETTLEMENT. THEN THE PHONE WAS RETURNED BECAUSE OF NO SERVICE IN MY AREA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 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: Harvard Collections, LLC
State: OH

Complaint narrative:
I dispute the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I disputed my responsibility to the debt, I had an insurance added to both of my accounts. Which prevented my from the obligation of the debt. If the following occurred, loss of income, accidents, and XXXX. In 2014 I suffered such lost, my creditor refused to work with with me. Even though I paid them for 5 years a XXXX dollars a month extra with each payment for this protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Within a span of almost two weeks, the subject caller has placed several calls to my cell phone and home phone numbers from various local area codes, even tough the company is located in XXXX, WA. In addition, the company has failed to provide the 5-day notice as required by the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XXXX I mailed CMRE a demand for validation for an account they had reported on my credit report. The company has failed to provide me validation of the account and perplexingly replied and asked that I was responsible for providing you with more information and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

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 2016-11-12 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: IL

Complaint narrative:
Look, I just got this letter today regarding a {$760.00} debt!!!!!!! I ai n't paying for it, cuz I did n't do it ... and that 's all there is to it!!!!! And I no longer reside at the XXXX Address either!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
I have notified Optimum Outcomes that I was a victim of Identity Theft and I provided Optimum Outcomes with a Identity Theft Affidavit. To date, Optimum Outcomes has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 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:
On XXXX XXXX, 2011, I was arrested by XXXX XXXX XXXX District Attorney 's Bureau of Investigation. Before booking me at the XXXX at the XXXX, booking number XXXX, I was taken to the XXXX hospital to be check out. Why that was done I do not known? But since I was in handcuffs, I had no say so in the matter. All so, I would like to point out that at the time, I had my own Doctor. His name was XXXX XXXX XXXX located in XXXX, ca. Since 2011, I have tried to resolve this issue with CMRE Collections but to no avail.I have letters and information verifying everything I had said. In fact, I sent CMRE collections a letter showing that I was in police custody at the time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Firstsource Business Process Services, LLC
State: NC

Complaint narrative:
this acct is showing up on my credit report when it is not mine and yet it has not been removed i have faxed copies of my information police report / id theft affidavit and identification in this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Accounts Receivable Consultants Inc.
State: TX

Complaint narrative:
This dentist appt was back in 2012 and I was under XXXX XXXX dental insurance. 
XXXX XXXX did not file the claim with XXXX XXXX as I was 100 % covered for any dental services. I have explained this to XXXX XXXX and ARC-This is a case of complete incompetency on XXXX XXXX part and even more so with ARC. 
We do not owe this debt-it belongs to XXXX XXXX and XXXX dental should go to them and collect the fees. No services were provided in any way other then to attempt to talk me into whitening my teeth. The receptionist at XXXX XXXX has stated that they have just sent 12 years worth of unpaid acct receivables to ARC and they are getting bombarded with calls about not owing the debt. ARC has been calling repeatedly both my wife and I. My wife was the primary insured and has no responsibility whatsoever and has no relationship to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
I would like to know how to contact Havard Collections to close outa debt owed and to have it lifted from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Central States Recovery, Inc.
State: OK

Complaint narrative:
There is collections reported to my credit reports but I do n't have any knowledge of the alleged debts. I have n't received any calls or anything in the mail regarding amounts due.

Company response to consumer: Closed
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Mid-Atlantic Consumer Services
State: NM

Complaint narrative:
Contacting my father and other family memebers on theirr cell phones and at their jobs. They have never mailed anything to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
I had my credit score ran 2 times by Spring Leaf and I never gave authorization to run my credit. When I called the office they gave me another number to call. When I called that number, they looked up my account and said I had to send them proof or they were not going to take it away. They said it really was n't on there, but when I looked on my credit report it was, 2 times.they blew off my complaint by minimizing my findings, saying it was n't on there the credit report is wrong, I had to tell them multiple times. This was around XXXX, I threatened to contact cfpb and hung up the phone ... ..now near XXXX same day, I checked and the inquiries are gone, but the fact is they STILL ran my credit without my persmission and I think they need some sort of repercussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc.
State: TX

Complaint narrative:
I never been to this hospital I am a veteran I go to the hospital for free

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