vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
When I began gender transition, and changed my name, my bank began becoming more hostile to talking to me on the phone. They told me I did n't sound like a [ my name ], and would become upset with me. When I tried to get to the identity verification process, they asked me to email them court orders, drivers licences, social security cards, and I have done all of this, and they have sent me a token ( like an RSA token ), but they forward me every time I call them to an extension that drops the call. 

I have been unable to access my bank account via my phone or via my computer login now for over a year because they view me as being " suspicious. '' The only way I am able to access the money in my account is with my debit card and with direct deposit into that account. I only assume that purchases work. 

This bank does not have local branches so I can not walk into a branch and show that I am who I say I am. 

Compounded by this, I used this bank for my auto and renter 's insurance. I no longer have access to any of this, which I accessed through the app on my phone, and all of the above has lapsed, and I can not verify who I am on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
I received a Pay Day loan of {$550.00} and could not pay on due date so I started to pay little at a time until I was left only with {$180.00}, on XXXX XXXX 2016, Advance America deposit my check withdrawing from my account {$550.00}, I immediately went to the office of Advance America and they told me that 's the way they do business. Question, is this legal procedures? I was planning to take care of the {$180.00} the end of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Carma Enterprises Inc
State: NV

Complaint narrative:
XXXX been told multiply times not to call my job cause I can get terminated..they were told this in middle of XXXX..told this on XXXX XXXX and again on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I have several hospital debts that have been referred to Optimum Outcomes. Unfortunately, this debts were billed and made known to me after I filed for Chapter XXXX bankruptcy in XX/XX/2015. My Chapter XXXX was confirmed around XXXX 2015. I keep receiving letters from Optimum Outcomes for accounts related to XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX for lab work. 

Currently, I am in XXXX XXXX bankruptcy and under law, they can not threaten to sue me or put a judgement on me while I am in Bankruptcy. Prior to filing for Bankruptcy, I attempted to obtain financial assistance from XXXX XXXX and they refused to provide any charity assistance. This puts XXXX XXXX 's non-profit status into question. Perhaps the IRS should look into their qualifications for having a non-profit status.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EMBRACE HOME LOANS
State: AL

Complaint narrative:
My Mortgage company ( Embrace Home Loans ) keeps transferring my loan to different companies for servicing. Their latest company is XXXX. However, after receiving the notice of transfer I still can not pay my mortgage or log into the provided website to check my balance. Also, the the XXXX customer service number is not working. 
The phone number for Embrace Loans is XXXX extension XXXX for the President XXXX XXXX. I 've called Embrace, XXXX, and XXXX and nobody can help me. Also, all the customer service people are located in the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
these accounts have been reported on my credit are not mine this company has received the police report and id theft affidavit along with my identitfication i have attached it via the cfpb and I have emailed it as well and they have refused to recognize or recieve the information that has been sent to them regarding the accounts with their company that are fraudulent

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Optimum Outcomes, Inc.

Complaint narrative:
Hi, I am from XXXX and I travelled to the XXXX last year in XX/XX/XXXX - XX/XX/XXXX for three weeks. I felt very sick on XXXX XXXX afternoon and went to XXXX XXXX emergency ( in XXXX, CT ). They performed tests, gave me medicine and discharged me in the evening. I gave them my travel insurance details and my XXXX address. 

Yesterday ( XXXX XXXX, 2015 ) I saw a missed call alert on my phone XXXX XXXX XXXX - when I called back on the number - I learned that they are from Optimum Outcomes debt collection agency. The lady on the phone informed that XXXX XXXX forwarded my account to them for debt collection and that I owe them {$4000.00}. 

I then called the hospital and spoke to XXXX XXXX. She informed me that my account was sent for debt collection because insurance company had denied the claim. I told her that hospital had never sent me any EOB or bill or notification of this denial. XXXX XXXX informed me that I was not sent any bill probably because of an XXXX address. 

Can the hospital share my account details with a debt collection agency without giving me any notice? They did n't even send me an EOB. If they had problems in sending communications to XXXX address - they could have asked for a XXXX address ( a friend 's address/office address ) at the time of visit. 

It has been several months since the date of service and I am not sure if the insurance company will entertain the claim. This {$4000.00} equals approx. XXXX XXXX. It is a very large amount that I ca n't afford. If the hospital had informed me of this amount after denial ( they had my home address and email address both ), I could have talked to insurance company in time. 

I am an XXXX citizen living in XXXX. I do not want to have a bad credit history in case I get an opportunity to live in the XXXX in future. 

Requesting your help in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 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: Convergent Resources, Inc.
State: NV

Complaint narrative:
I moved from XXXX to XXXX in XX/XX/XXXX. My old cell phone company at the time ( XXXX ) did n't work at my new home, so we reached an agreement to quit my service so I could switch to a cell phone provider that works. Since XX/XX/XXXX I 've had XXXX, just passing my 6 year anniversary with the company in XX/XX/XXXX. In XX/XX/XXXX Convergent Outsourcing Inc which I believe to be located at Convergent Outsourcing , Inc . 
XXXX, XXXX, XXXX, AZ XXXX, placed a collection in my account representing XXXX for {$520.00}. This practice of placing a false debt on someone 's credit reports is illegal. Even more illegal is misrepresenting the time period of account in question. The collection account in question has been placed on my XXXX and XXXX credit reports and has no representation of my credit worthiness, and I 'm now stuck with a sub par credit score and one of the worst possible statuses on a credit report. Because the collection is so recent, it factors deeply into my credit score and has caused me a burden of applying for credit in the future. 

This account needs removed from both credit reports as it is false debt that has been misrepresented by this company. 

I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
XXXX XXXX, Take this number XXXX out of your XXXX atomated calling. You have no XXXX reason to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc.
State: NE

Complaint narrative:
I never received written notification of the debt when I found the debt on my credit bureau I found that they had reported the account to the credit bureau twice effecting my credit score as well as my wife.

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 2015-06-20 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 have had government medical insurance and have not needed to pay for any medical services for the past ten years. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Royal Pacific Funding Corporation
State: CA

Complaint narrative:
I and my co-borrower have recently canceled our purchase of the property at XXXX XXXX XXXX CA, due to bad communication practices and a botched loan process from our loan officer XXXX. Now we also are dealing with the bully tactics from the seller Realtor/broker XXXX who is trying to take our {$10000.00} Escrow monies that are protected by a Contingency. These XXXX characters need to be investigated and reprimanded. Also, the seller Realtor/broker XXXX had his license suspended last year XX/XX/2015!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: NE

Complaint narrative:
The daily phone calls are coming to our home landline. A recorded message does not ask for anyone in our household by name. It says it is an attempt to collect a debt and rattles off another number to call back. It does not repeat the call back number. I believe the number is : XXXX. We are on the national do not call registry.

Company response to consumer: Closed
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
This firm represents XXXX XXXX XXXX in a personal XXXX lawsuit. It was later determined, after correspondence mailed XXXX were never responded to, XXXX decided to simply turn their outstanding XXXX bill to CMRE Financial Services. On XXXX XXXX, 2015, this firm contacted and spoke to a " XXXX XXXX '' who repeatedly since XXXX XXXX, 2015, has indicated that our phone conversation was being recorded and that she would fax the bill so that the bill could be resolved at the time of settlement. To date, as of XXXX XXXX, 2015, XXXX XXXX refuses to submit the outstanding bill to this office despite receiving a HIPPA Compliant Medical Authorization for the release of medical records and " billing '' and a letter of representation signed by our client XXXX XXXX. The Account Number is XXXX and after this communication with your establishment, we will be filing a Complaint with the FTC. Her direct line is XXXX ; XXXX XXXX XXXX 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: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I switched cell phone providers in XXXX XXXX ; left XXXX after being with them for more than 10 years and moved to XXXX XXXX XXXX. In XXXX XXXX my online XXXX account was suspended. I received a bill in the mail from XXXX in XXXX XXXX providing the amount owed. I made a payment via check and mailed it to XXXX in XXXX XXXX. I got a letter from XXXX stating that I had access to my online XXXX account again. I went online to make another payment this week. The very next day I got a phone call from a debt collection agency. The caller stated that XXXX gave my account to debt collection agency. I am outraged. I am currently paying this bill, I have not failed to pay, I have paid online. XXXX gave no notice that the account would be going to debt collection. This is complete bullying by XXXX and they need to be held accountable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CMRE IS IN POSSESSION OF MY MEDICAL RECORDS. I HAVE NEVER GIVEN THEM AUTHORIZATION TO SHARE MY INFORMATION ON A DEBT THAT WAS PAID THROUGH INSURANCE ON A MEDICAL DEBT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I 'm a victim of identity theft and someone opened up account in my name that im not responds for.

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 2017-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and noticed a collection from CMRE. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CMRE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 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: MI

Complaint narrative:
I just got a notice from a debt collector claim I owe {$120.00} but I can settle for {$44.00}. I dropped sprint in 2006 for bad service and bill was paid. Also, there is a statue of limitations. I do not owe this debt and it should be on my credit report. This company has not verified the debt. Also, the debt collector did not address what to do if this debt was not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I made a payment to my account on XX/XX/XXXX. I have sent the bank all of the proof that it was delivered on XX/XX/XXXX. I also provided a copy of the cashed money order that was cashed on XX/XX/XXXX. It was cashed by the bank. It is XX/XX/XXXX and after talking to the bank Rep they claimed that they have n't received any of those items that I have the proof that it was delivered and cashed by the bank. Synchroney 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 monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I applied on line in XX/XX/XXXX Looking for a lower interest rate or 0 % for a few months it asking would want to do a balance transfer if I was approved. So I gave the information. It said I had been approved but never said the interest rate. Or anything else. I got kicked out of my home. So I never got the credit card to activate or decline the card. A month later the did the balance transfer without my permission. I called spoke to a supervisor names XXXX.Told him I did not want the card because the interest rate was w a y to high. He apoligisted said he would take care of the problem He said he would close the account and I would owe nothing. Now it 's showing on my credit report months later.

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 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Fidelity National Information Services, Inc. (FNIS)
State: PR

Complaint narrative:
XX/XX/XXXX Certegy was fined $ XXXX by the FTC for inaccurate reporting to credit agencies and for making it overly challenging for consumers to have it corrected as Certegy Refuses to do the proper research as required by law. They are still operating under these procedures and I am tired of this company destroying my credit. Certegy claims that in XX/XX/XXXX I had a check returned and unpaid that I wrote to Go-daddy. I have pulled up the receipt from the XX/XX/XXXX transaction with XXXX and it shows that it was paid with a credit card and settled in full immediately. I contacted Certegy and they stated that they have no records of the transaction but they continue to report to the credit agency that the check was a write off. The only possible explanation I can think of ( which I had to make up in my mind because there is no evidence of it ) is as follows. I had XXXX XXXX set up to pay by electronic check. When I moved to XXXX and opened a new account the payment did not clear as I had the old account closed. This showed as a returned e-check but was immediately paid by the secondary payment option ; my credit card. However ; Certegy stepped in the middle and says I had an unpaid bounced check. Certegy tells the credit agency it was never paid but then tells me they have no record of the transaction. I have the paid receipt and credit card transaction. How is it possible Certegy can claim to the credit agencies that I had a returned check on XXXX XXXX, XXXX when I have a paid credit card receipt for the transaction on XXXX XXXX XXXX, they tell me they have no record of it, AND ; I still have the XXXX account, have run thousands of dollars through it and sold the URL that was paid for in that transaction to another party 18 months ago. I have pulled up my XXXX account going back to XXXX and there is no returned payment for {$81.00}. However ; there is an {$81.00} paid transaction on a credit card on the same date. I have attached the receipt and the account history. I have been trying to get this off of my report for over two years. All Certegy and the XXXX XXXX do is send electronic messages instead of doing actual research like they forced me to do. I should not have to be the one to prove my innocence in this case. If they are going to put something on my credit report they should have to prove their claims.

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 2016-04-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Paypal Credit Card and Paypal Smart Connect ; I did not apply for the XXXX and was paying the Credit Card. Then I started receiving calls from a collection agency, I spoke to the woman, told her i could show her where I had just paid Paypal online payment, if she would give me an email address that I could forward to.I think the company 's name was XXXX XXXX out of XXXX, TN Area. This company continues to call me 3-4 times a week. I still charge online purchases through paypal and make payments online through them. But the collection agency continues to call and tell me I owe app XXXX. I have asked them to stop calling me and finally stopped answering when I would see their number. The number they were calling was 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 monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My credit limit with my card is {$8000.00}. I wanted to make a purchase for about {$15000.00} on the card, and so therefore, I prepaid my credit card by {$7000.00} to effectively increase my spending limit to {$15000.00}. The card issuer did not restrict me from making the prepayment and therefore I did so. When I made the purchase, it was declined. Upon talking to customer service at the credit card company, they said that the act of prepaying the card does not increase temporary increase the credit limit -- contrary to intuition of providing the card company with a secured prepayment. I then authorized a hard pull on my credit to see if the limit could be permanently raised to {$16000.00}, taking into consideration the prepayment. The hard pull was performed and the request was denied. This hard pull will impact my credit for the next two years, and the company would not allow me to consolidate this hard pull with a previous hard pull I made to increase my credit line in XXXX 2015. 

In summary, I would like to make a {$15000.00} purchase with my card, and I prepaid the card by {$7000.00} thinking the limit of {$8000.00} would be effectively raised to {$15000.00}. This card company will not allow me to do so, and I believe it should since I provided a secured prepayment.

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