vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have an account with the Synchrony XXXX.  They offer no interest for a certain amount of time which I have used and paid the amount off within that time limit.  A flooring company used this card and I asked for XXXX year no interest which I had done before with a lessor amount charged.  In XXXX months I saw that the amount was due so I called the company and explained the XXXX year request and the representative of the company assured me that they would honor that and give me an additional XXXX months.  The next month I discovered that they had not and I owed more than the original charge when the XXXX month interest (30%) was added in.  I called back and the person I talked to and her supervisor said "tough luck".  They would not give me the extra XXXX months that the other had promised.  I would have paid it off if I had known I wouldn't have the extra time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Care Credit XXXX Synchrony Financial XXXX relies on inaccurate credit information and refuses to increase loan amount to {$6000.00}. Second their record are in disarray and show no current line of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Multiple calls before XXXX XXXX in my time zone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
First I am complaining about a fraudulent transaction by XXXX on my Barclay MasterCard ending in # XXXX. I made a legitimate purchase on XX/XX/2016, but after much delay in receiving my purchased items. I contacted the company directly, and hey hold that per XXXX the package was delivered and signed for. However, while I can not dispute what XXXX claims to have occurred, I can attest, that it was not me that received and signed for the package and I have not received them to-date. 

After speaking with the vendor and getting nothing of production, I 'm forced to begin acting as my advocate in the return of my $ $ and must purchase elsewhere.. It is not my responsibility to find the package they sent, it is their responsibility per XXXX policy ... as the shipper. Me as the receiver, I can not compel anything in regards to the transaction between XXXX and XXXX ... 

Secondly, I am complaining about the transaction dispute process that prevents ease & simplicity vs requiring either fax or written complaint ....

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 2015-03-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Congratulations on winning the case against XXXX for consumers!! Well done! I signed on with XXXX in XXXX 2013 and noticed late that they are now charging me 23.99 % after 18 month period, though it is no where stated on the contract I obtained from my XXXX. They do n't give you the choice ( or hide it well ) to receive mailed statements. I had no idea of late charges and mysterious {$2.00} charges and now the 23.99 %. Please help!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Hi I had a really bad experience with Synchrony bank. 
I had purchased a Mattress for {$2900.00} on XX/XX/2013. 
The vendor I purchased was XXXX. 

When I purchased the mattress, the sales person mentioned that I can pay the full amount in installments and I agreed to it. 

I asked him what would be my monthly payment so I do n't have to pay any interest.He mentioned that Its about {$31.00}. 
I was fine with that and I purchased the product. 

My checking account was charged about {$31.00} every month as I was told and agreed. 

After three years I noticed that the monthly charges went up to {$120.00}. I was not sure what was going on and I called Synchrony Bank, they said I will have to pay an additional {$2900.00} or so as interest.I was not sure what happened. 
They told me the installment schema was for 36 months and I have to pay interest after that which I was not told by the sales person when I purchased the product. 

I called the vendor, which is XXXX, they told me that the amount of {$31.00} was given by the bank and not decided by them and they can not to any thing to fix it. 

I called the bank and they said only option I have is to pay off the {$2900.00} additional amount they charged me as interest to close the account. 

I mentioned to them that I can pay off remaining of principle amount which is XXXX minus payment I have made so far which will be about $ XXXX.They are not agreeing to it saying that I should be paying the full interest which is double the amount than what I purchased the product for. 

I do n't have any debt and I pay off my bills on time. 
I feel that I was cheated by the bank and the vendor combined by giving me unclear information.I do n't have the amount of {$2900.00} to pay off the interest. 

I had moved few times from the original location I lived before. 
I am not receiving the bank statements. 

I kindly request you to help me with this situation.

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 2015-10-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portland Credit Inc
State: OR

Complaint narrative:
I have a debt with a company that my ex wife works for. I also currently have a garnishment order in place through my employer for the debt. I found out by checking my account balance that the company she works for has garnished my hsa ( health savings account ) which is an exempt account for the debt. My ex wife is the only person that knows about that account since I use it to pay our children 's medical bills. I called the medical facility and was told that she was given account information and receipts of my medical payments. This is a violation of fdcpa procedures and a violation of my privacy to use personal information to obtain payments for my debt. This is not the first time my information has been acquired either. I have also obtained new phone numbers since my debt has been with her company and she has obtained the phone numbers without me providing them to her. My personal information is being shared throughout her agency. I have called and complained already regarding the phone numbers she obtained with no resolve. None of my garnishment paperwork shows anything about my hsa account either.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
Moved from XXXX XXXX, XXXX to XXXX, XXXX XX/XX/XXXX. Cancelled my XXXX ( internet ) # XXXX but for some reason the account was not cancelled as I requested and XXXX kept withdrawing from my auto payment from XX/XX/XXXX to XX/XX/XXXX. I started calling in XX/XX/XXXX to XX/XX/XXXX to complain. 
Nobody could help me until XXXX XXXX supervisor in XXXX transferred and credited the {$420.00} from the original XXXX account to my new XXXX acct # XXXX. 
Today, XX/XX/XXXX, I got a debt collection from Sunrise Credit through the US Mail stating that I owed them {$420.00} from old account. 
Talked to sunrise credit company and XXXX, even went to the store, but nobody seems to be able to help me. 
I called 13 times to XXXX, but still ... nobody seems to be able to handle my case. Their cust service agent created XXXX cases before, but nobody ever followed up and every time I have to repeat my story without any recourse of talking to talking to their manager / supervisor, because of their PROTOCOL. 
Last conversation with their billing dept, lady with ID XXXX, she has to create a new case # XXXX. 
Just FYI, I had been talking to Cust service dept, Retention Dept, Billing Dept in US or in XXXX but so far no luck.

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 2016-04-28 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
This company claims I took out a payday loan. I never took out a payday loan. I told the lady on the phone it was fraud, she hung up on me. I asked to get a copy of the bill. She refused. I was threatened with jail time and exorbitant court costs. I told this company to cease and desist they call 20 to 40 times a day. I have had my identity stolen. If they feel this debt is valid it is not mine. I took no personal or payday loans. This is fraud. They refuse to help or send information of account. They threaten lawsuits and jail time. They refuse to identify company ir name

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: POLARIS HOME FUNDING CORP
State: TN

Complaint narrative:
I received a letter from Polaris Home Funding Corp as a solicitation for consolidating my credit union mortgage loan and credit card. The letter was deceptive and clearly and attempt by the sender to make it seem as if the credit union had sent the offer. Here are some bullet points : * The envelope did not contain a return address identifying the sender of the letter* The letter was not on letterhead identifying the sender*The letter contained the name of my credit union in large font in the body of the letter but only identified the sender of the letter in small font in the footnote* The heading of the letter was " IMPORTANT NOTICE! PLEASE CALL IMMEDIATELY ''. This made the letter look as if I had a problem with my credit union account. 
* The letter stated " Due to recent guideline changes '' again a reference that made it seem as if the letter was from the credit union as it did not identify who made the guideline changes* The letter indicated there would be a high volume of calls and to reference my account number when I call. This is a method to make it look like it is a credit union account number. 
* The letter references a rate reduction " program '' and uses word program without going into detail as to what it constitutes other than a lower rate or whose program it was. 

The letter was deceptive and a clear attempt to make it look like it was endorsed or sent by my credit union. I have included copies of the envelope and letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02 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.
State: MI

Complaint narrative:
The Debt collector contacted my parents multiple times and identified themselves as debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I feel as if my student loans through Navient have severely crippled my ability to progress as an adult and move out as the interest is overwhelming and leaving my future handicapped in a difficult job market. Now that a lawsuit is surfacing I feel that I have been robbed and taken advantage of as a young adult trying to better and further his career / life. I hope that something can be done to reduce this stress and amount of monthly interest. Every night I sleep I lose at least XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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: GA

Complaint narrative:
I am being constantly harassed and receiving bills for return of equipment that was returned. I have called and called and I get the same result. I am sick of being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: VT

Complaint narrative:
They keep calling. I have stopped answering due to the rudeness and threatening tone they use. Refuse to give me any information pertaining to exactly what the debt is and who from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 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:
XXXX new collections just appeared on my credit file, no new medical debt that has n't been paid exist. How are these companies allowed to just take old, inaccurate non verifiable items and just report them?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I had filed a complaint with the CFPB and they resolved in my favor. They said that they did not report to a collection agency. They have lied about the reporting. Last week I went to buy a car and was told taht I had this on my credit report that affected the cost of financing the new car. The old CFPB case number was XXXX. This has effected my credit score and I demant that they compensate me and correct the false report as they stated to the CFPB. When I responded to the resolution I ask that they send me a clear copy of all credit agency showing nothing was reported to them. That never happened and here we are again.

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 2015-04-22 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: FL

Complaint narrative:
I arrived to this country on XXXX/XXXX/XX/XX/XXXX and XXXX is trying to bill me a debt dated on XXXX/XXXX/XX/XX/XXXX owed by a person named like me but not in my address. The difference is in the apartment number. XXXX already opened a collection using XXXX collection company that I solved last XXXX, XX/XX/XXXX when I contacted XXXX and sent to them all my information. It is supposed to be solved when XXXX XXXX sent back the wrong information to XXXX. Now, collection appeared again in my credit report but now XXXX issued to Convergent Outsourcing. I sent my personal information to XXXX and I told them about their mistake but they sent to me a form of Identity theft and they asked me to send them back a police record report, as if someone had used my information, but this is not the case. They do not take on their mistake. At the end, I did n't accept that. Why do I need to spend my time and my money getting that documents when they made the mistake. I do n't know how or why this debt was linked to me, and how XXXX got my personal information because I never have had an open account with them. They did a bad job and now I have a collection in my credit report that have been affecting my credit score almost 2 years. I wanted to sue XXXX but it is a hard process. The error is so simple and solution is so simple too, that 's why I do n't understand why XXXX ca n't fix it. Please if you know how to solve this problem, I would like to know. 
Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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: FL

Complaint narrative:
I pulled my credit and found a XXXX account on it and that the company Convergent reported it to my credit. We had the service about 6 years ago and when we moved from XXXX to XXXX we sent the equipment back to XXXX in the box and label that THEY provided to us. I am now trying to buy a home and can not because this account is on my credit. I do not owe this money as we complied with the terms and equipment return process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Never received a bill from XXXX XXXX XXXX of XXXX XXXX, CA, and without making reasonable attempts to contact me, XXXX XXXX XXXX passed the bill along to a debt collector, CMRE Financial Services Inc.

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 2015-05-21 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: RI

Complaint narrative:
Convergent Outsourcing has called me twice now identifying themselves as a debt collector, but I am not overdue or late in making any payments. 
They do not identify the debtor. 
Recorded message tells me to call XXXX and completes. 
I feel that this is a scam for me to reveal important information on myself

Company response to consumer: Closed with explanation
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 is not mine
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
XXXX is asking me to pay an early termination fee for an account for which I was not responsible. This was a corporate account paid by my employer at the time. I had never made any payments on the account. It was paid by my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
Have been harassed and bombarded with numerous daily calls from Sunrise Credit Services , Inc after explaining multiple times my status. I had a pipe freeze and burst and spent over {$700.00} in repairs and am now behind on my payment. I explained this to numerous reps who continue to call my phone and get the same response " ok we will make a note of that '' next day I get yet ANOTHER call. My current phone record shows as follows ( XXXX ) @ XXXX rec 'd call from Sunrise Credit Services Inc ... @ XXXX I called back and explained my situation and that I get paid biweekly and will pay next month when I am able to. 
( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ... @ XXXX I call and explain the SAME thing and get the SAME response " ok we will make a note of it in the system thank you '' ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc, I called back at XXXX and told them I have already spoken to them this week and that I will not have a different answer than what I have already given. I also told them this is considered harassment. " We will make note of it in the system '' ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call and voicemail from XXXX XXXX at Sunrise Credit Services Inc . I call back @ XXXX and speak with XXXX , I express it is very frustrating to receive DAILY calls over the same thing when I already made a statement. His response was " well you said you 'd pay next month and it 's next month '' MIND YOU ITS ONLY THE XXXX OF THE MONTH!. I told him the month has just started and I get paid biweekly and that these phone calls are harassment, he hung up the phone on me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I applied for a car loan with Bank of Hawaii in XX/XX/2016. I decide to check my credit report to see if the loan was reported to the credit bureaus ( building my credit ). Upon me checking I notice the amount reported was different than the amount I signed my contract for. So I got on the phone to contact someone from Bank of Hawaii to see why my balance was different from what was agreed to in my loan contract. As soon as I started explaining I was told this always happens and I just need to file a dispute with the credit bureau. After filing a dispute with XXXX the amount adjusted was still wrong as reported by Bank of Hawaii and higher even with my payment I had submitted. I called BOH again to see if I can get a breakdown of my payments sent to me up to final payment and was told no. So I decide to file another dispute to see if I can get the balance reported corrected via XXXX. Again the amount reported came back wrong and my credit score took a dip down on both reports. Last week Bank of Hawaii finally reported the correct amount to both credit bureau that was on the contract I signed. But this time when they reported it, my payments made were not reported and my credit score took another dip down. I call Bank of Hawaii today to see if we can get this fixed where its shows what I received via my loan statement as up to date. And again I was told that I will need to file a dispute via the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 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: CA

Complaint narrative:
I have no debts that are unpaid.

Company response to consumer: Closed with explanation