Guessing it's a scam?  Anyone calling with any real business would have their name come across the screen.  I don't answer any calls with just a city and state as you know it's someone trying to pry into your wallet!  But they are getting clever at spoofing the calls.  got a call the other day with a name.  Was really a poll taker.  After the first few words I said WTF and hung up!  Googled the number and sure enough.  Got one last week too except I listened to the entire sob story with no way to opt out!