vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.

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 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was served by the court in XXXX of XXXX for a debt that XXXX XXXX services says that I owe. I had a mediation with them about the debt in XXXX of XXXX and have disputed this debt plenty of times from my credit report in previous years saying that this account did not belong to me. The original company was Synchrony Bank. XXXX only sent me copies of statements that listed my previous address in which I do not live there anymore. They told me that the account was charged off in XXXX or XXXX of XXXX. They only provided 2 statements that had my previous address on it showing that I made a payment of 75.00 in XXXX of XXXX. I went back to my bank statements of that year and there is no record of any such payments. The man from XXXX says that its burden of proof because they have my name and an address that I used to live at. I asked for an original contract that shows where I signed for this debt and he told me that they didnt have to provide that and that they have everything they needed to proceed to take me to court. I dont even know the original date that this account has supposedly originated.

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 2022-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
In late XX/XX/2021 I requested that the " pmi '' be removed as this will help me financially as I prepare for retirement. I was advised that a payment requirement of approximately XXXX  XXXX would be required plus an appraisal of my home or a higher amount if I chose not to have an appraisal of my property. On XX/XX/2021, I received a letter stating - " Your payment history reflects payments 30 days or more within 12 months and 60 days or more past due within 24 months ''. Therefore, this is the REASON FOR DENIAL. There was no mention of this on my initial call at which time they were ready to take a payment from me for a " no visit '' appraisal. PennyMac has not provided me with any documentation that if I was " late '' at any moment in time that I could not qualify for this reduction. I wish to have the " pmi '' removed from my mortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureau to restore my credit score back to XXXX. 
This is yet to be done.

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 2022-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2022 I had got a email from synchrony Bank that they close my account with brandsmart and my rooms to go and sams card I called them and ask them I notice since the covid came around that you guys just go close a person account.and hurt my credit. With my brandsmart card they gave me a limited of 3 500 amout I only use some and am still paying bank on what I purchase. They go take the rest of the money and put my limited to what I owe causing to hurt my credit.and then when I got a default for a loan they going go back and close my account. And closing 2other credit cards that I had causing my ratio to drop I pay my payments on times every month and synchrony just mess my credit up complete. How you going wait to I had a issues and then take my,, Credit limited to what I owe its not fair at all causing my credit to drop and ratio.

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 2022-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CULLEN/FROST BANKERS, INC.
State: CO

Complaint narrative:
THE FROST BANK ACCOUNT IS NOT MINE. I HAVE ATTEMPTED, SEVERAL TIMES, TO HAVE IT DELETED, FROM MY CREDIT REPORTS. I DO NOT KNOW WHO THE ACCOUNT BELONGS TO, OR IF THIS IS IDENTITY THEFT. I JUST KNOW THAT THE ACCOUNT IS NOT MINE. PLEASE, STOP REPORTING THE FROST BANK ACCOUNT, AS MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc.
State: MS

Complaint narrative:
I have a pro collection debt on my credit report. Upon calling trying to get information for what this company. They told me I had a debt at a apartment complex that I moved from due to domestic XXXX case I had to move. When I told they said I had to pay no matter what. I ask if there was options I could get to settle this and then the customer service representative for them said no and if getting lawyer I would be even more then taking care the debt. I told the I didnt get any correspondence in the mail. I they still would not give me a option for payment plan or anything

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 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureau to restore my credit score back to XXXX. 
This is yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NJ

Complaint narrative:
I am a registered XXXX  and had a working sponsorship with PRMI, from XX/XX/2021 - XX/XX/2021. The first issue, they charge a commitment fee and also a 1/2 point on every file. That half-point can be waived by the XXXX if the client questions it. If the XXXX XXXXlects to waive it on every file, as I did, feeling it was taking advantage of my borrowers, the XXXX  is counseled by management, and if it continues advised it will end in an in-house disciplinary action and a decrease in all future compensation agreements. 

Once I left the company on XX/XX/2021. The company continued to solicit prior realtors and clients using my name and XXXX #. Well after I left the company. I have attached a copy of the most recent email I received from a client.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX  points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureau to restore my credit score back to XXXX. 
This is yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without the influence of any third party. Convergent Outsourcing has continuously ignored my complaints regarding an alleged debt that is currently being reported on my consumer report. I have been challenging this account for the last several months and nothing has been done. This account is erroneous and not accurate which is a violation of federal law which supersedes all organizational policies. It is to my knowledge and is even reported on the CFPB 's website that credit reporting is NOT mandatory. 15 USC 1681B ( 2 ) Permissible purposes of the consumer report state that a consumer report should be " In accordance with the written instructions of the consumer to whom it relates. '' As the consumer, I have advised CONVERGENT OUTSOURCING that this account is not mine and I also advised to discontinue communicating with me through all mediums. A credit report is a form of communication. 15 USC 1681a ( 2B ) states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is EXCLUDED from the consumer report. Therefore, even if this debt was indeed mine federal law excludes extensions of credit that originated from the issuer of a credit card. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. CONGRESS states ANY card. The credit card would be my social security card. I am demanding to have this account removed immediately.

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 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
In my credit an account appeared in collection from XXXX and that is being charged by the agency SOUTHWEST CREDIT SYSTEMS ". 

I contacted the agency on XX/XX/2022, to find out about this " debt '' and the person who assisted me was not able to find an account with my name in the system, the person made several searches using my first and last name, my phone number and my personal address but was not able to find a collection account under my name. 

I asked this person for information on why there is a fake account under my name and they hung up the phone on me. I made several more calls and the person kept hanging up the phone.

Company response to consumer: Closed with explanation