vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account was closed earlier this year by the bank due to inactivity. 
I contacted the bank and told them that all TJX stores and online were closed due to the Covid 19, they still stated that after 6 months of inactivity the account closes. 

They made me go through re-Appling when they had just increased my limit to XXXX. 

Then they open a smaller account with a XXXX limit. 

However on my credit the old account is still showing open. 

I have written to the bank and they have no fixed this. 
I have called and asked for this to be fixed and it still reflects this information. 

This is my car care old card, it sits dormant in dispute mode and need to be marked CLOSED XXXX. 

I have tried endlessly to call the bank to get the credit report entry resolved. I am told they report it and it still shows and unknown status.

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 2020-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received a letter from Convergent Outstanding Inc saying that I owe {$650.00} to XXXX. I never opened an account on my own with XXXX. I was under my dad 's plan, under his name and always paid in full. I do not owe any debts to XXXX as I never had an account. 

The first time I received a letter was two months ago for about {$220.00} and I paid for it without thinking because there was a time in college I let my friend used my address for phone bill since he lives in a different state, and plus I don't want a debt to ruin my credit so I paid for it without even checking in with my friend first. However, after confirming with him, and he called XXXX to confirm this and they said they have no record of a debt I wish I did some research before paying for the first time. I've learned a hard lesson. Also, everything I received in mails ALWAYS included my middle name or middle initial. ( see attached and you don't see my middle name/initial ). This company is a fraud and horrible and these people need to be stopped.

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 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I received a letter from Progressive Management Systems ( PMS ) stating that a debt from XXXX XXXX was given to them for my account on XX/XX/XXXX. The balance was {$970.00}, and I paid {$240.00} on XX/XX/XXXX. I have had no further communication from them since, but have seen them on my credit report. On XX/XX/XXXX I mailed a {$30.00} money order and requested an itemized list of the debt because it is much higher than I remember owing XXXX. I had called and emailed XXXX in early XX/XX/XXXX and they told me that they, XXXX, no longer has the itemized list of the debt, but the debt collector, PMS would. So along with my money order I mailed on the XXXX of XX/XX/XXXX I included a note requesting that I get an itemized list of my debt by XX/XX/XXXX. It is XX/XX/XXXX and I haven't received anything from them, and find it hard to believe that they would wait until the last minute to supply this information to me when a week after I mailed the payment I checked the online account for PMS and saw that the {$30.00} was deposited and they had charged a 10 % interest rate as well.

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 2020-07-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I closed on my refinance XX/XX/2020 the notary came to my home I signed all legal documents for closing and the documents are notarized. For the following two weeks the mortgage company called me to schedule a closing which I informed the company each time I already closed on XX/XX/2020.Lack of communication between the departments within the mortgage company. Also I was to receive a refund of {$300.00} no later than XX/XX/2020 from the mortgage company which I did not receive so I called the mortgage company on XX/XX/2020 inquiring about my {$300.00} and at that time I was informed the mortgage company made errors and information on my file was vague incorrect blank. Once again not my fault. The mortgage company gave the ok to the notary to come to my home and close the deal.Now at this point it worsened the nightmare I already been experiencing with the company. From XX/XX/2020 till XX/XX/2020 I called to discuss the issue the company was having I have gotten zero answers and the problem is still lingering like a bad headache. I left messages no one called back. I did everything I was suppose to do and quite frankly someone at the mortgage company needs to take accountability for the errors, lack of communication, unprofessionalism, waste of my time, and ultimately a living nightmare.

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 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing XXXX such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I spoke with Capital One yesterday about an account that was opened in XXXX of XXXX and closed in XXXX. They continue to report late payments even though the card is paid in full and closed. 

This last time they reported 120 day late payments every month from XXXX. This is having a substantial and negative impact on my credit score. 

I have spent 3 years trying to resolve these issues. They continue to report as if my card were open and I am making late payments. 

I asked them to look into this account and why it is reporting late and they say the can not find the account and that there is nothing they can do. 

The told me that all I can do is dispute it with XXXX. 

I told them that they are reporting it to XXXX  so they need to fix the problem and stop reporting late payments. They refuse and they will not take responsibility for their problem and fix it. 

Please help me resolve this issue so Capital One doesn't continue to report late payments on an account that was paid in full and closed more than 10 years ago. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I previously disputed an account on my credit file that was incorrect, reported by TSI ( Transworld Systems , Inc ) on behalf of XXXX XXXX. After a lack of results from my dispute attempts, I contacted TSI directly and advised them of the situation with this account : I believed this account was paid in full, as I did not receive a final bill from XXXX XXXX. Because of the alleged amount due, I believe that the service continued to be billed at my former address after I cancelled the service. Supervisor XXXX XXXX of TSI advised that she would contact XXXX XXXX to relay the dispute information, in an effort to come to an agreement on deletion of this account from my credit report. She followed up with me two days later and stated that XXXX agreed to delete the account if the payment was made. At this point, I just wanted it off my report, so I agreed ( even though I still believe that the balance is extremely inflated ). I paid the balance in full, and on XX/XX/2020 received a letter from TSI ( attached ) which verified that the account would be deleted from all three credit bureaus. Instead of honoring this agreement, TSI merely reported that the balance was paid in full - resulting in the collection being reactivated and lowering my score substantially. I contacted TSI again, and was told by a representative ( who claims to have called Supervisor XXXX XXXX to verify ) that TSI requested that the account be deleted, but that the credit bureau has the final say on how it is reported. I then contacted the credit bureaus who advised that they reported it as TSI requested it, as a balance update. They stated that they have no authority to determine what is reported or deleted, that they must report as the collection agency advises. I feel that TSI provided fraudulent advisement in an attempt to collect a debt, blatantly lying about what would occur once the payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
The Loan Depot called me and asked me to allow them search for lenders. I told their agent, I was not interested in getting a loan. 
Afterwhich, now I am getting bombarded by lenders on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Congress passed the CARES ACT in response to COVID-19 Pandemic to help consumers with issues that may arise from becoming ill or financially burdened effecting there ability to make there financial obligations on time and effecting there households adversely. I became sick due to COVID-19 during the month of XXXX and was ill for weeks, during my illness I thought I paid my mortgage payment. I went through all the steps but the payment did not go through I was in XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX because of pandemic, I payed my XXXX mortgage payment and assumed I was up to date with payments, I was contacted and made aware that a past 30 day derogatory mark was made on my credit report affecting me adversely, I contacted my mortgage company SELECT PORTFOLIO SERVICING and they informed that I didnt make the payment for XXXX and I still owed XXXX, I checked my bank statements and realized it wasnt paid, I quickly brung account to good standing. I explained to SELECT PORTFOLIO SERVICING what happened and asked if they could make a one time  exception and remove 30 day derogatory mark from my credit report and they are currently refusing and taking GREAT pride in ruining my exceptional credit history, which is partly why the CARES ACT was drafted. I have not been over 30 days late on any of my payments for any company that I make payments to especially SELECT PORTFOLIO SERVICING, As I stated earlier they are refusing to remove the derogatory mark from credit report even though Ive never been pass 30 days late, We are in a exceptional time in history with people falling ill and some passing way due to COVID-19 and for SELECT PORTFOLIO SERVICING not taking these times into consideration is Egregious to say the least. During these times of uncertainty the CARES ACT was drafted to make accommodations for borrowers.These accommodations will help Americans and the economy because we rely on credit. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
The apartments were paid and now a third party collections company is trying to take additional funds. Never was I aware of any additional debt owed. I also never did a contract with this particular company that is now trying to collect on the apartments behalf. Do they have proof of why or how I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: CT

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
This collection agency sued me for a debt that is not my debt. Another collection agency had this same account, and sold it to Security Credit. Security Credit filed on my credit report that I did this in 2019. The other collection agency dropped it after I disputed that this is not my debt please remove. So, I wrote the letter after being served to the courts that this is not my debt. How this collection agency received my current information is because I constantly disputed this account that is hindering me from so many things with false information. I had to submit my ID and Social to  show that this account does not belong to me, and now they have my phone number and all of my personal information. Since I wrote the letter they are mailing letters wanting to settle, but I'm not settling for something that is not mine. I would like this removed from my credit permanently. Also, I would like the calls and letters to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I opened up a XXXX XXXX  Account by XXXX and when I went to connect my PNC Virtual Wallet bank account to the XXXX XXXX Account, in order to add funds to the new account I was presented with an error. I was informed that PNC had made some recent changes that they are currently having connection issues with PNC Bank and that if I try to connect I will unlikely to succeed. This now prevents connecting my account with certain accounts, which apparently the XXXX XXXX account by XXXX being one. I believe this is absoIutely rediculous that I am unable to connect MY PNC Virtual Wallet account with a trusted XXXX XXXX account by XXXX and be unable to utilize this service now. This is now preventing me from getting up to 30 % off XXXX product purchases if I was able to add funds to use my account. I am extremely displeased with this inconvenience!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: FL

Complaint narrative:
I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.

Company response to consumer: Closed with non-monetary relief