vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We applied to refinance our home with Wells Fargo. The current loan has been with Wells for XXXX years. 

The Application was submitted XX/XX/XXXX. 

On XX/XX/XXXX we were notified that we were not approved. No specific details as to why. And no response from Wells. 

The Mortgage amount was $ XXXX. Home appraised at $ XXXX. We have $ XXXX in cash accounts and 2 rental homes with $ XXXX equity in them. 

Because Wells took so long to respond to us we didn't have the opportunity to pursue a loan with another lender missing out on low interest rates. 

We are asking that Wells provide details as to why we were denied, and if we can address the issues, honor their original interest rate. 

Thanks, 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 explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WVH, LLC
State: MI

Complaint narrative:
Received a letter from " Simplified Revenue Recovery , LLC '' stating that there was an amount due to an apartment company that I have never heard of. Header on letter said " 2022 Tax Season Settlement Offer '' and letter proceeded to offer 20 % discount if the debt was paid in full. The name listed on the letter is not my legal name. I have never had any type of interaction with the apartment group indicated - I believe it is in a different state located in the XXXX. I live in the XXXX. 2nd page of the letter has warning in bold stating " EXTENDED NONPAYMENT OF DEBT MANAGED BY XXXX MAY RESULT IN REPORTING THE DEBT TO ONE OR MORE MAJOR CREDIT BUREAUS, WHICH MAY IMPACT YOUR ABILITY TO OBTAIN CREDIT. IF YOUR ACCOUNT HAS NOT BEEN REPORTED ALREADY, CONTACT XXXX IMMEDIATELY TO ARRANGE PAYMENT TO AVOID REPORTING. '' Again, the name associated to this account is incorrect and I have had no dealings with the supposed apartment complex that is seeking debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV reported to all three credit bureaus that I owe them {$1300.00} I have asked them to please verify the debt by showing me the original signed application and statements they have not. I live and I'm multi-family triplex with unsecured mailboxes and packages are stolen. I have been denied credit and a place to live because of this inaccurate credit reporting by lvnv. Also I noticed that they have my name as XXXX XXXX HOWEVER my name is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I'm having a very difficult time speaking with a LIVE AGENT about concerns I have in regards to my consumer reports with Transunion, XXXX, and XXXX. I haven't been able to get through to a rep for 3 weeks now. Every time I call I'm stopped by their automated phone service which doesn't have the ability to fix anything concerning a consumers needs. How is it that these 3 Consumer Reporting Agencies can profit off of millions of consumers personal identifying information which is aggravated identity theft, cause financial injury, ruin reputations, interfere with consumers ability to operate within commerce and consumers can't even speak with a LIVE AGENT??? Not to mention the countless errors, inaccuracies, violations of consumer rights, that are being committed daily. I thought the consumer reporting agencies were required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
I have lost all faith in commerce it bothers me to know that millions of consumers across the country are suffering at the hands of these CRAs and the government allows them to operate above the law. 
" Americas credit reporting oligopoly has little incentive to treat consumers fairly when their credit reports have errors, said CFPB XXXX XXXX XXXX. Todays report is further evidence of the serious harms stemming from their faulty financial surveillance business model.

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 2022-03-16 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I'm having a very difficult time speaking with a LIVE AGENT about concerns I have in regards to my consumer reports with XXXX, Equifax, and XXXX. I haven't been able to get through to a rep for 3 weeks now. Every time I call I'm stopped by their automated phone service which doesn't have the ability to fix anything concerning a consumers needs. How is it that these 3 Consumer Reporting Agencies can profit off of millions of consumers personal identifying information which is aggravated identity theft, cause financial injury, ruin reputations, interfere with consumers ability to operate within commerce and consumers can't even speak with a LIVE AGENT??? Not to mention the countless errors, inaccuracies, violations of consumer rights, that are being committed daily. I thought the consumer reporting agencies were required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
I have lost all faith in commerce it bothers me to know that millions of consumers across the country are suffering at the hands of these CRAs and the government allows them to operate above the law. 
" Americas credit reporting oligopoly has little incentive to treat consumers fairly when their credit reports have errors, said CFPB XXXX XXXX XXXX. Todays report is further evidence of the serious harms stemming from their faulty financial surveillance business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I logged on to one of my Citi/AAdvantage accounts to make a payment and discovered that the account, with no notice or explanation, had been closed. I logged on to my other Citi/AAdvantage account and discovered the same thing had occurred. 

I talked to three separate customer service representatives, not one of whom had any idea why my accounts had been closed.

In the meantime, I received letters from Citibank after the fact that my accounts had been closed because I had one or more late or returned payments. 

I made an online appointment with a Citibank representative, who called the credit card division, and was told that I had a few payments that had been returned. None of those payments resulted in a late fee, as the minimum amount due each month had not only been met but also surpassed. The representative with whom I spoke said she had never heard of such a thing as an account being closed because of returned payments, especially those that were in excess of the monthly amount due. 

She filed a request for a review of my accounts, and I was notified two days later that the accounts could not be reopened because I had one or more late or returned payments. The reason there were returned payments in the first place was because on those few occasions they were not showing up on my available credit and I chose to make the payments to another card where they did show up immediately and thus allow me to earn points. 

First, I have not had one late payment on either account since opening them. Second, the returned payments were not due for payment at the time. Third, the Late Payment Warning on my statements is that if minimum payment is not received by the due date that I might incur a late fee and my APR may be increased. Nowhere does it state anything about returned payments that do not constitute minimum payments. Finally, I did not get so much as a letter of warning or explanation, in which case I would have not had the payments returned. 

I see no reason, given my history of prompt payments on my accounts, that Citibank could not have simply reopened my accounts ; instead it has caused great damage to my credit score. I request Citibank reopen my accounts so I can continue to be a valued customer. 

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 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
To whom can resolve my concerns ; I have been a long-time customer with XXXX XXXX XXXX XXXX XXXX. Over 10 years. This credit card has been my primary card. Without any desire or request on my part, apparently, this card is now associated with a company called XXXX. I have not received anything in writing or a statement about this change. I was notified of this change through an email sometime in XX/XX/XXXX. I was told that a new card and additional information was coming and I continued my payments to XXXX XXXX XXXX XXXX. I have not received a billing statement since XX/XX/XXXX. Additionally, Last week I was communicated through an email that my account is how delinquent. Furthermore, through a phone instruction recording, it indicated that payment could no longer be made through XXXX XXXX. ( without possession of a card, contract, or statement, I do not have an account? ) I have attempted to make contact through phone and email without any success. Unable to create an account online without an account number ; I am unable to acquire information through that process. 

This information was sent to the XXXX XXXX corporate office ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ) I have been waiting for nearly one month for my XXXX card so I can set up payments through my checking account. 
2 ) Your phone messages indicate that my payments are now required to go somewhere else therefore ; I do not know where my payments are going. 
3 ) I have been making payments to XXXX XXXX. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and more. 
4 ) I have been waiting for a statement and payment information? 
5 ) I have awaiting to view a contract and other information regarding this new/transferred account. 
6 ) I am unable to discuss my concerns with your company and I refuse to wait on hold for over 45 minutes with any company. 
7 ) To add to the insult ; I can find no way to contact you through your Web without an established account. Without information and an account number I can not set up an account in order to view information. 
8 ) I will make no more payments on my XXXX XXXX until I acquire an understand of the account status and verify most recent payments to XXXX XXXX 
9 ) A XXXX representative can call me within 20 days this writing. 
10 ) Beyond that ; you can cancel this apparent account. I will resolve payments on the account afterwards upon verification and a suitable understanding. 
11 ) I would reference an account number however ; I dont know if I have one. Also, Who are you ; I dont know anything about your company. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: CO

Complaint narrative:
Fedloan is not reporting student loan balances in 30 or 45 days time to Credit reporting agencies. I have been waiting since XX/XX/XXXX for them to report a {$25000.00} payment on my student loans. Showing a new balance of {$28000.00} and not a balance of {$39000.00} on my credit reports as of today XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: NY

Complaint narrative:
Its been over 30 days since I have reached out to the Credit Bureau and have yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV reported to all three credit bureaus that I owe them {$780.00}. I have asked them to please verify the debt by showing me the original signed application and statements they have not. I live and I'm multi-family triplex with unsecured mailboxes and packages are stolen. I have been denied credit and a place to live because of this inaccurate credit reporting by lvnv. Also I noticed that they have my name as XXXX XXXX HOWEVER my name is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Wayfair closed my account without even notifying me and it made my credit score drop!!! The creditors are intentionally trying to keep me in subprime loans at high uncapped interest rates and have been for thirty years!! I work for the government! I know my balance is high but I pay my payments timely!! They are just mad because I have deferred interest and they are not making a huge profit off me as I am not paying off the balance and purchasing more and more! I only buy what I must to get by as a twice widowed mother that is all I can afford! I already disputed with XXXX and they did nothing less than a week letter sent me notice it was accurate!! Shut these crooks down they are working together to ruin everyones credit so that they have to pay unregulated usury interest rates!!!

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 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This information is not mine. I have sent letters and called to report this issue for over 4 months. I was informed that the information would be removed. It is still showing on my report. It does not belong to me. 

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/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 explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc.
State: WV

Complaint narrative:
On XX/XX/2022, my father called me to tell me that a company was trying to get in touch with me about a debt I owed. The message they left on my parent 's answering machine implied that I would be served to appear in court in XXXX XXXX, WV if the debt was not taken care of. I called the number that was left in the message on XX/XX/2022 and was informed that two outstanding debts are in default and the loan holders were going to press charges. I was told I could be sued for {$1500.00} or pay them {$650.00} and they could take care of the situation. I asked what debts specifically they were trying to collect, upon ; I was told they were just the legal department of a third party company, and I would have to call Advance America to backtrack the debt. I said I would call them, I looked up Advanced America online, and they are a payday loan service operating out of Indiana, with no branches in West Virginia, where I live. Later that evening, my youngest brother, who I haven't spoken to in years, called me to say they also called him trying to find me. I haven't changed my address or phone number in years, and I have never been contacted my the representatives of any company in regards to Advanced America, as I have never applied or received a " payday '' loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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