vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
wells fargo bank was not in compliance in new cardholder account wells fargo bank was not fair in new account opened wells fargo bank approved me a XXXX  XXXX  account instant approved online and recieved credit card with terms and aggreement and then a week later after recieving the card my account was block for fraud concerns. 

so i called the fraud dept and was advised they wanted to make sure i applied for the account, okay wells fargo if it was fraud concerns why did you instant approved my application for credit? 

so the fraud lady said they needed to send a pass code to my phone to verify my identity so she confirmed that i did apply and my identity is verified. 

than she said which was over board on a retail credit card that she wanted me to fax over a 4506-c so she can review my total annuial income for severial years with the irs please note no other bank has ever asked for irs documents to verify my income this should have been asked before approval if it was income concern but at the beginning of the call it was just identity concern not income after they verified me now they want unnessary info after account opened and approved. 

i also feel i was discriminated against because some of my family and friends have a XXXX XXXX account and they told me they never was asked when there account was open to fax in an irs 4506-c so i dont understand why i was selected and refused to send extra even thou they verified me my credit is excellant it wasnt that issue because i was instant approved they verified me over the phone sending a one time phone number and now they want to go further in my income i called their fraud dept on XX/XX/2021 and requested to closed this retail account, and do not report this account to any credit bureaus do to the over reached in requesting proof of income from irs after approval which they could of just ask for a pay stub i not apply for a mortgage are personal loan this is a retail account this is not the way to treat a new customer for credit when they do not ask everyone who applys for this retail account proof of income with a 4506-c tax form to fill out.

i very dissapointed, that i was approved, recieved card, a week later retricted for fraud, than had fraud lifted and now they want 4506-c to keep the account open.

in my opinion do not open any retails accounts with wells fargo bank this how they treated me on an open account.

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 2021-01-26 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: SC

Complaint narrative:
I've sent multiple letters seeking investigation on different items that are reporting on my credit report and the credit bureaus have failed to respond to any of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I've been attempting to remove fraudulent accounts from my credit report since XX/XX/XXXX. I've mailed multiple sets of letters since then, asking the bureaus to investigate and remove fraudulent accounts. Its been over 200 days into something that is limited to 30 days max and not only are the accounts still reporting on my report, they're not even being investigated as I have received no responses. The first letter was delivered on XX/XX/XXXX per certified mail tracking and the follow up letters were delivered on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. It is surprising that the bureaus are blatantly allowed to disregard the federal law under the FCRA and my rights with no consequences. This is my last plea before I take this to my lawyers and sue for damages.

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 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
The lender requires us to close our main credit card. They give no rationale for this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've been attempting to remove fraudulent accounts from my credit report since XX/XX/XXXX. I've mailed multiple sets of letters since then, asking the bureaus to investigate and remove fraudulent accounts. Its been over 200 days into something that is limited to 30 days max and not only are the accounts still reporting on my report, they're not even being investigated as I have received no responses. The first letter was delivered on XX/XX/XXXX per certified mail tracking and the follow up letters were delivered on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. It is surprising that the bureaus are blatantly allowed to disregard the federal law under the FCRA and my rights with no consequences. This is my last plea before I take this to my lawyers and sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Klarna AB
State: FL

Complaint narrative:
XXXX credit bureau add inquiries to my credit report from a company, that I don't even know. This action affect my score baly. 


KLARNA/XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, OH XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Good Day. i am writing you to assist your help with TRANSWORLD SYSTEMS INC. Debt Collection Company. I sent them several communication request for Validation and Verification of the alleged debt but to no avail. All the Certified mail was returned. ( No Longer at the Address ). I contacted them via phone and thats when they started with asking me for my SSN, and how did i want to pay for the debt. This is not my debt and i do not no how it was reported on my files. WHAT IS THERE MAILING ADDRESS. WHY ARE THEY CALLING ME WITH A LAWSUIT? WHY I CAN'T GET A VERIFICATION FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2019, PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I've been attempting to remove fraudulent accounts from my credit report since XX/XX/XXXX. I've mailed multiple sets of letters since then, asking the bureaus to investigate and remove fraudulent accounts. Its been over 200 days into something that is limited to 30 days max and not only are the accounts still reporting on my report, they're not even being investigated as I have received no responses. The first letter was delivered on XX/XX/XXXX per certified mail tracking and the follow up letters were delivered on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. It is surprising that the bureaus are blatantly allowed to disregard the federal law under the FCRA and my rights with no consequences. This is my last plea before I take this to my lawyers and sue for damages.

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 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
I reached out to Sequium to get some information in regards to a {$3600.00} collection randomly appearing on my credit report. I have yet to receive verification of the debt nor was I ever notified of any outstanding bills that would warrant Sequium collecting the reported debt. As far as Im concerned, such debt does not exist because there is no correspondence from Sequium letting me know about ANY debts. If such debt exists, why wasnt I made aware from the original person owed? And also, why didnt I receive anything from Sequium as well?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The account was closed in XXXX for {$510.00} and they just opened this collection against me in XXXX of XX/XX/XXXXand are demandingi pay {$1400.00}

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 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I've sent multiple letters seeking investigation on different items that are reporting on my credit report and the credit bureaus have failed to respond to any of my letters.

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 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've been attempting to remove fraudulent accounts from my credit report since XX/XX/XXXX. I've mailed multiple sets of letters since then, asking the bureaus to investigate and remove fraudulent accounts. Its been over 200 days into something that is limited to 30 days max and not only are the accounts still reporting on my report, they're not even being investigated as I have received no responses. The first letter was delivered on XX/XX/XXXX per certified mail tracking and the follow up letters were delivered on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. It is surprising that the bureaus are blatantly allowed to disregard the federal law under the FCRA and my rights with no consequences. This is my last plea before I take this to my lawyers and sue for damages.

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 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I applied and was approved for a CareCredit card through Synchrony bank for a credit line of {$14000.00}. I am having a procedure on XX/XX/XXXX and was told by my doctor 's office to apply for CareCredit, which is why I went ahead and did so. After being approved and giving my doctor 's office the account information, I was told by CareCredit nearly 2 weeks later ( today ) that I would need to submit additional verification for the account due to " potential fraud ''. Fine, however, they want me to PHYSICALLY MAIL a copy of my driver 's license and a utility bill to their Florida office. According to them, it will take 2 weeks to process the information after receipt of the documents. CareCredit/Synchrony ran my credit, put an inquiry on my account, mislead me to believe they were issuing credit, just to pull the rug out from under me at the 11th hour. My doctor processes all payments 2 weeks prior to XXXX  to ensure there are no issues ( understandably so ). Now CareCredit/Synchrony has put me in a very tough situation and I will have to secure additional funding elsewhere. Meanwhile, I have a worthless credit card that has affected my credit score. They baited me into applying, falsely approved me, and are now making me jump through hoops to receive the credit. I have a high score, highly liquid assets & income, and a well-established credit history. The most unbelievable part about the entire situation is that they would not allow me to email the documents over, it had to be physically mailed. In XXXX that is absolutely egregious.

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 2021-01-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. REMOVE THE FRAUD ACCOUNTS ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
Receivables Performance Management ( RPM ) has reported a collection on my credit report erroneously ; the account actually belongs to my son who shares the same name and once lived at the same address as I do. 

RPM was informed of the error on this past Tuesday, XX/XX/2021, when my mortgage lender was alerted of the the derogatory account. ( We were scheduled to close on our new home that Friday, XX/XX/2021. ) I immediately disputed the account and contacted the original creditor ( XXXX ) who confirmed that the delinquent account indeed belongs to my son ; a store manager even added in the account notes that she confirmed our identities by checking our IDs. 

My son and I both then called RPM and informed them of XXXX XXXX verification, but the RPM collector wouldn't accept our word ( understandably ) and said that they couldn't even accept a verification from XXXX over the phone ; it must be in writing and done electronically, which I find to be ridiculous and curious since the collector ( XXXX ) had stated during our phone call on XX/XX/2021 that RPM and XXXX work in tandem. Therefore, it shouldn't have been a problem for him or someone in management to straighten out this mess with XXXX. 

RPM refused to contact XXXX to request the verification or even to confirm they have the wrong social security number attached to the account, even when they had been informed of the absolute urgency to fix this simple error. I made calls back and forth for days on end, trying to remedy this matter before our closing day ; meanwhile, RPM remained steadfast in refusing to contact XXXX and refused to let me speak to someone in Escalations or even one supervisor 's manager, whom XXXX, a " supervisor, '' claimed " does not take phone calls and doesn't have an email address. '' This whole ordeal is not only an inconvenience, but it has been costly!! It's costing me and my family over {$100.00} a day in temporary housing because we can not close on our home due to this ONE error that RPM has made. ( Not to mention, this has tanked my credit score 100 POINTS, which means if our mortgage lender reruns my credit with the collection, our loan will be denied, and we'd lose our deposit AND our house. )

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 2021-01-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My wife and I applied for an auto loan at the dealership and with our credit union. The loan was finalized with the dealer using XXXX XXXX XXXX, but there are three hard credit inquiries listed on the credit report. Given the loan inquiries are supposed to be grouped when taking an auto loan, how do I resolve this so there aren't so many inquiries listed on our credit reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
We started a re-finance of excising mortgage with Pennymac Loan, LLC, NMLS ID # XXXX ( XXXX ) at the end of XXXX. We comply with their entire request for documentations, income, and taxes, so on. They would not communicate with us for weeks, only after we questioned where they were in the process that the representative would tell us. Eventually an appraisal of our property was set for XX/XX/XXXX with XXXX XXXX XXXX XXXX out of XXXX MN. We pre-paid {$480.00} for the appraisal, including the credit background check {$26.00} handling fee {$3.00}. After we paid for the appraisal and the appeaser was at our home on XX/XX/XXXX, we did not get a copy as stated by law in a timely manner ( 3-4 days ) as per the Equal Credit Opportunity Act, or by Equal Housing Opportunity Act. It was not till I called them that an email was sent to us by Pennymac on XX/XX/XXXX. Pleasse notice that it was 15 days after the alotted time to send us a copy that Pennymac had sent an email to XXXX ( owner of home ) at his work ( business ) email. The email was to have had a link to open the supposed copy of the appraisal. This link was broken and did not work. I try to communicate this to the agent I had been working with to only find out he no longer worked with the company, and another person was to be asigned. So I, did not receive the appraisal copy that by law was to get. After several attempts to communicate by phone with Pennymac no copy was delivered. Eventually Pennymac would not communicate with me on a timely manner and the process with them to re-finance our home fell through by the end of XX/XX/XXXX. 
I still have not received the copy of the appraisal as by law I was to get. Several more calls to Pennymac with no progress were done, two of them this XXXX, XXXX. Results were after explaining the reason of not receiving the appraisal, the representative was hostile towards me, and my call was disconnected. Each time I try calling back on XX/XX/XXXX and getting a different representative, I had to explain all over again the reason of my call once the representative heard me, I was told they did ot have to talk to me and I was disconnected. I even tried to communicate by email with the person that did the appraisal, his response was that he can release it to us with Pennymac approval, but he did not request this of Pennymac even after we suggested he should. 
I believe Pennymac had violated the laws by failing to produce a copy of the paid appraisal on a timely manner. Even after we tryied to explain that we did not received one due to technica/ electronic problems, they did not US Postal Service us a copy. To date we do not know the results of the appraisal or the value of our home. I do believe the company tactics were to collect money for an appraisal and do nothing to refinance the home loan we applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I HAVE MADE CRIMINAL COMPLAINT WITH FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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