vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In year XXXX myself and my wife bought XXXX and doors from XXXX store located in XXXX XXXX XXXX salesman offered us special promotional Zero interest XXXX synchrony credit card. There was no disclosure that Interest will be charged after period of two years. As there was limit of XXXX per person so Salesman arranged two cards on mine and my wifes name. 

XXXX XXXX XXXX : credit card number XXXX XXXX XXXX XXXX XXXX XXXX : Credit card number XXXX XXXX XXXX XXXX We provided our bank information and monthly payment was detected from our personal Account. Two months ago, we received Monthly statement by mail and found out that Synchrony has been charging us XXXX XXXX interest since XX/XX/XXXX. We complained to Synchrony customer service multiple times but till date Synchrony is not will willing to waive such high-rate unauthorized interest and rather started charging us late fees. We did explain to Synchrony customer service that by law Synchrony was supposed to give us 45 days notice, but Synchrony does not seem to be concerned about legal implication. 
We want to make monthly payment if Synchrony credit our account for the unauthorized interest they charged us since XX/XX/XXXX. We also willing to borrow money from other sources to fully pay off entire amount if Synchrony accommodate our request. 

Thanks XXXX XXXX XXXX XXXX XXXX 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 2022-08-18 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: Mountain Run Solutions, LLC
State: ID

Complaint narrative:
2 years after canceling an account with XXXX XXXX and not receiving any notice of an issue Mountain Run Solutions contacted me by text informing that they had purchased a debt and would report it in 16 days to credit. No other information was sent. I contacted XXXX and they had no knowledge of selling any debt to Mountain Run solutions and said that the company they used was Perfect Collections LLC. On the XXXX I attempted to contact XXXX XXXX XXXX as they had sent repeated text messages to me and made other attempts to contact during work hours. Mountain Run solutions then provided erroneous information about XXXX cancelation policy and ignored the provisions of cancelation in my contract. Mountain run solutions has ignored my dispute request and are still threatening to send an adverse report to the credit reporting agencies. During recorded conversation an agent stated they sent debt verification to my email address. I have not received this verification and the time they stated they sent verification was before my request for verification. In later email messages with the manager the manager stated the day after the agent stated that the verification had been sent that it had not been sent and that they would be sending it while again threatening to report on the XXXX but claiming they had 30 days to send the verification. The agent acknowledged that they did not know or have record of the Idaho consumers rights act. The agent confirmed they did not do due diligence to correctly obtain my mailing address.

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 2022-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CAINE & WEINER XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAINE & WEINER XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXXXXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX LOI SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: WA

Complaint narrative:
I have a property listed that has a reverse mortgage. Novad is the mortgage company but FHA is the servicing company. The property is supposed to close tomorrow XX/XX/22. The escrow company has reach out for a payoff a number of times, including written and a phone call ( Per the servicers instructions. Several calls were also made. According to one of the last conversation escrow should of had the payoff to XXXX ( Escrow Company ) that they should have the payoff by XX/XX/22. Still no payoff and no explanation. 

The seller desperately needs this sale to close. It's a cash buyer and they want the property as agreed. 

We ( seller, sellers representative ) are anxious to get this done for her. She is nearly XXXX yrs old and can no longer maintain this property. Her family has already made arrangements to move her to a retirement home near them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: TX

Complaint narrative:
I went to a few dealerships that said they would pull my credit report just for their dealership, however they pulled out quite a few hard inquiries. The other hard inquiries listed, I just do not recognize. I have tried to call the numbers listed directly to tell them to provide proof that the inquiries should be on my report, but they told me to contact the credit bureaus to take it off my credit report. So I asked the credit bureaus, and they told me to call the companies directly to take it off my report so I am getting the run around at this point. Listed are the hard inquiries I need removed from my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DELAWARE XXXX names are also not correct : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the following XXXX are not correct : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2022, I made a deposit and it stated that funds will be available on XX/XX/2022. I called to see about if I could apply for a credit card and I was told they were closing my account. This is second bank that has done this and I have not done anything to warrant such actions. They said the could not tell me why so the sender of check had to stop psyment on the check duet to we were notaware of what would have happen to funds or if they would have been held any longer and they are sending me a statement as if I have a active account but said its due to close the account to close in 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 monetary relief
Consumer complaint received 2022-08-18 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 

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 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

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 2022-08-18 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 XXXX 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 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

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 2022-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
I'm currently working with a solar rooftop installer that is offering financing by service finance company LLC. The solar installer is saying that if I would like to have financing through this company, that they have to add on 26 % of the total cost of the system as an upfront fee. This is a fee that the service finance company LLC retains, and not the dealer fee, although it is called a " dealer fee ''. I confirmed this through many different solar installers that utilized this finance company. 
I called the company directly to ask for the APR and they said they do not have one. Normally when I eat apply for or inquire about any loan, the federal government requires the percentage rate be listed, as well as the APR which is the percentage rate plus any fees or charges in relation to the loan. This federal requirement is so that the consumer will know exactly what they are spending on debt service. Service finance company LLC refused to provide the APR, and instead, they stated that their APR was the interest rate. This meant that they were saying that the interest rate was 1.99 %, and that the APR interest rate was also 1.99 % for a 25 year loan. Mathematically this can not be possible when they are charging a 26 % upfront fee, again called the dealer fee.

I am asking the Consumer Financial Protection Bureau investigate this company for illegal practices I am asking the consumer finance protection Bureau to please investigate this company for illegal practices. They are not living up to the spirit or letter of the law and are blatantly lying to the consumer.

I am not disclosing the rooftop solar installation company that I'm working with as I do not want them to be negatively affected by this complaint. When I talked with the service finance company LLC, their managerial representation was very angry that I was even asking these questions and seemed shady.

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 2022-08-18 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: CT

Complaint narrative:
I have a Brooks Brothers store credit card. Thats all I want, Brooks Brothers now wants to cancel my store card and issue me a Master card account. I dont want the Mastercard and just keep the store card.They say I cant., If I dont take the Mastercard they will close my store account., I have no choice.

That is NOT what I wanted when I applied for the store card only.

Tell them I just want the store card, NOT the Mastercard.

I have enough credit cards.

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 2022-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Paid off car XX/XX/XXXX requested lien release, XXXX XXXX XXXXXXXX XXXX on 5 times, called ed title dept on XX/XX/XXXX said would be mailed 5-7 days, called XX/XX/XXXX spoke to XXXX, said would have it expedited, should go out XX/XX/XXXX called XX/XX/XXXX was told request was cancelled, spoke ti XXXX XXXX a supervisor she said she would have to research and put in an additional request, total contacts 14 lein release received 0 acct 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 non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
A person with the email XXXX attempted to obtain an Apple Card account from Goldman Sachs Bank USA with my name. The application was denied since I had a credit freeze on my credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED  XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2022-08-18 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 & my rights have been violated in numerous amounts of way, one of many being most recently with the false credit scores they've admitted to reporting. 15 USC 1681 states : there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness importance & respect for the consumers right to privacy. 15 USC 16981 sec 604 ( a ) sec also states a consumer reporting agency can not furnish an account with out my written permission. These rights as well as a number of many more have been violated by equifax & I demand all accounts reported be deleted & removed from my credit report, I've listed accounts bellow Account : XXXX XXXX XXXX Account : XXXX XXXX Account : Student loans ( dept of edu/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a natural person, I am living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violate my rights numerous of times I demand the account listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Account : XXXX XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX I submitted a dispute with Transunion to remove XXXX XXXX  XXXX past due balance of XXXX Dispute number XXXX which is incorrect information but Transunion verified it as account with the results on XXXX. I have submitted another dispute today XXXX to take this off my credit report.

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 2022-08-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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