vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received an e-mail XX/XX/XXXX form my Lowes Synchrony Bank account affected XX/XX/2024 stating that my interest was going to 31.99 % from my previous interest rate along with being coerced monthly paper statement charge of {$1.00}. I guess high credit score dont matter anymore for loans or getting a better interest rates. 
I contacted Lowes Synchrony bank and they said that the letters went out XX/XX/2024 XXXX day ( Didnt know USPS was open XXXX Day ). Looking back on my daily mail account that I can see. Nothing was received nor showed through the mail. 

After receiving the E-mail I looked online to see a statement balance and to change to non paper statements to void the additional charge of {$1.00} that will be also charge interest on. I seen the bill due in five days at which I never received a statement in the mail or an e-mail showing billing is due this month. 
I pay off my balances each month so I dont pay the already high interest rates. Speaking to the representative at which he told me it was across the board for everyone and every card holder got one. Speaking to some other card holders business and personal and they stated they never received an increase or a monthly fee letter or e-mail. Is Lowes Synchrony Bank pointing me out because I pay off the balance and trying to coerce me into going Electronically. I rather receive a paper statement so I can view everything. Looking at my phone does not give me a full statement along with internet goes down from time to time. 

According to CFPB site it states The CFPB should clarify that financial institutions can not charge a fee for written statements when such statements are required by federal law. Financial institutions should not, and indeed we would argue can not legally can not, charge a fee for providing something they are mandated by law to provide. 

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Hello CFPB Im Making My Complaint Today Against PORTFOLIO RECOVERY ASSOCIATES , LLC They Are Reporting False Information To My Credit Reporting Saying I Owe An Alleged Debt Which They Are Breaking The Law Because I Just Found Out This Company Is Not Licensed & Bonded In The State Of Georgia To Collect From Me. 

Contacted Debt Collector Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Signature They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading False Accounts.

Under 15 U.S. Code 1692d- Harassment and Abuse I Have Been Harassed and Have XXXX  This Account Is In Violation. Under 15 U.S.C. 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence.

Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you PORTFOLIO RECOVERY ASSOCIATES , LLC that I refuse to pay the alleged debt you are claiming I owe on Account Number XXXX XXXXXXXX, and I DEMAND you cease & desist all further communication in compliance with this law ; Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Solar Mosaic LLC
State: NM

Complaint narrative:
XX/XX/2023 : A representative of XXXX and another from XXXX XXXX & Mosaic ( via door to door sales and the high pressure, deceptive acts typically associated therewith ) & gave a sales pitch whereafter documents memorializing the verbal representations were to. XXXX sent to me for review. At no time did I see, review or sign ( electronically or in ink ) any document. Instead, apparently each promptly emailed me 70+ pages of agreements and other documents which were purportedly signed by me. Im a retired attorney. I KNOW not to sign anything I have not read let alone agreed with. Upon learning the extent of this identity theft or fraud, I have spent these last 6 months of my remaining life being given the run around without remedy. Lies, lies. 
Also, Mosaic and either XXXX or their partner, XXXX XXXX have created a {$4000.00} line of credit for XXXX equipment costing approximately {$2400.00}. Mosaic created a home improvement or mortgage for {$17000.00} +. 
I need my full file disclosure from the credit reporting agencies to ascertain HOW they did this behind my back damaging my credit score & causing the clear title on my home to be encumbered. I inherited my home & have worked hard to maintain title free and clear to leave to my XXXX kids and XXXX. At this rate, Ill be dead and unable to leave my home to my kids without Mosaic either lien the property though no solar was ever installed. Im completely exhausted from this awful, horrible, illegal, activity that I am in no way responsible. Please help. 
I have numerous documents including a myriad of emails between the parties which I can upload tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I reached out to the credit XXXX and Experian regarding this identity theft Acct being added back to my account. I was told by an manager at Experian that XXXX provided them with evidence that the account is mine. When I asked to be supplied with the same information I was told that the information could not be provided to me and that the account would remain on my credit profile. On Tuesday XX/XX/XXXX I was given a number by the Experian manager to call XXXX at XXXX. I spoke with a manager there who informed me that the account was actually not mine and the information that had not matched. The manager at XXXX stated that this was a business account I am not a business owner. Mailing, Phone or email. I was told that they would reach out to the bureaus to have this information removed from my account. Yet it has been added back again today. I have been a victim of Identity theft back in 2020. I have had an Identity alert on my account for $ years now. And all of sudden an account that is XXXX XXXX XXXX from an business is reflecting on my 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 non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Interest rates are extremely high I'm paying double the price of the vehicle

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 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I got a XXXX  inquiry on my XXXX XXXX notification. When I logged in to my account it was for Bank of America. Its was for an XXXX  XXXX XXXX. The application did get denied and I file a complaint and there mis ongoing investigation.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Me and my mom have the same name, she used my information to open XXXX accounts

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Me and my mom have the same name, she used my information to open XXXX accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2024 I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been writing to Bank of America regarding a fraudulent charge that happened on XX/XX/2023. 
Someone, used my credit card and bought an XXXX online and picked it up from XXXX XXXX 's store in XXXX, XXXX. XXXX XXXX provided fraudulent receipts to Bank of America stating that it was shipped to my address. I have tried to get XXXX XXXX to take responsibility for this error, but they don't care and don't want to send a refund to Bank of America. 
Bank of America is ignoring all my letters, police report, complaint to XXXX  regarding XXXX XXXX business practices, my letter to the attorney general of Texas. 
They don't give me a credit for this fraudulent {$640.00}.

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 monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting 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 recently checked my credit report and saw accounts reporting that I do not recognize. I reached out to the companies and they were of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting 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:
I recently checked my credit report and saw accounts reporting that I do not recognize. I reached out to the companies and they were of no help.

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 2024-03-01 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( auto loan ), Act Name : XXXX XXXX XXXX XXXX XXXX XXXX ( credit card ) Act Name : XXXX XXXX XXXX USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years

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 2024-03-01 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( auto loan ), Act Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( credit card ) Act Name : XXXX XXXX XXXX USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Hello CFPB im Making My Complaint Today Against Midland Credit Management They Are Reporting False Information To My Credit Reporting Saying I Owe An Alleged Debt Which They Are Breaking The Law Because This Company Is Not Licensed & Bonded In The XXXX XXXX XXXX  To Collect From Me. 

Contacted Debt Collector Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Signature They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading False Accounts. 

Under 15 U.S. Code 1692d- Harassment and Abuse I Have Been Harassed and Have Trauma This Account Is In Violation. Under 15 U.S.C. 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. 

Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you MIDLAND CREDIT MANAGEMENT that I refuse to pay the alleged debt you are claiming I owe on Account Number XXXX, and I DEMAND you cease & desist all further communication in compliance with this law ; Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
TransUnion reported a credit card from XXXX  XXXX in my report. I dont have a XXXX  XXXX credit card. I reported this information to the credit bureaus and also contacted XXXX  XXXX. XXXX  XXXX confirmed that I dont have a credit card associated with my SS #. This was reported to the bureaus and I havent heard at all. 

In addition the reporting agency transunion reported two names associated with my credit report that does not belong to me. This is considered fraud specifically when someone opened a credit card under my name. 

This has impacted me significantly since my score went from XXXX to XXXX. Specifically when I had worked hard to keep my credit score high. 

Thank you and Im counting on you to assist me with my dispute.

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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Indie Technology DBA Found
State: AZ

Complaint narrative:
They told me that they wouldn't refund the money and that I had to prove that I tried to resolve it. So I did prove that I had tied. I found the company in California. I also found that my phone number had been changed on my account. They did nothing for 3 weeks and XXXX customer service sent me an email. They would refund {$46.00} but not the {$1200.00} to a company in California

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My personal and business account were fraudulently accessed and drained. Wells Fargo gave me multiple different contradictory explanations on what had happened. I spent over 15 hours on the phone with a fraud supervisor going over all transactions and confirming all fraudulent transactions. I was told my accounts ( after they had been drained to {$2.00} and {$55.00} ) suspended but 2 days after they were " closed '' they allowed whoever had gained access to draw another {$5100.00} out taking me into the negative, even though I had overdraft protection OFF. I have spent around 65-70 hours on the phone with Wells Fargo along with 4 trips to a branch and have gotten nowhere. I was refunded {$3600.00} but am still owed {$8400.00} and they have denied the claim and said the in bank checks were authorized by me, which is 100 % false. Due to the extreme incompetence of multiple employees when my case was reviewed a complaint was started by the banker and it was escalated to the executive office. They did call me and stated they planned to have a resolution within 24 hours, and promised me a return call that afternoon. Instead of returning the call, they sent me an email stating they needed to do more research and would get back to me by XX/XX/XXXX. This case was started on XX/XX/XXXX. I have been promised so many things by Wells Fargo and they have no came through on any of their promises. I am getting the complete run around. I was assured that the in bank checks that were fraud was part of the initial claim and they were not, even though I had reviewed them 3 times with 2 different fraud bankers. After finally getting a new claim number for the fraudulent checks I called multiple times for an update and could never get in touch with someone that could help but was assured someone would call me. Of course nobody has ever called but I got a letter today saying my claim has been denied and closed as the checks were authorized by me. This is 100 % false. I was not even called by an investigator and asked about this. If they were done in the bank as they say they should easily be able to check the branch location and footage and see I had nothing to do with it. The 5 fraudulent checks are XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XXXX, XXXX, and XXXX. 

I have called to dispute the closed claim and was told the investigators do not accept phone calls and the employee in fraud told me since the claim was denied there was nothing she could do to help me. This entire situation has been unbelievable!

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