vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I am writing to complain about the lack of service I received in a complaint resolution with CareCredit. The confirmation number is # XXXX. It was for a {$7000.00} quality of goods complaint for XXXX XXXX XXXX, a XXXX  in XXXX XXXX, XXXX. At the time, I explained the situation over the phone to the person. She did not have me put anything in writing. She simply had me explain the situation. 
The basic facts of the complaint are that XXXX XXXX made a fixed denture for me that did not fit properly. It caused me severe XXXX pain. I went to a physical therapist several times and a speech pathologist who all agreed the denture did not fit well and was the source of my pain. I explained this to XXXX XXXX, and he stated that was about all I can do. I paid him $ XXXX {$7000.00} of which was on the CareCredit card. After discussing the problem with other professionals, I was finally able to have a new one made by another prosthodontist. This new one fits properly ; however, I, of course, needed to pay my new dentist. I do not believe I should have paid for a dental prosthesis that is non-functional. I believe it is currently sitting in a lab at my new dentists office. It was quite literally {$15000.00} paid for nothing but pain. 
I am writing to you because evidently CareCredit reached out to XXXX XXXX, accepted whatever he said, and filed in his favor ( he lied about much of this. ) The bottom line is that I can not use what he made. Why in the world would I not use it if I could? This does not make any sense. Why would I want to have another one made if is worked fine? 
Not XXXX person at CareCredit ever wrote down or asked me any follow-up questions. In fact, I only discovered the conclusion of the claim from XXXX XXXX himself. I had tried contacting CareCredit on several occasions and am only placed on hold for XXXX minutes or more. I have screen shots showing this. It is nearly impossible to get a hold of anyone at CareCredit. Even when I tried to offer feedback on the website, it would not work. I finally discovered that there was a message regarding the conclusion on the website. No one had informed of this. This entire ordeal is highly unethical from beginning to end. 

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 2023-01-17 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Someone received a charge card using my name and information with SYNCB/PPC ( Synchrony Bank/Paypal Credit ) XX/XX/XXXX . The account was not used for XXXX months. Then whoever began making small purchases and paying them off for an XXXX  month period. Then whoever charged {$3700.00} and did not not pay it. The credit bureaus in XXXX notified me that I was past due on an account. I notified SYNCB/PPC in writing that this was a fraudulent account set up by someone else using my personal information. SYNCB/PPC notified me that they accept that the application for the charge card was a fraud and I was no longer responsible for paying the outstanding balance of {$3700.00}. 
XXXX, XXXX, a credit bureau notified me that my credit report had been updated with a new address ( I had not moved ). SYNCB/PPC had submitted the new address. During the process in getting the address removed from credit report, I noticed that SYNCB/PPC still had in my credit report the outstanding balance owed of {$3700.00} written off " charge off. '' Since the account was fraudulent opened and I had nothing to do with the charges I'm requesting the SYNCB/PPC charge and all related info be removed from credit history.

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 2023-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
charge off on credit history with a balance as well a collection with a open balance because of this apparent neglect in assuring everything reporting is accurate, consistent and up to date Experian, XXXX and XXXX reporting these account OPEN. 
to collection should not be listed a an open balance Please remove items immediately.

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 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo facilitated a third party fraud scheme which resulted in monetary loss to me. Wells Fargo accepted for deposit, and made funds immediately available, on checks that were counterfeit on their face due to an unassigned bank routing number. I believed the checks were legitimate instruments and deposited through Wells Fargo mobile app. Wells Fargo only made me aware that the checks were fraudulent AFTER I had paid funds to the fraudster. While Wells Fargo is aware of this fraudulent practice by third parties, it has taken no steps and employs no safeguards on its mobile app to protect its customers from being victimized.

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 2023-01-17 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: TX

Complaint narrative:
There are several inquiries on my credit report that or in error and is erroneous. 

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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
On numerous occasions XXXX XXXX emailed me regarding medical debt that they claim that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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:
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. 
CXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.

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 2023-01-17 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: Complete Credit Solutions, Inc.
State: MD

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

15 USC 1681 Section 602 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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a dispute and it was declined.

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
XXXX ally financial finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  inquiries from unknown times same day by some one else

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated. However, how is that possible if last date reported, account number, payment history is invalid or incomplete in all 3 credit bureaus. When it should be 100 % accurate.

This is a continuous violation of my rights under 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 reporting consumer agency can not furnish a account without my written instructions. 

I demand to delete accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX or # XXXX ( as they are different account numbers on each bureau ) XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX I dont recognize any of these accounts, therefore. Please update everything 100 % accurate or delete them immediately. As they are causing me outrages interest rates. ( Example paying {$340.00} on a {$6500.00} car loan. ) This is my last letter in regards to correct this errors. I understand I have the right of up to {$1000.00}. For every violation on my credit report and will proceed as follows. 

Thank you for your time with this matter.

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 2023-01-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated. However, how is that possible if last date reported, account number, payment history is invalid or incomplete in all XXXX credit bureaus. When it should be 100 % accurate. 

This is a continuous violation of my rights under 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 reporting consumer agency can not furnish a account without my written instructions. 

I demand to delete accounts : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX or # XXXX ( as they are different account numbers on each bureau ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX I dont recognize any of these accounts, therefore. Please update everything 100 % accurate or delete them immediately. As they are causing me outrages interest rates. ( Example paying {$340.00} on a {$6500.00} car loan. ) This is my last letter in regards to correct this errors. I understand I have the right of up to {$1000.00}. For every violation on my credit report and will proceed as follows. 

Thank you for your time with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting a problematic account on my credit report. They did not possibly do a complete, accurate and throughout investigation. They never provided the method of verification or anything for the problem i have. They are violation the FCRA openly. This has caused severe emotional damage causing me to miss out on credit opportunities i deserve. I'm asking CFPB for help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a dispute and it was declined.

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 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
I am writing to you in reference of a collection agency that is giving us a very hard time.The collection agency/ attorneys office is so named XXXX & XXXX XXXX. 

They were hired by XXXX XXXX XXXX XXXX XXXX # XXXX Case # XXXX XXXX We do not deny owing this establishment money. 

However, the problem we are having is with the paralegal, XXXX XXXX XXXX. XXXX is refusing to work with us in any manner. She, XXXX XXXX, was called by my husband, day after we received the letter in the mail over this debt. XXXX XXXX asked him how much he can pay monthly, and no matter what he told her, she stated, Come on, you can do better. so she then insistedhe make a monthly bill cost sheet. In which she rushed him through, so he missed a few different payments. She came up with saying {$300.00} a month, XXXX told her that was too much, it was going to set us back each month. XXXX XXXX told him, oh well, adjust your other bills. She, XXXX XXXX, told him oh well you can pay this {$300.00} a month, or we will go to final judgement.. 
XXXX told XXXX this payment is really going to hurt us, can she please work with us, point blank she says No!! 
At a later date, we gt a letter from IRS, informing us we had to pay in. So, once again, XXXX contacted XXXX XXXX, informing us of the IRS payments and we need the payment lowered. Again, she refused. 
So, because of her refusal to work with us, we had to adjust the payment ourselves so we could get gas and groceries. So now she sent us a message telling us, we are in default, and had 2 days to make a {$500.00} payment. for the 2 months we paid {$200.00} plus the {$300.00} for the upcoming month, or we could pay the overall payment which is roughly {$8000.00}. 
We have not missed any payments at all, we have been a cpl days late a cpl times due to the day XXXX check hit the bank. 
XXXX has each email saved that XXXX XXXX has sent him. 
XXXX XXXX sent us a letter on XX/XX/XXXX, mine was in the mail, XXXX was through email.. XXXX has requested again that she rewrite this debt payment, but she hasnt responderd. that was on Friday, XX/XX/XXXX. We have been under so much stress, due to all of this. Even the lady thru IRS, was easier to deal with.. 
Funny thing is, in the letter, she is claiming they have several types of payment plans, but refuses to work with us. If other emails or such are needed, let us know please Thank YOu XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: TX

Complaint narrative:
On the XXXX  day I had contacted them concerning a cosigner to help me and my family get into a house but on the first day they reached out what nothing never did I had to find everything myself and I end up not found a place to stay we're currently in a motel right now so we never found the place I haven't heard anything from them they didn't do anything they stated that they sent out something to the company well I was trying to get a place at but I never heard anything from them so I can explain more later but it's it's basically what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: AZ

Complaint narrative:
In XXXX of XXXX I sent in certified letters demanding removal of addresses that I never resided at and is incorrect and inaccurate. The information still remains on my consumer report. Per Federal Law Title 15 USC 1679c - The law states ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 



XX/XX/XXXX I spoke with XXXX in the fraud department and informed her that the inquiries listed below is inaccurate and being reported without my consent and invasion of privacy. I demand all inaccurate information to be removed immediately or else legal action will be sanctioned. 

XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX  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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX bank obtained a copy of my credit report ( hard inquiry ) on Saturday, XX/XX/2023 without my consent or authorization, I haven't applied for any type of loan/credit/financing. I've been unable to reach anyone with this institution although placing numerous phone calls. 

Capital One also obtained a copy of my credit report ( hard inquiry ) on Monday, XX/XX/2023 again without my consent or authorization. Again I've haven't applied for any loan/credit/financing. I've contacted Capital One and spoke to someone who.advised me to contact & dispute with the credit bureau, which I have also done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
There were fraudulent charges on my Synchrony Bank ( Amazon ) credit card in excess of {$300.00}, all related to XXXX, XXXX and XXXX. I filed a fraud complaint with the company, paid all legitimate charges on the account and closed the account ( XX/XX/2022 ). The company took several months to respond, refunded me {$97.00} and charged interest and late fees on the fraudulent charges during the several months that they took to respond. The company is now harassing me with several calls and emails on a daily basis, and the " balance '' is now in excess of {$300.00}, all consisting of fraudulent charges, late fees and interest. I have called the company, filed online and also participated in an online chat. I can not get any resolution and my excellent credit is being ruined by fraud, deception and incompetence.

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