vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
To whom this may concern, I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXXXXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : SYNERPRISE CONSULTING SERVICES Formally XXXX : Date of service XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am unable to log into my Transunion account to manage a credit freeze. Customer service has been unable to help me remove the lock on my account to login. I have spoken to them on numerous occasions and have sent in the requisite information multiple times. 
I emailed the documents ( Driver 's License & recent bank statement & SS card ) on XX/XX/2023 and on XX/XX/2023. I also mailed a letter dated XX/XX/2023 with copies of my Driver 's License and Social Security card to remove the minor suppression that is on my file. I have spoken to their customer service at least a half dozen times in this period.

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 2023-06-14 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-06-14 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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: MI

Complaint narrative:
I am a cosigner for a private student loan now being handled by Discover. The Account Number is XXXX. These three loans, XXXX, XXXX, and XXXX were taken out approximately 15 years ago. The total three loan balance payoff is {$18000.00}, which I confirmed with XXXX on a XX/XX/XXXX phone conversation. The principal balance of the three loans is {$7000.00}. The amount paid on the loans to date is {$25000.00}, far more than the original amount of the loans. I can't get an accurate history because the loans have been sold multiple times. What is extremely disturbing is that the interest on the loans is {$17000.00}. My daughter took these loans 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  She was very ill and unable to care for herself. With the loss of income she sustained, she was forced to file Bankruptcy, and was recently facing eviction from her apartment. She has just started working again, and is unable to pay this amount every month. I am now retired and receive social security. I asked to possibly negotiate a settlement, but was told that is not an option. Discover has temporary payment assistance and consolidation, but those options just add to her existing balance, which if you look at the paperwork, she will be repaying {$26000.00} on a {$10000.00} loan now at 13 %. That's just on one of the loans. How does the government justify allowing banks to take outrageous amounts of money in interest from people struggling. {$17000.00} in interest after already paying {$11000.00}. This is sickening. This woman worked on a XXXX XXXX XXXX for a year and a half, despite the fact that she is a XXXX XXXX with a XXXX XXXX XXXX. She was also a XXXX  on an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXShe 's in debt up to her ears for chosing this profession. There should be some kind of regulation on banks with regard to private student loans.This is terrible that banks are allowed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: DISCOVER BANK
State: MD

Complaint narrative:
On XX/XX/2023, I was checking my email and noticed that XXXX XXXX had sent me two emails informing me about my new credit card the problem was that I had not applied for a new credit card. I proceeded to call XXXX XXXX to report this fraud. They canceled the card and told me they would report it as fraudulent. They advised me to add a credit alert in the Credit bureaus. That day I called XXXX and added a credit alert to my account. 
On XX/XX/2023, I received a phone message from XXXX XXXX Bank telling me that they were trying to contact me about my recent credit card application the problem was again I had not applied for a credit card with any bank. I proceeded to call XXXX XXXX Bank and informed them that I had not applied for a credit card. 
I then opened an account in XXXX to check the hard inquiries on my account and also notice that there was another attempt to open a credit card under my name on Discover Financial Serv. I also called them and informed them that this was a fraudulent application they told me that they would cancel the application and report it as fraudulent. 
I then called XXXX, XXXX, and XXXX to freeze my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
On XX/XX/XXXX, I received an email telling me I had options for a different flight and I asked about a refund. Never told them to give me one. On XX/XX/XXXX, I received an email from American Express saying that I had been refunded for a flight for my honeymoon to XXXX for {$1900.00} Unaware of this, I did not rebook my flights. I booked my flight and hotel together and they only refunded my flight because my flight had been changed. On XX/XX/XXXX six days before my flight leaves, I got a confirmation email saying that the flight I had booked is still ready to go. I showed my wife the email on XX/XX/XXXX and she looked it up and it showed that the flight had been refunded and it was not good to go. I called American Express and they said that I needed to rebook the flight for the new up charge of {$1500.00} per ticket ( I needed two tickets ). They said I would have to book them if I wanted to go and they would create a case for me to dispute the charges and would contact me within 72 hours. American Express does not contact me within 72 hours and by the time they do contact me Im out of the country with no cell service. They called me XX/XX/XXXX. Almost a week later. They email me on the XXXX as well which I respond by telling them I wont be able to get talk because Im out of the country. I will be back on the XXXX. Once I get back, they call me on XX/XX/XXXX. I talk to a female named XXXX. She tells me that they have documentation showing that it was refunded and that I need to take accountability. They offer me a {$500.00} travel voucher thats good for a year. I received an email and a refund but I did not notice it until XX/XX/XXXX. As previously stated above. American Express canceled my flight not my hotel, forced me to book a new flight and add another night, and then told me that I need to take accountability for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
On XX/XX/2022, I took a personal loan from OneMain Financial. The amount was a little bit over XXXX .The lady who processed the loan told me that my interest rate is 35 % ( which is the ceiling I illinois ), and she told me that in just a few months, it will drop either by refinancing or when my credit score gets better ..On XXXX, my score hit about XXXX, and I tried to refinance, but I didn't get approved, instead, it went as a hard inquiry on my credit report ... I was told back then, to wait till I make more payments in order for me to get qualified for a lower rate ..My credit score had been about XXXX since XXXX, so a few weeks ago, I decided to refinance. Again, I got denied and the reason was I didn't have enough credit ... I have had many credit cards and loans during the years and I don't understand why they want to lower my interest rate .I 've been making payments on time and I never missed any payment since I took the loan, but u still see not much difference in my balance ..I wouldn't have taken this loan with this high interest if I wasn't told the interest rate would change in the few months. Now, it's his been almost 10 months, and I'm still making payments with high interest. I also believe the loan offics misled me and wasn't truthful with me the day I took the loan .She promised me that it will drop in a few months.. This lady yelled at me on the phone and she didn't respect me, because I didn't agree with what she told me .She was pressuring me to reapply and get more miney if I qualify.She told me the same lie, the other representative told me when I was applying for refinancing : they both said it won't be a hard inquiry, but when i checked my credit report, the hard inquiry was there .My credit was a bit affected because of that. 
I want an investigator who will take this seriously, because in ky previous complaint, neither the investigator nir the institution took this seriously, and their decision was on theor behalf not in mine. 
Meanwhile, I will be taking a legal action against this institution and every loan agent who scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2023 Chime Visa closed my account and said it was due to inactivity when I called they apologized and reopened my account with no explanation of why but my funds were gone everytime I contacted them they blame someone or something else avoiding responsibility for the money its always a song and dance with them Im new to them and 3 days prior to them closing it I deposited money into this account all deposits equal {$1500.00} total its been 2 months and I havent received anything no correspondence of any kind as far as I can tell at this point banks can do whatever they want and Im just at a total lose please help me recover whats rightfully my family and I property Im a single dad raising teenagers I really could use my money returned to me I guess no one would be accountable for it unless I make them thats why Im filing this report upon googling this with Chime this is something they do and have done in the past to people its an ongoing constant issue and happens to unsuspecting people at random Im not sure if this is a game to them or whats going on theyre very good at deflecting any questions but I have any necessary proof thats needed upon request

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
I am opening this complaint against Block Inc. They replied to the last complaint stating that they could not identify me as the account holder and that they could not disclose any information. For me to reach out to them via the Cash App support. They know that Cash App Support will not assist and that those employees dont have the tools to assist and resolve my claim. Furthermore ; I do not feel comfortable communicating with Cash App without there being some sort of documented reference with a government entity that can track what Block Inc, Cash App is taking me through. 

Block Inc stated in their response that they could not identify me as the account holder. I can clear that up right here and now so that that excuse cant be used any longer and so that they cant keep procrastinating because theyve stolen my money. I have also provided every email directly from XXXX explaining that the funds had been refunded on XX/XX/2023 in the amount of {$460.00} yet Cash App has failed to add those refunded amounts from XXXX back to my balance. 

Thanks, XXXX XXXX Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Email : XXXX Old email address : XXXX Cash Tag : XXXX XXXXXXXX Attached : Drivers License Bank Statement for linked back attached to cash app account. 

Photos of my account details. 

Original Complaint Emails from the merchant XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX. I paid the full balance of {$190.00} to XXXX XXXX a collection agency on behalf of Affirm ( a micro lending company ) on a debt I disagreed with and disputed many times. It is now XX/XX/XXXX and the debt still hasnt been updated to show as paid or current in my XXXX. I have opened numerous disputes with XXXX proving that I paid the balance in full and no longer owe it. This debt is now hurting my job prospects for the feds as I go through processing. 

Im at my wits ends and am preparing to sue to Affirm for incorrectly reporting on my now former debt and not reaching out to XXXX XXXX to see what happened to the money I paid them. The debt went into collections sometime in XXXX, possibly XXXX and I have received numerous attempts to collect on it since. 

Ive also opened a XXXX complaint against Affirm, but at this point I would like to file a consumer finance complaint against them and if need be sue to hold Affirm accountable for incorrectly reporting on my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 explanation
Consumer complaint received 2023-06-14 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: PA

Complaint narrative:
XXXX XXXX response to my CFPB Complaint # XXXX was that they disagree and refused to delete these accounts I disputed. 
My QUESTION is how can XXXX XXXX disagree with my dispute that is solely based upon Gramm - Leach- Billey Act?. 
Which States : - Consumer has a right to privacy.

- Consumer must be given the opportunity to Opt-Out of credit reporting. 

- Consumer must give written permission or some form of consent. I never gave any consent to anyone! 


XXXX XXXX has worsened the situation and made me privy to additional compensation for updating / verifying my information which should not be reporting at all in the first place. I gave no CONSENT!! 
Remove these tradelines 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 non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Paypal supports scammers. 

XX/XX/XXXX. I purchased the XXXX XXXX from XXXX XX/XX/XXXX I received it. 

XX/XX/XXXX ( XXXX  ) I opened it to assemble it. 
I found one huge hole on the panel, peeling on the side, crack on the side. I contacted the seller right away. At the same time I filed a dispute with paypal. 

XX/XX/XXXX XXXX responded to me advising me to dispose the damaged item, however since there is a dispute they can not issue a refund until the dispute is closed. 

I forwarded all information to paypal. XXXX responded to my dispute saying I did not return the item therefore they were not able to refund me. How convenient! They advised me to dispose the item! 
At first I disputed it under Item not As Described. However a representative changed it to credit not received since XXXX did mention they wanted to refund me but they could not because of the dispute. 
XX/XX/XXXX, paypal closed the case in XXXX 's favor because I could not submit proof where XXXX said they would refund me. 

Paypal you are aiding scammers. Shame on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-06-14 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: IL

Complaint narrative:
I've sent in police reports and a ftc report stating that fraudulent accounts were open in my name

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