vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc
State: LA

Complaint narrative:
CFPB Complaint Against Synergistic Communications XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Consumer Financial Protection Bureau ( CFPB ) : I am filing a complaint against Synergistic Communications, a debt collection agency, for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). 
Debt in Question : Briefly describe the debt ( e.g., type of debt, original creditor, amount ). 
State that you are unaware of this debt. 
Violations : FDCPA Violations : 15 USC 1681a ( 4 ) : Synergistic Communications did not provide a written debt validation notice within five days of their initia communication.

HIPAA Violation : They obtained and attempted to collect on medical debt without your consent to share this information ( mention HIPAA if applicable ).

15 USC 1692c ( a ) : They continued to contact you after you revoked your consent to be contacted by phone, email, or text message. 
FCRA Violations : I never received a proper notification of the alleged debt. 
If they claim you received notification, request a copy of the certified receipt with your signature. 
GLBA Violation : 12 CFR 1006.34 : Synergistic Communications failed to provide proof of their license and bond as required by law. 
Requests : Debt Validation : Request a written validation of the debt, including the original creditor, amount, and date of default.

Cease and Desist : Request that Synergistic Communications cease all communication with you except for debt validation purposes.

Proof of Licensing and Bonding : Request documentation proving Synergistic Communications is licensed and bonded to collect debt in your state.

Supporting Documents : Attach any copies of communications you have received from Synergistic Communications, proof that you revoked your consent to be contacted, or any other relevant documentation.

Conclusion : Synergistic Communications ' actions have been unfair and deceptive. I request the CFPB to investigate these violations and take appropriate action. 

Sincerely, XXXX XXXX https : //www.consumerfinance.gov/.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/year> I attempted to call Wells Fargo to make a payment on a Credit Card using a debit card. Despite saying they could do this, the bank transferred me through 3 representatives on the phone, all of whom could not accomplish such a task. 

Wells Fargo engages in the anti consumer practice ( which should really just be illegal ) of purposefully complicating the process by which customers accomplish necessary tasks ( making payments ) if they do not also bank with Wells Fargo. Wells Fargo limits the amount of payments on credit cards that can be made using an outside checking account to XXXX. In order to to make a 5th payment, customers must call. Once you call, they try to instruct you to just make the payments online, even though it is Wells Fargo 's own policy preventing customers from making a payment the obvious way.

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 2024-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
Greetings, I have an auto loan that began around XX/XX/XXXX, that was financed through KiaFinance America. After reaching out to them earlier this year in XX/XX/XXXX they did oblige to my request to adhere to the Louisiana SCRA & decreased my interest from 6.25 rate to 3 %. Which was effective as early as XX/XX/XXXX. However I paid a significant amount in interest over that period of time & I am trying to see if I am entitled to any payment for the interest that accrued over the duration of the loan.

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 2024-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This clumsy deceit comes from the comenity bank, XXXX thought they could scam my name and give my wife the credit card? This flim-flam scam came from them, how did they get my correct address? Why did they use my wifes birthdate? My wife has a ongoing bill and/or account with them, I called some phony person there, he got evasive fast, refused to say how this clumsy idiocy magically happened, TO much of a coincidence, no scumbag thief would magically know my correct address and my wifes birthdate unless it was 1 of there XXXX employees. TO stupid to believe magical identity theft, especially since I have XXXX XXXXXXXX, I pay XXXX to monitor my credit and name ssn, XXXX warns me of any new applications, NO warning, that is why I suspect 1 of there XXXX employees????? Plus there lying because I have a fraud alert on all 3 credit bureaus? HOW did this phony application magically get thru all those barriers I put up????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each erroneously reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, a the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency can 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have an account with Robinhood and regular use their app for XXXX trading and transfers. 

On XX/XX/XXXX I had {$3000.00} worth of USDC transferred to a USDC account number that was provided to me in the app by Robinhood. ( I am including a screenshot of the address that Robinhood gave me- the transaction hash below shows that the funds were transferred to that account ) I have the transaction hash on the XXXX blockchain that proves that the transfer was successful. 

https : XXXX ( screenshot also attached ) The funds are now in the account that Robinhood requested I transfer the funds to.

Since the transfer i have not been able to access the funds through my Robinhood account. I have reached out to their Customer Support team 4 times. The first time I was told I would receive a response within 24-48 hours. I did NOT receive a response. Each subsequent time I was told the matter was being " escalated '' and that I would hear back from Robinhood. Each time- I received NO response back via the app or my email.

Robinhood is not giving me access to funds that are rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: Experian Information Solutions Inc.
State: MD

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. 

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 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 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 15 U.S.C. 1681B Fair Resolution Delete these accounts 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 2024-04-28 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
SYNC/TJX CO will not remove me as an authorized user. I was placed on this account as an authorized user to rebuild credit. My mother has called twice for removal and this account is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed with your agency approximately three months ago. In my initial complaint, I clearly stated that the accounts listed below are not mine. Despite providing numerous pieces of evidence to support these inaccuracies, I have yet to receive any proof of how Equifax validated these accounts within the designated 30-day period. 

I am deeply concerned about the prolonged and frustrating nature of this process, which has affected me and placed a significant strain on my family. I kindly request your immediate attention to rectify this situation by removing the following accounts from my credit report : XXXX XXXX Account # XXXX Date Opened - XX/XX/XXXX XXXXXXXX XXXX Account # XXXX Date Opened - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Date Opened- XX/XX/XXXX DEPT OF ED/ XXXX Account # XXXX Date Opened XX/XX/XXXX DEPT OF ED/ XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX. XXXX XXXX. 
Account # XXXX Date Opened XX/XX/XXXX In addition according to 15 U.S. Code 1681e - Compliance procedures Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Please delete the accounts above from my account immediately if this is not done I will have to involve a lawyer and take further legal action to rectify this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope you're doing well. I need to report an error I found on my credit report. It says I made a late payment, but I actually paid on time. It's important that credit reports are accurate, so I'm reaching out. 

I've attached a copy of my credit report with the supposed late payment date ( XX/XX/2024 ). Can you investigate this? If you can't find proof of a late payment, can you fix it to show that I paid on time? 

Thanks for your help and quick action on this.

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 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
The repeated and seemingly arbitrary charges imposed by U.S. Bank on the complainant 's account paint a troubling picture of financial management and customer care. Over a span of just several days, the client hand been hit with multiple {$30.00} fees on various dates including XX/XX/XXXX, twice on XX/XX/XXXX, and an alarming three times on XX/XX/XXXX. This amounts to substantial sums being deducted from the account under ambiguous pretenses such as " analysis service charge '' or unspecified transaction fees. The frequency and regularity of these charges suggest more than just a series of isolated banking errors ; they hint at a systemic issue that could border on fraudulent activity, especially when considering the massive financial burden it places on the account holder. Without transparent justification provided for these deductions, which sometimes occur multiple times within a single day, it is reasonable for any customer to feel exploited and to question the integrity of their banking institution 's practices. This situation not only calls for immediate rectification but also prompts broader inquiries into regulatory oversight and consumer protection mechanisms in place to safeguard customers from potential bank malpractices. 

The egregious pattern of fees charged by U.S. Bank as detailed in a customer 's complaint raises serious concerns about the transparency and fairness of the bank 's billing practices. The customer reports being systematically charged {$30.00} multiple times across several days, including instances with up to two or three such deductions on a single day, culminating in significant financial loss without clear justification or prior explanation from the institution. This situation is further compounded by an analysis service charge of {$40.00}, adding to the mounting frustrations and financial burden experienced by the customer. Such repeated and high-frequency fees severely strain the trust between a financial institution and its clients, who rightfully expect clarity, fairness, and respect in all transactions. Given this account of frequent unexplained debits from their account, it becomes imperative that U.S. Bank addresses these claims with utmost urgencyreviewing transaction histories, clarifying each charge imposed, refunding any erroneous or unjustified fees, and issuing a formal apology to restore confidence and ensure accountability. This scenario underscores a need for greater oversight into how banks levy charges on consumer accounts to prevent potential exploitation and preserve client relationships.

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 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Requested proof 3 x 's to verify this debt belongs to me with no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
last month i recived a letter then Called MCM collection agency located XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX there web address is www.midlandcredit.com there phone # is XXXX and told then that I im in the process of a XXXX  XXXX bankruptcy for the amount of {$24000.00} and all my dept / ubsecured credit then gave then all my attornys contact information but they still call and send me collection letters

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: TN

Complaint narrative:
In accordance with the fair credit Reporting act, this company 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 an account without my written instructions. 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. I sent a letter asking this company to show proof that I was late on this account, and they failed to do so. I was never late on these accounts, and I demand they be updated too positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated; Remarks ; Payment Received. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account Details Account Details Payment Status Pay Status >Account Paid in Full ; was a Collection< Date Closed XX/XX/XXXX Last Payment Date XX/XX/XXXX INFORMATION UPDATED : In response to your request, a change was made to this item ( 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 2024-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA

Complaint narrative:
CFPB Complaint for Debt Collection Abuse Please note : I can not provide legal advice. This is a template to get you started. You may want to consult with an attorney to ensure your complaint is accurate and reflects your specific situation. 
I. Introduction I am writing to file a complaint against the XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXXXXXX XXXX  XXXX '' ) for violating the Fair Debt Collection Practices Act ( " FDCPA '' ). I am disputing all debt that XXXXXXXX XXXX XXXX XXXXXXXX claims I owe. 
XXXX. Details of the Alleged Violation Disputing the Debt : I have no knowledge of this debt and believe it is in error. 
Lack of Communication Preferences : I revoke all consent for XXXX XXXXXXXX XXXX XXXX to contact me by phone, email, text message, or any other means. 
Debt Validation : I request written validation of the debt, including the original creditor, amount of the debt, and a breakdown of charges. 
Purchase Agreement : If applicable, I request a copy of the purchase agreement between me and XXXX XXXX XXXX XXXX. If Licensing and Bonding : I request proof that XXXX XXXXXXXX XXXX XXXXXXXX is licensed and bonded, as required by 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( C ) ( 4 ) ( i ), and 12 CFR 1006.34 ( d ).

Fair Credit Reporting Act ( FCRA ) Violations : I believe XXXX XXXXXXXX XXXX XXXXXXXX has violated 15 USC 1681s-2 ( 7 ) ( a ) by failing to provide proper notification and opportunity to dispute the debt. 
HIPAA Violation : I have not consented to anyone sharing my medical information with XXXX XXXXXXXX XXXX XXXXXXXX. This is a potential violation of the Health Insurance Portability and Accountability Act ( HIPAA ) 1681a ( 4 ). 
XXXX XXXX : I never received the required five-day notice before collection activities began. 
XXXX. Request for Relief I request that XXXX XXXX XXXX XXXXXXXX : Cease all communication attempts. 
Validate the debt in writing. 
Provide a copy of the purchase agreement ( if applicable ). 
Furnish proof of licensing and bonding. 
Correct any inaccuracies with credit reporting agencies. 
Remove any reference to medical information from their records. 
IV. Response Time and Notice I expect a response from XXXX XXXXXXXX XXXX XXXXXXXX within 15 days of receiving this complaint. Please be aware that your silence will be considered an admission of guilt. 
V. Additional Information [ Attach any relevant documents here, such as copies of communications from XXXX XXXXXXXX XXXX XXXXXXXX ] Please note : I am unaware of this debt and have not had a fair opportunity to dispute it. I request a certified receipt with my signature for this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Louisiana XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief