vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am XXXX XXXX XXXX. I have been using care credit/Synchrony bank for the past few years.When I first signed up I requested my bill to be sent through US postal service. Any contacts through text message. Everything was fine with receiving bills by mail.It wasnt until the last few months paper bills stopped and I started getting COURTESY TEXTS to pay my bill. I thought nothing of this since it was a courtesy text. Actually thought it was nice of them. As soon as I got text I called payed bill over phone. I had no problem with paying like this since I requested text notification. It wasnt until I received a text to pay bill. I called care credit it then dawned on my my balances are going up not down. I spoke to a representative XXXX she informed me that these courtesy calls were actually LATE payment reminders not my monthly bill to pay. She said company switched to electronic billing and I should of been notified.I told herI was mot notified. I would never agree to pay XXXX dollars interest on XXXX dollar payments. She checked and said I DID NOT have electronic account set up. She did offerbto help me to set it up.Since they were aware I wanted to be billed by mail I became upset over the the interest I was paying each month and not even being aware till recently. How could I possibly pay a bill electronically not knowing anything about an electronic account? I was told they can only remove 1 late payment. I requested to speak with a supervisor. Supervisor XXXX XXXX spoke with me. She seemed not to want to be bothered and was unprofessional and rude. I explained the above to her. She came to the conclusion I was notified and that I WAS NOT THERE ONLY CUSTOMER. IT WAS NOT THERE RESPONSIBILITY TO NOTIFY ME PERSONALLY. XXXX XXXX refused any additional help. Yes I was upset thats expected. XXXX as supervisor should of behaved in a professional manner for which she did not.She should of gotten another account manager who could react in a professional manner when she no longer could.I am requesting the above complaint to be investigated and all late payments returned to me.

I am thanking you in advance for any help you can give me. 
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 monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
Setting up online banking or requesting account info over the phone requires me to provide my full social security number. Old National bank personnel are very adamant about the quality of their security protocols, but they don't seem to understand that their practice of requiring full SSNs to even get in to their system presents an unnecessary security risk to customers. The fact that the Social Security Administration itself, along with the NSA, Dep't of Homeland Security , Dep't of Defense, and many others including banks, have been hacked rendering these assurances moot, It is unnecessary to provide a full SSN to verify someone's ID. Old National is the only institution I deal with that requires this. All others require only the last XXXX digits of the XXXX to verify XXXX XXXX XXXX from another. 

Old National exposes its customers to abuse and corruption by creating an avoidable opportunity for data miners, scammers, and other nefarious actors to poach important personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: PA

Complaint narrative:
My consumer report has been improperly used and my rights have been violated. 
In accordance to 15 USC 6801,6802. I was supposed to be given appropriate notices to report anything on my consumer report and then be given the option to opt in or opt out of allowing that information to be reported to my consumer report and then be given the exact process to be able to opt out securely.

This information is an invasion of my privacy rights.

The Granm Leach Billey Act 15 USC 6802 states that I as a consumer should receive a notice and that this information can not be reported in public, it is my personal information and the listed items below should be removed immediately because I never received a notice nor did I give my permission to anyone. 
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 I never received NOTICE or gave anyone PERMISSION. Remove these items from my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Company is unable to provide any original documents in to confirm the debt is actually mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: SC

Complaint narrative:
On Friday XX/XX/XXXX I randomly received an email from Credit Karma stating my Money Spend account was frozen and to contact support. I contacted customer service to find out why it was frozen and no one could tell me why. I then asked how long the issue could take because I needed access to my funds. Once again nobody has a standard timeframe on anything. I contacted them multiple time to try and find out what made them freeze my account and kept getting the same response of they dont know why and a special team is investigating and Ill hear back. I called by phone and requested a supervisor who couldnt answer my questions either. I expressed to them I needed to speak with someone who does has answers because I needed access to my funds to pay bills and need to know why it was frozen and what needed to be done. Still no resolution. I asked them how much is there to investigate when the only transaction on the account was a direct deposit that hit the account that very same day. I told them the name of the deposit, my fiancs name ( his direct deposit ) and told them his address ( which is the same as mine, address thats associated with my credit karma account ). The supervisor even hung up the phone in my face which is very unprofessional. Here it is over 24hrs later and I still cant access my funds nor does anyone still have any answers. I have XXXX kids, XXXX who are still in diapers/pull-ups. This is a huge inconvenience and a company shouldnt take this long to resolve issues concerning members funds. This jeopardizes peoples livelihood when you cant even purchase necessities to live on a daily. They need a better and quicker process on how they handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Truist was advertising a {$400.00} bonus for opening a new checking account and having atleast two direct deposits totaling {$1000.00} within 90 days in XX/XX/2023. I opened a personal checking account thru their online process on XXXX XX/XX/2023 & successfully enrolled in that offer. Two days later I couldn't login to online banking anymore. Upon reaching out to customer care I learnt that my account was frozen and I would have to go into a branch for identity verification. I explained that this wouldn't be possible as they don't have a branch in XXXX, OH where I live and the nearest branch is a 2 hour drive away. After multiple calls and me trying to get the identity verification done virtually yielded no results, I asked that the account be closed and my initial deposit be returned. I waited for three months and then finally filed a CFPB complaint XXXX XXXX XXXX  ) to get my {$50.00} back on XXXX XX/XX/2023. 

On XXXX XX/XX/2023 I received an email about an account statement being available and a letter from XXXX XXXX informing me that they were able to verify my identity and re-started my account. I called customer care and they informed me that the clock on my bonus offer had reset and I could still setup two direct deposits to receive the {$400.00} bonus within 90 days. I successfully completed that and waited until the advised period but they did not credit the {$400.00} bonus. Reached out to customer care again and escalated to a supervisor who had an analyst review the case and informed me 30 days later that they acknowledge my account was frozen so I couldn't deposit any amount but they are not going to honor the the promotional offer because it had to be within 90 days of XXXX XX/XX/2023. 

I find this extremely unfair on their part due to a number of reasons - 1 ) They automatically closed my account and didn't provide an alternative to ID verification, but when I submitted my first CFPB complaint they were suddenly able to verify my identity without needing me to show up in a branch. If that was possible why did they not do it in XXXX itself so I could still meet the offer terms. They kept insisting going to a branch was the only way to complete ID verification but that was not true. Truist 's actions and conflicting information provided by their customer care team actively precluded me from completing the activities for the bonus. When they restarted my account they should have ensured the offer applies too so I had a fair shot at completing it. 

2 ) They were still offering the same promotional offer to new customers between XXXX XXXX to XX/XX/2023. I have a screenshot showing the online ad that was displayed. That is the time period in which I completed the same activities but I am not getting the bonus

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 2023-09-02 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: MD

Complaint narrative:
In accordance with the XXXX XXXX XXXX. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions. 15 USC 1681C ( a ) ( 5 ) 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 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 has reasonable cause to believe the information is inaccurate. The following accounts are being disputed : Account Name XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number 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 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NC

Complaint narrative:
My account information/debit card was compromised, XXXX had taken money out of my account XX/XX/XXXX and XXXX. I filed a claim the same month, they retrieved my funds and put my account on hold. I went into 2 branches personally and brought my drivers license and passport because I had spoken with several representatives on the phone and they were telling me if I went into the branch to verify myself I would be able to get my funds. The branch manager at the " XXXX XXXX XXXX, XXXX, NC XXXX '' branch ( XXXX I believe his name was ) made me wait in the waiting room for hours at a time trying to find reasons for me not to get my money and interrogating me about what was going on when I had already talked to the fraud department in depth about the issue. He had them lock my account to where I couldn't get anything out and they've had it locked since XXXX telling me to wait and that I will receive an update in the mail but I have yet to receive anything. They told me time and time again that they got my money back and that I won the dispute but they've been holding my money and not telling me anything, saying that they can't give me any information. I asked them to send me my money and close my account because I've had constant issues with them but they refuse to give me my money and close 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 monetary relief
Consumer complaint received 2023-09-02 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: FL

Complaint narrative:
To whom it may concern, In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX has violated my rights reporting on Collection XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. This is a fraud! 
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.

The Fair Credit Reporting Act 's ( FCRA ) Section 611 allows consumers to challenge inaccurate information on their credit reports. They are reporting inaccurate information in credit bureaus because only was reported in Transunion while XXXX and XXXX did not. Also I did not know about this account, this is a fraud!

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
my personal address and employment on my credit reports are incorrect and must be changed. it reflects wrong information PLEASE REMOVE ALL OTHER ADDRESS OFF MY REPORT AS THEY ARE NOT DELIVERABLE TO ME BY US POSTAL OFFICE ANT THEY ARE NOT REPORTABLE PER FRCA SINCE THEY ARE 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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
my personal address and employment on my credit reports are incorrect and must be changed. it reflects wrong information PLEASE REMOVE ALL OTHER ADDRESS OFF MY REPORT AS THEY ARE NOT DELIVERABLE TO ME BY US POSTAL OFFICE ANT THEY ARE NOT REPORTABLE PER FRCA SINCE THEY ARE INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent in a dispute document XXXX with my drivers license and my ss number I received a letter from equifax stating they cant dispute it because they need a copy of my ss and my drivers license which I have already sent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Company was taking money from account not sure who and how told Wells Fargo was told by them that they can not promise they will not stop taking money and it continued to take me into overdraft. Money was lost for several months. One of my accounts was closed due to account being overdrawn for so long.

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 2023-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/2023, I received an email notification from Affirm that my account was nearing 60 days past due, at which point my delinquency may be reported. The email also stated to resolve my outstanding payment today. I then called Affirm and spoke with a representative who stated that Affirm does not report 30 day delinquencies, but does report 60 day delinquencies. The representative also said that a payment was needed to be made by XX/XX/XXXX to prevent the account from going 60 days past due and avoiding a possible 60 day late credit mark. On XX/XX/XXXX, I logged into the Affirm website and paid off the loan in full. Unfortunately, Affirm still reported the account as 60 days past due. I previously disputed this through my XXXX credit monitoring file, but Affirm did not correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: OH

Complaint narrative:
This Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. The bureaus have not responded and the Federal Reporting Agency has not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days. 
Please delete the following account the are not accurate : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX OH XXXX the above accounts are not correct. I have challenged them before.

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 2023-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
Student loans were forgiven under XXXX Vs XXXX, as part of the agreement Advantage is required to place loans in forbearance until the loan forgiveness can be applied. Advantage has not placed these loans in forbearance and these loans are now accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
In XXXX I received an email from Citizens that my mortgage payment was late. As this was not correct I went to my bank and obtained proof that they had received the payments. I contacted Citizens and I found out they had rejected the payments due to the fact they had changed the payment amount. I had not been notified of this change. I questioned where this notification was sent and they provided an address that was not mine. We determined my ex-husband had committed wire fraud, I then sent them my divorce papers, the quit claim deed showing he had no right to the house and I was the responsible party. On XX/XX/XXXX I spoke to XXXX at Citizens about assuming my mortgage due to divorce. I was told they would mail me papers to complete to assume the mortgage. It took them over two months to send them and several phone call from me to them to actually get them to mail them to me. Over the last year I have sent them the paperwork they requested for me to assume the loan. I have also provided them with a W-9 as well as my husband 's death certificate. They will not refund the two mortgage payments they rejected even though they confirmed in XXXX the checks had not been cashed. This is {$3200.00}. They took over a year to change my name despite me providing them with the documents showing I had been granted a legal name change by the court in XXXX of XXXX. Then in XXXX of XXXX they emailed me an escrow refund check made out to my now deceased ex husband and me in the amount of {$730.00} however they had still not changed my name and I can not cash this check. I have had numerous conversations with Citizens and have even been put in touch with the Chairman 's office but despite being told by them all I need to do was sign one document to assume the loan I have been unable to do so. they continue to ask for documents they did not need to deliberately delay this and I believe they did so to prevent me from refinancing my loan with another company while the rates were lower. I also think they may be discriminating against me due to my age.

Company response to consumer: Closed with explanation