vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On or about XX/XX/2023, I opened an online savings account with Synchrony Bank. On XX/XX/2023, {$20000.00} was debited from my personal checking account with XXXX XXXX XXXX to fund my Synchrony Savings Account. On or about XX/XX/2023, {$5500.00} was debited from my XXXX XXXX XXXX XXXX to fund my Synchrony Savings Account. On or about XX/XX/2023, {$27000.00} was debited from my XXXX XXXX XXXX XXXX XXXX to fund my Synchrony Savings Account. A total of {$52000.00} had been deposited with Synchrony Back. 

As of today, XX/XX/2023, I do not have access to my funds and I no longer have online access to my account. I have spoken with Synchrony Bank on multiple occasions have been informed, most recently on XX/XX/2023, and I have been informed there is a restriction on my account and that the funds can be unavailable for up to an additional 60 days. I informed Synchrony Bank on multiple occasions that having my fund be unavailable for 90 plus days is unacceptable as this is a savings account and not an investment nor a CD and I will be irreparably damaged if I do not have access to my funds ASAP. I informed Synchrony Bank to immediately lift the restriction to my funds, or to remit my funds back to my originating accounts with interest immediately. Synchrony Bank has refused to do this. 

I have further informed Synchrony Bank that I have lost faith in their solvency, given the fact that I am not allowed to access MY liquid funds and now have grave concerns about the safety of my funds. This is even compounded by the fact that Synchrony bank has deleted my online access and have provided me with no statement indicating the amount of funds they are holding for me. From outwards appearance, it doesnt even appear that my account with Synchrony Bank exists. 

I have statements from all my originating accounts showing the funds being debited and remitted to Synchrony Bank. 

I demand immediate access to my funds, return of my funds to their original accounts with interest or FDIC insured coverage for my funds.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: IA

Complaint narrative:
U.S. Bank offered me a settlement on a closed checking account of mine which had a negative balance. The settlement amount was {$270.00} the original amount was XXXX. I paid the settlement amount on XX/XX/2023. I requested a letter confirming that I paid this amount. I received the letter from US BANK which is dated XX/XX/2023. The letter states that the account is considered settled in full and will be reported accordingly and no further balance will be due to U.S BANK which is great for me. Then to my dismay I received a letter from XXXX XXXX stating that I made a partial payment and that a balance of {$400.00} The letter stated the source of the information was from U.S BANK I sent the letter that U.S BANK sent me to XXXX SYSTEMS and called them and they told me they received it but couldn't change the status of the account until they did another investigation and confirmed the validity of the letter I got from U.S.BANK. I called US BANK to ask why my letter says one thing but they are reporting another and the myriad of explanations I got were bizarre. The first representative I got attempted to tell me well it is a partial payment and that what a settlement is, as I argued with this rude young woman and told her the letter that I have says the account is considered settle in full and no balance is owed she hung up on me. Then I spoke with a supervisor who told me they can't control the wording of XXXX XXXX. I asked what was reported to XXXX XXXX and the sup said well we just send them an alert we don't send them letters however the representative I spoke with before said they sent XXXX XXXX the letter so I'm being lied to. I have a bank but it is out of state and I want to switch to a local bank but I can't because of 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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been unable to access my Equifax credit report through Equifax 's website for over 2 months. Each time I try to access my report I receive a message that states, " We are temporarily unable to complete this request. Please try again later. '' I have called Equifax twice to report the issue -- each time I have been told that the issue has been 'escalated ' ; however, there has been no confirmatory email, nor has there been an communication from Equifax via the U.S. mail. I am still unable to access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently received a copy of my Experian consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX Account # : XXXX Dates Of Late Payments : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; UPDATE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT TO ( CHANGE AS AGREED ) or ( OK ), this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-05-24 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: NV

Complaint narrative:
I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e 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 relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesAccording to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards were followed.

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 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received an offer in the mail to open a checking and savings account and receive bonuses. The terms were as folllows : " To Earn Bonus : To earn a {$300.00} Checking bonus, open your first new personal checking account between XX/XX/XXXX and XX/XX/XXXX and have at least one single direct deposit of {$500.00} or more post to your new checking 1 Official USPS Change-of-Address Form https : XXXX... 
XXXX of XXXX XX/XX/XXXX, XXXX account within 60 days of account opening. To earn a {$300.00} Savings bonus, open your first new personal savings account on the same date as the above new checking account ( direct deposit not required ) and make at least XXXX single deposit of {$200.00} or multiple deposits totaling {$200.00} into the new savings account every month for XXXX consecutive months as noted in the table below. A total of {$600.00} must be on deposit in the new savings account as of the date noted in the table below. To earn the total {$600.00} bonus, you must qualify for both the Checking and the Savings bonuses noted above. '' The offer code was XXXX, and after registering the code, I made sure with XXXX that it was registered correctly. 

I went into the branch in person, twice, to make sure the account was coded correctly to receive the bonus. Both times, representatives told me that the account was coded for a different promotion : " $ XXXX checking ( with a single direct deposit of {$500.00} or more ) + $ XXXX savings ( with {$15000.00} minimum deposit ) '' A requirement to maintain a {$15000.00} minimum deposit on the savings account is substantially different ( and worse ) than making a single deposit of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2023 at approximately XXXX XXXX  I called Truist Bank in regards to my repossession and my options. 
I spoke with XXXX ID : XXXX XXXX advised that a certified letter of right to cure was sent. I received no notice from he postman that a signature was required to receive my certified letter leading me to believe one was not sent. I requested my payment history, copy of right to cure letter, copy of contract and the payoff quote. I also requested to speak to a supervisor and was immediately told none were available. I was not given the option to hold to see if one was available. I was told they were all on another call and it would be at least an hour before that call was over. I requested to hold until a supervisor was available and was denied the right to hold. I was told I would receive a call back when the hour phone call they were on ended. I have the past due amount plus the repo fee but they're refusing to accept it unless I give them {$5700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy.15USC1681 section 604A section 2 ; it also states a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and Consumer Credit Plan as late for any purpose.

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 2023-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: FL

Complaint narrative:
UNIFI is trying to collect a debt from another debt collection agency that is past the statute of limitations. XXXX XXXX  is claiming i owe a debt to them, i am unaware of what this is. XXXX XXXX  yet to provide verifying information to attach me to this debt. This debt is also past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e 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 Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements.

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 2023-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I have contacted Global Lending Services ( GLS ) in regard to the reporting status of furnishing to late payments. This a direct violation 15 USC 1666B correction of billing error ( i ) make appropriate corrections in the account of the obligator, including the crediting of any finance charges amounts erroneously billed, and transmit to the obligator a notification of such corrections and the creditor 's explanation of any change in the amount indicated by the obligator under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligor 's indebtness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This charge off account from XXXX is not reporting correctly. I have disputed with all three bureaus and all three come back as verified-meets fcra requirements If they all get the same information from the same creditor then the information should report the same across all three bureaus. All three had failed to correctly verify the information I have asked in all of my previous 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 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I have a RoarMoney lion checking account # XXXX with routing number XXXX set up where my direct deposit comes in from my employer XXXX XXXX XXXX XXXX. I made another deposit from my XXXX account in the amount of {$7800.00} on XX/XX/XXXX using my Moneylion card ending in XXXX connected to my checking account ending in XXXX to make the deposit. The customer service rep said this flagged my account and they have restricted access to my account since XX/XX/2023, and I have provided several screen shots and XXXX statements proving that the XXXX account is valid, and the money was deposited by me. 

I asked that they close my account and refund the full balance of over XXXX in my checking account ending in XXXX or give me back access to my money. This is a criminal act they are committing restricting access to my own checking account because of one valid transaction done by me. I have also made many purchases from my Moneylion card ending in XXXX connected to my checking account ending in XXXX from my XXXX account. Obviously, these people use no common sense and also what right do they have to deny me my own money because of a single transaction that is my own account regardless of one single transaction.

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