vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/2019, I called PayPal Credit to understand how my payments are being allocated. I currently have two active promotions with PayPal Credit, a 0 % for 24 months Easy   Payments and a 0 % for 6 months with deferred interest. In XXXX I payed two payments totaling {$400.00} and in XXXX I payed {$450.00}, both months paying well over my minimum amount with the intent of all of the money over my payment to apply to my 0 % for 6 months promotion in order to pay it off before XX/XX/2019 when if becomes an interest bearing account. 

I noticed today, XX/XX/2019, that all of the month I paid in XXXX and XXXX, with the exception of the minimum amount that was allocated to the 0 % for 6 months, was allocated to the 24 month fixed term. When I called on XX/XX/2019 to correct this issue, I was told by a representative named XXXX that all payments in excess of the minimum payment will automatically go towards the Easy Payments term first, until the 6 month promotion term is within 30 days of becoming due. XXXX also said that if I wanted to make changes to how payments are allocated that I would have to call in and that the process would take up to five days to complete. I asked to speak to a supervisor because I was concerned by this process. I spoke with a manager named XXXX and she echoed the statements of XXXX and said that my XXXX and XXXX payments were being reallocated. 

It is my understanding that under the Dodd-Frank Act that all line of credit payments are to be allocated to the highest interest bearing portions of the account first. In this case, I do not need the extra month applied to the the 0 % for 24 months as that promotion is a fixed term that pays off after the 24 months. Instead, I need any extra payments applied to the shortest term which will become interest bearing in only three months from now. 

The fact that I have to call PayPal Credit to have them reallocate my payment is unacceptable. When I called on XX/XX/2019, there was an 18-23 minute wait time. Luckily they did offer a system that calls me back but for me to have to do this every time I make a payment in excess of my minimum payment is ridiculous. This process is a ploy to make customers go " the long route '' to correct issues on their accounts with hopes that they will give up out of frustration and PayPal Credit can reap the benefits when the account becomes interest bearing.

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 2019-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I'm trying to qualify for a mortgage in Tennessee, and every one of about a dozen lenders have refused to follow either of this section of Handbook 4000.1 : A Title II Insured Housing Programs Forward Mortgage ( I ) Rental Income ( Manual ) II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT A. Title II Insured Housing Programs Forward Mortgages 5 Manual Underwriting of the Borrower b. Income Requirements ( Manual ) Effective Income Definition ( I ) Rental Income ( Manual ) ( 3 ) Rental Income from Other Real Estate Holdings ( Manual ) ( c ) Calculation of Effective Net Rental Income ( i ) Limited or No History of Rental Income To calculate the effective net Rental Income from other real estate holdings where the Borrower does not have a history of Rental Income since the previous tax filing, the Mortgagee must deduct the PITI from the lesser of : the monthly operating income reported on XXXX XXXX Form 998, or 75 percent of the lesser of : fair market rent reported by the Appraiser ; or the rent reflected in the lease or other rental agreement. 

Every lender calculates income by using ONLY the total amounts reported for each tax year. For example, a property that brought in a single {$200.00} rental payment in XX/XX/XXXX, and has been re-leased for {$500.00} a month in XX/XX/XXXX, shows up as {$12.00} a month in current income considering a 25 % vacancy factor : ( {$200.00} / 12 x .75 ). 
All rental income has been reported to the IRS for the past ten plus years. Including the recently established rentals on  properties owned for years, and it now generates gross rental income of {$5000.00} per month ; but no lender will count more than {$1500.00} of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I have a hard inquiry on my TransUnion credit history that was supposed to be taken off on date XX/XX/2018. With this inquiry my credit his being held down/no room for me to have another inquiry. Please tale this inquiry offf that isnt supposed to be there. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
I set up an automatic deposit from my XXXX state-issued unemployment benefits debit card ( Conduent, Way2Go.com, XXXX ) on XX/XX/2019. On XXXX.19 & XXXX.19 my weekly benefit was deposited into my way2go.com account and also deducted as a transfer to my personal bank account ( as requested via the automatic deposit setup option ). Said deductions for transfer show that they were transferred to my bank, but never made it to my account ( confirmed by bank ). I've contacted customer service twice and both times told they couldn't tell me where the deposits were sent, only that I have to wait 10 business days and then file a dispute if the money hasn't been deposited back to my XXXX card. The online dispute option will only allow me to dispute certain transactions and of course mine is not one of them. ( see attached screen shot ). I am only allowed to contact customer service 2 times per month before being charged per call after. What kind of customer service is that! I'm now missing close to {$1000.00}, with no other means, resources, or contacts to get my money back except to call customer service at {$5.00} per call. This is corrupt all the way around! I recommend looking at the reviews others in my situation have had. The XXXX   has hundreds of complaints about fraudulent charges, transfers and just flat out missing funds with no recourse for the consumer. I'm beyond upset and will be contacting my state government and anyone else that needs to be aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
adding debt that is not known to me XXXX and XXXX XXXX sent the ftc violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BRite Financial Services, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and on XX/XX/2019 i financed a car and the next day I gave the sales representative my tag information to transfer to the new car..they claim that its something wrong with the tag and that they have issued a new one and I have to pay XXXX now instead of XXXX.. My tag has been expired since XX/XX/2019 and its XX/XX/2019 and they don't want to issue another paper tag until the situation is resolved I'm ready to give the car back and go to another dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NH

Complaint narrative:
I purchased my home in XX/XX/2018 and have had issues with Shellpoint since. They paid my towns taxes 3 months late to start and had issues locating the check once it was supposedly paid. Most recently we refinanced with another financial institution and when issued our escrow refund, we were shorted {$100.00}. When questioned where my {$100.00} was, no one could tell me. 3 weeks later and they still can not figure out why the money was taken from my escrow. I also received a certified letter in the mail this weekend which was supposed to include my payment history, instead it included a different person 's entire loan summary. This is a huge privacy violation and I am also concerned that my information was sent to someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Initial transaction started on XX/XX/2018 and completed on XX/XX/2018, We strongly believe the entire transaction was misleading, untruthful and we believe to be fraudulent. Believe we are being unfairly charged on our monthly car premium. Also, upon completion of the paperwork, we were allowed to drive the  vehicle off of the dealership lot without having any car insurance coverage for that vehicle. We have not received any response from anyone from the dealership or GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
adding debt that is not known to me portfolio and XXXX XXXX sent the ftc violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: ERC
State: TX

Complaint narrative:
adding debt that is not known to me XXXX and enchance recovery sent the ftc violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I went online to make a mortgage payment. Online the website says that late fees will charged after the XXXX of the month. I made my payment on the XXXX and was charged a fee of {$6.00} to make the payment. I then called to ask why the payment was {$6.00} higher than my actual mortgage payment and I was told that this was the fee to make a payment online after the XXXX of the month, and it wasn't technically a late fee, it is a processing fee. But there is no " processing fee to make the payment prior to that date '' clearly making this a late fee. I was also told that I could have called and made a payment over the phone at no charge. 
This is clearly deceptive as it is not clearly disclosed on the website as the website only references there being a fee after the XXXX. They use deceptive terminology when calling them in an attempt to con the payer by calling this fee a processing fee. But in reality it is a late fee as it is only triggered when making the payment beyond a certain date. I spent 40 minutes on the phone and spoke with 4 representatives. The last one told me to call back in couple of days.

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 2019-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have tried to work with XXXX Comenity Bank. There backend system does not have an alert system built in to notify the customer when a payment is due. Comenity Bank 's Parent company Alliance Data also owns XXXX XXXX. Tell me why XXXX XXXX has all the bells and whistles to alert the customer of a payment not being received on the day due, but yet Comenity Bank ONLY sends 1 email notification for the statement. They have no other email sent, AND they also do not offer any type of alert system like text or email notification within x amount of days when bill is due like 99 % of credit cards I own. 

XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, they all have some type of alert system. Comenity   claims they don't have this because they aren't a typical Mastercard or Visa card. 

Comenity Bank also charges the industries HIGHEST fees for late payments. {$39.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This agency mailed repeated collection notices to my son and shared confidential information in those notices. This was an account they purchased from XXXX after bank would not accept a 5 year payout plan ( I attempted to settle with XXXX ) in 2012 after property was wiped out in a coastal storm. This debt is 7 years old and should be removed from my report. I will not negotiate with these loan sharks! They refuse to remove this from my credit report although they agreed to no longer contact me or other relatives. Thats not acceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hello, Thank you for helping me update my credit report in the following complaint Re : Account ending in XXXX Capital One Case : XXXX CFPB Case : XXXX However, Capitol One has reaged the account which has caused many problems. Capitol One has listed the date of first delinquency as XX/XX/2019 ( see attached proof ). This has caused my scores to tank. 

I would also like to say I love Capitol One. I have 2 credit cards, my wife has one with Capitol One. I also have an auto loan with Capitol One. 

Also we are selling our house and have substantial equity and will be opening a new checking account with Capitol One to deposit these funds. 

I just don't want this complaint to come off hostile. I just don't know any other way to talk to a human about these issues. 

That being said this is a major violation of the FCRA. Please delete this tradeline fro all three credit bureaus. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Im in the process of refinancing my loan. 
My current loan is with Franklin American Mortgage. Due to the government shutdown early this year my loan was placed in forbearance however I was never late on any payment and my loan was always kept in good standing. During the refinance process the under writer requested a letter from Franklin mortgage stating my loan is out of forbearance, in good standing and that Franklin would remove the forbearance issue from my credit report. Franklin agreed to sent a letter to the under writer in 24 hours on XX/XX/XXXX today is XX/XX/XXXX and there is no letter. 
My credit report continues to be affected and so is the refinance process

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
O and L Law Group have garnished from my salary because of my debt, but refused to give me satisfaction of writ of garnishment.Until now this law group had continued to garnish money from my salary for another account that had been dismissed from the court twice.I hope you can help me resolve this situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: KEYCORP
State: ID

Complaint narrative:
Account had a debit of XXXX to XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX, i have no idea what this charge is for. The bank said the card was present at the time and since i still have my card it had to be legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
XX/XX/XXXX GM Financial XXXX. XXXX  XXXX XXXX, AZ XXXX To whomever it may concern : GM Financial Account Number : XXXX I am reaching out in regards to my above listed account and the negative reporting GM Financial has submitted to the credit bureau. As of XX/XX/XXXX I have provided GM financial with my registration cancellation receipt as have requested. The XXXX XXXX vehicle I had financed through them was totaled in an accident. I had purchased the vehicle in XX/XX/XXXX and therefore I should not be responsible for the tax in the amount of {$430.00} tax from the XXXX Municipal Tax Collector. As you can see form the attached documents this information was submitted in XX/XX/XXXX as you requested ( Fax Confirmation ). 

My most recent credit report shows that GM Financial has reported this as unpaid and past due. I have spoken with GM financial several times and each time they have confirmed that the tax abetment was approved but they have failed to take any action to have this removed. I have spent several hours on the phone with GM Financial and several weeks waiting for replies. As of XX/XX/XXXX, six ( 6 ) months have passed and they have failed to take action on this. I have also opened several disputes with the credit bureau and each time they reach they have come back with confirmation from you that this amount is in fact past due on my account and the reporting can not be removed. 

They have shown to be very irresponsible with how this matter was handled. I have been patient and provided all info they have required, but this matter is affecting me financially as I am unable to refinance my student loans and apply for a mortgage due to this. I am very disappointed that they have not taken ownership to see this matter through and have allowed it to continue for this long. I have requested a simple letter form them to provide to the credit bureau but after confirming they would provide it over a month has passed and I have not received this information. 
This will be the last step I take before taking legal action towards them for damages due in accordance to the interest paid in loans that I am unable to refinance and have to pay higher rates on due to this reporting. 
I am very disappointed that this matter was not handled accordingly. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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 — Investigation took more than 30 days
Company: MIDFIRST BANK
State: GA

Complaint narrative:
I was shocked when i recently reviewed my credit report and found LATE payments on the dates below : Creditor : Midland Mtg/Midfirst Acct # XXXX I was never late 30 days late in the months of XXXX and XXXX. 

I'm not sure how this happened, I have always made my payments on time when i received my statements.My only thought is there was a billing error with my statements. Or recent statements going to and old previous address.

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 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
repoorting hippa violation XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation