vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My XXXX year old mother recently passed away. As the executrix of her will, I am SHOCKED at the fact that she had 21 credit cards at XXXX years old and on fixed income. While I completely understand her responsibility in this situation, I am absolutely APPALLED that the credit card industry - and in particular some of her creditors including this Synchrony Bank - saw no problem with issuing multiple credit cards to someone in that financial situation. Where is the accountability? Where are the controls? Do they even bother to run a debt to income ratio to see whether the customer can afford yet another minimum payment? Even if you assume all the cards are small enough to only have minimum payments of {$25.00} ( which was not the case here ), that is over {$500.00} per month for someone on fixed income. And God knows what the interest rates were on all these accounts. 

Now, as executrix of her estate, I am getting collection letters from a recovery agency. At the interest rates these lower level card providers like Synchrony charge, my mother has likely paid hundreds if not thousands of dollars more than borrowed. And they are trying to bully her heirs into paying them more. If you are giving multiple cards to someone that can't afford them, you really ought to take the loss and move on, rather than further torture the family, don't you think? You took a risk - a bad one - by issuing all these cards to someone vulnerable that couldn't pay them all back comfortably. She had a problem - and this company ( SYNCHRONY ) and many others took advantage of her vulnerability. And oh, by the way, she died from a massive GI bleed - likely brought on by STRESS. Gee, I wonder if the fact that she didn't have enough money to pay for food because of these reckless card companies practices had anything to do with that stress? 

These companies need to be held accountable. I work in this industry and we always talk about the elderly and vulnerable being taken advantage of by individuals - who is saving them from the likes of Synchrony bank?

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 2021-05-19 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: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I was a new user with Venmo. I was conducting a XXXX XXXX XXXX XXXX XXXX and requesting funds from parents that had signed up their kids. After sending out several payment requests on XX/XX/2021, I received an email from Venmo stating that my account had been temporarily frozen. During that time I received a payment from a parent for {$150.00}. Venmo asked me for a drivers license picture on XX/XX/2021. On that same day I sent a photo ID to Venmo. On XX/XX/2021 Venmo said that although I provided this information, my account will be permanently closed and my funds would be temporarily held for 180 days. I called customer service on XX/XX/2021 and they told me there was no way they could help me with this issue and that I would need to email an account specialist to assist me. When I asked for a phone number or to be transferred to that department, they said they dont have a phone number and that they could only handle account issues via email. This issue has yet to be resolved. Venmo continues to withhold the funds from me and denied my request to refund the other Venmo user that sent me those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally financial continues to report account past due, which contradicts the Cares Act law that agency are required to report account as current. I have called every month since XX/XX/XXXX trying to get some assistance. On XX/XX/XXXX, Ally employee states that they have no knowledge of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive reached out to TRANSUNION in regards to me being a victim of identity theft and that the accounts on my report were open fraudulently. Ive filed a police report with the FTC ( federal trade commission ) for this serious matter and Ive attached the report and letters Ive sent out to transunion in regards to this matter.

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 2021-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
When paying my XXXX statement on my XXXX Visa Card issued by Synchrony Bank ending XX/XX/2021 I had selected to make a one time payment using the option to pay the full statement balance on XX/XX/2021 - the payment due date. The amount that was paid on XX/XX/XXXX was {$280.00} however the statement balance was {$280.00}, therefore the balance was underpaid by {$.00} and I was then charged interest of {$3.00} on the balance on XX/XX/2021. I then got in contact with Synchrony and I was told that the interest was indeed related to the {$.00} underpayment of the balance. I told them that I had selected to pay the full statement balance, which it seems did not occur, and I was asked by a representative if I had a screenshot of myself selecting the pay statement balance when I chose to pay. I feel this is not a normal request or practice for any reasonable consumer. In the end they did reimburse me for the interest charge " this time ''. However I feel that this is misrepresenting the option that I chose and may be an underhanded attempt at collecting fee 's on the card for which I have never carried a balance on 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 explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I contacted SuperFleet card in regards to our account with XXXX XXXX XXXX  XXXX. We were charged a ridiculous amount in late fees on our account. The amount of the late fee was {$620.00} for one month. We mailed our payment in on time to the vendor but the mail took over two weeks to arrive and be processed by the facility. I asked for the amount to be credited since we are not responsible for slow mail service. The check was clearly postmarked and mailed before the due date. They hide this fee in a ridiculous location hoping the consumer wont see it. I pulled out other bills and saw where they charged me a late fee before. Just in this year alone the fees are {$1500.00}, with the {$620.00} included for three bills where the post office delivered and they processed the payment late. I tried to have them credit our account the full amount of the {$620.00} and they refused saying they would only credit half. This is beyond ridiculous. It is something out of our control and we should not be penalized for it. We spend $ 30,000+ per year with them on their gas card. We should not be charged a late fee when we sent our payment in on time. I would like them to credit our account and fix the issue. Because the fee was hidden deep inside the bill I don't think I would have continued to notice the fees if it had not been for the large jump in our bill so I was trying to see why there was such a large difference.

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 2021-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX rep id : XXXX @ Ally Financial, stated my XX/XX/2021 payment was considered negative and reported negative 30 days late to the credit bureau because Allys 3rd party payment vendor application system didnt post the payment til the following day being it missed the XXXX cut-off time. I asked XXXX if I may speak with her manager. She replied, the mgr was tied-up on the phone with other customers ... I replied, I will hold. The contractual agreement I signed with Alley for my auto loan states my payments are due on the XXXX of the month & reported negative/late the XXXX of the following month if XXXX more days past due. My pymt was accepted and processed via the lenders automated system on XX/XX/XXXX, exactly 30 days after XX/XX/XXXX. I called to confirm no late negative reporting had been reported to the credit reporting bureaus with my account ; however, was informed my payment was considered late because Allys 3rd party vendor XXXX XXXX XXXX  does not post pymts after XXXX, M-F. I have not received any written disclosures in regards to these changed terms and Allys billing system consistently updated with an incorrect mailing which explains why I never received notification via the postal mail of changing billing terms. This is wrong that Ally Financial practices illegal and predatory lending and gets away with destroying customers credit by reporting negative, erroneous, false account payment information. Allys 3rd party automated phone payment vendor system asks the account holder what date he/she would they like to process their pymt, I entered the XXXX, the same day as my call and the automated system accepted my pymt, then provided me the confirmation #. However upon speaking with a live person, XXXX, on the XXXX I was informed my payment was late & will be reported as late to the major reporting credit bureaus. This is concerning & saddening to say the least! It is absurd!!!! Please stop this raping of customers from Allys falsified, erroneous and negative credit & billing reporting actions!!!!!!

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 2021-05-19 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: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I also just received a large amount of money from my phone that I sold so yeah. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: WV

Complaint narrative:
Basically according to the XXXX app ( paid version ) I have FICOs of XXXX XXXX XXXX According to these lending companies my fico is a XXXX Give it to consumers straight. If Im paying XXXX a month for a service dont give me false hope for being able to get a USDA mortgage Also, medical bills that were off my credit are now being reopened and added back as current debt owed. Bill from 2012 for XXXX for example Also credit card agencies are quick to report debt but extremely slow in reporting payments When you do pay off collections it takes months for them to remove but seconds to put it on your credit Credit repair agencies tell you to get credit cards and keep balances low. Even with low balances it drops your credit significantly Also with a mortgage I was told 45 days of shopping around without it affecting credit score. Im getting hit with hard inquiries left and right Please give me guidance

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 2021-05-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was looking over my credit report and noticed some information that looked kind of weird. Please investigate this and remove all incorrect and unverifiable information and send me an updated copy of my report please. Thank you. I'm trying to get a house and I can't do it with this crazy stuff all over my credit report. LOL Thank you for all of your hard work and dedication. I appreciate you so much.

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 2021-05-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX XXXX a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My credit report indicates that a credit card account was opened with Bank of America on XX/XX/XXXX. It was an individual account. Date of the last payment to this account was XX/XX/XXXX. It was closed on XX/XX/XXXX. The credit limit was {$1000.00} and the high credit was {$1000.00}. 
I called Bank of America on XX/XX/XXXX at XXXX XXXX XXXX. I gave them the full account number and informed them that the card was in my credit report, negatively affecting it and I did not open it. They said that the account was not in my name but they could not disclose whose name it was under. 
I disputed the account with XXXX, XXXX and XXXX. XXXX  today told me that they contacted the lender who told them that the information was accurate. 
This is quite frustrating. How can the information be accurate if Bank of America says that the account was not in my name. It is still affecting my credit and I would like to know who fraudulently opened an account in my name so that it can be resolved. 
Thank you very much for your assistance.

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 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
My Robinhood account was hacked as a byproduct of my email being hacked. The hacker was able initiate a {$1000.00} transfer from our checking account which our bank was able to cancel, but I am now unable to login to my Robinhood account. There is no contact phone number for Robinhood and all email responses have been blanket auto-replies. The money in that account has now been compromised and I have no way of getting in touch with Robinhood to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I've called in 3 times to try and get a 2 month deferral due to several reasons. 1 being 3 time XXXX patient. 2. lost my boss to covid so ive lost my extra income. 3. family is struggling with covid. they say i'm maxed out. ive told them i cant make a payment until XX/XX/XXXX when i get my next social security XXXX check and even then it will only be for XXXX and i owe 2 months. I have XXXX and they keep calling even though ive explained i cant do anything until the XXXX. they are causing me XXXX XXXX. i've having a hard time just keeping going and not XXXX  myself these harassing calls arent making it better nor is the fact i know at this point they can repossess the car at any minute.

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 2021-05-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent in letters regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
The transaction was a refinance of an existing mortgage with the current mortgage provider. The refi featured a reduction of the interest rate from 3.25 to 2.75 percent. 

The initial offer was a " no cost '' out of pocket refi. The loan estimate included closing costs in the amount of about {$4000.00}. The estimate was agreed to by me via " docusign ''. 

The next step was the real offer which increased the closing costs to almost {$11000.00}. 

The lender wanted me to agree to 11 months of prepaid property taxes. What struck me as fraudulent was that my payoff ( principal ) increased by the same amount as the alleged " prepays ''. In my opinion, the prepaid amount should have been reflected in the escrow account, not the final payoff amount. 

When confronted, they said it was common practice. I refused to docu-sign these terms. My savings would have been less than {$40.00} a month, while my principle increased by almost {$11000.00}. And that doesn't include the interest owed. 

I have not changed my lender but I feel a true lack of trust after their bogus offer.

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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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