vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I opened an account with Synchrony Car Care Credit on XX/XX/XXXX. I financed four new tires for my vehicle on XX/XX/XXXX and used Synchrony Care Care Credit as my creditor. The total cost of those tires was XXXX. I set a due date for the seventh of the month and was told I had 0 % apr for the first 6 months. I never set due dates for the first of the month because it is the day I receive my Veteran XXXX payment and it is the only funds I receive. I am unable to work. By setting a due date of the first, most of my bills would be late so I set all my payment due dates for a few days after the first or later. Synchrony made a mistake and set my due date for the first of the month causing a slew of late fees to assess on my account, which I was unaware of. I was also told I was being charged interest. I did not realize this was going on until I made my final payment. When I went into my account to change my address, because I am moving, I noticed I still had a balance due. Upon inquiry, I found out that I had been charged exorbitant late fees every month for 5 months. They agreed to wave my last late fee of XXXX for my XX/XX/XXXX payment but refused to wave the others. I told them any interest charged on my account needed be refunded, they refused. I hung up the phone and called back a few minutes later advising if they did not correct the mistake I would close my account and file a dispute and a complaint. Again, they refused a refund. I closed the account. I was charged the following late fees : XX/XX/XXXX - XXXX. XX/XX/XXXX - XXXX. XX/XX/XXXX - XXXX. XX/XX/XXXX - XXXX. I contacted my bank to file a dispute. They said, most likely, the money would not be refunded since it is my word against theirs.

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 2021-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I hold a Verizon XXXX Credit Card. With this card, you earn XXXX Rewards dollars every month. This has worked very well for over one year. Synchrony Bank is the issuer of the card. This month the process is not working. My Synchrony account shows {$120.00} reward dollars. HOWEVER, there is something wrong with the system and I can not access these rewards to apply against the XXXX bill ( s ) that I received. This defeats the entire purposes of having the card. In essence, the Reward Dollars are being held XXXX. I have contacted Synchrony multiple times. No one seems to care at the customer service level. These contacts have been by phone and by chat. The Synchrony contacts have directed me ( " dumped '' me ) over to XXXX. XXXX says they have no responsibility and can not access Synchrony systems. I believe that is an accurate statement. Nevertheless, XXXX XXXX name is prominently displayed on this XXXX program. 

My sense is there is a system error, but the information is not making its way to the proper people at Synchrony Bank. That, however, is NOT an excuse, since I ( and likely others ) are being denied the very thing we bargained for at the outset, when we obtained this rewards card.

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 2021-05-22 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: NJ

Complaint narrative:
It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

1. Please Remove inquiry From My Report. 
XXXX XXXX Date of inquiry : XX/XX/2021 2.Please Remove inquiry From My Report. 
XXXX XXXX XXXX. 
Date of inquiry : XX/XX/2021 3. Please Remove inquiry From My Report. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 4. Please Remove inquiry From My Report. 
XXXX Date of inquiry : XX/XX/2021 5. Please Remove inquiry from my Report. 
XXXX Date of inquiry : XX/XX/2021

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 2021-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

1. Please Remove inquiry From My Report. 
XXXX XXXX Date of inquiry : XX/XX/2021 2.Please Remove inquiry From My Report. 
XXXX XXXX XXXX. 
Date of inquiry : XX/XX/2021 3. Please Remove inquiry From My Report. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 4. Please Remove inquiry From My Report. 
XXXX Date of inquiry : XX/XX/2021 5. Please Remove inquiry from my Report. 
XXXX Date of inquiry : XX/XX/2021

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 2021-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In XX/XX/2019, I reported to Ally Financial that one account had been fraudulently opened in my name on XX/XX/2019. Ally financial instructed me to complete an affidavit, file a police report, and inform all major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by Ally Financial that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from Ally Financial that I owe them. Ally Financial is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/2021 I knew someone had stolen my identity so I called Equifax and when I did it said that my social security number had been reported and then it said like I had stolen a childs identity. I have XXXX boys, excuse men for my children. One is XXXX other one is XXXX. I put a freeze on myself but someone has stolen my identity and I am assuming it has something to do with a child.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
I received a letter requesting payment of {$150.00} for " defaulted contract '' for XXXX XXXX XXXX on XX/XX/21. I had a gym membership previously with XXXX XXXX for many years and the contract was fulfilled after obligation and then I went on a " month-to-month '' status. XXXX XXXX XXXX purchased XXXX XXXX but my contract had been fulfilled years prior to this change of ownership. I do not owe any money for a " defaulted contract. '' I have written a letter back on XX/XX/21 addressing this and have yet to be notified by Aldous & Associates who sent me the notice. I do not owe this amount, or any amount to XXXX or XXXX XXXX and want this matter closed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing with Experian since XX/XX/2020 regarding the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached all my previous letters showing my attempts to rectify these unauthorized inquiries. I have exercised my rights as a consumer for proof of verification, but Experian has continued to ignore these requests.

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 2021-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone opened an account under my name under SunTrust and XXXX. I got a letter in the mail with a debit card. I contacted SunTrust immediately and told them that I did not open this 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 explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for and received a Bank of America XXXX XXXX card in XX/XX/2021 with a promotional offer of XXXX bonus miles if you spend {$1000.00} in the first 90 days. I spent and paid a total of {$1000.00} by the second month. When I called Bank of America this month they said I did not meet the required {$1000.00} because {$59.00} was a membership fee so I was short {$57.00} of the {$1000.00} and no points. In my view they need to be more open about the fees. Security fees, excise taxes, sales taxes all count. Please see letter attached from them, it states I did not I spend the {$1000.00} of which I have proof. No mention about the {$59.00} not counting. I do not know how many other consumers have been mislead by the promotional offer not stating OPENLY that the membership fee does not count towards the {$1000.00} total. I may have been mislead by this offer, but would hope that they state this in large print SO others do not make the same error in the 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 non-monetary relief
Consumer complaint received 2021-05-22 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Good morning, By XX/XX/2021, my computer was infect and compromised with a malware hack program. It create a local user XXXX. With that user, the person that commit the fraud was able to get access remotely to my computer and my accounts logins credentials. He did several transactions on different platform including my Navy Federal Checking Account.

Navy Federal : They login into my Navy Federal account, open the XXXX application using my Navy Federal checking account and send over a {$650.00} payment to someone I do not know. Nobody from my family or I did not made or approve this transaction. Navy Federal give me a partial refund but it was reject on the investigation process and charged back. I require a dispute action but Navy Federal also reject credit back the fraudulent charge. They said that the system show that it was made from my computer. 

I explain everything to Navy Federal including screenshots of the others account that were compromise and solved from others creditors. Also Navy Federal know that my account was compromised because they change my checking, saving and credit cards twice on that week. What Navy Federal say is the same information I provide as the fraudulent method used. I did not made or authorize the money transfer. It this not supposed to be covered by the FDIC insurance? 

Others compromised accounts and actions was : 1. XXXX : They did three trade-inn items, XXXX provide a gift card balance and they use that balance to buy XXXX codes. They quickly exchange the XXXX codes. XXXX flags those transactions and have I dispute thru my credit card company. When the credit card company review the case with XXXX, they acknowledge that was a fraudulent transaction and revert the charge from my credit card. 

2. XXXX : They login into my XXXX bank account and made a transfer to XXXX stock application for {$900.00}. I was able to get it canceled by XXXX and refunded the money. 

3. XXXX : They login on my XXXX account, buy games and extras codes. I contact XXXX support and they refund the money to my credit card that was on file. They see there was 6 fraudulent charge transaction. I did not buy from XXXX online store and the items that was buy did not show up as being use or on my XXXX device/account. 

4. XXXX : They did a XXXX loan. I see it on my credit report. I have contact XXXX and started an investigation that still in progress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: NY

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery called my phone 18 times between XXXX XXXX and XXXX XXXX on XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX paid off why is it still showing take it off XX/XX/XXXX - XX/XX/XXXX CNAC is closed take off XX/XX/XXXX closed XX/XX/XXXX To Many Inquires showing They need to be taking Off As Well any Bad Charge-off showing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
My complaint is against LVNV funding. I sent a registered letter on XX/XX/XXXX requesting verification of the debt, because they had filed, and then withdrew a small claims case against me in XXXX County in XXXX of XXXX. I have been given no response. As well, I have disputed their credit reporting on my record for the " date opened ''. They have re-aged the account as opened XX/XX/XXXX, which is completely false. Their continued reporting of this account as being opened and then not paid, shows as a " recent delinquency '', and therefore is causing me great hardship with any financial turns I take. I have been denied credit multiple times due to their false dating of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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 close my account for no reason and I believe this a a mistake so heres what happen. 
I just gave my customer a refund as the payment did not go through as the money wasn't showing up on my PayPal account.. so i contacted my customer saying that you know the transfer didn't go through so please cancel the payment and send me another one.. and then after I received a email from PayPal saying that my account has been permanently limited and i am a XXXX XXXX XXXX that is selling toys. My paypal email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I made a purchase on XXXX on XX/XX/2020 for a project that was funded called XXXX XXXX  made by XXXX. The transaction was {$180.00} and after a short period of time, I got an email from them that I can choose add-ons to the masks I paid for that I paid on XX/XX/2020 for {$71.00} for it. 
I have contacted XXXX regarding refunds and they denied that they ever promised a deliver on XX/XX/2020 and they told me they will be shipped on XXXX of XXXX. Ever since then I have been contacting Apple Card support with Goldman Sachs and they been putting my dispute through and every time it getting resolved against me stating you made the purchase. 
I told them many times that I did made the purchase but the seller never delivered and they denied me refund and they still after almost 8 months of delay have not send the items to me. 
If you would look at XXXX page of XXXX XXXX, you will see hundreds of comments of angry people like myself that paid hundreds and in some cases thousands of Dollars and non of them received their items. And that is because this company is committing a fraud and protecting themselves behind XXXX policy. XXXX legally is the company who collects the money and credit card companies go after them and not the scammers who XXXX pays the money to. 
This issue have taken 7-8 months of my time and at this point, there is zero chance of me letting it go and Apple Card Goldman Sachs finally sent me 2 letters with copies of privacy policy and terms and condition of XXXX as a reason of no refund. 
I have never had this issue with any other credit card company and I am deeply disappointed and dissatisfied of their service and I had to submit my complaint to you so perhaps you can help me get my rightful refund. 
Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/2015, I reported to Regional acceptance Co that one accounts had been fraudulently opened in my name on XX/XX/2015. Regional acceptance instructed me to complete an affidavit, file a police report, and inform a major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by Regional acceptance Co that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from Regional acceptance co that I owe them. Regional acceptance co is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2021-05-22 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: NV

Complaint narrative:
I want to request a credit report due to I have information on my credit report that is fraud. 
I have not received a free credit report that I requested from the credit bureau that I have written for with no return as of date and its been over 2 months.

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 2021-05-22 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: DC

Complaint narrative:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown items on my credit report. Embarking on 60 days later I have not received one word about my inquiries about my credit. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 60 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the Equifax data breach as well as a my information being taken as shown in the police report attached and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation