vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Ever since I opened my Macys credit card account its been extremely difficult accessing the payment website. Each time I attempted to pay my Macys card through their website, I would click make a payment then asked to add my Macys card. I would add my credit card then go back to make a payment and continue on this loop and never actually able to make a payment for several days. It usually would take me 2 weeks to successfully submit my payment. A couple of times I called, ( pre-covid ) to make a payment, I was told I would be charged a fee to make a payment over the phone so to avoid that I would again go through the process of attempting to submit my payment online. Sometimes I would have to go into the store to make a payment. Once the pandemic shut everything down I wasnt able to go into the store to make my last payment of approximately {$41.00}. I tried making a payment online and kept getting stuck in the never ending loop. I called Macys in XXXX of 2020 and received a record message that due to covid there was no one available to take my call followed by message number then a random string of numbers and an extremely loud ear piercing beep. I dont believe Ive ever been late in making my Macys credit card payments and Ive mostly been able to pay every balance due, in full. Unfortunately now that small amount due has ballooned into over {$300.00}. Theyve reported it to the credit reporting agencies & it has negatively impacted my credit. I believe Macys XXXX purposely made it difficult for customers to make a payment online which then caused me to owe more than I spent.

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 2021-03-18 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XXXX, 2021 two fraudulent transactions were processed on my BOA account. On XX/XX/2021 I called Bank of America to report the fraudulent transactions. The fraudulent transactions are in the form of a " requested refund '' - which I did not request nor authorize. When I called on XX/XX/2021, I was informed that a " claim '' would be filed & the issue would be resolved in 5-7 business days. I did not see any resolution or status update. I called BOA again on XX/XX/2021 ; XX/XX/2021 ; and again on XX/XX/2021 - each time being told a " claim '' was being filed & it would now take another 10 business days. I have never received a follow up from BOA or any kind of a claim number. The amount I am disputing totals {$5500.00}. I've also recently noticed a charge for " interest charged on purchases ''. I have NEVER seen this type of charge on any of my billing statement. I am curious if this new " interest '' charge is retaliation for my complaints. The disputed amount is an enormous amount of money for me & my family. I have been a BOA customer for 17 years, never missed a payment, have never had a dispute before, and have excellent credit. Feeling helpless regarding personal finances is unacceptable. Bank of America has been negligent regarding suspicious activity on my account, and in their flippant resolution practices.

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 2021-03-18 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: CA

Complaint narrative:
I hope you can help me with the issues am having with the credit bureaus. I have sent in dispute of things are over 7 years and they still havent remove them or sent me anything on them. Why is that? 
isnt it 30 days to reply to a dispute? well it been over 30 and I still have nothing and nothing is done either.Please help me with this matter I would deeply appreciated it.

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 2021-03-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope you can help me with the issues am having with the credit bureaus. I have sent in dispute of things are over 7 years and they still havent remove them or sent me anything on them. Why is that? 
isnt it 30 days to reply to a dispute? well it been over 30 and I still have nothing and nothing is done either.Please help me with this matter I would deeply appreciated it.

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 2021-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Paramount GR Holdings, LLC
State: AL

Complaint narrative:
XX/XX/XXXX hurricane Hermine flooded my home at XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX. I contacted the insurance company. filed a claim, cleaned the area of damage and debris. tore out all damaged items. I was then told to start repairs by contacting a contractor, pay for approximately 50 % of repairs and then they will send out a claims person to confirm. they will then cut a check and I will pay for the rest of the repairs until completed. when completed they will then send out another person to confirm the repairs are complete. funds will then be transferred. We completed two home repairs after two other hurricanes prior to this. this is not how we did it. I do not have $ XXXX to hire a contractor to complete the work then get reimbursed. We at that time stopped payments on the mortgage. I have not made a payment since XX/XX/XXXX. My house is still not in foreclosure and I have filled out all financial paperwork per Paramount ( now Loanpal ) request. I have attempted a short-sale ( later told this was to see how far I would go to fix this without the mortgage company doing anything. I was in the military until XX/XX/XXXX. I retired, I have waived my SCRA rights in writing ( in 12 font per USC 50, sec. 517 ) to the company back in XXXX ( no proof ) and again in XXXX ( I have proof in writing, email and fax ). Per LoanPal XXXX operating instructions given LOANPAL XXXX permission to foreclose verbally and in writing multiple times with a " wet ink signature ''. I have not made a payment in 1600 days ( 52 months / 4.5 years! ) now and still not in foreclosure. When this is competed at this time, my credit will be damaged for over 12 years! I have requested foreclosure for over 1200 days but still being told that I need to wait the 30 for pre-foreclosure to start?? Loanpal XXXX Loan number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I attached my social security number, drivers license and FTC report below.

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 2021-03-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I attached my social security number, drivers license and FTC report below.

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 2021-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: NM

Complaint narrative:
My husband and I have been trying to refinance our mortgage with CALIBER HOME LOANS for over 6 months. We have had to call them several times a month to get any feedback on the loan, and we are still waiting to close this loan. At this point we don't have a close date and the paperwork we filled out at the beginning of this loan request has been refilled and our credit reports re-ran ( due to no fault of ours ). 
I am beyond frustrated as we had to pay for the home inspection and we continue to receive the run around from this company. 
I did ask in XXXX if I would have to pay another inspection fee if I pulled this loan and found another lender. I was told the paper work with with the final person before being handed over for closing. I understand COVID has affected the process but speaking with a few people connected to this loan ( outside of XXXX  has said this is way out of the norm and with my credit rating their is no reason why this loan has not been closed. 
I hope I am wrong, but the lower interest rate may be what is causing my problems. Is it wrong of me to think they have now received 6 months ( almost 7 ) months at the higher rate instead of the XXXX VA rate? I would sincerely appreciate any help you can provide as I have purchased many homes and refinanced many home loans and have never experienced anything like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: VT

Complaint narrative:
In XX/XX/XXXX, I returned a XXXX XXXX XXXX to XX/XX/XXXX XX/XX/XXXX dealership in XX/XX/XXXX, Vermont. The car was looked over by the sales agent and we were told he did not see any damage or excess wear that he could identify but that an adjuster would look at the car the next day. 

Approximately six weeks later, we received a bill from Ally Financial for {$3800.00} which included excess mileage and some damage. We were also billed for a promotional tire cover that was given to us after the car was leased by the dealer as a gift. It was clearly a promotional item for the dealership since it had their name in large print on the cover. The bill from Ally included a charge of approximately {$600.00} for damage to this item and some additional items that we immediately disputed with Ally. Ally told us that that they could not adjust the bill and I refused to pay until I spoke to someone that would review the issue. Every month for 3 months an agent would call trying to collect the full payment and I would discuss with them the issues and asked to have the case reviewed. 

Finally, in XX/XX/XXXX, an agent called me and told me they would settle the amount if I would pay the remaining balance {$3200.00} which I immediately did. 

On XX/XX/XXXX, I received a letter ( attached ) stating the account was settled and I did not owe anything further. 

I recently became aware that this issue has two negative effects on our credit reports : First for a " settlement for less than the amount due '' and second for a late payment. 

This is incorrect since the amount due should have been the amount I paid. I should never have been charged for the gifted promotional wheel cover and the only reason the payment was late was that Ally never tried to discuss the issue with me - they only demanded full payment until XXXX. 

Please be aware that we have previously leased numerous cars with XXXX XXXX ( this was the last ) and XXXX XXXX in XXXX XXXX and have used Ally, XXXX XXXX, XXXX XXXX, etc. and have never had any issue like this before. 

Please review this issue. 
Thank you for your consideration, XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I sent a verification of debt letter to this collection agency and never received a response for the requested docume nts such as and limited to : 1 ) Agreements authorizing Resurgent to collect this debt with the creditor. 2 ) Agreements with my signature assuming said debt 3 ) Valid copies of the debt 4 ) Proof status of limitation has not expired 5 ) Complete payment history along with other charges applied 6 ) show licensing to collect d ebt in my state 7 ) license number and registered agent I have been waiting for over a month and no answer as of yet, I also claim this debt is not mine after legal action. to which I am bound not to discuss and the claimed debit is grossly inaccurate. I was never informed of this debt prior to reporting it or that it would be reported. This claim of debt needs to be addressed prior to futher legal action is taken

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I bought a water softener from Home Depot on my Home Depot credit card on XX/XX/21 ( see attached receipt ). I returned it a few days later. Home Depot reported to the credit bureaus that I was 30, 60 and 90 days delinquent on a balance of {$3.00}. I realized they had reported this when I went to buy a home, and my lender told me my credit score was around XXXX. It is always above XXXX. I did not owe them the {$3.00}. After speaking with them, they told me that I bought a rug for {$3.00} with the water softener and did not return the rug. I did not buy a rug, therefore could not return a rug. I have spoken with their credit department numerous times, and they refuse to report their error to the credit agencies. They have told me that I need to submit proof I returned the rug, which is impossible, because I never bought a rug. They did inform me that they wrote off the {$3.00} and closed my account. This has tanked my credit and ruined my opportunity currently to buy a house. I am beyond frustrated and want this taken off my credit history immediately. 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 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
i was to recieve my stimulus payment to my account via IRS, and was told that my money can not be deposited in my account because i am married and have XXXX dependants. this is how the IRS sent the ACH in. it has been mishandled and is now the banks problem to fix this issue on a timely manner. i had no issues in XXXX when a married couples stimulus payment of XXXXx2 was deposited. i would like this matter fixed in a timely manner and at no time was BBVA BANK encouraged to fix the problem in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2021 I received an alert that XXXX XXXX placed an account on my credit report. Original creditor XXXX XXXX XXXX. I have no account or balance with the orginal creditor. Nor have I heard from XXXX XXXX. I havent received a demand letter or anything. This is not my account. Its either a mistake or these charges are fraudulent. I want this removed from my credit report immediately. Ive tried to dispute online with Experian today, but I keep getting an error message. This is such an inconvenience. Also I tried calling Experian and it doesnt give an option to speak with a live representative. I should be able to dispute something on my credit report without going through a 3rd party.

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 2021-03-18 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I do not have a contract with this company, and these XXXX are trying to make me pay money I don't owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I need help! I had to take out a small loan from PFC in XXXX  XXXX IL a couple of years ago for a few XXXX. They then called me to renew and offer me more money a couple of times than I had an emergency and had to get a payday loan for medical expense and at the same time Mariner Finance bought out PFC XXXX XXXX XXXX  XXXX IL XXXX XXXX. So they refinanced the loan again and added a couple XXXX to the balance which brought it up to around {$6800.00}. I had borrowed from PFC in XXXX IL and never had problems in the past interest was around 30 % but Mariner is charging me a 36 % interest rate daily and I think it is more like 100 % like a payday lender as they did not explain all and my balance is not going down after months of paying {$260.00} mo. My balance on my credit report is going up instead of down. I called today and asked and they said they set the loan up for 49 mo at {$260.00} mo 36 % daily interest, principal {$11000.00} and if I paid off XX/XX/XXXX it would be {$7100.00}!!! I need help getting out of this XXXX XXXX also doing the same charging me the same rate on a $ XXXX loan, the mgrs know each other. My credit is perfect other than the loan from the last recession that fell behind I wrote you about that is still illegally being reported on my reports the IL AG is looking at, but credit score is now XXXX and no one will refi loans at a lower rate because I dont have a lot of credit cards and that one loan still showing after 7 yrs so they are intentionally keeping my score low as I reported all to regulators so they can make me pay subprime rates to get back at me!! Help me please with this!! I am twice widowed, no help, live on one income, and work at XXXX XXXX XXXX XXXX XXXX!! This loan is suppose to be a fix rate loan and it is instead like a payday loan they are gouging me with interest!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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:
I have filed multiple disputes with Equifax concerning an unauthorized hard inquiry ( Comenity bank/XXXX XXXX Acct # XXXX ) and an unauthorized collection account ( XXXX XXXX Acct # XXXX ) {$1100.00} on my credit report. On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from Equifax that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, XXXX XXXX sent me a letter and also sent a letter to Equifax saying " After review of the XXXX XXXX Reward claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to Equifax to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does Equifax continue to say the hard inquiry is verified? That's a lie! Additionally, since Equifax would not remove the collection account off my credit report, I filed a XXXX complaint on XX/XX/XXXX on Concentric Receivables for having an unauthorized account on my Equifax credit report and on XX/XX/XXXX XXXX XXXX responded to the XXXX complaint stating, " We have no record of any disputes or communications with such complaint. However, today we submitted a deletion request to the credit bureau. '' This is evidence that the collection account needs to be deleted immediately. If the creditor has no record of three rounds of disputes, this lets me know that Equifax is not sending my dispute letters to each creditor and just annotating " verified '' on the investigation results when it wasn't verified. This is really starting to irritate me. I am also a victim of the Equifax data breach. This hard inquiry and collection need to be removed from my Equifax credit report today!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
CB XXXX is in violation of Title 15 1681 Section 2 8E ( 3 ) for failure to respond to my dispute of Alleged Charged Off Account XXXX which accused them of furnishing inaccurate data on my credit report. They are also in violation of Title 15 1681-S2-1 ( B ) for reporting information after notice and confirmation of errors My dispute was received by their company on XX/XX/2021. 
I am yet to receive a response from them, yet this alleged charged off item is still on my credit report I demand you to delete it immediately from all credit reporting agencies

Company response to consumer: Closed with explanation