vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: MA

Complaint narrative:
On XX/XX/21 I contacted Cardmember Services to close my secured credit card account. I was told I would have a check. in 7-10 days. On XX/XX/21 I received a letter from them stating they will not close the account until XX/XX/21. I contacted them today and said it is policy to wait 30-60 days until they process the request. So now I have an account I can not use and {$310.00} tied up for these 30-60 days. It seems unjust that they take money immediately and assess fees and fines immediately but sit on refunds and return of funds for this length of time. 

The card was issued through XXXX XXXX  but they disavow any association with the card who is handled by Cardmember Service out of XXXX, ND. They direct all correspondence to Elan Credit Department, XXXXXXXX XXXX XXXXXXXX, XXXX, ND - XXXX with a phone number 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 monetary relief
Consumer complaint received 2021-10-13 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: CA

Complaint narrative:
I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In my last statement from JCPenney dated XX/XX/2021, I notice a late fee of $ XXXX.I called the company customer service department and spoke with one of their agents. I explained that my due date was the XXXX of the month and I had paid the bill on the first of the month through my Bank. I was told that the payment had been received on the XXXX of the month and had been applied to the previous month of XXXX. I had paid the XXXX bill the first of the month so it was not due, in any case, the agent told me that since the payment had come in after the XXXX I was being charged the {$38.00} for the previous month and my next payment was due on the XXXX of XXXX. He then decided that he would wave the & XXXX late fees after he could not explain to me how my paying within the time before my closing date but after my due date when a payment was paid before my due date was already on the book. I asked that all my fees that had been charged to my account be applied to my balance and was told they only return fees once a year as a courtesy to customers. I told him that I would be reporting them to the XXXX  and the Federal Government because this could not be legal. I told him I had never been penalized for paying an account early. I also asked about interest charges that are continually being charged on an account that I closed better than a year ago. Was not given an answer.

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 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I spoke with an employee with XXXX XXXX XXXX. about account # XXXX for the amount of {$3300.00}. I informed them that the debt did not belong too me and that I was a victim of Identity theft and this account is fraudulent. I asked the employee for verification of all original documents with my signature to be sent too me by mail and email and I never received the documents from them by mail nor email. They refused to delete the debt unless the amount of {$3300.00} was paid plus an additional {$1000.00}. The address tied to this account is located in a complete different city and state then the actual apartments that is listed with this debt. The landlord I did business with at the time the debt took place may be contacted to provide any information that's needed.

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 2021-10-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian refuses to remove a " Bankruptcy '' from my report. They claim to have verified with the clerk of courts as per my last conversation. I have provide multiple times a letter from the Clerk of Courts which states that they DO NOT report to credit reporting companies/third parties or provide any information. This document has been given to them and they continue to ignore it. I have asked on multiple occasions to speak to a supervisor with no success. They also claim to have verified with XXXX XXXX. XXXX XXXX is a third party, is not the owner of the Clerk of Courts so therefore should not be reporting anything. Also, I have been in contact with XXXX XXXX and they have told me I do not have a bankruptcy listed with them.

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 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
To whom this may concern I have contacted XXXX XXXX XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. 

I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards Today XX/XX/XXXX I spoke again to a different representative to try to get this resolved.

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 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
To whom this may concern I have contacted XXXX XXXX XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. 

I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards Today XX/XX/XXXX I spoke again to a different representative to try to get this resolved.

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 2021-10-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Lima One Capital, LLC
State: OH

Complaint narrative:
In XX/XX/XXXX my business closed on a mortgage loan with lender Lima One Capital ( https : //limaone.com ) for 2 investment properties. It's unfathomable for a lending institution, but since Day 1 our online " Customer Portal '' has never shown our monthly statements. As a result we have never known how our payments are being broken down or if they are even being applied correctly toward principal, interest, and escrow. There has always been a link that says " Bill History '' but no bills. 

Only recently the Bill History began showing 3 documents, currently dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but each of those links to the statement dated XX/XX/XXXX. ( Also I am writing this on XX/XX/XXXX, so how could there even be a document dated XX/XX/XXXX? ) I have many accounts with many different institutions, banks, credit cards, utilities, etc and never have I been unable to view any monthly statements online. It should be something any customer has access to. 

I contacted the company numerous times in the past asking when this would be fixed but was never given an answer. I was actually told by someone from Lima One that if I wanted a statement I had to contact them every time, which is ludicrous. We should be receiving our monthly statements automatically, without having to ask. I then requested that someone from Lima One create a manual task to email us our statement every month, since this is their mistake, but of course this has not happened. 

I do not know if this is a companywide issue with Lima One, or simply with our account, but it's frankly unbelievable. We simply want to be able to view our monthly statements. We want this fixed. We also want PDFs of ALL of our past monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XXXX is predatory - seemingly purchased several of my old debts and also my twin sister 's debts and are demanding that I pay her accounts as well ( accusing us of being the same person ). The lawsuit as well as collection efforts show too many discrepancies. XXXX XXXX as seemingly filed an unlawful suit against me. Company is suing me for an old XXXX account . However, the documents they've submitted for evidence show a different account for " Santander '' a car company that has been sued in a class action suit. Santander sold my account and still tried to collect on the debt that I did not owe as well as XXXX. They both continued to collect after the settlement awarded and demanded they stop. A letter was sent on my behalf to XXXX on XX/XX/2021 and XX/XX/2021 and XXXX retaliated by filing a suit on XX/XX/2021. The plaintiff, XXXX has been stalking my credit profiles, purchasing multiple debts over six years old ( time-barred ) and collecting on those debts. They've sent me emails stating that they have reached the age to sue me on other accounts but stated that I still needed to pay them- collecting on time-barred accounts and also asking that I pay debts that do not belong to me and have also inaccurately reported. They are re-aging my accounts. The original owner did not zero out my balance field nor inform the purchaser XXXX of the date he account first became delinquent. ( I no longer owe the Santander debt because the settlement required that the debt be forgiven due to unfair practices such as violating consumer laws and predatory loan charges. Attempts to collect debt not owed and there were no written notification about debt ( didn't receive, therefor, I didn't know I could dispute debt ). Their practices are harassing, abusive, unfair and they have multiple inaccuracies and discrepancies on my reports, accounts and emails, producing bills that I've never seen and do not owe. I have requested that they stop and they sued me in retaliation. The exhibits ( Exhibit A lists XXXX but they only show proof of the Santander account for Exhibit A ) Schedule I in the court document states the account is " XXXX '' But, Exhibit B is about " Santander Consumer USA ''. There is inadequate documentation inflecting a bill that does not mirror the amount owed by the original creditor. Please find attached Santander Lawsuit, emails requesting for the creditors to stop contacting me and to also stop collecting on the date ( sent my me as well as by XXXX XXXX XXXX on my behalf ) current harassing emails collecting on a time-barred account and lawsuit filed by the plaintiff about these accounts that I do not owe. Letters were sent out, ( Santander account, time-barred and proven that I do not owe via settlement ) before the lawsuit for these accounts were filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services
State: GA

Complaint narrative:
On the XX/XX/XXXX, I was approved to finance {$9000.00} with Lendmark Financial through dealer XXXX XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX. The original total for the Trailer {$13000.00} ( including taxes ), in which a payment of {$4900.00} was applied. This brings the total to {$9000.00} financed with Lendmark with APR of 20.999 * ( 21 % ). I reached out to Lendmark Branch manager XX/XX/XXXX to request a payoff amount, after making 2 months payments of {$240.00}, totaling {$480.00} and I was advised {$9100.00}. I inquired on the calculation used to determine this amount and I have received a calculation nor a response. General APR of 21 % calculation, with a loan amount of {$9000.00} equals {$230.00} for a term of 2 months. My issue has been escalated XX/XX/XXXX to the District Manager, who advised " I will return your call today. '' I have not received a callback as of today XX/XX/XXXX a week later. I have made multiple contacts to reach the District Manager for clarification. I am concerned about why {$9000.00} with an 21 % APR with a 2 month term is {$590.00}. Please assist and provide an explanation. Please note per general APR calculation of 21 % on a {$9000.00} loan amount and term of 2 months total {$230.00} interest. I am disputing a difference of {$350.00}, Please clarify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a XXXX XXXX Credit card with an account ending in XXXX It went delinquent in XX/XX/XXXX then they charged it off at the end of that year and filed a court case against me in XX/XX/XXXX, which eventually turned into a judgement. I have paid the judgement in full according tot he amount they requested, they cleared off the amount but still are showing an owing balance of {$650.00}. Please see the court information and the judgement completion documentation from XXXX XXXX. They need to REMOVE THE BALANCE OWING ASAP, I am trying to purchase a home which I can not with that balance owing. Furthermore, it is unethical for them to both claim I owe on my credit report and dually file a judgement against me. They should have zeroed out the credit report when they were granted the judgement for the owing balance. This has been affecting my credit in 2 different ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: KY

Complaint narrative:
Amerifinancial Solutions has a claim from an XXXX physician at XXXX dated on XXXX for the amount of XXXX I initially set up a payment plan when I got this notice but when I spoke with a representative from XXXX they reported there was XXXX balance for the XXXX visit and the XXXX phsician visit. I stopped paying the {$50.00} monthly. I have disputed this claim 3 times to get information, thinking it was fraudulent or it was with another medical facility. 

I spoke again with Amerifinancial Soultions and they reported the claim was with XXXX XXXX physician. The date of service was on XXXX. I reached out to my insurance which is XXXX XXXX and XXXX. I spoke with XXXX on XXXX from XXXX  at the following numberXXXX. XXXX reported that the XXXX doctor visit at XXXX was processed for XXXX and paid. My remaining balance was {$23.00}. 

I have reached out to the XXXX Physicians that was contracted with XXXX at this time multiple time and have not received a call back to get possible assistance with this matter. 

XXXX XXXX XXXX was the contracting XXXX physican agency with XXXX at this time. I did receive service from this XXXX physician. My insurance can provide the information that the claim was paid. I have contacted XXXX at this company XXXX to be transferred and XXXX XXXX by leaving multiple messages. 

I am reporting this to get this removed from my credit report because it is unfairly being reported as a negative report when the claim has been paid and my insurance can prove they paid it. XXXX  has the information to prove it. I give permission for someone to call to do a 3-way call with my insurance to validate this information from XXXX. 

I need assistance with someone to reach out to Amerifinancial solutions to solve this claim. As you know these credit agencies are in the business to claim a debit not to solve a problem. I have not been successful in getting information in the past. 

I have spoke with XXXX at XXXX regarding this matter at XXXX and she said she would be glad to help in anyway she could. 

Please reach out to me to get this problem solved. I need your assistance. I need this removed from my credit report as I am trying to borrow money for my son 's college needs. 

Thank-you for your time and assistance. Please feel free to call me anytime at XXXX. You may even call my work at XXXX XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
wells fargo bank offered a rewards credit card but they will not let you redeem your earned rewards unless they are in {$25.00} increments. There is no way a customer can figure out how to earn exactly {$25.00} in order to redeem everything they earned. I asked wells fargo to redeem my {$7.00} but they refused. I ask them if I close my card would they send me my {$7.00} and they told me if I close the card I forfeit my earned rewards. So wells fargo is actually stealing the money a customer earns because it is not in their required {$25.00} increment. XXXX XXXX XXXX, XXXX, XXXX do not do that ... no matter what you earn you can redeem it. This is just another example of wells fargo cheating their customers by keeping their earned nickels and dimes.

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 2021-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
On my credit report it states that my last payment for the vehicle was XX/XX/XXXX... yet it states the date of loan was closed on XX/XX/XXXX ... .its with Santander . I didn't have a job nor money to make a payment in XXXX. I believe this could be an attempt to hold the loan longer than necessary. I would like to request a look into there practice and confirmation from them verify when exact last payment was made. This is hurting my credit longer than the 7 year period. As I have been making attempts to fix my credit as my situation has improved, and. While paying off the account would not help, this account should fall off sooner than they are reporting. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I HAVE BEEN COMMUNICATING WITH THIS COMPANY SINCE XXXX OF XXXX VIA MAIL. I HAVE SUBMITTED SEVERAL REQUESTS TO THEM AND THEY HAVE FAILED TO UPDATE ME EACH TIME. PLEASE SEE ENCLOSED DOCUMENTATION THAT I HAVE MAILED OVER THE MONTHS. I FEEL MY CONSUMER RIGHTS HAVE BEEN VIOLATED REPEATEDLY AND I NEED THIS RESOLVED IMMEDIATELY. THANK YOU.

Company response to consumer: Closed with explanation