vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander Consumer USA is in litigations with my State of New York. As of today i have not received any guidance on how this lawsuit will be helping get through this unaffordable loan. I have been with them since XX/XX/2018 and after all the payments i have made not even {$5000.00} has hit my principal account. I struggle to pay my loan but i do so i do not have to continue paying so much interest and hurt my credit. I did reach out to the executive office and received a call that i am not entitled to any relief. Yet my name comes up in the suit through XXXX XXXX. They spoke down to me and treated me like i was the one doing something wrong. Santander basically washed their hands in regards to this lawsuit and refuse to provide me any information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
The current company representative says that I was mailed an escrow statement giving me the option to pay the difference or have my payment raised in XX/XX/2021. I only found out about the escrow analysis when I called about the amount due showing on my current bill that is due XXXX, which I received XXXX. I called the company ( 4 ) four times on XXXX. I was finally emailed a copy of the escrow analysis XXXX, I was not given the option to pay the escrow shortage and keep my monthly payment the same. Since I was not given the option, I have no idea what my monthly payment would be, if I had been given the option. I spoke with XXXX, XXXX, XXXX XXXX, and unnamed female that informed that I could not receive and updated bill for XXXX. I was not given the option to pay the escrow shortage and not have my payment altered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. I also sent a second letter on XX/XX/2020. It has been 64 days, I've prepared yet another letter and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the ongoing XXXX you've caused me. As a courtesy I have listed the inaccurate accounts in question below : 1. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX 3. XXXX  XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX 7. XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX Please remove these items from my credit report. They are displaying false and misleading information about me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased 8 tickets to XXXX XXXX XXXX XXXX and a parking pass for my XXXX XXXX troop through XXXX of XXXX XXXX XXXX XXXX XXXX program. I paid {$430.00} for the tickets and pass with my XXXX Rewards Club credit card issued through Chase. Since the amusement park ended up being closed for the time the tickets were valid, through XXXX XXXX, XXXX, I was told by XXXX that I would receive a refund in full of {$430.00}. XXXX said on XXXX XXXX, XXXX, that it had issued the refund to the credit card I had used to pay. Only I had closed my credit card in XX/XX/XXXX. When I contacted Chase, they said they " were unable to locate the merchant credit '' and that my credit card account, closed just six months earlier, had been purged. They told me that if XXXX had sent a refund, it would have been returned to them within 30 days. XXXX insists it issued the refund to Chase, but Chase says it has no record of it. The merchant keeps telling me to contact Chase, Chase keeps telling me to contact the merchant. It has been an endlessly frustrating loop and the ones who have suffered most are children, XXXX XXXX who never got the amusement park trip.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. I also sent a second letter on XX/XX/2020. It has been 67 days, I've prepared yet another letter and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the ongoing stress you've caused me. As a courtesy I have listed the inaccurate accounts in question below : 1. XXXX XXXX CREDIT CARD Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : # # # # # # XXXX Please remove these items from my credit report. They are displaying false and misleading information about me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STERLING JEWELERS, INC.
State: CT

Complaint narrative:
My XXXX credit card I have with Kay Jewelers was closed in XX/XX/2020. I was not notified until I tried to make a purchase with the card in XX/XX/2020. I was hit with hard times because of COVID very badly. I did not receive a bill from XXXX  from XXXX-XX/XX/2020. I tried to make purchase in XXXX and was in the store and they notified me that the account was closed as I went to pay. My credit score was impacted badly by this account being closed and dropped a severe amount. I am now trying to start the process to purchase a house and being told my credit score is too low. With out the closing of this account on my credit report, I am confident that my credit score would be in much better standing. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: EQUIFAX, INC.
State: MA

Complaint narrative:
****SEE ATTACHMENTS THAT SHOWS THAT IT WAS GOING TO BE DELETED REMOVED FROM MY CREDIT REPORT**** Dear Equifax / Executive Office ; I was really shocked last week when I refreshed my credit report and noticed that the collection account from XXXX XXXX is still on my Credit Report which is hindering my score so much and stopping me to achieve my financial goals You are the ONLY one thats reporting this negative account on my credit, despite the fact that the results of investigation through Cfpb stated that they will cease and remove this account. Well, the other credit reporting agency complied and deleted from my credit immediately, however you havent removed it. I talked to a representative at your office last week, and they mentioned that I can FAX over the letter and results from Cfpb and they will remove it. 

Plus, how can you report incomplete, misleading information on my credit report. Its impossible that a collection account can be late and past due. Look at the picture below late 120 days, past due for {$800.00}, etc. This is a violation of my consumer rights under the provisions of FCRA, and Im demanding an immediate deletion from my credit report. DELETE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Checking my report today and I noticed some inquiries on my report that Im not aware of as you know reporting anything inaccurate on my report is against the FCRA and it needs to be eliminated immediately. I dont mean to be so upfront but Im trying to better my life and this is holding me up .. 

Inquires : XXXX/XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2021-01-20 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: CL Holdings LLC
State: MA

Complaint narrative:
****SEE ATTACHMENTS THAT SHOWS THAT IT WAS GOING TO BE DELETED REMOVED FROM MY CREDIT REPORT**** Dear XXXX / Executive Office ; I was really shocked last week when I refreshed my credit report and noticed that the collection account from XXXX XXXX is still on my Credit Report which is hindering my score so much and stopping me to achieve my financial goals You are the ONLY one thats reporting this negative account on my credit, despite the fact that the results of investigation through Cfpb stated that they will cease and remove this account. Well, the other credit reporting agency complied and deleted from my credit immediately, however you havent removed it. I talked to a representative at your office last week, and they mentioned that I can FAX over the letter and results from Cfpb and they will remove it. 

Plus, how can you report incomplete, misleading information on my credit report. Its impossible that a collection account can be late and past due. Look at the picture below late 120 days, past due for {$800.00}, etc. This is a violation of my consumer rights under the provisions of FCRA, and Im demanding an immediate deletion from my credit report. DELETE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: MN

Complaint narrative:
Repeated calls showing as Toll Free Call XXXX in caller ID. When I do not answer they leave a message. The latest message said, " We have a message from Superlative RM. This is a call from a debt collector. Please call us at XXXX in reference ****. '' Previous messages have been similar. 

I have no debt in collection that I am aware of. I suspect this is a scam call to attempt to collect personal data.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Johnson Mark LLC
State: OR

Complaint narrative:
The first notice I recall receiving from Johnson Mark LLC dated XX/XX/XXXX. It notified me that XXXX XXXX retained them to collect a debt. XXXX XXXX did not notify me that my payments stopped going through. There was adequate money in the account. I had no idea until this XX/XX/XXXX letter. Johnson Mark LLC had me served with a summons on XX/XX/XXXX. I set up a payment arrangement with them prior to this. XXXX XXXX never called me or reached out. I would like to be able to just pay {$100.00} every two weeks and have the suit dismissed. I have been temporarily living at a different address since XX/XX/XXXX because my apartment building has communal bathrooms and is a covid risk. Letters must have been returned to sender to XXXX XXXX. They never attempted to locate my new address or call.. I had no idea I was behind on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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:
On XXXX [ XXXX XXXX XXXX ] and derogatory mark on my credit report per [ EXPERIAN ]. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA [ XXXX XXXX XXXX ] has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2021-01-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Checking my report today and I noticed some inquiries on my report that Im not aware of as you know reporting anything inaccurate on my report is against the FCRA and it needs to be eliminated immediately. I dont mean to be so upfront but Im trying to better my life and this is holding me up .. 

Inquires : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is the second year Synchrony Bank has automatically switched people to online statements UNLESS you reply to an email. Online statements should ONLY be done at the request rather than forcing customers to opt of online statements and opt in to printed statements. 

This can cause late fees, missed payments and damage to credit histories. It is misleading.

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 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Checking my report today and I noticed some inquiries on my report that Im not aware of as you know reporting anything inaccurate on my report is against the FCRA and it needs to be eliminated immediately. I dont mean to be so upfront but Im trying to better my life. 

Inquires : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MO

Complaint narrative:
I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: NJ

Complaint narrative:
Please help me. I recently reported a fraudulent account to the FTC and I am now submitting this complaint so that this account can be removed from my report. I am trying to pursue a new business venture and this account is really hurting my report. Please remove it as per section 605 of the FCRA. This account must be blocked and removed within 4 days of receipt of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: OH

Complaint narrative:
I WAS IXXXX OF THE TIME OF THESE STUDENT LOANS AND CREDIT BUREAU KEEPS SAYING ACCOUNT IS VERFIED I ASKED THEM HOW DID THEY VERFIY IT AND NO REPLY FROM EXPERIAN U S DEPT OF ED/XXXX/XXXX Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Education Loan Balance on XX/XX/XXXX {$3400.00} U S DEPT OF ED/XXXX/XXXX  XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$2100.00}

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 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MO

Complaint narrative:
I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: CA

Complaint narrative:
Have found a buyer for my loan. XXXX, my account with them XXXX. However US Bank will not let me sell my car to them because I am not purchasing a new car from them. US bank will not take the check from XXXX for full amount owed. Please help me

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 2021-01-20 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: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
On XX/XX/2021 my wife went to an atm from XXXX in XXXX, OK. She attempted to withdraw some money and was declined. She thought it was because we didn't have the funds ( XXXX ) and it was returned to our XXXX  by AMEX from XXXX XXXX XXXX She tried again but this time for XXXX, this time the atm did the same thing but XXXX took XXXX money and wont give it to us. They told us to file a complaint with the bank and the bank told us to do it with them because we were their members. 

I did file the complaint with XXXX on the very same day. They explained to me that it can take up to 45 days to complete the process review and return my funds. But the also said and this is where my problem is, " If we do not resolve your claim within 10 business days, I can be rewarded a temp credit for the missing fund. '' I have called them everyday asking for the status update. I have spoken with exactly 6 billing supervisors since the XXXX and they all keep giving me different days when the 10 days would be. Was told the XXXX by 3 of them then the XXXX by one and now the XXXX by the last XXXX. They have all said the bank is holding up the return of the money. 
I went last week on the XXXX to the bank after talking to them about this issue. 

On the XXXX I printed of and brought the dispute form to the bank because XXXX told me they were the ones hold up the refund. I spoke to the bank manager and the people who work disputes for the bank and they said they had not received any forms from XXXX like XXXX said they sent. I gave them the dispute form I had and they said once XXXX sent their copy, their policy is to work it the same day. 

As of today, the XXXX, XXXX is stating they are delaying my 10 day credit, due the bank not responding to them. I have spoken with the bank today before I called XXXX 3 times today to be told the same like the bank is holding up the process. And that even though the XXXX and XXXX supervisor told me I was already approved for the credit they don't know about that. They can't promise that or see it.

Company response to consumer: Closed with explanation