vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit
State: NY

Complaint narrative:
I purchased this vehicle in XXXX of XXXX this is the second time my vehicle has been in the shop. I have driven this vehicle under XXXX miles since date of purchase. I use this vehicle to and from work where I commute with my XXXXXXXX XXXX. On XX/XX/XXXX the car shut down again, I've also had to XXXX next to everywhere for weeks, that is until XXXX XXXX  I was called to finally get loaner vehicle. Audi XXXX XXXX sent a tow company for my vehicle on XX/XX/XXXX, a week later I got to find out my vehicle was still in the tow yard cause Audi XXXX was closed when trying to deliver my vehicle. I was given a call a week after delivery to be told there is a part that needs to be ordered and I can come a loaner had to take an XXXX  to XXXX to get this loaner. Got a call last week that said the part was going to be probably in the shop around XXXX. This is now me going on a 2 months and a half without my vehicle. I went into Audi XXXX on XX/XX/XXXX and was told that the generator that was ordered came for my vehicle but now there is a fuel pump that need to be replaced due to a recall. on XX/XX/XXXX I got a call from Audi stating that they have the part and my car would be repaired which was the recalled fuel pump. I got another call stating there was a recommended service to be done on my car on XX/XX/XXXX. Then I got a text on XX/XX/XXXX stating that the engine light came on while performing the recommended cleaning and that I had to have the fuel pump replace again. I was refused a trade in, offered {$7200.00} in cash or trade in and I am requesting the full amount I have paid for this vehicle which XXXX XXXX is refusing to do. They sold me a car that is defective. I have paid {$48000.00} so far of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
During the early evening of XXXX EST I called Equifax to create an account. After 3 attempts of not being able to move forward in the personal information segment : not accepting my name that is on my credit card or the billing zip code. I thought that was odd as that has never occurred previously. I called Equifax customer support and spoke with a rep and she informed me that I had made too many mistakes and ended up freezing the screen. I did not inform her that I actually closed out the website twice and cleared the " cache '' just in case. I told her I wanted to subscribe to the Equifax Complete plan and said that she could activate from her end. I purposely interrupted her to inform her that how can Equifax put the {$1.00} on my card without being able to verify my name. She did not have an answer for that question, however, I did let her continue. She pitched the Equifax XXXX XXXX plan and said that I would be able to access my credit scores and reports from all 3 agencies. So I allowed her to set me up with the Equifax XXXX XXXX plan. She informed me that she would send me an email with the link to access my account and then create a new password. So I got the email clicked on the link and followed the instructions, however, I was not lead to my account page but rec 'd this msg. : " At this time we are temporarily unable to complete this request please try again later ''. So I did. After the fifth time I called the same number with no response. I did not get any email saying that an account was successfully created or a member ID number and now I have a {$19.00} charge pending without accessing the account page.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
The information on my credit report written below is inaccurate and fraudulent. I would like these items removed of off my credit. 

Radius Global Solutions 2022 Radius Global Solutions 2022

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 2023-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
In XX/XX/2021 I received a letter that my mortgage was due in XXXX. I was unaware of that and told Rushmore. I didn't want to use all my savings to pay the balance. I was renting the property at the time and unable to refinance. I'm also retired. The only solution was to accept the Rushmore " rate renewal '' at more than twice the prior rate ( XXXX XXXX XXXX XXXX  ) The tenant moved out in XXXX and I moved back to the property. I now have to borrow from savings each month to pay the higher payments ( + $ XXXX ) in addition to higher food & other expenses due to inflation. I called Rushmore for help. They offered loan modification or other program so I went thru the extensive process, with documents & information. I now received a bizarre letter that I don't have enough income to support a loan modification. Which is why I asked for help. That " rate renewal '' far exceeds the market even with higher rates. I tried to refinance the loan but it adds more to the balance without offering lower monthly payments. Don't they have to provide assistance? Lower interest or refinance the loan to extend the date for lower monthly payments. I can't keep depleting my savings to pay this outrageous inflated rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OR

Complaint narrative:
Dear Consumer Financial Protection Bureau : Im writing to request assistance resolving XXXX  and credit reporting discrepancies with Jefferson Capital Systems. 

I received a letter from Jefferson Capital systems in XXXX of XXXX requesting payment on a debt incurred through XXXX XXXX back in 2019. The original debt was XXXX and the letter stated they would accept a settlement payment of XXXX to resolve the account in full. 

I called Jefferson Capital systems on XX/XX/XXXX to negotiate payment options. I learned during the call that the offer expired the day before, on XX/XX/XXXX and they had just filed a case against me with the XXXX XXXX XXXX system. I asked if there were still options to negotiate a settlement. Jefferson Capital systems agreed to accept a payment of XXXX} as payment in full and to drop the associated court case. I made the full payment of XXXX that day to avoid receiving a court summons and settle the matter before it became a legal proceeding. I received a letter from Jefferson Capital systems on XX/XX/XXXX confirming the debt had been satisfied. I received another letter from them dated XX/XX/XXXX notifying me they had requested dismissal of the court case, with prejudice. 

On XX/XX/XXXX I received a court summons on the case. I called today to check on the case status and the court confirmed they never received a request for dismissal, and I have XXXX days from the date I was served to file a response. I have also learned the debt collector has updated my credit file to show the account still in collections with an amount owed of XXXX. I would like to find out if I have any recourse against the debt collector for failing to uphold the terms of the agreed upon payment to settle the debt. At the very least I would like the active court case against me dropped and my credit report update to show the debt collection paid as agreed. 

Thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: LA

Complaint narrative:
I had a XXXX debt in collections from XXXX XXXX XXXX ( XXXX ). The original creditor is XXXX XXXX XXXX. This debt was paid off and is completely shown as paid/closed on my credit report from Experian. As of XX/XX/XXXX all paid XXXXl debt should be removed from consumer credit files. The collection account that was paid has been removed from my XXXX and XXXX, but not Experian. I submitted a dispute with Experian which was resolved without removing the collection from my account. I then called Experian and was told that they can not remove this despite guidelines from all three CEOs of ExperianXXXX, and numerous statements from the white house about this new change going into effect. See statement below : Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on U.S. consumer credit reports. In addition, the time period before unpaid XXXX collection debt will appear on a consumer 's credit report is being increased from six months to one year, giving consumers more time to address their debt before it is reported on their credit file. 

These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of XXXX collection debt with an initial reported balance of less than {$500.00} from credit reports. 

This is adversely affecting me due to having a significantly lower credit score of XXXX on my Experian account, versus my score of XXXX and XXXX from XXXX and XXXX. This is affecting my ability to borrow from lenders or get approved for apartments.

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 2023-01-06 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I withdrew {$200.00} from my US BANK XXXX card. I took too long to retrieve the money and the money was sucked back into the ATM. I've filed a regulation E with both companies, keep calling both companies but keep getting told they are waiting for the other to call them. This should be a very easy fix. I called both companies on XX/XX/2022 to report this issue but still have not gotten my money back.

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 2023-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-06 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: FL

Complaint narrative:
Ive called the credit bureaus and explained to them my student loans are not late they are in deferment. Over the past 2 years since the pandemic the loans are showing missed payments when in fact they are deferred. Also, the loans were recently sold to another service provider in which they are still in deferment and the new provider is showing I have 4 missed payments. The credit bureaus are saying its showing on time, however, when I apply for credit it shows they are late and are missed payments. This is causing my score to remain stagnant and costing me more money when financing things.

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 2023-01-06 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: FL

Complaint narrative:
Ive called the credit bureaus and explained to them my student loans are not late they are in deferment. Over the past 2 years since the pandemic the loans are showing missed payments when in fact they are deferred. Also, the loans were recently sold to another service provider in which they are still in deferment and the new provider is showing I have 4 missed payments. The credit bureaus are saying its showing on time, however, when I apply for credit it shows they are late and are missed payments. This is causing my score to remain stagnant and costing me more money when financing things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: NY

Complaint narrative:
Hello this is a feature of my XXXX XXXX XXXX debit card that I am supposed to be able to use, but for some reason has never worked for me. 
I tried XXXX XXXX at XXXX powered by Ria multiple times, a feature of the XXXX card, and it says that they are unable to approve the transaction for some reason. I tried for lesser amounts, XXXX, XXXX, XXXX, etc but all were " unable to be approved '' errors. This also happened today. I still don't understand why it doesn't work. 
I don't believe that I have reached any of the XXXX limits described on the serve.com website, and my account has sufficient funds. 
This is very stressful and distressing to me and am having difficulty even getting to anywhere to try and purchase money orders somewhere, mail them, use a ATM machine and also have to deal with daily ATM limits and fees. I need to complete my important payment as soon as possible and for some reason nothing is working and am still having problems with everything. I have verified my identity with XXXX XXXX XXXX and attempted the XXXX XXXX feature many times in multiple browsers and devices. 
I attempted to do a bank transfer from my XXXX account with Ria, and it was declined and my account " locked for security purposes '' while waiting for the bank account verification deposits on my XXXX account, and I explained in the email this situation, but have not received any response yet. I have been having difficulties attempting to purchase money orders and getting any help at all from Ria or XXXX customer service. I have contacted each customer service and have been assured that there are no problems and that it should be working, and to try again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient class action lawsuit XXXX v Navient Corp., my loans are eligible and were delinquent for consecutive months due to high risk/complications of a XXXX XXXX. The loans in question originally date back from XXXX. Navient never offered me income repayment plan ; I was offered forbearance. I learned of this later from the ombudsman office this consolidation option. The delinquency has been damaging to my credit for years. I have emailed the CEO for relief ; even worked with XXXX XXXX XXXX for a resolve. No assistance as of yet from this establishment. My next step is Attorney General and FCRA.My loans are not with this establishment any more. At the time XXXX XXXX was my lender and they used unfair tactics to get young borrowers such as myself at the time to get these loans for XXXX. These late payments on my credit score are high jacking my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 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: MD

Complaint narrative:
I opened a XXXX XXXX in XX/XX/2022. I used the account once to purchase approximately {$50.00} in fuel and it was closed by the lender for potential suspicious activity. I paid the amount I had charged immediately. 

In XX/XX/2022 I received an email that my monthly membership fee of {$10.00} was due. I emailed customer service and they indicated that it was a mistake, the account was closed, and I owed no balance and no monthly membership fee. 

In XX/XX/2022, they reported a {$10.00} balance as delinquent, Up to 30 day beyond terms on my Experian Business credit report. My credit score dropped from 85 to 16 because of the incorrect reporting. I was also denied a business credit card with another lender because of the erroneous delinquent reported 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 2023-01-06 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: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/2022 I received a phone call from the US Bank Visa Fraud Department concerning some recent charges on my credit card ( # XXXX XXXX XXXX XXXX ) that happened while I was in XXXX De XXXX, XXXX. I immediately answered the phone, spoke to an agent, and stated that the two charges made to XXXX XXXX XXXX of {$1600.00} and {$500.00} were fraud. The agent stated that they will reverse the charges and do an investigation. They attempted to call me one more time and did not leave a message. I then received a letter dated XX/XX/2022 that stated that the investigation was complete, and no fraud was found because I still had my card and that there was another authorized user on my credit card. They then reversed the charges back and charged me the approximately {$2100.00}. Since then, I have called to reopen the case multiple times and eventually spoke to an agent about my case after I filed a complaint. I stated that there are no other authorized users on my account, and it is clear that my card was scanned and charged somehow. This agent stated that I need to get a police report from XXXX, video footage and witness statements. 

My current case # 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 2023-01-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-06 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is incorrect information on my credit report : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is incorrect information on my credit report : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief