vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
In 2021 the total amount of {$100.00} was resolved and paid to Radius Global Solutions. 
RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: VA

Complaint narrative:
XXXX has consistently charged false invoices to my account for over a year, since XX/XX/XXXX, totaling hundreds of dollars. I did not send the packages for which they have charged me. I have no knowledge of them whatsoever. From googling, this appears to be some sort of common thing for XXXX. 

On multiple occasions, I have called XXXX to dispute these charges ( since their website automatically declines a dispute the instant you submit it ), spending hours on the phone with a call center. In a number of instances, they simply removed the charges and promised it would not happen again. But it did. After several calls, I finally asked them to cancel the account, which they confirm they did on XX/XX/XXXX. Nevertheless, in the months since, they have sent numerous additional false invoices, which I ignored based on comments from XXXX to do so. 

But on XX/XX/XXXX, a debt collector from RMS, contacted me about the outstanding charges for hundreds of dollars. I explained the situation to her, and she also confirmed that her file showed my XXXX account had been cancelled on XX/XX/XXXX -- before any of the invoices she was attempting to collect payment for had been issued. She instructed me to again contact XXXX and then get back to her. I have done so twice. Both time with promises from XXXX that their " back of house '' will zero out the charges and make sure my account is actually closed and no longer result in false charges. 

So, far nothing. No confirmation. No removal of charges. The false invoices are still shown as past due. The debt collection is still hanging over me. 

In light of these circumstances, XXXX is committing fraud and knowingly harming my credit, despite multiple acknowledgements by them that these charges are not actually owed by me. I am wasting hours and hours of my life trying to politely get them to leave me alone. 

The problem here is primarily one from XXXX, but RMS should not be attempting to collect debts when their file shows that the account was cancelled before the debts were supposedly incurred. There is no good faith basis to attempt to collect debts that are facially absurd.

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 2022-08-04 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
We arrived at XXXX XXXX airport at XXXXXXXX XXXX on XXXX XXXX. As I was looking up an XXXX driver, my husband went outside and came in and said there was an XXXX driver outside. I said it says {$28.00} on the app and he said ok. We didnt check his ID ( I guess because he was at the airport ). He took us to apt- about 15 min drive. I gave credit card and a {$10.00} cash tip. 
When we received our credit card bill, it said {$450.00} for 15 min drive. ( when we returned from apt to airport, our fee was {$20.00} with a legitimate XXXX. 
The credit card company CITI sided with the XXXX. XXXX XXXX Because they sent a fake receipt with false signature. 
It is obviously fraud because we can prove when we arrived at airport and when we arrived at apt . Only a short drive- could not be {$450.00}. 
I thought that credit card companies were supposed to assist customers when there is fraud involved in a transaction When I checked on filing a police report, the police officer couldnt believe that the credit card company would not help.

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 2022-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. 
The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the subsequent : Account Name : KAY JEWELERS Account Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I had signed a lease with someone and when Covid hit we lost our jobs and had to move out to move in with family. I was in constant communication with the Management of the apartment complex and have signed documents stating me myself moving out. The other person did not have that and yet the responsibility it falling on me when I had did my part. I have reached out after finding this on my credit report. I do not believe I owe the full amount of any at all when I paid the full price of rent alone and had lost my job due to covid. I also did not feel a proper investigation was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Chrysler Capital is reporting that I am delinquent in making payments for a leased XXXX XXXXXXXX XXXX, VIN # XXXX which I leased in XX/XX/XXXX and subsequently purchased in XX/XX/XXXX. Since XX/XX/XXXX, I have been making payments to XXXX XXXX, the only lien holder listed on the title. This incorrect, derogatory information has blemished my otherwise excellent credit and is preventing me from obtaining a mortgage. 

As the dealership that I leased the vehicle from has gone out of business, I called Chrysler Capital s corporate offices on XX/XX/XXXX and XX/XX/XXXX and was transferred from department to department ( Allegiance Team, Lease Buyout Dept., Credit Dept., Platinum Services Dept., etc. ) without any resolution. My last call transfer was to XXXX XXXX, who stated that there appears to be an issue with how the dealer bought out the vehicle. He then advised that the issue will be reviewed, and I will receive a call within 24 hours. 

Since time is of the essence as Ive already made an offer on a home that was accepted ; and I did not receive that call, I again called Chrysler on XX/XX/XXXX and was informed that the Dealership whom I purchased the vehicle from underpaid Chrysler during the buyout process, and that I must pay the outstanding balance if I want this derogatory information removed from my credit report. Why should I, the consumer that made EVERY payment on time be held liable for one of Chrysler Capital 's licensed distributors error - and Chrysler 's negligence in not realizing that error at the time and accepting the " underpayment '' - that is not fair! 
NOTES : I went to the dealer location in XX/XX/XXXX and informed them that I wanted to purchase the vehicle. At the time, there was one payment remaining on the lease. When asked if I should make that payment and then purchase, the dealer rep. said No that the last payment will be rolled up into the purchase price. 

The dealer made a payment to Chrysler in the amount of {$25000.00}, which I was informed by the dealer included the 39th and final lease payment amount of {$420.00}, the purchase option ( buy out ) fee of {$350.00} and any other related taxes and fees. This supports the presumption that the buyout process was flawed, and my lease account was not, at no fault of mine, properly updated and closed out. Also listed on my account as outstanding is the disposition fee of {$390.00} which is waived if the customer purchases the vehicle ( see additional terms on lease agreement ). 

Lastly, I am in possession of a my vehicle title that shows the only lien holder as XXXX XXXX  ; why would Chrysler release a title if funds were owed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I accepted a forbearance plan offered by my mortgage company Loan Depot. Forbearance plan ended XX/XX/XXXX. At the end of my forbearance plan my loan was sold to a different division of Loan Depot. I tried and tried to make payments but was not allowed because they needed to do loan modification and give me a new payment to make. They couldn't give me an amount to pay or tell me where to make a payment because they weren't done transferring my paperwork from the first division. Months went by with no communication and when I called I would get the same answer. We are still working on your loan we should have answers soon. They sent me more paperwork to sign regarding my forbearance in XXXX. To which I signed and sent back. Now we are in XX/XX/XXXX and the answer I received after multiple phone calls was that " you should hear something from us by XXXX or XXXX ''. I called during this time because I am now getting people coming to my house trying to buy my house because they say it is in foreclosure. I called loan depot at the end of XXXX once again. Customer service did not see anything about foreclosure in my loan notes. Yesterday when I got home from work I had a card on my door saying we just bought your house at auction. I called loan depot this morning and after many times on hold and customer service rep scrambling. This is true. They sold my house without letting me make payments after my forbearance ended. I have been trying to make a payment with Loan Depot since XX/XX/XXXX. I am now being told they can not help me because they no longer own my house. They sold to an investor named XXXX XXXX with XXXX. XXXX in TX, XXXX. I have no idea what to do now. I have been in this house for 16 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX - we sent {$100.00} through XXXX Went to correct account. 
XX/XX/XXXX we sent {$270.00} to same number and money wasnt received XX/XX/XXXX - sent {$1.00} to same number again and money was received. 

XXXX will not provide information on why the 2nd transaction wasnt received and have denied our claim that there was a glitch or problem with system. No explanation no conversation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have no knowledge of this account and it shouldn't be on my account. 

The above complaint was sent to Experian on XX/XX/2022 and it is currently XX/XX/2022 and their investigation is still ongoing. According to the Fair Credit Reporting Act if an investigation takes longer than 30 days the disputed information should be removed.

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 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 

Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX 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.

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 2022-08-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 

Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-04 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXXXXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-08-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

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