vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Klarna AB
State: VA

Complaint narrative:
On XX/XX/2020, I purchased a dirt bike from Orionpowersports and chose XXXX to finance a 12 month 0 % interest from the vendor website. I created a XXXX account and checked off the autopay feature. I linked my bank account to XXXX as directed. 

I then tried to enter the payment amount for the autopay feature and ended up instead, sending an {$80.00} payment to XXXX. XXXX handles all of their incoming contacts via a call center. One can open a chat session or call but the call center will not transfer call nor provide a person 's email. 

What I was told, is that autopay will pull the payment from my connected bank account for the amount of the minimum payment due from the current 25th statement. Then, if you want you can manually add to that minimum amount to make the payment whatever you want so that you have a {$0.00} balance after 12 months. Each manual payment would be different since the balance owed changes each month. 

I looked up references plus used my 69 years of experience to question how an autopay plan needs a manual adjustment. Autoplans usually have a fixed amount with a set number of months and is designed to have a {$0.00} balance at the term-end so that there is no finance charge due.

I reached out to Klarna through chat but they just repeated the minimum payment procedure. I have come to believe that this is an intentional plan on Klarna 's part.

My financing of {$1500.00} using the minimum amount ( about $ 32/mo. ) amount due method would have left me with a balance at the 12 month end date of about {$1100.00}. I would have to make a balloon payment or have the interest for the 12 months added to my balance. 

I believe that this is a deceptive and deliberate practice on Klarna 's part to have customers come up short and be charged interest. I have already made arrangements to payoff my balance and close my loan out so I am not personally looking for anything from Klarna. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
i ; consumer, owner of home stead, exempt property known as XXXX XXXX XXXX XXXX Washington DC, which scheduled for foreclosure on XX/XX/2020, select portfolio servicing , inc., I ; never had any contract with select portfolio servicing, inc, I, never had 2nd lien with XXXX XXXXXXXX XXXX, XXXX. i deny alleged debt in entirety, i am, able ready willing to settle any debt that is true, due and owing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: TN

Complaint narrative:
I went to help my son get a car so he can have for college and I was approved but with a little higher interest rate than expected. I try to watch my credit as much as possible and I saw an account from XXXX XXXX  and alot of inquiries I know nothing about. Please remove this from my credit 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.Im doing this on my own and has contacted the FTC and my police here.

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 2020-03-07 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: TN

Complaint narrative:
I went to help my son get a car so he can have for college and I was approved but with a little higher interest rate than expected. I try to watch my credit as much as possible and I saw an account from XXXX XXXX and alot of inquiries I know nothing about. Please remove this from my credit 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.Im doing this on my own and has contacted the FTC and my police here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: TX

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-03-07 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: FACTUAL DATA CORP.
State: NC

Complaint narrative:
I applied for a refinance with a XXXX XXXX XXXX  XXXX XXXX  through a loan officer, XXXX XXXX. After waiting for a decision on an approval, a few months afterwards, I noticed that my current home lender ( XXXX XXXX  ) had done a hard pull on my credit through Factual Data on XX/XX/2019, that I did not authorize. I mentioned this to XXXX since he was working on the refinance with a different bank. XXXX informed me that he had switched companies and pulled my credit with the new company. 

I did not authorize XXXX or XXXX XXXX to pull another credit report and process a refinance with that company. If I had known of the switch to a new company, I would not had authorized such a pull. To date, I have not signed any document authorizing XXXX to pull my credit or process any application for credit. 

I contacted XXXX and XXXX regarding the unauthorized pull and both directed me to contest it with the credit bureaus and it would be corrected. I contested the hard pulls with XXXX  and XXXX. I received a copy of an unsigned loan application from XXXX Consumer Assistance along with a notice regarding Identity theft. The unsigned loan application was apparently generated after my credit was pulled without my permission and has no bearing on whether I authorized a credit inquiry. To date, the inquiries have not been removed from the credit reports. 

This hard credit pull has impacted my credit score negatively and has limited my refinance option with other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I sold a car on XXXX. Received payment through cashiers check for {$2500.00}. I deposited the check through the mobile application on Monday XX/XX/20 and the funds all cleared within 36hours. Shortly after the funds cleared and I began to close the sale, the buyer called to back out of the sale citing family turmoil XX/XX/20. I was pressured into sending the funds via XXXX/XXXX XXXX. I didnt think anything about it because my bank cleared the funds. I made three transfers on Wednesday the XXXX : 1. XXXX {$500.00}, 2. XXXX {$1500.00}, 3. XXXX {$500.00}. After I returned the money, my checking account reflected the normal amount before the check had been deposited. Thursday the XXXX I went to buy food and my debit card was declined. I called the bank and was notified that the check I deposited was reported stolen and that the funds would be replaced. On Friday XX/XX/XXXX, my direct deposit from work came in and my account was still negative. I called Citibank and they notified me that I would be responsible for the fraudulent funds I transferred out and that they are not responsible for any checks deposited. I argued that I did not know that the check was fraudulent and that the funds cleared in my account. Furthermore, I would not have authorized the transfers through XXXX/XXXX  had I known that the funds were fraudulent. I spoke to several supervisors and they all told me that because I authorized the transfers from my account that I was solely responsible for the fraud and that they would not be able to credit my account for the stolen funds. They said that the check was cleared at first in good faith, and only after the return transfers were made was when the check was flagged as stolen. I am left to assume the risk and liability of the entire thing. I filed a police report and also contacted the federal trade commission.

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 2020-03-07 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: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
XX/XX/XXXX I loaned a vehicle from Honda Financial Services. 
In XX/XX/XXXX I became homeless and job less but was able to make my payments until XX/XX/XXXX. 
I spoke to HFS about it and they told me my repercussions but that it was better to pay something than nothing. 
XX/XX/XXXX I recieved a large lump sum payment and called to pay off XXXX. They refused the payment and said it was seriously delinquent which is why my online portal was shut down. I also updated them with my new address. 
XX/XX/XXXX They had repossessed my vehicle XX/XX/XXXX I called the company to make a payment or find out whats next and the person I spoke to refused to give any info, they said whatever I would need to be done on my part I would receive in the mail. I made sure they had my updated address again. 
In XXXX or XXXX I called again because I was going to file bankruptcy over this situation alone and they had told me the vehicle was sold. They gave no info including the date of auction, where, how much the amount owed or anything. 

I have disputed this on my credit report several times due to the it is showing different dates, one month it will say I made payments on these months, the next time some of those months are labeled as 30/60 days late. I never made a late payment until XXXX of XXXX. 

After calling and calling I finally sent two certified letters in the summer of XXXX, they did not respond to the first but had responded to the second, with backdated paperwork via mail with all the information that should had been given 5 and 10 days after reposession. It also states an address Ive never lived at XXXX XXXX now has been added to my credit report. 
The certified letter had stated about the deficiency in the state of Ohio and the time frame they have regarding a repossession. 

I again disputed it recently, to which they had updated every month from XXXX until XXXX of XXXX as being late and charged off. This has caused my credit score to drop and the negative item has stopped me from purchasing a home. 

To summarize, not only did they refuse my payment pleas, they violated Ohio State law and reported inaccurate information on my credit report as they did with several others in a lawsuit in Massachusetts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
On XX/XX/2020 I was assessed a late fee on my account # XXXX.Payment was then processed on XX/XX/2020. I have attached proof from my bank my payment was sent on XX/XX/2020 and was received on XX/XX/2020. The bank then held the payment until a late charge would be assessed. This was brought to the attention of the customer service representative. She refused to reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: CO

Complaint narrative:
In XXXX of 2019, I canceled my service with XXXX XXXX. I received a confirmation number of this cancellation ( # XXXX ) from XXXX XXXX. Subsequently, my checking account was debited in the amount of {$95.00} by XXXX XXXX for XXXX service which, due to the cancellation, was no longer being provided. I disputed the charge with my Bank and they removed the payment. XXXX XXXX has now submitted this to a collection service, MRS BPO , LLC located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX for payment. I did not receive any such service in XXXX and, in fact, we sold our home in early XXXX and moved to a new location.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/XXXX mail pertaining to XX/XX/XXXX - XX/XX/XXXX from usaa Please note ftc.gov article web : 1 ) Have you ever been billed for merchandise you either returned or NEVER RECIEVED? response YES see attatched Criminal Investigation Letter USPS ( local post office ) dated XX/XX/XXXX. 2 ) Has card ever been charged twice for the Same Item? response. YES statement XX/XX/XXXX PURCHASES ARE ALSO ON statement XX/XX/XXXX {$340.00} & {$210.00} SAME PURCHASES OF XX/XX/XXXX RETURNED ITEMS and XX/XX/XXXX XXXX  ARE THE SAME PURCHASES AS XX/XX/XXXX {$470.00} I REPORTED UNAUTHORIZED XX/XX/XXXX. Kindly Note ftc.gov web FCBA Apply FOR EXAMPLE : : : A ) Unauthorized Transactions. USAA FRAUD LETTER XX/XX/XXXX CONFIRMS UNAUTHORIZED {$470.00} XX/XX/XXXX CLAIM DATE. 
B ) Charges for which you ask for an explaination OR ** WRITTEN PROOF OF PURCHASE ALONG WITH REQUEST. I have been requesting written proof ** SIGNATURE ITEM WAS DELIVERED INTO MY HANDS. Deliveries delivered by USPS NOT  DELIVERED in that zip XX/XX/XXXX forward because they would not fit in my 2 inch letter mail box AND WERE NOT DELIVERED INTO MY HANDS. Some found outside common ground some XXXX Not Accepted or OPENED. Many were not even ordered by me. See attatched FTC ID THEFT case XX/XX/XXXX. USAA DOES NOT FOLLOW FTC GUIDELINES ALL OF THIS IS TWO ( 2 ) YEARS LATE. Still NO RESOLVE. 
KINDLY NOTE THE ID THEFT REPORT. I AM XXXX. I WILL NOT BE ABLE TO FILL OUT THESE FORMS. USAA IS, and NEVER HAS PROVIDED XXXX XXXX OPTION FOR MY XXXX. I HAVE NO ACCESS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: CITIBANK, N.A.
State: MO

Complaint narrative:
Citibank closed my credit card account. When they did they claim that I forfeited all rewards points. I had no advanced notice of the account closure or I would have used the points that I had. As of my XX/XX/20 statement I had XXXX points and Citi is now saying those points are forfeited.

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 2020-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
i ; consumer, owner of home stead, exempt property known as XXXX XXXX XXXX XXXX Washington DC, which scheduled for foreclosure on XX/XX/2020, select portfolio servicing , incXXXX, I ; never had any contract with select portfolio servicing, inc, I, never had 2nd lien with XXXX XXXX XXXX, XXXX. i deny alleged debt in entirety, i am, able ready willing to settle any debt that is true, due and owing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cottonwood Financial Ltd.
State: FL

Complaint narrative:
I took a payday loan and couldn't pay back. Two yrs later, received phone call from XXXX XXXX XXXX threatening arrest & jail if not paid. I have had them take $ XXXX/month from my Social Security Disability-issued debit card. They have been paid {$300.00} of the {$400.00} owed. Saw article on the company saying they may be fraudulent. Started pymt on XX/XX/XXXX with {$25.00}. Pd $ XXXX/month XX/XX/XXXX thru XX/XX/XXXX. 

https : //www.consumer.ftc.gov/blog/2019/02/ftc-halts-another-phantom-debt-collection-scheme Not sure if I'm being scammed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE BEEN GETTING PHONE CALLS FROM DEBT COLLECTORS REGAUDING A ACCOUNT MY MAIL WAS STOLEN OUT OF MY MAIL BOX AND SOMEONE WAS ACTING AS ME AND STOLE MY IDENTITY TO OPEN UP FRAUDULENT CREDIT CARDS SO I CNTACTED XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CO

Complaint narrative:
My services were cancelled at XXXX XXXX XXXX XXXX # XXXX XXXX CO XXXX on XX/XX/XXXX. I requested a final bill be sent to me. XXXX/XXXX   never sent a final bill and they abruptly place a negative collection mark on my credit reports with XXXX, XXXX and XXXX. That has seriously damaged my credit and is in direct violation of FDCPA laws.Furthermore it appears my account may have  been transferred to Enhanced Recovery Company who i have never heard of. That is a double FDCPA violation because not only didnt XXXX/XXXX  not send me a final bill and damage my credit, Enhanced Recovery Company never contacted me in anyway to send me any collection notice and took away my right to dispute. I am asking for XXXX/XXXX  and its collection agency to immediately remove any reporting to the 3 major credit bureaus and send me a final bill. The amount showing on credit reports is {$150.00}. Online account shows a different amount and there are no bills available to view online so there is no valid proof of debt available to me. I am unable to view any bills online and last bill i received was XX/XX/XXXX. In my discussion with XXXX and chatting with agent by the name of XXXX, I was advised if i want it removed from credit bureau i have to either pay in full to XXXX or to the collection agency. here is the excerpt below from our chat session XX/XX/XXXX at XXXX 1. We can process the payment for the final bill then I will submit a request to remove the credit report, however, the removal will take up to 30 days from the date of the payment. 

2. You can contact the Enhanced Recovery and make a payment with them directly for a faster removal of the credit report, XXXX. 

I advised that I am not paying anything without seeing the final bill first and furthermore having the negative reporting deleted first. 

This further backs my claims of illegal tactics by these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On the website it States that I owe now more than I owed a year and a half ago. I owe over 6000 on a XXXX dollar loan and the payoff for 10 days was recently XXXX. They already repossessed me once and made it so difficult to get my car back when I was pregnant in XX/XX/2019. They are now telling me that i will be paying close to 15000 by the time the loan ends. All of it goes to interest and the car is not even worth that much anymore on XXXX. About 4000. I did a lot of research into this company and they are known for scamming people into thinking its something it isnt. I do not have good credit because of things such as repossessions and credit card debt and so my XXXX XXXX XXXX wont refinance me. They wont let me get out of this loan and I need to! Before I got a title loan I owned my car for 2 years paid it off for XXXX in 8 months. Now I have a child and I lost my job. Please help.

Company response to consumer: Closed with explanation