vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Klarna AB
State: FL

Complaint narrative:
Purchased a new mattress who uses Klarna Inc as a payment provider. Since then, we receive bills in the mail from Klarna, but their website will not link my contact information to my account, which makes it impossible to make a payment online. Customer support is at best described as terrible utilizing only a website " chat '' function because their XXXX number just disconnects you when you try to use it. I want to pay off my account so I never have to use this terrible website again, but they won't allow me to make a payment and they are now saying I am behind in my payments even though I HAVE TRIED NUMEROUS TIMES. This company is fraudulent because they willfully prevent consumers from making payments, then they charge a " fee '' when the payment is not applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you might be reporting damaging information to my name. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. Please forward me all documentation on this account or remove it from my credit report. Falure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I Will be seeking up to {$5000.00} in damages lo 1 ) Detamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
As I can see the account was close since XXXX I paid full balance in XXXX but base on law if account is close ITS ILLEGAL TO REPORT ACCOUNT OPEN AS OF XX/XX/XXXX BECAUSE ITS PAID IN FULL AND NOT OPEN PLEASE REMOVE ASAP FROM ALL XXXX CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
I was transported via ambulance from XXXX XXXX XXXX to XXXX XXXX by XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX aka XXXX XXXX XXXX, aka XXXX XXXX XXXX on XX/XX/XXXX. They are an out of the network provider. Their services were selected by unknown person ( s ) at XXXX XXXX XXXX without my specific knowledge. I was billed {$1500.00}. XXXX insurance covered amount {$1100.00}, leaving a patient responsibility balance of {$200.00}. The {$200.00} balance was paid in full through XXXX 's payment processor, XXXX, on XX/XX/XXXX. I have an online receipt available through XXXX. There was a disallowed amount of {$160.00} as referenced on the XXXX EOB : " XXXX - XXXX XXXX XXXX : THE SUBMITTED PROCEDURE CODE IS DISALLOWED BECAUSE REIMBURSEMENT IS INCLUDED IN THE PRIMARY SERVICE. Since then I have been repeated harassed by telephone by Wakefield Associates, XXXX TN claiming an outstanding balance due of {$360.00}. During several phone conversations in XXXX, they were informed that the debt was paid in full to the original debtor and to stop harassing me for a debt that is not owed. Their latest phone voicemail was left on XX/XX/XXXX at XXXX AM EST. They continue to phone my mobile number on XXXX and leave a voicemail " ... call so-and-so at Wakefield Associates '' without a mentioning a reason for the call or identifying their identity as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: NC

Complaint narrative:
multiple unauthorized inquiries from " 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 2022-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Securus J Holdings, LLC
State: NC

Complaint narrative:
The company is Jpay. I typically send money to inmate through their services via online method. A few weeks ago, an unathorized individual sent money via phone, using my account. During the investigation, Jpay blocked my account but did not take steps to properly secure my account from unauthorized users. Instead they blocked my account from me. I escalated the issue multiple times before it was reviewed. Then they unblocked by ability to send messages but still blocked my ability to send payments to the inmate. I am the authorized account user. They have the poorest customer treatment, poorest communication skills both verbally and written, and do not quickly resolve matters. I am still unable to send funds to my loved one. An incompetent organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: FirstPoint Collection Resources
State: NC

Complaint narrative:
FirstPoint Collection Resources has failed to Delete the account reporting inaccurate and invalid debt information and balances on my XXXX credit report. I have not done any business with this company. This company is not the original creditor and this company does not have a contract bearing my signature. I do not owe FirstPoint Collection Resources. I have requested permanent deletion via numerous letters sent to FirstPoint Collection Resources and I feel that my rights are being ignored and I am being taken advantage of because I have never had a contract with this company and the data reporting is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: NC

Complaint narrative:
multiple unauthorized inquiries from " XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
multiple unauthorized inquiries from " 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
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX did not disclose the debt collection at all, nor did they send a notice about sending to collections. I was not aware of these debt collections until they reported to my credit report. 

I reached out to XXXX XXXX on several attempts to offer payment on the account before they sent it into collections. XXXX makes it very complicated to be able to reach out to someone to get help on the matter. On the actual XXXX account, the last time i took a look at it which was XXXX  XXXX, the past due balance was about {$380.00} or so. They did not disclose it was being sent to collections, and sent it to collections for over {$900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
We purchased a new home on XX/XX/XXXX with Rocket mortgage as the lender. 
We locked our rate with elected points of {$2900.00}. 
Rocket changed the points on this loan to {$6900.00} less than 2 days prior to close, without a valid change of circumstance and without our consent. We objected, but ultimately had to close the loan so as not to risk the earnest money ( {$40000.00} ) we had put toward closing. We've attempted to get Rocket to acknowledge their error and refund the {$3900.00} to us, but they have refused. 
XXXX - XXXX contracted on the home in XX/XX/XXXX and pursued financing with Rocket -We elected points, as reflected on the XXXX dated XXXX in the amount of {$2900.00} -During due diligence, we learned of repairs needed on the home. We amended the purchase contract with the seller such that they would provide a concession of {$20000.00} in-lieu-of holding up closing. This amendment to the contract was shared with Rocket on approx. XXXX and acknowledged as having been received by Rocket on XXXX ( see attached email ) - Due diligence ended on XXXX and {$40000.00} we had pledged in earnest was released- On XXXX, Rocket issued a CD to us still reflecting the points in the amount of {$2900.00} - On XXXX, Rocket, without our consent or knowledge, changed the points charge and issued a new CD, reflecting points totaling {$6900.00} - We objected by phone to them on XXXX, but were forced to closed else would risk losing the {$40000.00} in earnest money - I contacted Rocket after closing, pointing out that they needed to refund the increased points charge as this was not requested by us nor a change authorized by us. 
- Rocket claimed it was necessitated by the concession. However, they had no answer when challenged that they had this information at least 4-5 business days prior to the revised CD, thus, no valid change in circumstances related to the seller concession could be claimed. 
- Rocket continues to deny our request for a valid refund as their change in costs is outside allowable tolerance We request the CFPB assist us in pressing Rocket to make right by us and refund this overcharge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX. Take off XXXX XXXX. I have credit freeze and never gave information. 
XXXX. XXXX XXXX has old information. I have XXXX balances on my accounts. 
XXXX. My credit history is XXXX XXXX XXXX and they say I have none. 
XXXX. XXXX says XXXX am late on payments in 2017. I was never late. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX and told them I would make minimum payment and they took XXXX say it wasn't enough. That is a lie.I had agreement with them to pay XXXX $ a month until I got out of accident.

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 2022-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022, I logged into my Citi credit card account to check on XXXX of my XXXX credit cards I keep with them. When I logged in, I was unable to access my Citi XXXX card and saw a message that said it was inactive. I was concerned because I had not deactivated or done any action to close the account. I was worried there was fraudulent behavior and called Citi at XXXX in the evening. I spoke to several reps, who advised that my account was shutdown by Citi because it was inactive for 15 or 18 months ( XXXXwo reps told me two different answers ). I was quite upset. This is my longest tenured credit account and it's important for my credit score. It was extremely unfair of Citi, and honestly pretty deceptive, to shut the account down without telling me. On top of that, when i asked them to re-open the account they said it would take XXXX business days AND require a hard credit inquiry, notwithstanding the fact that I have an XXXX XXXX and another open credit card with active usage with them. 

It was like Citi was intentional about damaging my credit and did so in a way that was unprofessional and hidden, they never reached out to inform me of their actions. I never received a notification my account would be closed. I had not read my credit terms in YEARS ( because I'd had the card for so long ) that my account would be shut down for inactivity, and they did not provide me any warnings or letters that it would get shut down. 

I pushed to escalate and was finally advised that a more senior customer rep would call me back shortly. I asked that they call me between XXXX and XXXX AM because I would most likely be unable to take a call later in the day. I heard nothing for several days then on XX/XX/XXXX, I received a call back at XXXX, which I missed due to my work. I've given up with them, Citi is punishing me for literally no action, my card was shut down because I hadn't used it, and that directly hurts my credit. To re-open it is a hard inquiry, further damaging my credit. I am going to look for a new home soon and every basis point of interest matters in a mortgage, so Citi 's crude incompetence will probably cost me several XXXX dollars.

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 2022-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I reached out to XXXX XXXX XX/XX/2022, about the {$87.00} that is supposedly owed that i was unaware about for the longest. I told the agents that I had moved by the time that bill came around which the agent told me it was a XX/XX/XXXX bill, when i moved out of my apartment complex in XX/XX/XXXX. I also told the agent that when coming to the company, i had already told another agent that the contract should only be the length of my lease because i would be moving after that. They continued to still charge me although i was no longer in the apartment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX. Take off XXXX XXXX. I have credit freeze and never gave information. 
XXXX. XXXX XXXX has old information. I have XXXX balances on my accounts. 
XXXX. My credit history is XXXX XXXX XXXX and they say I have none. 
XXXX. XXXX says XXXX am late on payments in 2017. I was never late. I was in car accident and in hospital with tubes through my body. I called XXXX and told them I would make minimum payment and they took XXXX say it wasn't enough. That is a lie.I had agreement with them to pay XXXX $ a month until I got out of accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX. Take off XXXX XXXX. I have credit freeze and never gave information. 
XXXX. XXXX XXXX has old information. I have XXXX balances on my accounts. 
XXXX. My credit history is XXXX XXXX XXXX and they say I have none. 
XXXX. XXXX says XXXX am late on payments in 2017. I was never late. I was in car accident and in hospital with tubes through my body. I called XXXX and told them I would make minimum payment and they took XXXX say it wasn't enough. That is a lie.I had agreement with them to pay XXXX $ a month until I got out of accident.

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 2022-01-16 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: Residential Bancorp
State: IL

Complaint narrative:
I was talking with XXXX XXXX at Bancorp about a possible mortgage, she told me me she would not run my credit as I did not want it pulled yet. She did pull my report without my authorization. She said she thought that's what I wanted but made no effort to correct this mistake or give me a copy. I have all the emails if there is a place to forward them too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditoXXXX XXXX OpenedXX/XX/2021 ( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX  This is another account on my credit file that is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: PA

Complaint narrative:
I recently look at my credit report and seen numerous inaccurate and inconsistent accounts reporting to my credit report that i did not consent to. According to the fcra everything is suppose to report accurate and my accounts are not. I have been sending letters to the creditors and the credit bureaus since XX/XX/2021 up until today ive sent letttes certified mail as well and still have yet fixed my problem. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditor XXXX OpenedXX/XX/XXXX ( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX This is another account on my credit file that is fraudulent.

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 2022-01-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditor XXXX  OpenedXX/XX/XXXX( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX  This is another account on my credit file that is fraudulent.

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 2022-01-16 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: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
I mailed a letter through the USPS Certified Mail, to request my consumer file, a security freeze, and information deletion. The letter was delivered on XX/XX/2022 according to the tracking number. They are supposed to respond within five days indicating receipt of my letter. I have yet to receive : my consumer file, a letter confirming that a security freeze has been placed, or a letter confirming deletion of my information from their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: PA

Complaint narrative:
I recently look at my credit report and seen numerous inaccurate and inconsistent accounts reporting to my credit report that i did not consent to. According to the fcra everything is suppose to report accurate and my accounts are not. I have been sending letters to the creditors and the credit bureaus since XX/XX/2021 up until today ive sent letttes certified mail as well and still have yet fixed my problem. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.

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