vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
a ) The Morning of XXXX XX/XX/2021 Checked my account and noticed unauthorized charges XX/XX/2021 XXXX XXXX XXXX XXXX, {$9.00} XX/XX/2021 XXXX XXXX XXXX, {$380.00} XX/XX/2021 XXXX XXXX XXXX, {$53.00} b ) Immediately called chase, c ) Talked to chase they closed my account and sent me out a new card d ) the next day i noticed charges still on my account so i called again e ) they said charges will be removed soon f ) few days later charges are removed. 
g ) got my new card activated thought everything was fine. 


h ) XXXX XX/XX/2021 i received an email ( We posted a new notice or letter in your Chase XXXX app and at chase.com/statements. ) I ) Your account ending in XXXX Dear : ( My Name -- -- - ) Thank you for contacting us on XX/XX/2021 about an unauthorized transaction on this credit card account. We completed our review and would like to share the results of our investigation. 
You can see this in your balance now at chase.com and on one of your next two billing statements. 



You are responsible for the following transaction ( s ) Transaction Description Reason XX/XX/2021 XXXX XXXX XXXX XXXX  You received benefit from this transaction. 
XX/XX/2021 XXXX XXXX XXXX XXXX You received benefit from this transaction. 
XX/XX/2021 XXXX XXXX XXXX XXXX You received benefit from this transaction. 

j ) Charges were added back to my account stating i received benefit from this and transaction ( I DID NOT ) k ) called chase again and now i guess a re investigation said i will get a call l ) XX/XX/2021 received another email ( We posted a new notice or letter in your Chase Mobile app and at chase.com/statements. ) There was no new notice just the same notice from XX/XX/2021 m ) I did not receive any benefit from these transaction I do not know who, what, or where XXXX or XXXX is I assume XXXX is an Airline because Airway ( XXXX XXXX ) is in the name and XXXX is a flower shop because florist is in the name ( XXXX XXXX XXXX ) I do not understand how or why the credit card company that is suppose to protect me is not doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Klarna AB
State: MI

Complaint narrative:
Greetings : I am writing to issue a complaint against Klarna Inc. for its deceptive and bait-and-switch practices. I had issued a complaint with the XXXX, but they could not make a determination in my favor because Klarna did not provide me with anything in writing pertaining to my account, except for a statement which was not sent to me. On XX/XX/2021 I made an XXXX purchase ( from several XXXX shops ) totaling {$670.00}. Klarna offered me 12 months zero interest, as long as I kept up my payments. In XXXX, I was trying to navigate the Klarna app and my automatic bill pay was shut off, which I did NOT intend to happen, and this resulted in a late fee AND loss of my promotion. HOWEVER two supervisors have also written to me saying that the promotion was never added to my account because I didnt qualify, even though I was approved for a {$1000.00} credit limit through Klarna XXXX Klarna did NOT divulge anything about my not being eligible for the promotion. They also didnt divulge that my promotion was removed due to a late payment. 

So which one is the REAL story? I honestly dont know. But the point is, Klarna did NOT notify me when : A. I didnt qualify for the promotional offer of 12 months zero interest ( see attachment of the screenshot I took when I accepted the offer ). 
B. I LOST my promotion because I lost my auto pay, which resulted in a late payment/fee. 

NEITHER scenario is acceptable and as I said, I dont know what the truth is. I am disputing any and all interest and late charges associated with my Klarna account. I did not agree to the interest rate of 19.99 %, which was added to my account instead of the promotion I agreed to 12 months zero interest, and thats what I expect. My bill has been half paid off, and I owe Klarna {$370.00}, NOTHING MORE. This has been going on since XXXX, and I am livid about being deceived by Klarna XXXX Inc. Im not sure why they have an A+ rating on the XXXX website, because the complaints from customers against Klarna on the same website ( XXXX ) are EXTENSIVE, and average 1.4 out of 5 stars. This is unacceptable and I will fight this absolute injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 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: FIRST ADVANTAGE CORPORATION
State: NY

Complaint narrative:
C.L.U.E AKA XXXX XXXX is Reporting to XXXX and Insurance companies about my past Driving history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I am a first time home buyer and home mortgage, XX/XX/2021 I was working with XXXX lender for Home financing and I contacted rocket mortgage to check if they are giving me better option both in terms of interest rate and closing costs. XXXX XXXX from Rocket mortgage contacted me via phone and asked for all details including loan estimate copy from XXXX. I gave all details and XXXX gave me their loan estimate, rocket mortgage was offering same interest rate as 2.75 with around XXXX in other credits for my closing with loan origination charges as XXXX dollars and XXXX has only XXXX dollars as origination charges but does not offering any other credits. I have asked XXXX about those charges and he explained me, I got XXXX president approval for you to give XXXX other credits. With all discussion, I have said yes to rocket mortgage to move my application further because of XXXX main reasons, less mortgage insurance and less closing cost due to XXXX in credits. 
XX/XX/2021 when final closing got disclosed to me before 2 days of closing, other credit was not included and even I have asked repetitively all credits applied correctly. 
XX/XX/2021 I have asked them to check this and they are investigating this matter and initial discussion was not positive and XXXX is working on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company has called my job and has pretended that there is a court case against me. They call my phone 2 times a day. I dont have any debt with this company and their accusations are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
Eos cca took down the wrong bank account and or routing number for payments that I agreed to pay to XXXX XXXX. It was their mistake and when they said the payment didnt go through they reported it to the credit agency. They did not offer me the option to use a debit or credit card in the times they contacted me. They probably didnt want to pay the fees. As of XXXX21 XXXX XXXX is showing a zero 0 balance on this account yet they called me today and said I owe both payments. I understand that it can take up to 30 days for bank payments to clear. A payment was arranged for XXXX21 was my recollection. Eos cca called me again on XXXX-21. My bank XXXX show no returned checks to cca eos. The approximate amounts were {$310.00} each ie 2 payments on or about XXXX-21 and or XXXX21. This company also tried to get a higher settlement payment from me at first. It was only after they had the wrong account number and or routing number that they took down erroneously from me that they offered me a lower settlement amount. When the first payment didnt go through due to their error I disputed it with a credit bureau as the mistake was theirs not mine. Their repeated phone calls for their mistakes are harassment. XXXX XXXX  is showing the account paid off as of XXXX-21 and my bank shows no returned checks to eos cca.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased two refundable one way tickets from Chase XXXX Rewards program using my Chase Card for a flight from LAX to FLL on XXXX XXXX leaving XX/XX/XXXX. I paid using over XXXX in points plus {$150.00} via my Chase card.. On XX/XX/XXXX I tested positive for XXXX and changed the flight to leave on XXXX XXXX. I paid an additional {$510.00} using my Chase card due to the increase in price for the new date. Unfortunately on XXXX XXXX, I was ordered by the Health Department to postpone my trip to XXXX XXXX out of concern I might still be contagious. I called Chase XXXX Rewards  on that day and throughout that week to cancel and refund my points and the money I paid for both tickets. They have refused and asked me to pay 150 cancellation fee for the refundable ticket. I explained that it was refundable and therefore cancellation fee didn't apply because XXXX does not charge cancellation fee. They said the airline was charging this and it was out of their hands. When I called the airline they confirmed there is no fee to cancel the ticket and they cancelled the reservation for me without charging me. When I called Chase XXXX Rewards reps they still refused to issue my refund and said I needed to get it from XXXX even though I never paid XXXX XXXX any money directly. XXXX has also said they can not issue the refund since it was not paid directly to them. See attached screenshot with their letter to me. Chase XXXX Rewards  continues to refuse to credit my account the points and and monies I paid for the ticket. I would like help getting this credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid my XX/XX/XXXX mortgage online and they provided one confirmation response and then several days later I get a surprise they had double charged me. I called and was told that it was my fault for paying twice, which is not what happened. I was only paying XX/XX/XXXX and Not paying for XX/XX/XXXX yet! I called my bank and they said I'd have to wait for the second ach to fail and then request reversal as they could not do anything. Over the weekend my bank had removed the problem double payment and did not charge me. They sent me an email that the second payment overcharge was {$0.00}. I thought the issue was resolved. Today when I checked my bank they had a new ach from Suntrust/aka Truist. I called and spoke to several people who tried to explain my choices. I ask several times for the complaint department after Truist staff confirmed I had an outstanding complaint and after waiting a long time they said they were going to forward me to the appropriate person to handle this matter. It went directly to a person 's voicemail, which I left a detailed message that I plan on sending in my complaint to the SEC and XXXX  and others. 

Today Suntrust/Truist has once again tried to take funds out of my checking account via ACH. I will pay my XX/XX/XXXX mortgage payment in XXXX XXXX This is not an autopay issue it's a problem with Truist Bank XXXX This never happened with Suntrust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Was denied a credit limit increase denied access to funds that are already mine, account paid in full upon the opening of the account my account / credit card has an open end credit plan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged XXXX for a fraudulent charge and chase bank did not accept my dispute and charged me again for the fraudulent amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: NC

Complaint narrative:
have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or removed immediately my credit report. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX. XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Unverified 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 2021-12-23 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: TX

Complaint narrative:
According to federal law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit reporting agency is required to respond to all consumers complaints and requests within 30 days. 
If they do not respond within that timeframe, they must remove the disputed item. 
As or XX/XX/21, I have not yet gotten a response regarding the reinvestigation they claimed to have conducted regarding XXXX XXXX XXXX XXXX # XXXX. In my request, I clearly asked for a detailed description of the procedure used to determine the accuracy and completeness of the information gathered. 
According to the guidelines set forth by the federal government, this agency is in blatant violation of my rights as a consumer. And I am requesting legal action to remove this account from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation