vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: NJ

Complaint narrative:
On XX/XX/2021, I uploaded a Klarna in store card for XXXX ( store location : XXXX, NJ XXXX ) to my XXXX Wallet. The store clerk rung up my clothes in the amount of {$130.00}. However, she stated that the Klarna App doesnt work in store yet, and said the transaction didnt go through. I was XXXX, nevertheless, showed the transaction went through on my end but she refused to bag my clothes. I left the clothes at the counter and walked out empty handed. I waited to see if I would receive a refund, but instead Klarna has been taking payments. I called Klarna, emailed them too. Ive been told that this would be resolved but I still havent received my money back and I have an outstanding balance on a purchase that was never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Got a loan with loanme.com in XX/XX/2019 for the amount of {$3100.00} dollar term length of 47 months. Payments of XXXX dollars and I had made 22 payments which is north of {$7500.00}. I now have a charge off of {$2900.00} which is now north of XXXX for a {$3100.00} loan. Each payment for {$350.00} paid $ XXXX dollars to principle and rest to predatory interest rate. Loanme is located in California which is reside. They are far past the legal limit of XXXX usury laws and its unacceptable I paid that much interest for a loan it was predatory and I wasnt made aware of such a steep interest rate. I should be reimbursed for what I over paid as well as the negatives removed from my consumer report under 15 usc 1581a. Section 1 & 2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I currently have 3 pending complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the accounts are to be deleted off my credit report while the investigation is in progress. Please ensure Transunion XXXX XXXX remove the following accounts off my credit report until the investigation is complete. 

Complaint ID XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
XXXX calls on behalf of American Express and I have told them in the past to call my attorney that I am filing bankruptcy with, they just called again today XX/XX/2022 @ XXXX am MST

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GLOBAL SOLUTION BIZ LLC.
State: GA

Complaint narrative:
They are trying to collect on behalf of another company. They called my office and gave them all my personal information to an employeee which is against the law. We advised to cease and desist. I asked to not call my place of employment and they continue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I applied for a mortgage with Navy federal credit union, and I was denied because of a student loan that is 50,000 dollars. I have friends and family who were approved, and they have student loans on their credit. I think because my name shows as XXXX on my application, I was denied credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Alorica Inc.
State: VA

Complaint narrative:
I took out a loan with XXXX XXXX XXXX. The company closed and I was informed that SST ( System Services Technologies , Inc ) would be taking over the account. I have this account set up on auto draft that XXXX said to keep in place and that all things would be transferred and set up. I kept all things as agreed by XXXX. In XX/XX/2019 SST continuously tried to take money out of my personal checking without my authorization. Tried calling to get a answer and they did not know but said they did receive my allotment. They then started charging my account XXXX late fee which I never signed for a loan with them and in my old contract there is not a late fee of XXXX. This fee then made my account looking like it was pass due and they are reporting me and being 30 days late. I have made extra payments and my allotment is set up for XXXX which my payment by contract with XXXX is XXXX. I have called this company every month requesting a statement of the applied payments and that to remove late fees since its not in my contract. They tell me to look online and I have told them I want a physical statement sent my house. We never received a physical statement. We paid this loan off. This company is breaking many lending laws and practice is very shady. I want the late payments removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NH

Complaint narrative:
This company increased my monthly payments by more than double by adding an escrow without my consent. When I reached out to them by mail on XXXX XX/XX/XXXX as to how such a mistake could have happened, they sent me a letter dated XXXX XXXX that says that they do not see a mistake an explained that they had paid a property tax bill on my behalf, again without my consent or knowledge. That letter also says that the payments I have made, which include the XXXX XXXX XXXX I have been paying since the inception of this loan in XXXX, but not the escrow add-on, are being held in " suspense, '' which I take to mean they are accepting the payments but just holding the money instead of applying it to my loan balance. The same day ( XXXX XXXX ) I received this letter, I also received another letter from them dated XXXX XXXX that threatens me with foreclosure unless I pay them a large sum of money XXXX days from that XX/XX/XXXX date. If they do not receive that payment by XXXX XXXX ( which at this point is basically impossible even if I thought it was a valid thing to do ), the letter says they " may '' commence foreclosure. 

In response to their XXXX XXXX letter, I also sent them another letter on XXXX XXXX disputing their determination that there was not an error in increasing my payments. I explained to them that the tax payments they say they made on my behalf were not correct, and provided them with documentation showing that I paid my property taxes in full and on time during the interval in question. ( This documentation was also provided to the tax collector on XXXX XXXX. ) I have not received a response to this letter yet. 

I also sent the loan servicing company another letter on XXXX XXXX to reiterate that i am disputing the amount they say I owe and asking for the contact information of the actual mortgage holder. I sent this additional letter because there seem to be XXXX XXXX  XXXX boxes involved and I wanted to be sure that both parts of this company understand that I am disputing their claims.

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 2022-03-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I Have contacted Equifax and all creditors about reporting inaccurate information on my credit profiles and all parties have failed to comply. 
All of the accounts listed below should be reporting XXXX $ and these accounts are affecting my credit scores and is preventing me from applying for new credit. 

1. XXXX acct # XXXX reporting {$6600.00} should be XXXX {$2.00}. XXXX  XXXX XXXX XXXX Acct number XXXX reporting {$1500.00} should be reporting {$0.00} 3.XXXX XXXX acct num XXXX balance reporting {$3200.00} should be {$0.00} 4. XXXX Acct # XXXX reporting {$3400.00} should be reporting {$0.00} 5. XXXX XXXX Acct num XXXX reporting {$15000.00} should be {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I checked my credit score on XXXX and it was much lower than my XXXX score because they say I have an account with high usage. However, the reported account is a Bank of America Credit Card which I do not have. I have no knowledge fo this account and never opened it. As of XX/XX/XXXX, the balance of this account is {$16000.00} with a limit of {$25000.00}. According to XXXX, the account was opened in XX/XX/XXXX, however, this is NOT my account. I never opened a Bank of America Credit Card. I filed a dispute on XX/XX/XXXX, but XXXX claims the account is in my name.

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 2022-03-17 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: NY

Complaint narrative:
n accordance with the fair credit reporting act XXXX XXXX Account # XXXX XXXX  XXXX account # XXXX XXXXt account # XXXX 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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX accordance with the fair credit reporting act XXXX XXXX Account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  Account # XXXX XXXX5 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 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: SC

Complaint narrative:
We have a conventional mortgage through Homeside Financial LLC, serviced through XXXX XXXX. This will be our second year in our home and in early XXXX we received our Real estate tax paid receipt, which showed a paid amount of {$2400.00}. We also received our end of the year escrow analysis stating that our monthly mortgage payment would remain the same at {$1800.00}. All of that looked good. Until we received our XXXX mortgage bill and noticed that our Escrow account was in the negative by over {$10000.00}. When we called the county tax office, they stated that the taxes on our house were paid in full and that we would need to contact our mortgage provider for further details. We called them right away ( early XXXX ) and tried to get answers in regards to what happened and how we could get this resolved. I logged into our online account to find that there were 4 additional county tax payments made from our escrow account on properties that we do not own and do not have any relation to. The amounts are as follows .... 

* {$6900.00} * {$2500.00} * {$1600.00} * {$100.00} We have been in contact almost everyday since early XXXX trying to get this taken care of and they keep " opening tickets '' to have this investigated but every time we call for an update, the completion date gets pushed farther and farther back with no answers. At the end of XXXX we received a " new '' Escrow analysis stating that we are short {$12000.00} and that our mortgage payment will be increasing to {$3900.00} on XX/XX/XXXX. Over double what we should be paying! We have done everything in our power since the beginning of XXXX to get this fixed before that higher payment would take effect but we still have no results. Every time we call for an update, we are only able to speak with their customer service department who reads the notes on the account, we are never able to speak with the same person. And as of this morning, XX/XX/22, we called for an update and find out that they are selling our mortgage and that we will have to pay the higher payment and wait for a refund as everything will be transferred to the new company. Completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: DISCOVER BANK
State: LA

Complaint narrative:
I Have contacted XXXX and all creditors about reporting inaccurate information on my credit profiles and all parties have failed to comply. 
All of the accounts listed below should be reporting XXXX $ and these accounts are affecting my credit scores and is preventing me from applying for new credit. 

1. Discover acct # XXXX reporting {$6600.00} should be XXXX {$2.00}. Louisiana XXXX XXXX XXXX Acct number XXXX reporting {$1500.00} should be reporting {$0.00} 3.XXXX XXXX acct num XXXX balance reporting {$3200.00} should be {$0.00} 4. XXXX Acct # XXXX reporting {$3400.00} should be reporting {$0.00} 5. XXXX XXXX Acct num XXXX reporting {$15000.00} should be {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 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: FREEDOM FINANCIAL NETWORK
State: LA

Complaint narrative:
I Have contacted XXXX and all creditors about reporting inaccurate information on my credit profiles and all parties have failed to comply. 
All of the accounts listed below should be reporting XXXX $ and these accounts are affecting my credit scores and is preventing me from applying for new credit. 

1. XXXX acct # XXXX reporting {$6600.00} should be XXXX {$2.00}. Louisiana XXXX XXXX XXXX Acct number XXXX reporting {$1500.00} should be reporting {$0.00} 3.XXXX XXXX acct num XXXX balance reporting {$3200.00} should be {$0.00} 4. XXXX Acct # XXXX reporting {$3400.00} should be reporting {$0.00} 5. Freedom Plus Acct num XXXX reporting {$15000.00} should be {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Start Connecting dba USA Student Debt Relief
State: OH

Complaint narrative:
I contacted USA student loans asking with help to get an accurate and genuine application, for getting my student loans forgiven. They lied and consolidated the loans and asked for {$100.00}. Turns out their fraudulent and is not a real company. They leaked my SSN number on the dark web. I obtained this information through checking my credit score through XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There was a purchase made for {$1300.00} from my XXXX checking account that was fraudulent and the bank is refusing to refund the monies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17 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: MD

Complaint narrative:
In 2019 I went on vacation and was solicited by a resort promoter with free gifts and a vacation membership. I declined the offers and did not sign up. Later, the resort staff gave me some free vacation information and packet. I went home and opened it up to find a vacation membership. I was scammed by this company when they said it was free travel. They used my booking information to execute the transaction. I have called the company and disputed it directly. The original sales person doesn't work there anymore and no one is helping me. I have never used this account. I never wanted it, nor did I sign up for it. This company opened a fraudulent account and had billed me threatening to destroy my credit and foreclose on me. They have threatened to sue me. I am being defrauded and these people need to be prosecuted. This is fraud and it is not fair they are allowed to harass me. I am sure I am not the only person scammed by there people.

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 2022-03-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I currently have 3 pending complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the accounts are to be deleted off my credit report while the investigation is in progress. Please ensure XXXX XXXX Equifax remove the following accounts off my credit report until the investigation is complete. 

Complaint ID XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: NY

Complaint narrative:
I currently have 3 pending complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the accounts are to be deleted off my credit report while the investigation is in progress. Please ensure XXXX Experian XXXX remove the following accounts off my credit report until the investigation is complete. 

Complaint ID XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX {$39.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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