vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Klarna AB
State: VA

Complaint narrative:
I originally visited the XXXX XXXX website to purchase plane tickets via XXXX XXXX. We paid for this purchase using your platform, Klarna. Unfortunately, my XXXX passed away suddenly, so we had to cancel our travel plan to start the process of planning for a funeral. I sent an email request to XXXX XXXX on XX/XX/2022, to cancel and refund. We were advised by XXXX XXXX that we could use the airline credit at a future time to book other tickets. We contacted XXXX XXXX to utilize the credit and were advised we can not use it, as XXXX XXXX purchased the ticket utilizing foreign currency ( not USD ) and the representative advised XXXX XXXX never submitted the Cancellation Request before the flight, so I could not use the credit as it was voided. 

XXXX XXXX advised since XXXX XXXX did not cancel my flight and did not pay in USD, I could not and would not have been able to use the credit in the future. I have sent multiple emails to XXXX XXXX with no response. I have been emailing for 2 months. I tried calling their customer service number XXXX directly but their automated message says " our phone lines are closed '' and hangs up. 

I opened several disputes with Klarna who refused to have XXXX XXXX reimburse me, and kept asking me to reach out, stating " they responded to them quickly ''. Of course they responded to you quickly, you're their XXXX party vendor. I have made several attempts over the months to get refunded. XXXX XXXX has refused to respond to any of my emails, their phone lines do not work, Klarna is refusing to reimburse me. I have sent Klarna emails from Department of Transportation, confirmation email from XXXX XXXX stating XXXX XXXX did not follow protocol so there's no flight to be used for a future flight, my cancellation email conversation with Klarna ( the only time they every responded - once I told them I couldn't use the flight credit like they said I could, radio silence ). It has been 7 months, no flight has ever been taken - AA said I have no flight credit ( still ), Klarna is refusing to make XXXX XXXX reimburse me ( even after all the evidence I have provided ), and I found account today XXXX things ; ( XXXX ) they attempted to debit my bank account twice while my account as in the dispute status ( even though I was told by their agent that payments were paused ), which caused XXXX overdraft fees ( XXXX ) they also illegally sent my account to collections while it was in the dispute review process, without prior notice. 

I am filing a complaint with XXXX, CFPB and my local state authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: IL

Complaint narrative:
After 3 attempts since XX/XX/2022, This company hasn't responded to me nor fixed the lies they put on my credit report. The courts told me they dont share any information with this company nor do any business with this company so no bankruptcy and all these other lies should not be on my credit report. This is deflamation of my character. I have been turned down by other companies because of these lies on my credit report. 

Delete all these lies off my credit report.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-05 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: TX

Complaint narrative:
I reached out to Experian multiple times over the phone and by certified mail since XX/XX/2022 to request removal of names and address on my credit file that is not mine. Ive provided proof of identity and address by certified mail multiple times and they have not corrected the errors.

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 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
I never open this account, and this is fraud to open in my name, please remove 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 2023-01-05 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was billed while being on a fix income and XXXX on XXXX XXXX and XXXX XXXX for XXXX dollars from XXXX XXXX XXXXIt 's been on going since XXXX XXXX account # XXXX would like it to be remove from my cridet report under section. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of infromation .Any other adverse item of informtion other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681- @ ( A ) ( 1 ) A person shall not furnish any informtion relating to cusumer to any comsumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Last month I expected, incorrectly, that the Social Security payments my wife and I receive would be increasing. In fact the increase happens this month. As a direct result my XX/XX/2022 payment was returned for non-sufficient funds. This much was obviously my mistake. Historically however XXXX has re-cleared any check returned NSF without any comment. This time I received an email telling me that the check was returned and that it would be re-submitted on the XXXX. The email also stated that if the check was returned again no further submissions would take place. Since I have already received my XXXX 1098 and since it appears the payment will be returned again I first emailed them, twice, asking them to submit the payment one last time as my wife receives her social security payment on the XXXX XXXX of each month ( mine comes on the XXXX XXXX  ). When no response was received I decided to call them today. I spent over 27 minutes on the phone only to be told the same mindless rubric over and over that they could not submit the payment again because it was against their policy. Accordingly I asked for whoever worked there that could make a policy exception. I even explained to both XXXX and whatever " Team Lead '' he transferred me to that in my XXXX years in banking making policy exceptions was literally part of my job. First as an XXXX XXXX and later as a XXXX XXXXXXXX at multiple banks. 

Both XXXX, and the Team Lead, insisted that NO ONE at Rocket Mortgage had the authority to make a policy exception. They went so far as to refuse to transfer me to anyone in the executive offices based on a fabricated explanation that I would only be referred back to them just to hear the message again that they couldn't make an exception to policy even though neither one of them understood why the the policy existed. Since that was the ONLY reason I called and given my experience in the financial services industry during which one of my primary jobs was to decide whether or not to make a POLICY EXCEPTION it is simply impossible for me to believe that no individual at the company could make a policy exception. I I have no idea what they think the purpose of customer service is but in my world it's about doing everything one reasonably can to make customers happy. I've certainly had to say no to customers however I NEVER said no by regurgitating the term " that's not our policy. '' I would actually explain WHY our policy said what it said and, if appropriate, I would and did ( many times ) make exceptions. Since I can not believe no one at the company can make an exception I am asking that you document this communication as part of your regulatory process and contact me if you have any quesstions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX  for {$4000.00} to {$5500.00} to purchase a XXXX XXXX. The starting price on that vehicle is {$60000.00}. However, that is not disclosed until you are present at the dealership. That vehicle was out of my range. 
Since I was there and pre-approved. I selected another vehicle, XXXX XXXX XXXX XXXX, {$30000.00} was within the pre-approval range. The business manager ran a credit report irrelevant of the pre-approval. Then, I was allowed to take the vehicle for a test-drive. I drove the vehicle to my residence XXXX miles from the dealership. There I transferred monies to my account for the down payment. Prior to my return, I received a call from the salesman inquiring, 'Is everything alright '? I told him, where I was and what I was doing. I'm not sure of the time lapse because the salesman told me to take my time. I wasn't aware of the time restraint. There was XXXX miles on the vehicle for a test drive. Upon my return, I had a credit and debit card for the down-payment, they would not accept the debit card and I went to the credit union for cash. When, I returned the business manager had everything prepared for signatures the credit options weren't disclosed or addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
They email my ex wife to try to get to me they should have no contact with her the Debt company is LVNV They bought it from XXXX XXXX  compabout 12 years ago the amount is for {$410.00} they should not contact her to get to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express was notified to cancel the card and refund membership fee of {$690.00}, subsequently I elected to cancel card and representative said I had 60 days to seek refund. A new representative said the policy is now 30-days. This card is not in use and American Express has refused to give me a refund for the membership fee. American express is essentially charging for an annual membership fee which I have cancelled and not used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties FIFTH THIRD BANK, NA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Opened : XXXX XXXXXXXX XXXX Amount : XXXX 


FIFTH THIRD BANK, NA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX Opened : XXXX XXXXXXXX XXXX Amount : {$54000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Carrington Mortgage is stating that I missed a payment for XXXX for my mortgage. I did pay that payment for XXXX on XX/XX/2022 in the amount of {$2400.00}. They sent me a confirmation of payment and I did not receive any information that the payment was rejected and was not contacted to make the payment again so I thought everything was good and my payment was fully complete. During the XXXX month, I contracted XXXX and did not have a chance to check the app at the time. When I was feeling better, I went and checked and it said that I missed a payment. Not sure how that was possible, so I contacted them and they told me I missed the payment even though I had the confirmation in their own app which stated that I paid. During the call, the Carrington representative removed the late penalty and I made the account current by paying 2 months of mortgage payments. The late payment on my credit report should be removed because it is incorrect and I was not made aware of the rejection of payment at the time Carrington Mortgage is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: CA

Complaint narrative:
I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXXXXXX 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 2023-01-05 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-05 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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