vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. I paid for a membership with Experian to get my " credit score '' so I could prepare properly for applying for a mortgage. 

To my dismay, the score they give you when you pay them is an erroneous score that has no connection to reality. I have since learned that Auto dealerships, credit card companies and mortgage companies use different scores.

Experian gives you a " Score8 '' product that they peddle as accurate when NO mortgage companies use that score. 

In addition, once you realize this is a TOTAL scam product, YOU CAN NOT UNSUBSCRIBE from their relentless marketing emails. I called them on the phone repeatedly and no one would remove me from their email list. I requested to be removed via their chat, no results. 

This is tantamount to an abusive telemarketer calling you repeatedly when you are on the do not call list. This company should be fined MILLIONS for the harassment of the American people like me.

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 monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
Credence Resource manage bought my debt from XXXX XXXX XXXX XXXX XXXX who already acknowledged it was not valid with XXXX, these people doesn't do their job toward verifying debts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I bought tickets to XXXX XXXX concert on XXXX for XX/XX/XXXX. They literally rescheduled the concert the day before. Now it is going to take place until XX/XX/XXXX. I will not be living in XXXX XXXX by then. 

I sent a message to XXXX to get my refund and they simply stated the event organizer was not authorizing refunds. 

I disputed it with my bank, Navy Federal Credit Union and they too denied it because no refunds at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: OH

Complaint narrative:
Klarna is a buy now pay later service. I purchased something from XXXX and we agreed Id pay them {$60.00} a month for 6 months, and theyd earned 24 % interest. 

I returned an item, and the balance was adjusted, but they still want the full 1/6 payment. This means that the purchase will be paid IN FULL IN 3 payments. 

Klarna advertises that its XXXX interest if you pay in 3 payments. 

They are refusing to remove the finance charge and they are refusing to adjust each monthly payment to spread it out over 6 payments as agreed. 

Purchase was for {$360.00} or so, returned a an item, which brought the purchase down to XXXX. 

Klarna customer service said they would spread the payments out, lower each one, over 6 payments, 3 times via customer service chat. 

That hasnt happened, and even when escalated, no one at Klarna responded, they wants me to pay in full in 3 payments. My next payment is {$60.00}, way more than 1/6th of the purchase. 

If Klarna wants me to accelerate payment, I should not be charged interest. If Klarna can spread it out over 6 payments as agreed, I have no problem paying interest if they dont accelerate final repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Kingston Data & Credit International Inc.
State: CA

Complaint narrative:
Theres a gym called XXXX XXXX they tricked into a membership to sign up for a promotion they had for {$1.00} a month and then turned around and said I owe them around {$2000.00} dollars! Now they have sent my account over to a collection agency named Kingston collection Ive tried to dispute this with both the gym after they never canceled my membership after the first month of me requesting to cancel it they also told me if I didnt work out there after that month it would be automatically terminated! I would like this matter to be properly resolved and Kingston collection to take me out there database!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. Please provide verification of your companys HIPAA authorization and proof that you have not abrogated my rights under the HIPAA Privacy Rule. Pending my receipt of proper documentation and in accordance with federal statutes, cease and desist reporting to the credit bureaus. 
XXXX XXXX XXXX ( XXXX : XXXX XXXX  XXXX  ) XXXX Opened XX/XX/2021 Balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: IL

Complaint narrative:
hi XX/XX/XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer XXXX now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: IL

Complaint narrative:
hi XX/XX/XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XX/XX/XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XX/XX/XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XX/XX/XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-11-17 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: OK

Complaint narrative:
Experian took over 30 days, and the original creditor and the collection agency did not respond to my certified letter, submitting additional documents. See attachment.

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 2021-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This companies has violated FCRA XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This companies has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

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 2021-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: TX

Complaint narrative:
I XXXX XXXX did not sign any contract with XXXX XXXX XXXX and this is fraud. I am the affiant and consumer and I know the this is an alleged debt pursuant to 18 U.S. Code 8 - All debts obligations of the U.S. and its corporations, and the instrument with my signature was the payment for the alleged debt. 

Notice that it is a fact that the affiant has reason to think and does believe that XXXX XXXX XXXX XXXX is a debt collector as defined in 15 U.S.Code 1692a ( 6 ), which includes any creditor who, in the course of collecting his own debts, uses any name other than his own, as shown in Exhibit ( A ), which would indicate that a third party is collecting or attempting to collect such debts by buying, selling, or moving products, services, or money across state borders, or by using interstate commerce or the mails in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, or who regularly collects or attempts to collect debts owed or due or asserted. 
Notice, it is a fact, that, I, XXXX XXXX XXXX  XXXX XXXX am aware that XXXX XXXX XXXX XXXX is a debt collector by the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce, such as the mails, in any business which the principal purpose is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. See Exhibit ( A ) Notice that I, as agent for principal XXXX XXXX, am aware that XXXX XXXX XXXX XXXX is a " debt collector '' as defined by the law. A debt collector is defined as anyone who uses an interstate commerce instrument, such as the mails, in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, according to 15 U.S.Code 1692 ( a ) ( 6 ). Check out the exhibit ( A ) It is a truth, and the affiant is aware of it, that you can not practice law and collect a debt at the same time without being a debt collector. This is a breach of 15 USC 1692e ( XXXX ), and I, the affiant, do not wish to talk with this third party because they were not involved in the initial transaction, and I do not consent to this third party being involved in my affairs. This third party 's testimony or representation would and will be regarded hearsay.

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 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX bought my debt from RECEIVABLES PERFORMANCE MANAGEMENT , LLC who already acknowledged it was not valid with XXXX, these people doesn't do their job toward verifying debts!

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 2021-11-17 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: CO

Complaint narrative:
XXXX XXXX system did not correctly update or accept the correct reporting from XXXX a XXXX XXXX. XXXX is INCORRECTLY stating that i was late with my credeit card payment in XXXX and XXXX of 2021. I called XXXX  a XXXX XXXX, and it was confirmed through staff there that I did NOT, indeed, miss a payment. There had been a mistake with XXXX. My credit report with both Equifax and XXXX is XXXX points higher. This is a problem with Equifax. I am demanding that my information as well as my score be updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I have tried on multiple occasions to have my Zelle Account XXXX deleted. The first time I called was XX/XX/21 and requested my account profile be deleted. I was told it was deleted only to find out it was not deleted but was inactivated instead which allowed the information to remain in their database and the account to be reactivated. I called again to follow up XX/XX/21 and was told it would take 45 days to complete my request and they would deactivate my account. 

I am writing this complaint because Zelle is telling me they can not validate my account due to the address on file not matching what I provided them when the account was initially set up. I dont see how that could be a possibility when I set the account up and clearly know my own address. 

Im frustrated because I have read that using Zelle and other applications like it leaves a person vulnerable to potential fraud if the account was hacked. I am trying to get ahead of any possible issues relating to that happening to me especially since my credit union and or bank would not restore any funds that were stolen. 

Please advice and compel Zelle to DELETE my account from their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
THE COMPANY, CONVERGENT OUTSOURCING, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. Whereas I believe them to be a debt buyer, Convergent outsourcing, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a 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 explanation
Consumer complaint received 2021-11-17 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This companies has violated FCRA XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This companies has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: CA

Complaint narrative:
I sent a dispute letter to Equifax via certified mail regarding accounts that do not belong to me and unauthorized credit inquires. I received a response stating the information I disputed is not in my credit file. I was in complete shock as I looked at my credit report and every item is in fact listed and reporting. So they did not investigate the matter at all. I called today XX/XX/2021 regarding the items and was told they can not help me. I proceeded to ask for a supervisor and spoke with XXXX who said she could not do anything without the documentation. I explained they have the documentation, ad was placed on an extended hold. She then advised one of the unauthorized inquires could be removed and that is all she could do. I advised her I was filing a complaint against them as they are violating the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action

Company response to consumer: Closed with explanation