vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Klarna AB
State: IL

Complaint narrative:
I purchased two items using Klarna, I was unhappy with both items as they were not as described, however unused. I was told by Klarna and the seller I would be responsible for shipping costs. Upon shipment, I took videos of me shipping the item after hearing multiple stories of poor Klarna experiences. I wanted to ensure I received my refund. I shipped these items in early XXXX, waiting for the seller to receive them. They unfortunately got lost in the mail and the items have not updated through tracking for over a month and a half. Tracking number : XXXX. I explained this to both the seller and Klarna and after two months still have not fully refunded me. I explained to Klarna that the seller blocked my email and stopped responding to my messages, despite this they said there was nothing they could do and eventually if the seller did not send a refund I would have to continue paying. Klarna was aware that I returned the items using my personal funds and followed all instructions they gave and still refused to refund me. In addition, Klarna has poor customer service. All communication regarding these matters have been initiated by me. Klarna has done nothing to contact the seller despite the general understanding that the seller is a scammer and has blocked all communication with me, the customer. Deeply disappointed, however I can happily say I will no longer be working with them. Klarna also states they do not do hard credit checks, yet Klarna only negatively effects your credit. They lie, and do do credit checks and especially prey on youth with little to no knowledge regarding credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: NH

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and several years ago I entered a debt management agreement with XXXX XXXX XXXX to settle several accounts with Santander Bank, N.A. I made all the payments and I received my graduation packet from XXXX XXXX XXXX, XXXX, about a month ago I entered a Santander Bank with all of my paperwork to inquire about one of the settled accounts and I allowed them to make copies of my paperwork. I have not had any contact with this bank for at least a year. About two weeks after this I receieved an email telling me that my minimum payment was due. I have called repeatedly and faxed them proof that this account was settled by them and that they had taken payment as agreed in the settlement offer. The Law office that handllfed this for me has also sent them all the paperwork proving that the account in question has been settled. The Law office refuses to do anything further actions on my behalf. I have the physical paperwork showing the accounts were settled and I have all my emails showing that I made all of my program payments. I even have the emails showing that I did in fact send the account in question to the Law Firm to be settled. The have asked me if I wanted to set up a payment plan and I have declined. I have the fax proving that I sent them proof of the account in question being settled. In fact what they have done is pretend that the account was never settled and have added all the interest since it was legally settled too. I am a XXXX XXXX  XXXX veteran who has been dealing with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I am only about three weeks recovering from XXXX  for this issue. I hav.e all the proof that the account has been settled and the Law office has already mailed they the proof several times. I hope your office can help me. I will be happy to give your office and records and proof if you require. 
Yours Very Respectfully, XXXX XXXX XXXX ( XXXX ) 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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : XXXX XXXX XXXXXXXX account opened in XX/XX/XXXX The account status is reporting as XXXX XXXX XXXX XXXX. This account was settled for {$5000.00} CASH on XX/XX/XXXX and there have no late payments since XX/XX/XXXX. In both XX/XX/XXXX and XX/XX/XXXX I have made multiple written requests for a copy of the finance contract and the payment history that proves the account status that is being reported and they have failed to provide any evidence as such. I have attached a copy of my Drivers License, a current utility bill and the bank statement that proves this account was PAID in XX/XX/XXXX and the status should reflect as a PAID account according to the evidence I have provided. If you are unable to gather any other evidence to the contrary of my claim ; then you must update the payment status or delete the account in it's entirety.

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 2022-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: ID

Complaint narrative:
I didn't have insurance at the time. and I was told that when I applied for XXXX that it would back pay for the time I went to the doctor and didn't have XXXX, now I'm getting billed for it. Let me know what I can do or who I need to talk to, to resolve this. Thank you in advance.

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 2022-11-15 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX Wells Fargo called to say there was a suspicious charge on a business account. The charge was not mine. They replaced the card. 
XX/XX/XXXX I received an email stating suspicious transaction on my account. I called the number in the email and was phished for info that resulted in an online wire transfer for XXXX, a combination of XXXX from WF credit card and XXXX from a checking account. 

Wells Fargo denied the fraud claim no reasons given. While on the phone reporting the fraud the representative explained to me how this happened and requested the email I received. I sent the email to the address she gave me. At the time it seemed like WF knew this was fraud and were there to help but the letter sent denied the claim and said there was no fraud found. I have several first names from WF fraud dept but no last names as they will not give them. Ironically I have the first and last name of the person who I thought was WF but was actually the person committing the fraud. 

I am out XXXX and I do not have the money to pay it back and XXXX was mime for my mortgage payment. 

I have claim numbers and account numbers. The Credit Card has been terminated and a new card has been issued and the XXXX has been transferred to the new card by Wells Fargo.

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 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
on XXXX revived a letter by mail where they inform me that I'm behind on my mortgage. I call and after 5 hours of waiting I showed them that they were wrong in XXXX XXXX XXXX my payment was XXXX. 
on XXXX we send payment and to the end of same month we send payment for XXXX the PHH company when they receive the payment and find out was short XXXX they decide to apply my payment to my principal with out authorization of of me or my wife. no call no email from PHH Mortgage and now they want late fees they report to the credit company 's. I spoke with the scalation team name XXXX employee # XXXX they told me they going to try to fixed. and after got another letter on XXXX where the try to charge me another XXXX for escrow same thing call and to today no respond from them. 
the problem with the company all the call go to XXXX over there no idea how or who can fixed. 
My NamXXXX XXXX XXXX XXXX # XXXX. I need help they need to they need to return the charges and fix my credit

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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I been a victim of Identity Theft! 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are unauthorized businesses on 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 explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: West Realm Shires Services Inc.
State: CA

Complaint narrative:
I initiated with a withdrawal with FTXUS to transfer USD from XXXX  on XX/XX/2022. They debited the account but never sent the money and did not provide an ACH id.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX  XXXX Acct XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX XXXX Acct 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 2022-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
Account was added to my XXXX report as a collection. Do not have a XXXX and have never taken out an auto loan out with this company. This does not belong to me. 

When calling agency to remove, they stated all information does not match my information with the exception of them using my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Account was added to my XXXX report as a collection. Do not have a XXXX and have never taken out an auto loan out with this company. This does not belong to me. 

When calling agency to remove, they stated all information does not match my information with the exception of them using my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I DID NOT AUTHORIZE THIS AND DO NOT HAVE CONTRACT WITH WITH THE COMPANY LISTED BEOW. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION THAT I ASK FOR. 

SANTANDER CONSUMER USA Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DELETE/REMOVE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BANK OF AMERICA facilitated the financing of my XXXX XXXX vehicle in XX/XX/2022, and now continues to violate my federally protected consumer rights. 

They have not delivered the lien free title to me, the rightful owner, and original creditor. 

I have rescinded the transaction via XXXX XXXX. XXXX, to no response from the company. 

They, along with the help of the consumer reporting agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non repayment thereof. This is a violation of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. 

I have demanded they cease communication with me with regards to this debt, per XXXX XXXX XXXX ( c ), and they continue to make harassing phone calls and threatening statements. 

I have demanded they validate the alleged debt, pursuant to XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXXXXXX, to which they have failed to do so. 

I am reaching out to your company to hold this company accountable and to uphold my federally protected consumer rights. 

Please see the attached letters for reference. 

Thank you for your time and attention to this matter.

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 2022-11-15 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I was approved for the Barclays Wyndham Rewards XXXX XXXX credit card on XX/XX/2022. At the time of approval there was a welcome offer for XXXX bonus points after spending {$2000.00} in the first 90 days. I met the minimum spend requirement on XX/XX/2022. I confirmed with Barclays via Secure Message that I met the minimum spend requirement on XX/XX/2022. They stated that " the bonus will be reflected on the billing statement after you have qualified to earn the bonus. '' My statement closed on XX/XX/2022 and my bonus points were not there. I followed up again with Barclays via Secure Message on XX/XX/2022 and they said " the XXXX bonus points will be earned 6-8 weeks after XX/XX/2022. '' I called Barclays customer service on XX/XX/2022 and spoke with a supervisor and they said they have done everything they can on their end and now it is Wyndham 's responsibility to add the points. I called Wyndham Rewards today and they are saying it is Barclays responsibility.

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 2022-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I was granted forbearance by Freedom Mortgage in accordance with the XXXX XXXX during the pandemic. I was an essential worker at the time. Coming out of the forbearance, I agreed to a loan modification. I submitted the appropriate paperwork to Freedom Mortgage on XX/XX/XXXX of 2022. I called frequently to ensure I had submitted the proper paperwork to them and was assured that I did. Many months later, I was asked to re-submit my loan modification paperwork. I complied and submitted my paperwork a second time on XX/XX/XXXX of 2022. I again called Freedom Mortgage frequently to ensure I had submitted the proper loan modification paperwork. I was again assured that I did. To my surprise in XXXX, I called my payment into Freedom Mortgage as online payment was not an option. The customer care representative stated that my mortgage had moved into pre-foreclosure. I have never missed a payment to Freedom Mortgage. I've maintained my mortgage in accordance with the stipulations outlined by my forbearance and loan modification option and was being told my mortgage was in the preliminary phases of being foreclosed upon. I submitted loan modification paperwork for a third time on XX/XX/XXXX of 2022. I have called multiple times since then and have been told of errors in the paperwork despite following the previous customer care individual 's instructions perfectly. At this point, the mechanisms intended to provide help to veterans that are their customers is broken. Freedom Mortgage gives the appearance of intentionally allusive requirements and insufficient communication to customers if there are follow-up items needed. It is now 10 months later, and Freedom Mortgage has failed to act. Interest rates are now at a peak from XXXX at the time of first application to XXXX now. A 100 % XXXX veteran, I will lose thousands of dollars that I would not have had to pay in principal and interest had Freedom Mortgage followed through in a reasonable manner to protect their customer, me, against the negative impacts of a global pandemic and while functioning as an essential worker during that time.

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 2022-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a car loan with XXXX XXXX XXXX where I pay the vehicle valued {$15000.00} since XXXX to present, a total of 104 payments of {$220.00} bi- weekly my last scheduled payment with XXXX XXXX XXXX will be XXXX XXXX XXXX 
Amount owed XXXX is {$3500.00} approximately. 

XX/XX/2022 I called trans union to make a dispute on a inaccurate balanced reported on my credit by XXXX XXXX XXXX, Trans union made a request to clarify this dispute and no answer from XXXX XXXX XXXX was provided on the time frame of XXXX within request, the credit bureau cleared the account history from my credit report file due to such events it decreased my score by XXXX points approximately, I reached out to XXXX XXXX XXXX multiple times to incorrect credit balance reporting to solve this manner by reporting the correct amount of the loan debt owed, for the past XXXX I reached the local XXXX XXXX, each of the occasions I reached out the representative stated to me that XXXX was going to get reach out in a 5-7 business days by XXXX to follow up, no calls were received from the time stated time frame as stated I reached back to XXXX XXXX I was informed that she send the letter to the bureau representative I called that same day at XXXX I was notified that no letter was sent from XXXX XXXX XXXX to reinsert the loan account balance I reached XXXX XXXX to follow up and the agent told me that the manager send the report to the wrong account that they were going to try to solve this problem some time by the next following week. All I want is for XXXXXXXX XXXX XXXX  reports the correct debt information to the credit bureau by submitting a reinsertion letter wish the have failed to do so for the past 47 days.

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 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: CA

Complaint narrative:
i received a letter from Discover saying that dispute of {$340.00} would reverse. I found out that the temporary credit that issued and XXXX XXXX issued it with a few days after. the dispute was open for more then days and now they are telling me i have to pay the {$340.00} back by the XX/XX/XXXX. This unfair that the dispute was open this long and more notice 10 days to pay this back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I purchased and applied a {$100.00} gift voucher to my XXXX account, expecting to be able to use it to purchase hardware or physical games. The funds are now locked in a " wallet '' on their site that can only be used to purchase digital goods, for which I have no use. I have called and used chat and have been told there is no way to withdraw the funds or have them converted into a format which I can use on the physical goods.

Company response to consumer: Closed with explanation