vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: MI

Complaint narrative:
On Friday XX/XX/2022 I attempted to change my email address with Klarna, they advised it would take two business days. 

I received a push notification on XX/XX/2022 around XXXX AM that I had a message on the Klarna app. I went to see what the notification was and it logged me out. I assumed it was due to the email change, I received no notification either way. I attempted to log in with both my new and old email, both options didn't work, so I called Klarna customer service. I explained what got me to them, that when it asked for a phone number to verify, their system gave me an error. Customer service was confused why I received the error, was not confident in how to fix it. Ultimately I was advised the email change may take an additional 24 hours to wait before trying to log in again. 

On XX/XX/2022 I called as my attempt to log-in continued to be unsuccessful. I received an error message just as before when the verify phone number screen was presented. The customer servicer representative XXXX told me that she wasn't sure why the error message was presented to me. She advised there was several things we could try. 

I am paying nearly 30 % interest, with automatic payments being debited from my card. I should be able to change my email address without having to jump through hoops, and if I do, I am able to do so with confidence. Klarna had XXXX confidence in helping me get me on my way. One solution was to text Start to a short code XXXX. That didn't work. Waiting as I was instructed for 24 hours didn't work. Another path too fix my issue was verifying my identity with a third party app with taking a photo of my passport and drivers license. No disclosures were provided from the third party app or how my information was going to be handled was provided. This certainly wasn't the process in signing up through XXXX when my relationship with Klarna began. 

When I asked to speak to a manager in hopes I could get the issue resolved with confidence, I was told none were available. I don't receive a normal statement in the mail, email etc. They certainly weren't wanting to help with discussing when I have a payment automatically drafted while waiting to get back into my account. If I am unable to pay on my account, & access my account to make decisions, or be advised with confidence, then this company shouldn't be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My Business Office Phone Number ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My Business Office Phone Number ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Ive filed a complaint with Bank of America about force a close account when it was there fault scam customer because Ive reported them to you guys they now threaten shut down my credit card Ive never miss a single payment always pay on time had it for several years Bank of America says since I term them in there now force shut down my credit card this will lead to a law suit if I continue be taken adavantage of I will hire lawyer start legal court case against Bank of America there not even close my regular checking account that was suppose to be closed XX/XX/XXXX Im looking into take legal action now your not doing anything about this Ive save everything to show Bank of America is fully at fault with calls messages text emails they claim they dont do if it take court to tell bank there in the wrong then let it be that way Ive never miss a payment for them to do such. Thing because I turn them in is absolutely unacceptable

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 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I set up automatic payment of {$40.00} per month for my Bank of America Visa card account in XX/XX/2022. I thought the bill was paid until In XX/XX/2022 when I received an email saying that my account was delinquent for 3 months due to non payment and my credit amount was reduced to {$700.00}. I checked my account and 3 payments had been cancelled that I had not cancelled and had been the delinquencies had been reported to all credit bureaus and my scores dropped. I read that this had happened to a number of XXXX XXXX  customers. Before this I had a 100 % payment rating.

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 2022-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called the credit bureaus on the XX/XX/XXXX XXXXrequesting them to do on investigation on the account below As [ FRAUD According to the FRCA The term Investigative consumer report means a consumer a consumer report or portion thereof in which in formation on a consumers character, general reputation, personal characteristics or mode of living obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies XXXX # XXXX Date last active is [ inaccurate Open date on account is [ inaccurate Date of last payment [ inaccurate Comment [ 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 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I paid the final payment on a custom dress only to discover that I had been frauded and not given what I purchased. 

After immediately trying to return the dress after making the final payment when I realized I had been frauded by the merchant and the merchant refusing a refund, I began contacting government regulating agencies for help. After over 3 months of trying to work with the merchant to get my money back Capital One reversed my temporary credit and recharged {$1700.00} to my Capital One 360 Checking account on XX/XX/XXXX. 

While I do have a line of credit, I did not use the line of credit to make the {$1700.00} payment to the merchant and no finance charges should have ever been charged to me as the Capital One 360 Checking Account is marketed as a no fee account and this was a chargeback by Capital One regarding a dispute where fraudulent merchandise was returned back to the seller. 

I nonetheless took steps to source the account despite Capital One failing to return my money for merchandise that was fraudulent and returned to the merchant. 

I thought my IRS refund for my taxes would come sooner and arranged for the remaining balance from the chargeback to be paid to Capital One though it took over 3 months. During this time, Capital One closed my checking account and began charging me finance charges for the disputed {$1700.00} that was charged back and claimed it was for the line of credit which I had not used to make the {$1700.00} payment to the fraudulent merchant. 

I was charged roughly {$50.00} in fees and when the IRS refund deposited into the checking account I tried to pay my Capital One credit card with the remaining balance of about {$840.00} which was rejected and was charged a {$40.00} fee on my Capital One credit card in XX/XX/XXXX though the account was opened but revoked. I was not aware that I could not use the Capital One checking account to pay the Capital One credit card account since the negative balance from the chargeback had been paid and the account was still open. 

Instead, Capital One charged me a {$40.00} fee to my Capital One credit card in XX/XX/XXXX in addition to roughly {$50.00} in finance charges. 
Again, these are charges on a chargeback dispute. 

The Capital One checking account and line of credit were permanently closed by Capital One bank and Ive been left with fees from a no fee checking account for a dispute with a fraudulent merchant. How is any of this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: NJ

Complaint narrative:
My Experian credit report shows there is a bank account that not belongs to me, and I submitted my first dispute on XX/XX/XXXX. However, after multiple " verified and accurate '' dispute results, I contacted XXXX XXXX the one Experian said reported this account on my report. However, they can not find anything according to my social security number, and my name is super common in their database, so they can not locate any specific account related to me. That result makes sense because I have never stepped into XXXX XXXX  and had any business with them. XXXX XXXX finally said they needed the last four digits of that account to locate the information, so I contacted Experian again. They said they could not provide me with the last four digits of that account due to privacy policy. How ridiculous! They said that the account was mine but refused to let me know what the account was! That is a DEAD LOCK now, Experian said they need XXXX XXXX  to report inaccurate account linkage, and XXXX XXXX requires me to provide the last four digits of the account to locate it, which Experian refused to provide! It's NOT my account. How could I know the last four digits of that account? If XXXX XXXX can not find anything in their system according to my social, how Experian " verified '' my information with them?

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 2022-09-28 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: NY

Complaint narrative:
I did not authorize or consent to the following accounts being furnished on my consumer reports. 
XXXX. XXXX XXXXXXXX XXXX XXXX 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 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
XXXX by Goldman Sachs has charged me interest even though I made payments in full on time. Rather than time stamping the receipt of my payments by check, they claim I have been late because they take a long time to actually post the payment... claiming the time lag is MY fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
On XX/XX/2022, One Main added derogatory marks on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, One Main has violated my rights as a consumer and I'm requesting legal action to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
SERVICER : FEDLOAN LOAN # XXXX I am eligible for a REFUND as stated by XXXX program when I overpaid over 120 payments. From XXXX ( 28 payments totals to the amount of {$3400.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Dept of EducationXXXX Account XXXX XXXX, Dept of Education/XXXX  Account XXXX XXXX XXXX Dept of Education/XXXX  Account XXXX XXXX , Dept of Education/XXXX  Account # XXXX XXXX Dept of EducationXXXX Account # XXXX, Dept of Education/XXXX  Account XXXX XXXX has violated my rights 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 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer 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 2022-09-28 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX Dept of EducationXXXX Account XXXX XXXX, Dept of Education/XXXX  Account XXXX XXXX XXXX Dept of Education/XXXX  Account XXXX XXXX , Dept of Education/XXXX  Account # XXXX XXXX Dept of Education/XXXX Account # XXXX, Dept of EducationXXXX Account XXXX XXXX has violated my rights 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 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Im filing a complaint about chase bank. My name XXXX XXXX. I have 3 established account with chase. I opened a business account with chase Around XX/XX/XXXX of XXXX I made a mobile deposit check for the amount {$2300.00}. This check was from one of my clients. The deposit went through according to my knowledge. Two weeks ago, while trying to make a purchase with my business card, it was declined. I called chase to see what the problem was. CHASE BANK told me they had placed a restriction on my account including money I already had in the account. They said the client only wrote partial of my business name and not the full name so they would need to verify the client in their database. They came back to me and said the phone number in their database does not match what is on the check so therefore, I would need to carry the client to the bank with 2 forms of Id or have the bank recall the check. I told THEM that the client is XXXX XXXX XXXX and home bound and can not go out unless hes goin to the hospital in hospital van. They gave me the option to recall the check. The client was able to recall the checK from his bank but according to chase, they never received the memo from the other bank to recall the check. Chase told me to wait a few days to see if the money will be recalled. But the next day after telling me to wait for the check to be recalled, they made the funds available in my account. I called CHASE BANK to see if the money was now available for me to use. CHASE BANK said even though the funds are available, they are not removing the restrictions and I also cant recall the check anymore. The only other way to get the restriction removed is to have y XXXX XXXX XXXX client go to the bank and verify. My client can not and will not leave the house. He lives in the county 2 hours from any CHASE BANK. Chase is now closing my account and holding the money till my client who is home bound comes to their bank to verify the check. I have other checks that the client has written me. Chase bank still refuse to call the man, refuse to call his bank. The only resolution is to verify a non verifiable number In their database or have the client come in a bank. My client can not leave his house unless being driven to the hospital by hospital staff. And I have no way to recall the funds now that they have made it available. dont believe this is a legal way to handle things and I need to find resolution to get my funds from CHASE BANK . The funds were supposed to go to employees. I had to come out of pocket because of the inconvenience that took place with CHASE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I don't know the dates, amount or company, as this was over 20 years ago. Portfolio XXXX bought an old debt from some credit card company They call my phone everyday before the new law went into effect theywere calling 6-10times a day.Now they call everyday from a different number. No message nothing I have caller ID so that's how I know it's them. Phone numbers within the last week are XXXX, XXXX, XXXX these are just part of the numbers. I have asked them to cease and not to have any other contact with me for the last 4 months. They continue to call Everyday once someone did reply with a laugh and said I can call you everyday and you can't do anything about it. I'd didn't write the date down. I've even tried to block their calls and they use another number. I don't even know what credit company it's for. But I do know it's been atleast 20 years ago if not more

Company response to consumer: Closed with non-monetary relief