vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
I, like everyone else, was negatively impacted by the COVID pandemic. I called my lender and entered into a forbearance. At the conclusion of the forbearance, my lender sent me a trial plan and I signed and returned it. I started making my trial payments in XXXX. The trial plan should have ended after my XXXX payment. It did not. Calls were made to my lender asking for the documents. At this point, I was still paying the trial modification and had no agreement in writing about where the money was going or any terms. These questions were met with " we are behind, the VA is behind, we are working on it ''. The calls where I was told there was no problem and everything was going just slowly were on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. Every one of those calls were reassurances that the documents were being drawn up. Today, on XX/XX/XXXX I was told the file was just sent to the VA on XX/XX/XXXX. This now makes the situation worse. After months of being told to trust my servicer that they were doing everything correctly, that was untrue. The same people that misled me for months are now collecting monies with no written agreement. If they have been dishonest with speaking with me, I do not trust them when they tell me they are using my XXXX trial payments to pay back the loan. There is no agreement, they have not sent me anything with any terms or any explanation of what I am paying or where it is being credited to. I do not trust my mortgage company. Today, a representative, XXXX, advised that I am paying the mortgage, however my trial plan payment amount is not the same as the recorded mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Klarna AB
State: FL

Complaint narrative:
On XX/XX/XXXX I ordered a XXXX  ( gym equipment ) from an online store known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX however, I paid {$340.00} via a Swedish financial company known as Klarna for this item. I never received an email confirming my purchase from XXXX so on XX/XX/XXXX I filed a dispute via Klarnas app. They recommended I email the store support line. The only time Ive been able to get a response from XXXX was on XX/XX/XXXX in which they said, we are experiencing unusually large volume so orders may be delayed 2-3 days. I continued to email their support line on XX/XX/XXXX and XX/XX/XXXX with no response. I have since emailed their support line countless times without any response. Klarna told me to wait for their investigation team to reach out to the vendor, but on XX/XX/XXXX I ended the dispute. I did this because I had messaged with multiple Klarna representatives from XXXX XXXX XXXX who all gave me the impression that there was nothing they could do to compel the vendor to send me my item. Ultimately, I dont even want the item I ordered anymore, I just want my money back. Well this morning after emailing with a Klarna representative regarding my issue, a rep named XXXX said, ( direct quote ) As we act as a financier in transactions, Klarna is not in any way responsible for the goods or services you order or purchase from merchants, including, without limitation, the quality of such goods and services and how and whether such goods or services are delivered. Please also see our Terms & Conditions that were agreed to upon using Klarna. 
You are welcome to re-dispute the order, but Klarna is not liable for the order delivery. 

So basically Klarna took my money the vendor they represent has dropped off the face of the earth and now Klarna is saying that they have no responsibility in the matter whatsoever because I signed their terms and conditions. This is extremely predatory and I feel as if I have been scammed by a large financial institution. XXXX XXXX XXXX is also an abomination, but I dont even know if Klarna forwarded my money to them at all. Ultimately I just want my money back. But I also believe other consumers have the right to know that Klarna conducts business in such a predatory manner. 

Ive considered taking Klarna/XXXX  XXXX XXXX XXXX XXXX claims court, but I dont have the money or time for that. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: RI

Complaint narrative:
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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

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 2022-07-15 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested the the XXXX bankruptcy docuements and paperwork to validate bankruptcy the dates and information containted within credit report are innacuurate XXXXXXXX XXXX violation of consumer reporting I want item removed from my credit profile

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 2022-07-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal. They also violated my rights under the 15 U.S.C 1681 section 602 A. States I have 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 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Experian XXXX XXXX XXXX, XXXX, and XXXX have 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 an account without written instructions. 


The following information is incorrectly reported by Experian XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on three levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on three levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with 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 non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, TransUnion, and XXXX have 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 an account without written instructions. 

The following information is incorrectly reported by Transunion : XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and was told XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with 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 2022-07-15 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: RI

Complaint narrative:
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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: RI

Complaint narrative:
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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

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 2022-07-15 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

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 2022-07-15 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:
Account : XXXX XXXX Co XXXX Was removed from 1/3 of the major credit bureaus therefore this account should be removed from the 2 others clear indication that there are in accuracies being publish on my consumer report.

Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality

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 2022-07-15 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, TransUnion, and XXXX have 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 an account without written instructions. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX. 
XXXX XXXX account number : XXXX. This is not my account. 

The following information is incorrectly reported by TransUnion. 
XXXX XXXX account number : XXXX. This is not my account. 

***PLEASE NOTE*** XXXX XXXX XXXX XXXX HAS ALREADY REMOVED THIS ACCOUNT DUE TO IDENTITY THEFT.

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 2022-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I started a lease with Hyundai on XX/XX/XXXX, with the lease end date being XXXX XXXX. In XXXX of XXXX I moved from XXXX XXXX ( the state I was leasing in ) to XXXX XXXX I had changed my license to XXXX XXXX, so I needed a state to state transfer of the registration. I called Hyundai finance and they told me they would send the title to DMV for me. I made the appointment, and was told by DMV they had no received anything. I waited until XXXX when I decided to buy out the car after my lease. On XX/XX/XXXX I send a cashiers check of almost XXXX to Hyundai and they cashed it 2 days later. Today is XX/XX/XXXX, and I have no idea when I will receive the title to the car I paid in full for. The car can not leave the driveway at this point. I call at least every 2 days for an update because I am constantly getting the runaround of when I will receive it. For the first two weeks I was told to wait 3 business days for processing. Which processing? I was never explained what was even processing. Then miraculously on XX/XX/XXXX I was told the DMV does have the title, the entire time apparently. So a title they were processing, was at the DMV. I was then told DMV was going to destroy the title ( because it had a lein on it ). A week later I was informed that they was unable to happen and Hyundai requested the title back from DMV. Maybe a few days later I called back, Hyundai still said DMV had the title. I called a lot of times and they claim they keep notes on each call, but it seems like no one knows what is even going on with the title. I am now told they have the title, Hyundai in Texas does. They are now processing it. Again. I need the title, bill of sale, and release of lien. All of which I am constantly told will happen in 3 days. It has now been over 8 weeks. Me and my daughter ( an insured driver and co-leased the car with me ) rely on the call to get to work and school. I need to the title to register it, but am receiving no help doing so.

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 2022-07-15 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

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 2022-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
CREDIT ACCEPTANCE provided a misleading contract, including advertising. It was without knowledge to transfer actual cash value from me, the alleged borrower, to the bank and return it to the alleged borrower as a loan. The banks intent was to receive cash value and return cash value as a loan. They also include interest charges on the transaction all funded by my signature. It was not my intent to fund my own bank loan. This was misleading and is a breach of contract. 


The account number is XXXX The finance charge is {$9900.00}

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 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: GA

Complaint narrative:
XXXX XXXX stolen by XXXX. 
XXXX is asking me to pay them {$1900.00} when they owe me {$2600.00} From below : ( XXXX XXXX XXXX ; XXXX, XXXX ( 2020 ). ) Misdemeanor Theft A person who steals property or services valued at {$1500.00} or less commits a misdemeanor, punishable by up to 12 months ' jail time and a {$1000.00} fine. If an offender receives a sentence of six months or less, the judge may allow the offender to serve the sentence on weekends or during non-working hours. 

Georgia allows any owner of stolen personal property ( not just retail merchandise ) to bring a civil action for damages against the offender. 

Before filing the civil action in court, the property or store owner must send the offender a written demand and give the offender 30 days to pay the following amounts : compensatory damages for the value of the property and any other losses incurred from the offense, and exemplary ( punitive ) damages in the amount of {$300.00} or triple the value of the loss, whichever is greater. 

If the offender doesn't pay within 30 days, the property or store owner can seek the above damages, plus attorneys ' fees and costs, in court. ( XXXX XXXX XXXX ( 2020 ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation