vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Why after I paid collection debt, my credit score has been dropped so far? I proposed to fixing my credit score for refinance but it caused me a problem.

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 2021-05-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to bring into your notice that on XXXX XXXX I disputed with Equifax credit bureau the inaccurate information included in my credit report, but over 41 days now and still, there were no changes or any improvements in my file. I would like to stress out that unproven accounts must not continue to appear in the report as per the law. Also, Section 611 ( a ), definitely stated that a failure to investigate the negative items within 30 days gives a reason to immediately remove the item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. Regarding two debts which XXXX claimed was assigned to them by LVNV FUNDING- RESURGENT. One debt was {$680.00} reference number XXXX, the other in the amount of {$810.00} reference number XXXX. They offered me a settlement for both accounts and that they in return would remove both negative accounts from my credit bureaus reports. Though this is a different time for me financially, I decided to sacrifice the little money I had in an effort to improve my credit rating by eliminating bad debt. On XXXX XXXX I spoke to a supervisor Ms.XXXX XXXX that ensured me that once the payment was made both accounts would be removed from my credit bureaus reports. I made a payment for the agreed settlement amounts on XX/XX/2021, the payment cleared my bank account on XX/XX/XXXX, XXXX also received a receipt from XXXX XXXX XXXXXXXX XXXX XXXX confirming that the payment was received and both accounts were settled. As of today XX/XX/2021 both accounts remain on all three credit bureaus. These accounts were settled and paid as agreed by the creditor/collection company. I would like both accounts removed from all three credit bureaus as agreed as this is a violation of the Fair Credit Reporting Act ( FCRA ). Please see all attached correspondence related to the settlement and payment of the above referenced account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: MOHELA
State: IN

Complaint narrative:
After viewing my report I am very upset that I have found fraudulent item in it. I was a victim of Identity Theft, someone has access to my credit and it ruing it by opening account that I have no knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a Bank of America prepaid card where my unemployment benefits were deposited. On XX/XX/2021 my account was hacked and I lost {$3000.00} dollars. I spoke with Bank of America on several occasions and did not receive a solution. On XX/XX/2021 I was informed the money fraudulently withdrawn from my account will not be reimbursed by Bank of America. I want to know if there is anything else I can do to dispute this decision.

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 2021-05-07 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: TN

Complaint narrative:
Collection Account : XXXX and XXXX Account # XXXX Balance : {$1100.00} Date Opened : XX/XX/2020 This is a formal complaint against Equifax. I have been disputing this account since XX/XX/2020 with Equifax because of erroneous and inconsistent reporting of this account to my credit report. This account has been deleted by the other two bureaus, XXXX and XXXX but for some reason, I see this account still reported in Equifax. There is only one source of information, which is the original creditor of this alleged account. How can the other credit bureaus delete it but not in one bureau?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
This Cfpb complaint is a request to help me remove the account does not supposed to be in my credit report. A collection company is still continuously reporting this account in my credit report. Please be informed that this case is considered as debt parking because the same original company and balance has been on and off my credit report. The original creditor of the account I am disputing is from XXXX XXXX XXXX XXXX XXXX for the balance of {$550.00} this was reported before in collection company XXXX XXXX XXXX on XX/XX/XXXX. During that time I disputed this account directly to XXXX XXXXXXXX XXXX and 3 credit bureaus. I even requested validation of debt because I am even familiar I am sure that I do not owe them anything. And after few months of disputing this account this was eventually removed XX/XX/XXXX. I believe that because they lack information and validation to prove that I owe this was removed. However, as review all of the accounts reporting in my credit report on the same XX/XX/XXXX report this is now reporting in other collection company PHOENIX FINANCIAL SERVICE. I confirm that this is he same account because of the balance and the original creditor. This is plain and clear debt parking concern. This debt from XXXX XXXX XXXX XXXX XXXX is on and off my credit report and being reporting in different companies. This is negative information that should not be in my credit file ever since. If XXXX XXXX XXXX give up and removed this account in my credit file due to lack substantial evidence then I need PHOENIX FINANCIAL SERVICE to remove this account as well in my credit report. This account has been affecting my credit score. All the credit bureaus has been reporting this account without making the collections company responsible with the accuracy of their report. It is almost a year that I am suffering for this inaccurate report. Please completely cease the reporting of this account in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I was contacted by United Collection Bureau , Inc on XX/XX/2021. Regarding two debts which tgey claimed was assigned to them by XXXX XXXX XXXX One debt was {$680.00} reference number XXXX, the other in the amount of {$810.00} reference number XXXX. They offered me a settlement for both accounts and that they in return would remove both negative accounts from my credit bureaus reports. Though this is a different time for me financially, I decided to sacrifice the little money I had in an effort to improve my credit rating by eliminating bad debt. On XXXX XXXX I spoke to a supervisor Ms.XXXX XXXX that ensured me that once the payment was made both accounts would be removed from my credit bureaus reports. I made a payment for the agreed settlement amounts on XX/XX/2021, the payment cleared my bank account on XX/XX/XXXX, XXXX also received a receipt from United Collection Bureau XXXX Inc confirming that the payment was received and both accounts were settled. As of today XX/XX/2021 both accounts remain on all three credit bureaus. These accounts were settled and paid as agreed by the creditor/collection company. I would like both accounts removed from all three credit bureaus as agreed as this is a violation of the Fair Credit Reporting Act ( FCRA ). Please see all attached correspondence related to the settlement and payment of the above referenced account.

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 2021-05-07 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: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX AT XXXX XXXX APTS ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
Just tonight I got an alert on my phone and two different management companies about having a big change in drop of my credit score so I looked it up and it said that I am extremely delinquent on a XXXX XXXX account that I shut down myself because I had to move off grid because of Covid and they told me they would pick up the equipment and that was that now months later it shows that I have XXXX balance and that there is collections agency on top of this now and I had a perfect record of payment everything was an auto pay I wouldve paid for this theres nothing to pay for though because the equipment was returned I checked my account when I was able to get electricity again months later and it said there was XXXX balance and so tonight I talk to XXXX and they said that they cant do anything and I asked if they would send a letter or I dont know I just pressed for something and then they said theres no record of them even sending my anything to a collections agency so I have not yet attempted to contact the collection agency I thought I should go to XXXX  first because you know what Id rather not have all these negative things on my credit report thats what I wan na repair I just got it repaired after having XXXX and having it be destroyed and I do not know about this if I knew about this I wouldve taken care of it Im not happy about it and I dont want to pay but if it is about money then if they can take off the strikes against my credit report I would pay but I think thats wrong I shouldnt think that or even offer that because the fact is that they got their equipment and didnt put it in their system as such or they did and I dont really know whats going on but I was reporting here because the collections agency which I only found out about From XXXX in to various thinking assistant apps that showed me the name of this XXXX  XXXX company a & I searched XXXX before Actually complaining hereand there was 42 results And I read all of them and any of them that had anything to do with XXXX and that XXXX  XXXX seem to be able to stand still and again this is the first Ive notified of it because it got to my credit score and I need that to be taken off and I will do whatever I can but I think I need assistance and its because of Covid theres a lot of reasons I know I should be asleep now because I have to do something with my family and yeah at least it shows I have no balance my account shouldve been closeout but I can still login but it doesnt say I went to collections it looks as if everything was fine Im really frustrated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We applied to Citibank for mortgage refinancing on XX/XX/2020. We were told that the process will take up to 90 days. As long time Citibank customers, with excellent credit scores, continuous employment and no debt, we expected smooth and painless process. For the next 7 months, there were constant delays by Citibank. Each step of the way we had to request confirmation of receipt of documents or a simple clarification, multiple times. The loan processor took days and weeks to respond. The responses rarely addressed more than one issue at a time and were ambiguous, which required additional questions, and took more time. The documents that were submitted kept expiring and had to be resubmitted several times. Some documents had to be resubmitted because the loan processor couldnt find them. Six months later we were assigned a different loan processor. The appraisal of our property had expired after six months, unbeknownst to us. At the end of the 7 months ordeal, once the underwriting approved, we were given 7 business days deadline to close, lest documents start expiring again and end up back in underwriting. We were hit with a surprise {$200.00} charge for the updated appraisal. We were also put in an impossible position by the Citibank, because we had to get our property management to sign off on the loan in a matter of days, and the bank was informed from the start that the process normally takes at least 2 weeks. The closing was scheduled on the day and precisely at the time when one of us was travelling, in spite of our requests to schedule on any other day and time. Because of that we had to scramble to find a notary at the last moment.

We have reached out several times to a senior supervisor, before and after the closing, requesting to remove {$200.00} charge. We were charged anyway even though we were told a second appraisal wont be our responsibility because it was caused by the Citibanks delays. We also asked for a reduction in fees and or rate, as consideration for all the delays, missed opportunities and additional costs. We did not get a single response to any of the emails.

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 2021-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Klarna AB
State: NJ

Complaint narrative:
There is something deeply nefarious happening with this company. On XX/XX/XXXX I tried to log into the app to check my account. I wasnt able to so I contacted their customer service who sent me an email with the steps to log in and reactivate my account. I dont understand why it was deactivated to begin with. It didnt work. I then called, spoke to customer service, same thing. I called back, they had a supervisor contact me with steps to log on - still nothing. Then they tell me they need a a photo of a government issued ID - a passport or drivers license to verify my ID. This was bizarre because NO credit provider requests such a thing. This company has my bank information and is billing automatic charges on my account - yet Im not able to access anything. I have called, I have emailed, I keep getting the same email with directions that dont work. Ive been getting the run around since XX/XX/29. I have a huge paper trail of everything. I want this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I have not been able to access my online statements for my 11 CD savings accounts at Marcus Bank as detailed in a prior complaint here XXXX XXXX ), which you closed at the bank 's request on their say so. In the prior complaint that was closed in XXXX, the bank claimed to be putting in a fix by XX/XX/2021. It was not fixed by XXXX when I check on XX/XX/XXXX. On XX/XX/XXXX, I received a call from the bank claiming it fixed the issue. They fixed my savings account and I was now able to see the listing of my statement now back to XX/XX/2021, which is when this problem first started. After I hung up the phone, I started downing my 2021 statements. When I got to the first of my XXXX CD accounts this is the error message I got : { " requestId '' : '' XXXX @ XXXX '', '' status '' : '' ERROR '', '' error '' : { " code '' XXXX, '' message '' : '' Error getting document by XXXX '', '' fields '' : { } } } For 5 months I been trying to get this fix as detailed in the prior complaint. My wife has lost all faith in the bank and fears for the safety of our money. I am now taking steps to remove our money from the bank even if it means taking penalties. It is better to lose a few hundred dollars in interest than $ XXXX of our money held in their bank. 

I have lost faith in the federal government to ensure the safety of our money. Marcus Bank does not have the ability to safety manage or control their computer programs. If they can't manage their in house software, how safe is my money from a computer hacker or from some other cyber security flaw?

And another fact, Marcus had to restate all of the XXXX statements because of some glitch. 

If the CFPB is not concerned then maybe the FDIC should be since they may have to cover the lost.

A review of Marcus Bank XXXX page has many others concern about their money 's safety and the bank 's computer abilities. My wife detailed our issue and the bank took down her post. What are they trying to hide? Only after she detailed how we filed a complaint with CFPB did it stay posted. 

It comes down to this. An online bank should have accurate online statements. Since the beginning of 2021, that has not happen for the 13 accounts that I had at the start of 2021 and now I can only get 1 out of 12 statements online for the month of XXXX. 

I have try 24 times via chat, registered letter, phone calls, even a prior complaint for over 5 months to get this fix.

Company response to consumer: Closed with explanation