vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: KEYCORP
State: OH

Complaint narrative:
Transfer of funds being delayed for XXXX day. excessive fees are being charged, {$1000.00} transfer fee per account. The bank in involved is Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-19 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: Smith, Cohen & Rosenberg LLC
State: CO

Complaint narrative:
I'm being perused by a debt collection agency for the amount of {$11000.00} XXXX signed up for a service that failed to deliver the expected materials and I find their client to be in breach of contract. 

I payed the monthly amount in good faith until I felt like was not receiving with the organized promised to deliver. This totals {$3900.00} The service provided was not timely, of low quality, and disorganized. 

I disputed these charges with my bank and the bank ruled in my favor that the organization was in breach of contract. 

I've attached the communication from by bank awarding the dispute in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian Credit Bureau for some reason continues to update an account that was included in a XXXX XXXX Bankruptcy on XX/XX/XXXX. The account is called XXXX ( XXXX  ) XXXX Throughout the years, my Experian report showed this lender having various " status dates '', and even every so often a new derogatory payment history indicator. All on an account included in the Bankruptcy & closed in XX/XX/XXXX. One year Experian would have a new XXXX date, then another date, and now a new date of XX/XX/XXXX for a status date and also again making a negative payment history remark for XX/XX/XXXX. Note : No other accounts that were included in the BK, have a status date past the Bankruptcy file date. Every other account included in the BK, says XX/XX/XXXX. Also no other Credit Reporting Agency has the new dates and continued derogatory payment history for this lender. Seriously, Experian has changed up this lender info yearly, even way after the BK, and whenever I submit court docs, it's like a monopoly of what Experian will change & report. I can attach XXXX XXXX Bankruptcy Schedule from XXXX. The newest entry from Experian now says " included in Bankruptcy in XX/XX/XXXX ''!!! Five years off from XX/XX/XXXX being the date of the account being included in BK.After talking with my BK attorney, we see contempt of the law, but are trying to get Experian to cooperate. Because this has gone on for years of continued wrong information, we request the report to be corrected or for the XXXX ( XXXX XXXX  XXXX to be removed totally. Thank you

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 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: DC

Complaint narrative:
Hello. On XX/XX/2022 I purchased XXXX US Dollar Coin ( " USDC '' ) on Coinbase, funding the purchase from my XXXX XXXX checking account. The transaction went through ( reference number XXXX ) at XXXX the same day ( see screenshot # 1 ). I intended to use the USDC to fund my Coinbase debit card for a purchase coming up in a few days, but when I logged back in a few days later I noticed a second, unauthorized transaction in my USDC wallet history. Specifically, a transaction with the name " Spent USD Coin ( authorization ) Using Coinbase Card '' appears as having been completed at XXXX pm on XX/XX/2022 ( see screenshots # 2 and # 3 ). I did not initiate any transaction using my coinbase card on XX/XX/2022, and in fact this transaction does not appear at all in my coinbase card transaction history ( see screenshot # 4 ). The latest transaction in my coinbase card history took place on XX/XX/2022, and I can find no other record of this supposed " authorization '' transaction anywhere in my account. 

I have contacted Coinbase three times ( two by email and one by phone ), and after indicating they opened investigations, Coinbase has now told me twice that I contacted the wrong department, and the Coinbase funding team can not see coinbase card transactions, and the Coinbase card team can not see funding transactions. See Coinbase Case # 's XXXX, XXXX, and XXXX. In my latest email, I requested this matter be escalated to a supervisor who could view both sides of the account, as based on the unauthroized transaction 's name, it appears to involve the coinbase card ( even if there is no record of it in the card 's history ). 

To sum up, I am missing XXXX USDC ( worth {$2400.00} ), due to an apparently automatic transaction to authorize the coinbase card, that is not reflected in Coinbase 's record-keeping of the card 's transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Grain Technology, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I requested to pay the annual fee in order to access my credit service with Grain. On XX/XX/XXXX XXXX XXXX processed my request. On the same day of XXXX request, I received an official email from Grain stating that Your annual fee payment of {$80.00} from your has been initiated on XX/XX/XXXX. On XX/XX/XXXX my annual fee was processed and I gained access to the credit services on my account. On XX/XX/XXXX I received an email indicating my account would be frozen because they needed to verify my account, therefore I contacted support with concern since I just paid an annual fee to gain access to my account. XXXX restored my access. On XX/XX/XXXX I was notified of an incorrectly charged annual fee of {$80.00} and a refund of the incorrect charge. On XX/XX/XXXX I again noticed I was unable to access the line of credit on my account. Between XXXX, I reached out to customer support on multiple occasions. During this exchange, XXXX informed me that he could not see the annual fee on my account. After providing him proof of payment ( bank statement, official Grain email, and email exchange with XXXX confirming the fee was processed ), XXXX insisted that if I paid the fee then it was refunded. I told him the only fee I was refunded was according to an official Grain email an " incorrectly charged annual fee. '' Since then XXXX not recognized this fee was refunded only because it was " incorrectly charged. '' He insists I should pay a full {$100.00} ( which included the original {$80.00} fee and an additional {$20.00} for a credit increase I was granted ) because he can not find a record of my annual fee payment and he has not accepted my 3 other forms of proof of payment. Until I pay this I have not had access to my line of credit. Therefore, I offered to pay the {$100.00}, notifying him that I would have to dispute the original annual fee charged on XX/XX/XXXX. Since then, XXXX has not taken any action on my account and he has been ignoring my last 4 emails, refusing to help me solve my problem or transfer me to a supervisor. Upon checking their reviews, this company has a well established pattern of ignoring the needs of their customers for even months on end. I am no lawyer, but I feel that an attempt to take someone's fee for an annual service, and then to suspend those services is an act of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: AL

Complaint narrative:
Used Wisely pay card on XX/XX/22 at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) atm to withdraw cash ( {$500.00} ). Cash was not dispensed, ATM showed cash is not available after transaction was completed. Receipt was given and amount debited from card. XXXX XXXX XXXX claims atm on property is not managed by the bank. Claim was filed with card company ( Wisely Pay Card ) on XX/XX/22. Cash has not been recovered to this date. Response from Wisely Card stating that it is under investigation. XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: Conn's, Inc.
State: PA

Complaint narrative:
I noticed a change in my credit score few weeks ago and when reviewing my payment history is not correct and an account that was showing closed and reporting properly is now showing up correct I filled a dispute with XXXX XXXX XXXX and it said that the info was showing correct. I had filed bankruptcy and was discharged XXXX XXXX  XXXX. this debt was part of that and has been reported properly since then. i then reported the issue to the company conns, due to the false reporting. first they responded saying the info coming from XXXX XXXX is not up to date, and that i need to use the credit report from the actual credit report not third party. so I got a 2 reports and and sure enough is showed changes made on XX/XX/2022 adding an amount to my balance, and on the other a balance being added XX/XX/2022 for both XXXX. I then send said screen shots of their respective info from my report and asked to be corrected and they still refuse to fixe it. this is now becoming slander and false reporting and they know that this account should be closed and they have that is was in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account name : XXXX XXXX XXXX Collection Account : XXXX 15 USC 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 account without my instructions Equifax deleted this account and re added it but with no proof or didnt mention anything in the first 5 days. This is wrong this isnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed several accounts that were not mine on my Experian Credit report number XXXX. I called Experian on or about XX/XX/XXXX. The representative stated THEY ( Experian ) had a system problem that incorrectly merged client data and they would correct it ASAP. They corrected some but not all. I now have 2 collections on my report from the same collection agency as copied & pasted below. 
Account Name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$60.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX {$60.00}

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 non-monetary relief
Consumer complaint received 2022-07-19 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: VA

Complaint narrative:
On XX/XX/XXXX, my XXXXredit score went down 42 points. When I checked my credit report, my on-time payment history had decreased from 98 % to 95 %, and I am currently late on my XXXX payment on all 3 credit bureaus. The message related to why the huge drop in my score along with my payment percentage going down stated that it was due to a missed payment from XXXX XXXX, which is my creditor for my car loan. However, when I checked my XXXX account information on my credit report, there was no missed payment showing. I still have all green checks for on-time payments, so none of this should have ever happened. On XX/XX/XXXX, I called the credit bureau to find out what happened and to see if it was a possible mistake since my account was not showing anything about a missed payment. They stated that it could have been a mistake but they stated they did not know why and they did nothing to remove it. On XX/XX/2022, I called XXXX and asked why this happened since I hadn't missed a payment. They stated that they were not showing a missed payment for me at all and that they did not provide the credit bureaus with any information pertaining to a missed payment.

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 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Returned my rental car. XXXX kept charging me and telling me I hadn't returned the car. So, they couldn't find a car I returned to their lot. I had a 6am flight out of XXXX so I had to drop the car off at 4 am, left the keys in drop box. A week later, I see a debit charge from XXXX. I call, what a nightmare, on hold for 30 minutes, they tell me I still have their car. I flew from XXXX to XXXX XXXX It was their way or the highway. eventually, they found the car and refunded the amount. After this experience, I asked for a new debit card from PNC bank so XXXX wouldn't have carte blanche on my account. So, new debit card... then, 2 months later, another charge from XXXX. How they did this I don't know. I called PNC, another nightmare, to dispute transaction. Weeks later, I get a notice from PNC saying they decided for XXXX. I asked what documents they used to make their decision. They said " XXXX sent us a receipt with your name, address, and account number. '' Do you ses the ridiculousness of this? Anyone who has had previous access to this information can use it. PNC was supposed to determine if this was FRAUD!!!! This entire incident has felt like a Twilight Zone episode. Has made me never want to travel again. The incompetency is bewildering. I had to CLOSE my PNC account to keep XXXX from withdrawing money from it. Of course now PNC is sending me to collections for not paying XXXX 's fraudulant charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
There are several inquiries on my credit account that should not be there. I have already contacted the bank and other financial institutions regarding the hard pulls. I will like these removed asap. These hard inquiries are affecting me in many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: OH

Complaint narrative:
XXXX XXXX reports on my credit file And account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
This debt was never mines to begin with. I have disputed this debt with the debt collector stating my identity had been stolen and a credit card was applied for in my name. This debt is drastically harming my credit score and I would like for this issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account XXXX  XXXX| xxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX Age XXXX Account XXXX/XXXX| xxxxxxxxxxxx XXXX  CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX  XXXX| XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX XXXX XXXX Account DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX {$1700.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX Age of Account DEPT OF EDUCATION/XXXX XXXX XXXX XXXX {$3000.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX Age of Account XXXX/XXXX| xxxxxxxxxxxx XXXX CLOSED Account Status {$13.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account XXXX  XXXX| xxxxx XXXX CLOSED Account Status {$0.00} Last Payment Amount XXXX Late Payments XXXX Age of Account XXXX XXXX XXXX  XXXX XXXX XXXX CLOSED Account Status {$15.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX XXXX fcra XXXX XXXX i have the right privacy 15 usc 1681b section 604a section 2. it also states a consumer reporting agency can not furnish an account without my written instructions which basically is saying that unless you give the company written consent to put this on your report that is the only way that they're allowed to report it to the credit bureau, which I have not given any permission. then it says 15 usc 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 they may only report crimes not debts which the report by more than three years 15 usc 1681 s 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.

15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I submitted a dispute with Transunion since 3 accounts were reported wrong balance - 3 2 of them were paid in full. I submitted a dispute got the dispute results and they corrected only 1 account. When called and complimented they asked to open another dispute moving the deadline for them to correct the inaccurate information to 60 days. 
Here is the TransUnion file # FILE IDENTIFICATION NUMBER available. Your unique FILE IDENTIFICATION NUMBER is XXXX and is also located at the top of this page. 

The two accounts were paid in full and closed are TransUnion did not update - the other two bureaus have report the correct info for the same accounts Their dispute process does not respect regulation to fix incorrect ingo in 30 days - Phone and online service are not consumer friendly- To correct the information they are taking more than 30 days and they asking the customer to submit a new dispute.

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