vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 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: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX I paid Acima Credit my final settlement agreement payment to close and fulfill an old debt. I was advised that this would be updated on my credit report in 30 days and it would reflect as a paid/settled account status. I reached out to Acima on XX/XX/XXXXto advise that my report had still not been updated with XXXX  and the representative, XXXX, advised me that an update had been sent to the credit bureaus on XX/XX/XXXXOn XX/XX/XXXX I reached out directly to XXXX  who advised me that the account was still reflecting as a derogatory charge off. The representative at XXXX  opened a new dispute on XX/XX/ along with my settlement confirmation receipt that I received from Acima Credit and Acima responded to the dispute on XX/XX/ reporting that the account was STILL charged off and in a derogatory status. Today, XX/XX/XXXX I reached back out to Acima and spoke with a supervisor by the name of XXXX that could not provide me any additional information behind why my account is still incorrectly reporting and negatively impacting my credit. I am in the process of trying to buy a home and Acima Credit is reporting incorrect data that is hindering the process and impacting my credit score and credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently sent ftc.gov paperwork involving fraudulent activity to Equifax concerning unauthorized/fraudulent inquiries.According to FCRA section 604 By law unauthorized/fraudulent activities must me delete/remove. 

I demand unauthorized/fraudulent inquiries be remove/delete. 


UNAUTHORIZED/FRAUDULENT INQUIRIES XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Beginning on XX/XX/2021, I opened a Coinbase account and transferred {$5000.00} into Coinbase. On XX/XX/2021 I expanded my account to Coinbase Pro. On XX/XX/2021 I added another {$3000.00} to the account. I made a few trades. On XX/XX/2021 I tried accessing my account and was locked out. I contacted Coinbase via every way I could find and only received canned letters saying it was being reviewed. On XX/XX/2021 I attempted to check the status of the " review '' and received a reply saying the problem was resolved and closed. It was not and I remained locked out of my account. I filed another complaint on XX/XX/2021 and other than a confirmation of the complaint, that is the last I have heard. I can not open or even view the status of my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
2017 XXXX XXXX, from XXXX XXXX, sticker price was XXXX, trade in was supposed to be XXXX, plus i put {$1000.00} down, ally financed car at 8.99 %, brother co signed, would not change brothers name, his name is XXXX XXXX, they put XXXX XXXX, finance XXXX. finance change XXXX ending amount {$48000.00}, ally financial, paying {$580.00} dollars a month for 84 months, payment was late due to mail issue, was charged an addition {$20.00} dollars, didnt pay that was was changed another additional {$20.00}, i was late on one payment due to XXXX  XXXX, i feel im being overcharged by XXXX XXXX and ally, call it discrimination, hopng someone would look into this and correct and award me damages!

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 2021-05-28 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.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. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/XXXX I attempted to transfer {$620.00} from my PayPal account to a debit card and the transfer was sent to a closed XXXX XXXX debit card account and not the correct place it was supposed to be sent to. 

After realizing this took place, I contacted Paypal and was told it would return to my Paypal account within 24-48 hours and to call XXXX XXXX. I then called XXXX XXXX and did not get any help or helpful information to resolve this issue. 

As the consumer, we rely on companies like Paypal and XXXX XXXX to provide assistance in the best interest of the consumer, and as we don't know the right way and don't have access to get it resolved on our own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
1-Provide Accounting of Ghost/Floating Balance Placed on my Account in XX/XX/2019. 
2-Provide Accounting, Identify Balance of Ghost/Floating Balance Each Month since XX/XX/2019. Indicate the amount of payment applied to Ghost/Balance Applied since XX/XX/2019. 
3-Explain why Discover doesn't identify Ghost/Floating Balance on the last 24 statements in the " Interest Charge Calculations '' 4-Provide ACCOUNTING of specifically how much of the last 24 payments were applied to the Ghost/Floating Balance. 
5-Explain why Discover does not identify the Ghost/Floating Balance in the " INTEREST Charge Calculations '' as I'm being blindsided by Discover NOT providing any accounting in the last 24 months of statements. 
6-Provide Disclosures, Terms and COnditions for the actions you took without my permission.

7-You applied a balance to my account without providing disclosure, transparency and terms and conditions. I have made 50+ inquiries and DISCOVER provides information that I already have.

8-Provide a ledger of accounting for the last 24 months of the actual accounting of the ghost/floating balance and the payments applied to the ghost/floating balance Discover unilaterally created without my understanding, permission and consent. 
9-Explain why DISCOVER is hiding the numbers and the monthly accounting of the GHOST/Floating Balance on my account. I want a monthly accounting for the last 24 months of the money YOU WILL NOT IDENTIFY ON MY STATEMENT, it is only identified in a general balance.

Discover is acting COVERT in applying a GHOST/Floating Balance without providing me the accounting of the monies. You provided general information and HAVE NOT ADDRESSED THE ISSUE of the accounting of the ghost/floating balance, terms, conditions, consent. WHAT IS THE INTEREST RATE of the GHOST FLOATING BALANCE, IDENTIFY it on my monthly statement. I WANT FULL TRANSPARENCY and ACCOUNTING in ledger with terms and conditions. I DID NOT CONSENT TO WHAT OCCURRED. YOU TOOK THE MISTAKE OF YOUR EMPLOYEES AND MADE IT MY PROBLEM AND DISAPPEARED IN PROVIDING ME THE TERMS, CONDITIONS AND INTEREST RATE OF THE BALANCE YOU APPLIED TO MY ACCOUNT UNILATERALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
Date is XX/XX/2021 Am  XXXX XXXX from XXXX Texas XXXX the complaint is about Power Finance Texas was sent to you via mail about the company Power Finance Texas about getting wrong Information about me about obtaining for some payday/loan. 
never got a reply twice. 
Today found go another saying they can not approve service at this time date XX/XX/2021. 
The denial is Dated is XX/XX/2021. 
The date XX/XX/2021 falls on a Friday I never tried to apply I call the abuse they need to stop and it is XXXX XXXX XXXX this abuse Am willing to fill a lawsuit against this company for for damages and abuse obtaining bogus pay/loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have had so many issues with this company, from reporting late payments that were not true to now reporting the incorrect balance and it is keeping g me from a better credit score and also keeping me from applying for new credit. I need for the balance to be corrected and also the late payments to be removed since we were in a pandemic and I tried to make payments but the company is so unprofessional I was unable to pay on time due to unprofessional workers working from home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28 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: MA

Complaint narrative:
Experian continue to reporting false and subterfuge later credit history with XXXX  account XXXX. False reporting a credit history is a violation of the FCRA by Experian. This later credit history is falsely reported by Experian which is a violation of Fair Credit Reporting Act. I have dispute this false late credit history with Experian and they refuse to update or delete this account. Experian is the company reporting the false and subterfuge late credit history so they are the company that is braking the law.

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 2021-05-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
hard inquiry not made by me. XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: TN

Complaint narrative:
Account Name : XXXX XXXX  Account # : XXXX Balance Owed : {$0.00} Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX. 


I am not sure how I was late in those months. I remember paying this on time for the month of XXXX to XXXX. There were months when I received my statements late, particularly in XX/XX/XXXX. 


Account Name : XXXX  XXXX XXXX Account # : XXXX Balance Owed : {$28000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late in those months. I have always paid this account on time, I might have gotten my statements late, but I've been making payments on this account. 



Account Name : XXXX Account # : XXXX Balance Owed : {$18000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late from XXXX to XX/XX/XXXX. I have paid this on time, I'm not sure how it appears late in my credit report. It did not match with the records that I have from the creditor.

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 2021-05-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Account Name : XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX. 


I am not sure how I was late in those months. I remember paying this on time for the month of XXXX to XXXX. There were months when I received my statements late, particularly in XX/XX/XXXX. 


Account Name : XXXX  XXXX XXXX Account # : XXXX Balance Owed : {$28000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late in those months. I have always paid this account on time, I might have gotten my statements late, but I've been making payments on this account. 



Account Name : XXXX Account # : XXXX Balance Owed : {$18000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late from XXXX to XX/XX/XXXX. I have paid this on time, I'm not sure how it appears late in my credit report. It did not match with the records that I have from the creditor.

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 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: CT

Complaint narrative:
On XX/XX/2021 I wrote a check on my account at KeyBank to XXXX by XXXX for a window replacement in my home. When I saw the replacement later that day, it was shoddy. On XX/XX/XXXX at XXXX am I went to KeyBank and stopped payment on that check. That was check # XXXX in the amount of {$7600.00}. The bank sent me a written confirmation that they had stopped payment on the check within a few days. I also informed the window company that I had stopped payment on the check. They nonetheless presented the check for payment several weeks later and the bank paid it. I have spoken with several people including the bank manager at the XXXX XXXX of KeyBank. Today I received a notice from the Key Bank Adjustments Department stating that the bank credited my account in the amount of {$.00} in this matter. Apparently they stopped payment on a check for {$7600.00} and not {$7600.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28 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: NJ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Last purchase on my Amex was XX/XX/2021 in amount {$3600.00}. At which time I was well within my credit limit of {$11000.00} with a 96.17 % usage. On XX/XX/2021 Amex lowered my credit limit to {$8700.00} thus putting me at 126.72 % usage. On XX/XX/2021. This has unfairly impacted my credit history report by Amex reporting that I am over my credit limit. 
Once again at the time of purchase I was within my right. Amex did not take this into consideration. I have spoke with Amex on several occasions with the last being XX/XX/2021. I was past around to 4 customer service reps and about to be past to a XXXX. I was given unfair options that could not be guaranteed of the outcome or future reporting. I would bier worst impact to my credit report if Amex declined based of information about my income during the Covid pandemic. I asked for 2 options. ( 1 ) restore my line of credit and freeze the account to insure no future charges will occur as the balance is being paid on time in a timely manner. ( 2 ) give me a deferred interest rate so more of may payment can go to the principle instead of interest. Both my request was denied. This has unfairly and unjustly affected me financially because of losing points on my credit score. I have been with Amex for 25 years and I am sure this is happening to many of their customers. 
I am asking to resolve this issue fairly as I have asked somewhere within the perimeters of their company without anything from my part other than my agreement. Once again I kept my end of everything from day one so I should not have to go above and beyond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
For the past month I've been trying to get my personal information corrected with Experian, this agency has the wrong information and no proper tools to help me fix my problem. IN turn, XXXX  has my credit listed at XXXX, but Experian keeps bumping out my request for the free credit information reasoning issues that are never explained. 

I did contact their support via email, they sent me to their on line app that refuses to accept my documentation although I am sending only PDF 's and for less than 15 MB - the app keeps telling me that there not PDF 's or is more than 15MB. I called their XXXX number, there is NO WAY I can get a LIVE person to talk, the menu keeps looping me within the menu options without any chance of solving my problems. 

I need to just have my personal data revised and properly updated so I can have my Free Credit Report copy! 

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 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.

Complaint narrative:
An e-transfer deposit was made of {$1000.00} XXXX on XX/XX/2021 from a business bank account. Deposit was then rejected, understandably, as a result of name of my bank account not matching name of my crypto.com account. Email was received XX/XX/XXXX, notifying me that that they require additional information so they could refund the money. Information was provided XX/XX/XXXX. XX/XX/XXXX, I followed up as still had not received the money back, nor any update. That day, I received an e-transfer email from Fortis, name of the crypto.com bank account I assume, for {$1000.00} to my business accounts email. Upon trying to deposit it by answering security question that was provided, my answer was incorrect to many times and now it is no longer available for deposit. No answer for the question was sent to me, I was left to guess the answer. I reached out immediately to XXXX at crypto.com immediately to just cancel and resend e-transfer, and this time provide answer to security question. XX/XX/XXXX a response came from XXXX at crypto.com asking for additional information, 'a selfie with today 's date, your name and " Crypto.com '' written down on a piece of paper in order to authenticate you as the account holder before provide any account information, which I did very same day, XX/XX/XXXX. Few more emails were sent over next few days following up with this, with the same response, 'it should be checked with the 'relevant team ', the last one now coming as of XX/XX/XXXX, from XXXX at crypto.com. Almost 3 weeks to resolve this matter, and no idea on when will receive my money back. This is considering stealing in any country. This complaint is in reference to Ticket # 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 2021-05-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation