vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
After paying off a car lease they dropped my credit score twice 23 points on XX/XX/2021 39 points on XX/XX/2021 for a total 62 points and ruined me.

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 2021-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Regional Processing Services
State: WI

Complaint narrative:
XXXX Wednesday, XX/XX/2021 Regional Processing, LLC called and harassed me and my husband. Threatened to file lawsuit with local court if I didnt pay something right away. Was very intimidating and used scare tactics. Said would send me email explaining things and I have yet to receive any information.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Response to the letter about my previous complaint. 
SANTANDER said they approve my credit application ( id # XXXX ) on XX/XX/2021. 
SANTANDER is advertising down payment which is against the law Pursuant To Title 15 U.S. Code 1662 No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Also asking for a down payment ( charge ) and. Monthly. Charges is a Violation Pursuant To Title 15 U.S. Code 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge DOES NOT include charges of a type payable in a comparable cash transaction. 
Property damage and liability insurance include Pursuant To Title 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. 
I also have my 4th amendment right Which states that I have the right to be secured and that includes any security interests I have is my right to be secured!

I use my credit card ( social security card ) Pursuant to Title 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
Once the contract is indorse by my signature the contract becomes a instrument with value and consideration & fulfills/settles all obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: OH

Complaint narrative:
Gemini trust company the cryptocurrency exchange froze my account with ~ {$3100.00} in crypto currency funds. An unauthorized ACH withdrawal from my bank which I conveyed to my bank last month was the reason they stated for my account being frozen. Despite my multiple attempts to contact and email I only get canned automatic responses and no real help. I am at loss and cant afford to lose this sum of money. I have ready similar complaints and they can remain inaccessible for months and I am in desperate need of some real help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was told by 4 different companies that the inquiry they were pulling would be a soft inquiry which were all done in this the last month yet each Company did a hard inquiry without my consent. There websites said that the inquiry would not affect my credit yet they are all on my credit report and have impacted my score substantially. I am furious and need this resolved.

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 2021-08-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In a certified letter dated XX/XX/XXXX I requested Equifax and XXXX  to delete several accounts from my report. 

Per U.S. Code 1681b ( 2 ), the consumer must provide written approval for an account relating to that consumer to be reported by any consumer reporting agency. I have not given such approval for the referenced accounts. These accounts have used my personal identifying information without my implicit written authorization, which is Identity Theft as defined in 15 USC 1681q ( 3 ).

Instead of deleting the accounts, Equifax merely removed the name of each account but still kept the information on the report. 

On XX/XX/XXXX I called XXXX  to request for certain accounts to be removed, per the above referenced laws. One agent refused to listen to what those laws said and mistakenly said it's not allowed, another said I needed authorization from the creditor, and the 3rd said I needed to submit a dispute for each account. So far, only some accounts from the deletion request were removed from my XXXX  report. Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
My monthly payment is due on the XXXX every month, I spoke with a representative and they stated the only +30 day late payment they saw was XX/XX/XXXX which I agreed with. I have noticed multiple 30+ day late postings that Sheffield has reported to all three credit agencies including recently, XX/XX/XXXX which was in fact not over 30 days late. I have made an effort even with being affected by COVID-19 pandemic to pay my side-by-side financed through Sheffield Financial before being late every month. The customer service representative said I could dispute the negative late payments, which I did with XXXX  and it did not change anything. This is severely affecting my credit and ability to obtain a mortgage loan. Sincerely, 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 2021-08-19 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: CA

Complaint narrative:
I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
I have informed numerous times verbally and in writing, Aargon Agency not to contact me. I do not have an account with this company nor do I owe a debt. Aargon Agency has I do not wish to be contacted about this alleged debt any further except to be notified that future collection efforts are terminated. 

I have kept accurate records of all phone calls and voicemails from this company, and this is my formal complaint for violation of my consumer rights. One the following dates, I have received messages left on my personal phone voicemail : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  I have requested phone records of the number of calls in which I have answered. 

I am demanding cease of ALL communication, including deletion from any and all consumer reports, payment for the above noted violations, and confirmation of this remedy in writing within 15 days. 


Thanks

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 2021-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Southwest Stage Funding
State: AZ

Complaint narrative:
My name is XXXX XXXX and my husband 's name is XXXX XXXX. Together we are filing a complaint against XXXX loans for refusing to file a water waiver on our behalf for hauled water. It is very common in our area and we have been told by FHA and Hud that this is possible if the lender requests it. Hud advised me to file a complaint against the lender since they refuse to file a water waiver. Our other complaint is that our loan was closed and funded in early XX/XX/2021. The lender hired the appraiser, in which he appraised our property with a well on it. My husband and I had no knowledge of themistake until 5 months later when XXXX XXXX brought it to our attention. The property does not have a well on it. 

We had told our builder XXXX XXXX that we would not be getting a well and we would go with hauled water. We made this clear on several occasions. My husband signed multiple documents to that effect, however it appears that one such document was either manipulated or presented in a way that we wouldn't have known or thought to check the exact verbiage of the document. 

We had put our full trust in the XXXX XXXX and XXXX to do and provide honest service, as this is their area of expertise not ours. We are first time home buyers. We stronglyfeel that XXXX XXXX and XXXX Loans have misrepresented their intentions and integrity. We feel both XXXX XXXX and XXXX Loans are at fault and need to be held responsible for their negligence in this matter. Furthermore, leading us to believe that we could trust that we were all on the same page in all matters regarding the construction and building of our dream home, More specifically the hauled water situation. I have filed a complaint against XXXX home with the Department of Housing. 

XXXX XXXX is now threatening to declare us in default and foreclose on our property. 
I am attaching some supporting documents to this complaint. Please let me know if you need anything more to help with the investigation. 


Property address is XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Reference numberXXXX. 


Sincerely, XXXX XXXX XXXX XXXX mailing address XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
I am writing to request an investigation and dispute for a derogatory mark I received on my Credit Report from my Alliant Car Loan ( XXXX XXXX XXXX  ). 

On XX/XX/XXXX I was alerted through my XXXX account that my credit score had gone down 91 points. I pulled my credit report and saw a derogatory mark. I called my loan provider Alliant and they said it looked like I did not have insurance XXXX XXXX even though I in fact have insurance for those three months. I called XXXX ( my insurance ) and they said this was caused by a glitch that occurred in the XXXX system.This glitch caused an increase in my car payment from Alliant, which I did not know about. I never received any documents in the mail about my the contracted amount going up. This resulted in an {$8.00} past due on my credit report and a derogatory mark. My account is on autopay and I did not realize the amount had been increased due to the glitch, even though I did have the proper insurance and was paying for it on time every month. I have always paid all of my car payments before this all happened.

Alliant told me to call XXXX Solutions to have my XXXX insurance verified since Collateral Protection Insurance or Force-Placed Insurance was put on my auto loan account, which caused my contracted amount to go up even though I did actually have my own insurance / was paying it on time. Documents have been sent to XXXX Solutions from XXXX to show proof that I did have insurance XXXX XXXX. I was told by the XXXX Solutions that I would receive a refund for what I had to pay when my car loan went up and my account has been updated to show that I did have insurance and my auto loan amount will go down to my contracted amount in around 3 weeks. 

I filed a dispute with Alliant on XX/XX/XXXX and asked them to remove the XX/XX/XXXX derogatory mark and they did nothing help to take the derogatory mark off my credit report even though I did have insurance the entire time and provided documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: PA

Complaint narrative:
Pursuant to 15 USC 1681c-2 at the receipt of an identity theft report a consumer reporting agency has 4 business days to block the fraudulent information from my consumer report. 

The response from Equifax, saying that these fraudulent inquiries are verified information not only shows that theyve received my identity theft report, but has proves that theyve refuse to block the fraudulent information from my consumer report. Which by law they have no grounds to do so being that the request was a mistake by me the consumer, and the identity theft report from the Federal Trade Commission, which is attached, is not a misrepresentation of fact of this fraudulent information, and I did not receive and goods, services, or money for the blocking of this information. 

Therefore Equifax is in violation of my rights as a consumer under the FCRA. Also, they claim that these fraudulent inquiries are a factual record of file. A factual record of file by whom? Not only are these fraudulent inquiries unauthorized by me, but I also did not give any consent to any consumer reporting agency to include this fraudulent information to my report. 

XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As written by congress the failure to comply with the removal of these fraudulent inquiries makes you liable under section 1681n of title 15.

As a consumer I am demanding that the following fraudulent inquiries are removed within 4 business days of the receipt of this complaint

Company response to consumer: Closed with explanation