vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I tried logging into my gemini.com account and was alerted that my account was frozen and their security team needed to review it. They did not tell me the reason my account was frozen and I waited until XX/XX/XXXX to follow up via email and their XXXX account to ask for an update. I received no response and then received the same email I received on XX/XX/XXXX that my account was frozen. 

I'm totally fine with Gemini reviewing my account, but it's been weeks without hearing from them and my money and securities are currently stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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 — Problem with personal statement of dispute
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I sent a validation letter to this collection agency twice requesting validation. The most recent validation letter was presented to this collection agency XX/XX/2021. The letter requests validation within 30 business days. I have yet to receive the validation and they are continuing to report negative information on my credit report with all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
I am writing to file a complaint on Agent XXXX XXXX with National Credit Audit Corporation. She has wrongfully filed a debt on my rental history solely out of spite of me not paying her a debt that is incorrect. XXXX tried to force me to pay a {$6000.00} debt was wrongfully reported and once I told her Id rather file a dispute, she cursed me out and called me out of my name. She acted in a very unprofessional and unlawful manner and I do not feel comfortable with her having access to misuse my personal information. I am requesting the wrongfully reported debt be removed or transferred to a delivery debt collector until I am able to come to a resolution. XXXX threatened my livelihood by wrongfully reporting a debt instead of helping come to a solution to the issue at hand. She is misusing her position as a debt collection agent and should be closely monitored or terminated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-26 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: GA

Complaint narrative:
I disputed with Experian to have a negative accoujt removed from my credit report. 
There a three errors  for this particular account. The account was with XXXX XXXX  XXXX XXXX XXXX 
The account states its been charged off. 
Then it states the amount {$610.00} had been written off. 
Then it states the amount {$610.00} is overdue as of XX/XX/XXXX. The month of the dispute. 
This account was closed at the credit grantor request. Yet, Experian continue updating the information as accurate instead of deleting it from my credit report. 
I disputed the same errors XX/XX/XXXX. 
I also disputed the same errors XX/XX/XXXX. 
Each time I dispute this account, experian updates the amount owed to the month I disputed it on. 
This account was closed at credit grantor request. 
Why does experian refuse to delete this from my credit report?

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 2021-09-26 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: DYNAMIC RECOVERY SERVICES, INC.
State: GA

Complaint narrative:
I have mailed a certified letter to this collection company requesting validation of the debts placed on my credit report. I recently mailed a letter in which they received either XX/XX/2021or XX/XX/2021. In this request for validation, I requested validation within 30 days pursuant to the fair collection practices. They have failed to provide any information to validate the debt. They also continue to report negative information on my XXXX  credit report.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
i have disputed with equifax several times by mail and online i have even called equifax.They are reporting a public record chapter XXXX bankruprtcy on my report they said they verified through XXXX XXXX i have my XXXX  XXXX  report and its not on there at all so that means equifax is false reporting and i want it removed. 

I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX  XXXX  is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I have requested documentation. They told me they would have the executive office call me. Until that time, I do not have any documentation and specific dates. I apologize. I paid {$550.00} a month on a broken car I got from XXXX. I paid this amount for XXXX years. My balance never went down. Then, recently, my payment jumped from XXXX to XXXX. So they considered me as five months behind even though I was still paying the XXXX. According to my records, I was maybe one month behind. That's it. They repossess the car. Now they are trying to serve me papers. I am moving to avoid this. I'm a single mother and I already work XXXX jobs. I am not capable of being garnished for {$16000.00} nor is it fair. The loan was through Santander Consumer USA. A quick XXXX search if you're not already familiar with it will show you that they have lost to class action lawsuits, one involved 33 States including Tennessee, the state I live in. I guess this was a subprime auto loan? That was never disclosed to me. I never heard of such a thank you. They have been ordered to do long forgiveness two people who made their purchases during the year that I did, 2018. I contacted them as the lawsuit website directed me to and ask them to please check if I qualify for the loan forgiveness. I'm sure I do. This is very predatory lending. They told me that they don't think that I do and that the executive office would call me. I still have not received the phone call. I need help with this. Is there anything you can do to help me? Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed several complaints with CFCP after having no luck getting them to correct the mistakes on my credit files. 
In response to filing the complaints, the credit reporting companies took vindictive action on my credit file. 
After the creditors reported the updated information, XXXX, and Equifax both reported the same account MULTIPLE times on my credit file making my credit file appear much worst than it is. 
Instead of being fair and honest companies, it seems the Credit reporting companies are petty and corrupt. 
Included is a copy of said closed accounts on my Equifax report. The information is similar to the same on my XXXX file. 
The report detail I include truncates so you can not see the account numbers but the are the same, over and over. 
Doesn't same fair to have the same charged off ( paid in full ) reported multiple times, with both varying correct and bogus infomation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: MD

Complaint narrative:
This debt was paid off and the debt collection agreed to remove and debt the account from my credit report. This negative adversity from this account is still reporting on my credit report. I have asked for XXXX XXXX to provide the following information : - credit insurnace - their relationship ( purchased by, debt collector or hired by another debt collector ) - payment history - charges w/signature - balance history - interest rate disclosure - pay-off disclosure For review and it has not been provided.

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 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My name is in misspelled in my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: GA

Complaint narrative:
I filed several complaints with CFCP after having no luck getting them to correct the mistakes on my credit files. 
In response to filing the complaints, the credit reporting companies took vindictive action on my credit file. 
After the creditors reported the updated information, XXXX, and XXXX both reported the same account MULTIPLE times on my credit file making my credit file appear much worst than it is. 
Instead of being fair and honest companies, it seems the Credit reporting companies are petty and corrupt. 
Included is a copy of said closed accounts on my XXXX report. The information is similar to the same on my XXXX file. 
The report detail I include truncates so you can not see the account numbers but the are the same, over and over. 
Doesn't same fair to have the same charged off ( paid in full ) reported multiple times, with both varying correct and bogus infomation.

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 2021-09-26 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: GA

Complaint narrative:
I filed several complaints with CFCP after having no luck getting them to correct the mistakes on my credit files. 
In response to filing the complaints, the credit reporting companies took vindictive action on my credit file. 
After the creditors reported the updated information, Experian, and XXXX both reported the same account MULTIPLE times on my credit file making my credit file appear much worst than it is. 
Instead of being fair and honest companies, it seems the Credit reporting companies are petty and corrupt. 
Included is a copy of said closed accounts on my XXXX report. The information is similar to the same on my Experian file. 
The report detail I include truncates so you can not see the account numbers but the are the same, over and over. 
Doesn't same fair to have the same charged off ( paid in full ) reported multiple times, with both varying correct and bogus infomation.

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 2021-09-26 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: Kovo
State: NY

Complaint narrative:
I should not have not 1 negative thing on my credit my credit should be about XXXX points higher can you please delete everything on credit report that is reporting negatively incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MT

Complaint narrative:
Rocket Mortgage used robocalls and auto dialers to target me ( 56 calls ) ; which is illegal in the state of Montana. I don't believe the banker was licensed in Montana. The mortgage they offered me was very high cost, double their own advertised cost for an appraisal. It is quoted at {$200.00} to {$400.00} on the website, up to {$600.00} for a multi-family home. I was charged {$800.00} for a two-bedroom house, and could not get a reason for this from anyone. When I refused to sign the appraisal review waiver, the loan was stalled for a week. The banker and his supervisor both repeatedly misrepresented the three-day rule, insisting I sign the waiver or my mortgage would be " held up ''. When actually, obviously they wanted to bushwhack me with the true LtV at closing and stick me with mortgage insurance. Although I estimated my house value at $ XXXX they used the figure $ XXXX, skewing all estimates and obviously the LtV, which I was not privy to since I wasn't allowed to see the appraisal until after I had withdrawn my application. They tried to charge me 2.625 in points although my credit score was in the high 770 's and the interest rate offered for the loan was 3.375 % at a time when the overnight was hovering around 3 %. Title fees were {$2100.00}. It was even worse, I mean it was atrocious. Absolute refusal to negotiate the terms. The banker XXXX XXXX filled out the application with false information and attached my electronic signature to it. It did not include all sources of income, it didn't include my dependents. It listed no bank accounts or brokerage accounts as if I had no money or resources at all. On the very first day we spoke ( call # 46 ) they required a {$500.00} " good faith '' deposit to move forward, which I would like returned to me since they clearly never intended to offer me a mortgage in " good faith ''. I've discussed this with the banker, his supervisor, ( XXXX? ) and her supervisor XXXX XXXX, both over the phone and in emails with no help. I hope I'll be able to get help here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-26 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: GA

Complaint narrative:
I have disputed to have this account deleted from my credit report multiple times. 
The account was with XXXX XXXX XXXX  XXXX. 
The amount XXXX has been written off. 
Also the account is closed. 
Experian refuses to delete this from my credit report. 
The investigation did not last 30 days. 
I received my recent dispute investigation within 3 days. 
Experian is not investigating my disputes fairly.

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 2021-09-26 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: MD

Complaint narrative:
This debt was paid off and the debt collection agreed to remove and debt the account from my credit report. This negative adversity from this account is still reporting on my credit report. I have asked for XXXX XXXX to provide the following information : - credit insurnace - their relationship ( purchased by, debt collector or hired by another debt collector ) - payment history - charges w/signature - balance history - interest rate disclosure - pay-off disclosure For review and it has not been provided.

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 2021-09-26 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: MD

Complaint narrative:
This debt was paid off and the debt collection agreed to remove and debt the account from my credit report. This negative adversity from this account is still reporting on my credit report. I have asked for XXXX XXXX to provide the following information : - credit insurnace - their relationship ( purchased by, debt collector or hired by another debt collector ) - payment history - charges w/signature - balance history - interest rate disclosure - pay-off disclosure For review and it has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Title company XXXX admits to making mistake regarding improper deed transfer and won't assist with correcting the mistake they made. Hello, my name is XXXX XXXX I refinance my home on XX/XX/2018 the Title company calls me 9 months after refinancing my home on XX/XX/2018 to tell me they made a mistake and new deeds needed to be signed. I was instructed by the notary agent to XXXX sign my interest away on warranty deed and then instructed to sign another warranty deed getting my interest in the property back. The two deeds were signed and notarized on the Same Day. XXXX now shows as if I signed my property away where I'm still holding a mortgage. Although the title company admits they made a mistake they also said that I asked them to remove my name off title and deed??? I never asked to be removed from title or deed

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 2021-09-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
After a long battle with XXXX I managed to receive the title for my XXXX XXXX XXXX. But now another issue at the DMV. Seems like XXXX XXXX failed to declare the lease and sales taxes and the DMV clerk is stating that I own XXXX $ in sales tax. The taxes were paid per account closure which I will attach it. I called XXXX XXXX on XX/XX/XXXX from DMW and they said that the letter that states the taxes were paid is going to be sent in 10 business days which didn't happened. I called again XXXX XXXX on XX/XX/XXXX and asked about the status of this letter and they said it hasn't even been sent nor processed. The new customer representative promised me again another 10 business days and also gave me some sort of tracking # SR # XXXX. So we are 14 business days an no letter for me to have this transfer finalized. I don't know what else to do in order for me to have this letter in hand in order to finalize this transfer. The car has been paid off with XXXX XXXX since XX/XX/XXXX. Car Base Payment : {$22000.00} and Sale/Use Tax : {$1800.00}. I don't understand why it takes so long for such an easy task to be completed by XXXX XXXX team. They should be accountable for any late fees if DMV will decide that will need to be paid.

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