vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX for my Santander loan account. 
I want you to know that I understand my financial obligations, and if it werent for My financial institution locking my bank account for 90+ days, as well as a recent natural disaster in my area hurricane Ian , Id have an excellent repayment record. I made a mistake in falling behind, but since then, The bank has unlocked my accounts and released my funds and we are slowly recovering from the property damage from hurricane Ian. Since then, Ive had a spotless record of on-time payments, As well as meeting payment arrangement and catching up the status of the account.

Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on XXXX, XXXX, XXXX, XXXX, XXXX & XXXX. 

Thank you for your consideration, and I hope youll approve my request. 
Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Penn Credit reached out to me on XX/XX/2022 in regard to an alleged debt. According to their letter I had until XX/XX/2022 to reach out to dispute the debt. I sent a letter XX/XX/2022 certified with USPS. According to the tracking number, they received it on Friday XX/XX/2022 at XXXX XXXX. Even after receiving my letter on time, Penn Credit still placed an adverse mark on my credit report ( a collection ) on XX/XX/2022 which shows as opened on XX/XX/2022, a day before their letter was received by me. 

They have violated my consumer right as pursuant to 15 U.S.C 1692d ( 1 ) ruining my reputation/defamation of character of credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: NY

Complaint narrative:
This debt was put on my account on XXXX. I have looked this up in the amount of XXXX I live in XXXX XXXX XXXX XXXXo there is no way I can be at two places at once. 
this debt is from rent recovery on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
There is an unexplained {$470.00} charged that has no basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 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 an account without my written instructions 15 U.S.C 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 which antedates the report by more than seven years.

15 U.S.C. 1681s-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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
IN accordance with the fair credit reporting act, The last of account below has violated my federally protected consumer right to privacy and confidentiality under XXXX u.s.c XXXX XXXX XXXX XXXX XXXX XXXX  ..XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... XXXX XXXX XXXXXXXX Has violated my right.. 
XXXX u.s.c. XXXX section XXXX A, State I have the right to privacy. 
XXXX u.s.c. XXXX section XXXX A, section XXXX it also state a consumer reporting agency can not furnish a account with out my written instructions. 
XXXX u.s.c. XXXX c ( A ) ( XXXX ) section state no consumer reporting agency XXXX make any consumer report containing. 
XXXX u.s.c. XXXX section XXXX ( A ) ( XXXX ) 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.

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 2022-11-16 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: Prosper Marketplace, Inc.
State: ND

Complaint narrative:
Fraudulent inquiries on my XXXX credit report XXXXXXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX PROSPER/XXXX inquired XX/XX/XXXX XX/XX/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 2022-11-16 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: OneMain Finance Corporation
State: ND

Complaint narrative:
Fraudulent inquiries on my XXXX credit report XXXX XXXX XXXX inquired XX/XX/XXXX ONEMAIN FINANCIAL inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: CA

Complaint narrative:
I am a concerned Consumer, I have an account that was not properly verified on my consumer report, I sent a dispute and was. never notified of the results.

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 2022-11-16 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I asked for my account to be closed with the card issuer back in XXXX of this year. I am due a security deposit of {$500.00}, and have not received it yet. Each time I call, they give me the run around telling me to wait for the processing to to process my request. I called in XXXX and was advised the account wasnt closed because they sent me an email to confirm if I indeed wanted my account closed. I assured them that I wanted the account closed and wanted my security deposit back. This conversation happened XX/XX/2022. The representative advised me that I would receive a check in the mail within XXXX weeks. Today, I called to check on the check status being I did not receive the check, I was advised by the manager that the check was approved on XX/XX/XXXX, but it was not sent. The manager said that he sent another request today and I have to wait XXXX weeks. I feel this company is holding on to my money and wants me to give up.

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 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted Transunion asking them to remove inquiries that are on MY credit report. They have sent me things saying that the inquires were verified. I do not have any contracts with the companies. I have called the companies and they can not verify ANY information associated with me I would like to know what steps Transunion took to 'VERIFY ' this. They have not provided me with any proof once again. Please remove the following inquiries. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX/XXXX  XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXt XXXX XXXX ; XXXX  XXXX XXXXXXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX and ALL inquires up until XXXX XXXX. I have called these companies I do not have any contract with them nor have I applied for anything. If they say that I have please provide me with my autograph. If no PROOF can be PRODUCED and shown to me please DELETE These are reporting inaccurately on MY report. Please send me the communication and/or method used to verify this. Your website say to call and thats what I did I called the company when I called transunion I was told I needed to file a fraud report that is not what their website says. This here is my fraud report.

UCC1-308

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 2022-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Following our request for a payoff, RoundPoint Mortgage Servicing provided us a Payoff Statement of the subject loan on our house on XX/XX/2022, with a payoff date of on or before XX/XX/2022. On XX/XX/2022, the loan was timely paid in full with a payoff of {$480000.00}. 

Despite our requests RoundPoint Mortgage Servicing has failed and/or refused to provide to us or record a Satisfaction or Release of the subject mortgage even though they were paid in full with the full amount requested of {$480000.00}. 

We have now been informed that after being paid in full on XX/XX/2022, RoundPoint Mortgage Servicing fraudulently sold or transferred our consumer loan to XXXX Mortgage who is now seeking double payments and damaging our credit. We have demanded a Satisfaction or Release of Mortgage from Freedom Mortgage in addition to RoundPoint while showing the Payoff and Wire Transfer in the amount requested in the Payoff to both lenders with no response. 

In fact, after overpaying 7 days of interest and after an insurance escrow refund, XXXX XXXX and XXXX XXXX are owed a refund of {$1600.00}.

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 explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Berman & Rabin, P.A.
State: KS

Complaint narrative:
Kansas Taxes Of 2018 XXXX Offered. XXXX down Payment Option And Negotiate Weekly Of Monthly Payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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: OH

Complaint narrative:
I am a XXXX woman who worked very hard to purchase my first home. I also worked very hard to qualify for my interest rate of XXXX XXXX I made all of my payments on time for over a year including extra until XXXX. I found myself with my job 's hours reduced and thus struggling to make my monthly payments. I never fell behind. I applied and was approved for XXXX XXXX XXXX program through the state of Ohio. They agreed to pay my mortgage from XX/XX/XXXX through XX/XX/XXXX. Around the first part of XX/XX/XXXX, I contacted my mortgage company to inquire about the payment and mentioned if that payment was not made, I wanted to make it because I did not want my credit to be impacted. The mortgage company assured me that while I am in the program the mortgage company is not able to report late payments to the credit bureaus. Since I have been placed in this program, I am unable to view my account online, I am no longer able to make any payments on my account to protect my credit and the mortgage company has been reporting my mortgage as late for the last 3 months. My credit score, that I worked very hard to maintain, has tanked XXXX points. If I had known that this was going to be the outcome, I would have just worked more jobs and not asked for help. At the end of the program my credit is going to be shot. I would like some help in getting my credit report corrected. I have asked the mortgage company to do the things they say they are going to do and correct my credit report. I have gone through the credit bureaus and disputed the late payments, and the mortgage company is obviously stating they are accurately reported because they are never removed or updated. Please help me correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Volvo Car Financial Services U.S., LLC
State: FL

Complaint narrative:
Volvo Financial Services serviced my loan for my XXXX. My payment due date was the XXXX of every month. I paid the remainder of my loan off in XXXX XXXX XXXX 
After I paid my account in full, I pulled my credit report and saw they had marked me 30 DAYS PAST DUE on 4 occasions over 4 years. I went back through all of my payments made via bank statement. Only one of these payments was 30 days late and that was in XXXX. The other 3 payments were paid late but not 30 days or more. The most recent late payment on my report was for XX/XX/XXXX. Which I paid in full along with XXXX payment ( paid on XX/XX/XXXX ) That is a total of 18 days. That was my latest payment made. I called to address this with the customer service Dept. And a rep told me that because my payment for XXXX, which I paid early, on XX/XX/XXXX, that it was considered 30 days past due as of the XXXX. I explained that made no sense! My due date was the XXXX. How could it be 30 days past due as of that date? She argued with me and was not pleasant to deal with. I counted from the date it was due ( XXXX ) and the date it was paid ( XX/XX/XXXX ) and asked her to explain if that number is 18, how they consider it more than 30 days late? She did not have an answer to my question. Ive exhausted all options, and am trying to get my credit report to reflect accurately. I live in XXXX XXXX, have lost much from Hurricane Ian, and am in need of good credit to be able to rebuild my business. This is severely impacting me in a negative way. I am requesting XXXX, apply an actual day count to their reporting. 18 does not equal 30. And its false information at this point. I hope to have this resolved without getting an attorney or the state attorney involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 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 a account without my written instructions

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2022 I reached out to my banking institution regarding an email that I received from them asking if I was aware of a purchase that was made in the dollar amount of {$280.00} from XXXX. I selected the option no when I initially saw the email late night over the weekend. When I called on XX/XX/2022 and spoke to a bank rep I was told that that transaction along with two others in the amount of {$370.00} and XXXX from XXXX online  were pending and that in order to file a claim with them I would need to wait to see if they go through and are no longer in pending status. I then asked how much time I should allow before calling back to request a claim. I was told to call back on Thursday XX/XX/2022. I called back on that day and learned that the transactions went through and were posted to my account and requested a claim. I was then told that it can take up to 30 days for them to investigate. I then received an email on Sunday XX/XX/2022 stating that my claim was denied. I called immediately Monday morning when they were open to find out why and was told that it was because of when I filed the claim and also because the purchased were made a device that I approved. I explained that was impossible and asked them to submit another claim which I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXXXXXX : XXXX has violated my rights. 15 U.S.C 1681 section 602. A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 which antedates the report by more than seven years. 15 U.S.C 1681s-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 reachable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TX

Complaint narrative:
These accounts are inaccurate and do not belong to me, per 15 USC 1681c-2 I demand that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX I made a check deposit through mobile deposit banking. I was made aware that government check deposit funds into your account the next business day. However my check was placed on hold and I have been on the phone with customer service girls dept for 2 days straight. Ive spent over 8 hours on the phone being hung up on, told nothing can be done, or told they can do some thing but at certain times, Ive begged for them to call the correct departments that can verify my check but they say they cant. Then Ive called my branch that couldnt do anything other than to ask that holds dept contact the issuing bank, XXXX XXXX, the last 5 people Ive talked to said it was taken care of and home would be released within the hour. Well your came and went and no release still. I called back yet again and was told the senior department head declined my check release of funds!!!! I have never ever ever gone through so much ridiculous junk in my life and have absolutely no way out of. I was unable to get my check back from chase so that I could go to XXXX XXXX myself to cash it. Ive begged and pleaded and have been lied to, transferred, hung up on etc for 2 days straight. I will close this XXXX account and I will tell everyone I know on every social media platform how absolutely horrendous Chase bank is! I have to wait 10 days to get MY MONEY! What a complete and utter disgrace. The stress alone and caused me to get XXXX XXXXXXXX. I will never have anything to do with any Chase products of any sort.

Company response to consumer: Closed with explanation