vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Good Afternoon, My mortgage company was initially Ocwen Mortgage who now changed to PHH Mortgage Questions. I own two multi family properties with the same mortgage company and I continue to be charged an additional online payment charge for only one of my homes whenever I make an online payment. I called the Mortgage Company numerous times regarding this additional {$7.00} fee and they stated it is because one of my mortgages was not setup for paperless billing. I signed up both mortgages/homes for paperless billing and have not received a mortgage statement by mail for months, but continue to get charged this fee. Last month I complained again, and was told it would be fixed and I went to pay one of my mortgages again online and was charged this fee which I was promised would be fixed right away. Note I have not received a paper bill in the mails for several months. 

Today, XX/XX/XXXX I made a payment online for one of my mortgages and selected on my own paperless billing. I never received a notice of any sort stating that if I don't enroll in paperless billing I would receive an additional fee for making a payment ON TIME online. On the website it doesn't indicate to enroll in paperless billing to avoid the fee. They have been ripping me off and I'm sure others for months. I know {$7.00} or {$8.00} may not seem like a lot but over the course of several months it starts to add up. This mortgage company has continued to say that they fixed the problem on their end and I would be refunded for the fee and see the change, but that hasn't happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: FL

Complaint narrative:
upon reviewing my credit reports i noticed a few charges on my reports that i did not give anyone authorization to use my information. Please update my accounts and remove them from my credit report. This is a fraud, and it needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXX of this year I became a victim of credit card fraud. My XXXX credit card was compromised. Fraudulent balance transfers in the amount of {$91000.00} were made against my XXXX credit card account with a credit limit of only {$6700.00}. I disputed the frudulent balance transfers immediately. I was asked to make and have made minimum payments on the fraudulent charges to avoid derogatory remarks on my credit report. XXXX XXXX then reported the fraudulent balance to the credit bureau and my credit score dropped 100+ points in XXXX of this year. I am in the 4th month of waiting for resolution and for my credit to be restored.

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 2020-09-12 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received a letter from this company on XX/XX/XXXX in response to a validation of debt ( dispute of the debt ). Attached was an enclosed copy of a Health Insurance Claim form XXXX which indicates the Name of the Referring Physician ( line 17 ) and Diagnosis code ( line 21 ). This letter is in attempt to collect on a past due medical debt. This is a violation of HIPAA Privacy Law. My medical information should not be shared without my permission to any third parties. I did not receive services from Credit Collection Services and have no contractual obligation to them. Any billing details including diagnosis has been shared in violation of my rights. 

On XX/XX/XXXX I made a phone call to the company, the call was recorded and requested an email address to send a letter in writing. I was denied an email address to send communication. I have requested verbally that communication and collection efforts must immediately cease and this item be removed from my credit report. The representative claims that the company is not at fault.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2020-09-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
American Honda Finance is reporting incorrect information on all three of my credit reports. The account is paid in full! and was closed over 10 years ago and they are reporting false information at this time. I want this false information removed immediately. 

Their contact information is XXXX XXXX  XXXX ga XXXX XXXX account number ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: Santander Consumer USA Holdings Inc.
State: NH

Complaint narrative:
Santander claims that there were late payments for 3 months. No payments were ever made late. Santander corrected credit report, but instead of removing incorrect negatives they said I was late for {$0.00}. It is not possible to be late {$0.00}. I have repeatedly contacted all the credit bureaus and Santander with no change. Santander has also reported different months for the late payments for each credit bureau. One credit bureau says XXXX, XXXX, XXXX. Another says XXXX, XXXX, XXXX. There is not consistency, which seems to show that it is not correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: FL

Complaint narrative:
upon reviewing my credit reports i noticed a few charges on my reports that i did not give anyone authorization to use my information. Please update my accounts and remove them from my credit report. This is a fraud, and it needs to stop!

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 2020-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I filed a dispute about a charge on my credit card. Company Was XXXX XXXX for {$71.00} and they did a rebill for this. I sent documents to Chase in regards to a conversation I had with XXXX about this charge. They still have not credited my account back. I have also sent them messages in regards to this as well and have not heard from anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
My first mortgage is with PenFed. My payments are on autopay through my bank. I have never missed a payment or made a late payment. In fact, I make my full payment plus principal payments every month. Recently it looks like PenFed updated its online account dashboard. I logged in and noticed my account said that my XX/XX/XXXX payment shows past due even though it also shows they received a payment from me on XX/XX/20. The problem is they applied my XX/XX/XXXX payment as " OTHER ''. Clearly their error, but I have tried to call PenFed every day from XX/XX/20 - XX/XX/20 to get it corrected. The call wait times ranged from 198 minutes to 84 minutes. I have tried to contact PenFed by email and secure messages through my online account. After a full week of trying I still have no response from PenFed!! My account continues to show  past due and there seems to be no way for me to get ahold of anyone for help. I tried other phone numbers on their website and spoke to their answering service who explained they have large call volumes due to low rates. What about their current customers?? They still need to service their existing customers and after a full week of trying to get someone ( anyone ) to help me, I feel like I have no other option than to file a complaint.

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 2020-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Satander USA this is terrible 17 charge offs for a company being sued in 34 stares. If we had a XXXX in this would have been settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12 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: NC

Complaint narrative:
I called XXXX approximately XX/XX/2020 and requested information concerning the debt which they claim I owe them. XXXX refused to tell me anything about the alleged debt. I filed several disputes with Equifax concerning XXXX over the past year. each time I file the dispute there was no evidence submitted which proves that I owe the debt but Equifax still closed the dispute without proof that I owe the debt. Equifax kept the debt on my credit report. In retaliation XXXX reported monthly causing my credit score to plummet. Again on XX/XX/2020 I filed another dispute against XXXX. On XXXX XXXX I was notified that Equifax decreased my credit score by 29 points. Equifax cited derogatory remarks from XXXX as the change which caused the drop in my score. I called Equifax to ask them how could they decrease my score based on inaccurate information which is also in the dispute process. I was bounced around from person to person for about an hour. then I was simply hung up on. There has been no resolution to this problem and it has hurt my credit very much. No proof of debt owed has been provided by XXXX. I don't understand how Equifax is allowing this to occur. This is a total violation of FCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
XXXX claims that there were late payments for 3 months. No payments were ever made late. XXXX corrected credit report, but instead of removing incorrect negatives they said I was late for {$0.00}. It is not possible to be late {$0.00}. I have repeatedly contacted all the credit bureaus and XXXX with no change. XXXX has also reported different months for the late payments for each credit bureau. One credit bureau says XXXX, XXXX, XXXX. Another says XXXX, XXXX, XXXX. There is not consistency, which seems to show that it is not correct information.

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 2020-09-12 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: NH

Complaint narrative:
XXXX claims that there were late payments for 3 months. No payments were ever made late. XXXX corrected credit report, but instead of removing incorrect negatives they said I was late for {$0.00}. It is not possible to be late {$0.00}. I have repeatedly contacted all the credit bureaus and XXXX with no change. XXXX has also reported different months for the late payments for each credit bureau. One credit bureau says XXXX, XXXX, XXXX. Another says XXXX, XXXX, XXXX. There is not consistency, which seems to show that it is not correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
XXXX claims that there were late payments for 3 months. No payments were ever made late. XXXX corrected credit report, but instead of removing incorrect negatives they said I was late for {$0.00}. It is not possible to be late {$0.00}. I have repeatedly contacted all the credit bureaus and XXXX with no change. XXXX has also reported different months for the late payments for each credit bureau. One credit bureau says XXXX, XXXX, XXXX. Another says XXXX, XXXX, XXXX. There is not consistency, which seems to show that it is not correct information.

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 2020-09-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
The accounts that are not mine which should be deleted are : XXXX  CARD account number XXXX As you will see, many of these accounts have the same opening date. As you will also see from a review of my full credit history, before these accounts were opened, I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2020-09-12 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
The accounts that are not mine which should be deleted are : XXXX  CARD account number XXXX As you will see, many of these accounts have the same opening date. As you will also see from a review of my full credit history, before these accounts were opened, I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Pulled my credit report and seen an account that does not belong to me. I believe this an act of fraud and will need the fraudulent account removed. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
Account : PORTFOLIO RECOVERY ASSOCIATES, # XXXX

Company response to consumer: Closed with explanation