vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit score took a 67 point decrease and showed a hospital derogatory of around {$15000.00} being the cause. I called the hospital and was told that they did not report to credit agencies and there was a mistake? after days of applying for SBA assistance loans and being declined because of this showing up I went to pull my report where the derogatory was so I could send to the hospital proof that someone had posted it??? 
The derogatory with hospital in the filers name was not there?? this sounds like something crooked going on??? and it seems that all the bureaus hide behind a cost to me to fix their mistake!!! I can not contact any of them to even inquire??? 
can you help

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 2020-05-20 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: AR

Complaint narrative:
I was informed by my salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

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 2020-05-20 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: AR

Complaint narrative:
I was informed by my salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

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 2020-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: OK

Complaint narrative:
This is my 3rd attempt to get this resolved. The collection is lying about the date of last activity. I have uploaded an old credit report to prove the date of last activity. They are lying about this. Plus this is what the FTC says about collections : Collection accounts stay on the credit report for seven years from the original delinquency date of the original debt, or the date of the first missed payment after which the account was no longer brought current. You may see both the collection account and the account with your original creditor on the credit report. 

I have attached a copy of my credit report from XXXX showing the correct date of last activity ... again. You have no documentation proving anything has been done with this debt other than it being sent to you ... that does not constitute a change. 

This debt will be 7 years old in XXXX, XXXX and what the collection agency is doing is against the Fair Debt Collection Practices Act. If this is not corrected or deleted i will be filing a complaint with the Federal Trade Commission against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a consumer affected by Corona virus pandemic. I've lost my job as a result. My lender is JP Morgan Chase. I contacted Chase to set up a deferral of mortgage payments for 90 days. Chase offered me the deferment. 

After around 60 days, I received a letter from Chase stating that my loan was sold to a third party provider, XXXX XXXX XXXX XXXX XXXX ( XXXX ), and that my mortgage payment will be due to XXXX starting XX/XX/2020. The letter states that, albeit my payment to XXXX is due on XX/XX/2020, XXXX will send me a letter with a new loan number and other " important '' information on XX/XX/2020. 

In addition, now I've received email from Chase stating that my statement balance to Chase due on XX/XX/2020 is in the amount of {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I am behind on my mortgage which I take responsibility for. I have been trying to work with PHH Mortgage to get a loan modification. First, when I called the " relationship manager '' I was assigned in the papers that they sent to me, she told me she was not my manager and shuffled me off to someone else. I think I have had at least 4-5 relationship managers since starting the modification process. One only had one appointment available to talk and nothing else. They gave me a high modification payment that was based off my income plus child support. My ex husband does not pay his child support regularly and I tried to discuss that with them ( at that time he was three months behind ). I asked several times to talk with a manager and always received and excuse ( they were busy, all in meetings together, would call me back ), and never received a call back from one. I paid my XXXX modification payment in full. XXXX was when Covid hit Nevada. I was {$300.00} short for my XXXX payment due to missing a few days of work due to boss not having work for me and another day or 2 due to my elderly grandmother quarantining and not being able to watch my girls as usual. I wrote them a letter with my payment explaining as well as filling out their form online for Covid help. I paid XXXX XXXX   payment plus the {$300.00} from XXXX. I received an email last week stating I did not qualify for Covid relief and then this week I received papers stating the reversed my modification back to a {$1600.00} a month payment. I am a single mother that works and XXXX XXXX XXXX. I want to keep my house and am asking for them to work with me, which they do not want to do. I did some research and they have had a class action lawsuit filed against them for dual-tracking which I believe is what they are trying to do to me as I have around {$35000.00} of equity in my home. I called the XXXX XXXX XXXX  and they have an F rating with them and was told to file complaints with several other entities. I just want some help reaching a fair modification for my loan. I would also, like it noted that this was originally an 80/20 loan with the second having over a 10 % adjustable percentage rate and that I paid that loan in cash from my settlement and that should show that I am trying to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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:
pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: NJ

Complaint narrative:
I am sending this complaint because a charge-off and collection account with XXXX XXXX XXXX account number XXXX has hit my credit report when this account is a business account under XXXX XXXX, EIN XXXX. The issue with this is not the ownership or the debt, but the fact that a business debt that was established an paid for by the business who was also issued a Corp Code with the DMV in the State of NJ to register this vehicle, has affected my personal credit report and even though there was exceptional payment history, your company has chosen to destroy my credit rating by inaccurately reporting this account as a charge-off which is a violation of the Fair Credit Reporting Act. I would ask that your company furnish the document and phone records that show you have previously attempted to have me rectify this debt and also provide documentation that substantiates the debt that is being reported. I also received a letter from a XXXX XXXX XXXX XXXX XXXX that is currently being reviewed for any violations of the Fair Debt Collection Practices Act, and if there is, I would be entitled to {$1000.00} per the FDCPA and any statutory damages that I have suffered as a result of this account being reported on his credit report. The account was previously disputed and marked as resolved and accurate. But after I receive documentation of this account that shows inaccuracies, that will also mean we would have violations of the FCRA which would bring other issues.

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 2020-05-20 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: NJ

Complaint narrative:
I am sending this complaint because a charge-off and collection account with XXXX XXXX XXXX account number XXXX has hit my credit report when this account is a business account under XXXX XXXX, EIN XXXX. The issue with this is not the ownership or the debt, but the fact that a business debt that was established an paid for by the business who was also issued a Corp Code with the DMV in the State of NJ to register this vehicle, has affected my personal credit report and even though there was exceptional payment history, your company has chosen to destroy my credit rating by inaccurately reporting this account as a charge-off which is a violation of the Fair Credit Reporting Act. I would ask that your company furnish the document and phone records that show you have previously attempted to have me rectify this debt and also provide documentation that substantiates the debt that is being reported. I also received a letter from a XXXX XXXX XXXX XXXX XXXX that is currently being reviewed for any violations of the Fair Debt Collection Practices Act, and if there is, I would be entitled to {$1000.00} per the FDCPA and any statutory damages that I have suffered as a result of this account being reported on his credit report. The account was previously disputed and marked as resolved and accurate. But after I receive documentation of this account that shows inaccuracies, that will also mean we would have violations of the FCRA which would bring other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: NJ

Complaint narrative:
I am sending this complaint because a charge-off and collection account with XXXX XXXX XXXX account number XXXX has hit my credit report when this account is a business account under XXXX XXXX, EIN XXXX. The issue with this is not the ownership or the debt, but the fact that a business debt that was established an paid for by the business who was also issued a Corp Code with the DMV in the State of NJ to register this vehicle, has affected my personal credit report and even though there was exceptional payment history, your company has chosen to destroy my credit rating by inaccurately reporting this account as a charge-off which is a violation of the Fair Credit Reporting Act. I would ask that your company furnish the document and phone records that show you have previously attempted to have me rectify this debt and also provide documentation that substantiates the debt that is being reported. I also received a letter from a XXXX XXXX XXXX XXXX XXXX that is currently being reviewed for any violations of the Fair Debt Collection Practices Act, and if there is, I would be entitled to {$1000.00} per the FDCPA and any statutory damages that I have suffered as a result of this account being reported on his credit report. The account was previously disputed and marked as resolved and accurate. But after I receive documentation of this account that shows inaccuracies, that will also mean we would have violations of the FCRA which would bring other issues.

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 2020-05-20 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I was charged {$59.00} for a XXXX  from Delta and I disputed the charge. While it was being disputed, I paid the charge to avoid having a balance on my card. I also tried to work with the company and they agreed to issue me a credit of {$59.00}. So now I have paid the {$59.00} charge and Delta issued me a {$59.00} credit and have a credit balance of {$59.00}. For two months I got a statement of a credit balance on my account. 

When AMEX closed my dispute, the removed the {$59.00} credit balance and took it, leaving me with a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX i received a letter from Caliber Home Loans that my application was declined for multiple issues none of which are correct or true. On top of it i never contacted Caliber for anything, let alone a mortgage refinance. They never got my acknowledgement or approval to pull my credit. My identity may be compromised because of this and they have not responded to my emails asking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: SD

Complaint narrative:
I have contacted Shellpoint Mortgaging several times by phone and some email to resolve this issue. I just need the lien release paperwork and title for the payoff off on this mortgage. The buyer 's paid this loan off effective XX/XX/2020. I can not find anyone to contact at this company that will get this resolved for me. I was told on one phone call that this could take 60-90 days, I was told on XX/XX/2020 that the paperwork was going in the mail on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
On XX/XX/20 I checked my account as usually and it started I had XXXX available credit. I paid everything off the previous month so I knew this was incorrect. I called the company and input my information and the automated system said the account was closed. I called back to speak with a rep and I was told they couldn't tell me why the account was closed and that they will not reopen. This is very unfair. I received no letters or anything. I did notice them checking my credit unauthorized and they kept dropping my credit limit. It went from XXXX to XXXX in a matter of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: CA

Complaint narrative:
pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed as soon as possible.

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 2020-05-20 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: CA

Complaint narrative:
pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed as soon as possible.

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 2020-05-20 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: WI

Complaint narrative:
Had 2 credit cards from XXXX Experian lowered my score so I called to find out why,,,, the representative said because I used XXXX $ of credit on a credit card that had a balance of XXXX . I ask how can I have no late payments, XXXX $ of unused or available credit and have my score changed from XXXX to XXXX. This was 2 years ago I asked her for a supervisor or complaint department. She put me on hold for hours and would then hang up when I called back she gave me a fake reporting email. Since then either my husband or myself always have a negative score from experian. Now we would like to refinance with the current low interest rates. But experian gave refinanced company a very low score. Said that to many credit inquiries for the month. My husband has not had 1 credit inquiry except for the refinancing. Many time the score at experian. Reports that we owe 2 more then we owe on our credit card and then the low score. 2 years I have been putting up with this because of disagreement with experian representation. Fead 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 explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
I sent my self funds to my Fulton Bank ET AL account XXXX from my bill pay at XXXX XXXX. XXXX md sent check out XX/XX/2020   with a date of XX/XX/2020 as the latest date for check to be received & at Fulton Bank ET AL. I have utilized Fulton Bank ET AL 's online message center and have sent them MORE then 4 messages seeking for the XXXX XXXX bill pay check to my self to be credited with NO RESPONSE from Fulton Bank ET AL. I have encountered other problems with Fulton Bank ET AL during the Time I have been seeking to have my XX/XX/2020 check from XXXX XXXX for {$20.00} posted to my account ending XXXX PLUS INTEREST for their error. I have even send them a screenshot from my online ( internal ) message to XXXX XX/XX/XXXX in attempts to get proof Fulton Bank ET AL received & cashed this same check. I have enclosed copy of the check. XXXX XXXX is fully aware that the account numbers to be paid/deposited into is NOT PRINTING on their bill pay checks. Yet with this fact being FULLY DISCLOSED TO FULTON BANK ETAL, THIS DOES NOT RELIEVE THEM OF THEIR CULPABILITY NOR LIABILITIES NOR DIMINISH MY RIGHTS, IN ANY WAY SHAPE FASHION NOR FORM, WITHOUT TIME LIMITATIONS. In one of my online messages thru Fulton 's online banking message I asked about two issues, 1 being this XX/XX/2020 check from XXXX XXXX to myself sent to Fulton, 1 issue regarding pending electronic check deposit for my auto insurance. Fulton 's representative addressed my auto insurance pending electronic deposit and TOTALLY & COMPLETELY AVOIDED THE XX/XX/2020 CHECK FROM MYSELF AT XXXX XXXX TO MYSELF AT FULTON BANK ET AL DATED XX/XX/2020. I AM ENCLOSING WITH THIS COMPLAINT PROOF FULTON BANK RECEIVED AND CASHED MY CHECK FROM XXXX XXXX & PROOF FULTON BANK ET AL 7 HAS NOT POSTED THE FUNDS TO MY ACCOUNT ENDING XXXX. Their app for online from my mobile device NEVER SHOWS any messages SENT TO FULTON BANK ET AL.!!

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