vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CORELOGIC INC
State: GA

Complaint narrative:
Over the past 6-9 months I have worked tirelessly on improving my credit score. Close to a year ago, my score was approximately 540. 99 % of my low score was due to previous health issues and not the best health insurance. Unfortunately I could not keep up with these bills. Today, according the direct websites of XXXX, XXXX, and XXXX, my scores are in the 630 - 650 range. I also have a FICO score of XXXX. Since XXXX I have tried 3 times to refinance my home. Every time I have been told that the credit score I see when I go to these websites is not the same as the information being given to lenders by two specific credit reporting agencies. I do not understand how as a consumer I am supposed to use platforms like XXXX, XXXX, and XXXX to see if my credit score is where it needs to be to have the ability to refinance my home, then only to be told the information that is given to lenders does not match what I see in front of me. Every time I ask to have a lender look at my scores, this is considered a hard inquiry, and of course lowers my credit score. I understand there is a window given lenders, but if I go outside of it, it is considered a new inquiry. I am a single mom and work full time and do not have the time or ability to try and contact new lenders in a short period of time only to be told what I see in front of me, is not what the credit reporting agencies are telling the lenders. Even though, supposedly, they go to the same platforms I do, XXXX, XXXX, and XXXX. The difference in what I see and what I am told the reporting agencies see is over 50 points. To me, this is the difference between being considered for a loan and not. Attached are correspondence between myself and a lender. Image 002 is what I was seeing on my end and image 003 is what the lender was seeing on his end. I accessed the XXXX Website and he accessed the credit reporting agency, both of these actions done within an hour of each other.

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 2021-06-09 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: CA

Complaint narrative:
I would like to file a complaint with XXXX and Transunion. XXXX  is reporting two bankruptcies on my credit file and I requested for XXXX to follow the Fair Credit Reporting Act and investigate both of those bankruptcies for me. I am sending you the evidence that I actually disputed it with XXXX at least three times and each time they verified it incorrectly or they never verified it. as evidence the phone number that XXXX  claims that they called is actually a disconnected number on my credit report. I would also like XXXX to review my entire credit report and all my mortgages are paid on time. All my bills are paid on time there is no evidence of bankruptcy or my account would have shown that they are a part of XXXX XXXX or XXXX. I am asking XXXX for the last time to either verify them properly or by law you must remove anything that you can not verify after investigation and I would like to give him 30 days to verify or remove these two bankruptcies from my credit report. I'm a full-time XXXX and I have no extra time to dispute accounts with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
Loan officer over the phone stated that I did meet their standards to qualify for loan through their credit committee. That I needed to have money in order to borrower money was her words. Credit is over 790, on the job for 17 years no missed payments or issues with my creditors. Words used in describing her reason for verbally denying the application prior to it being submitted. She stated that I did not meet the standards for them to do my loan. I have more money in retirement account and savings than what I was applying for. This type of impact should not be allowed! Is this because I am an XXXX American male! She never asked me about my other savings accounts or retirement accounts. She just kept stating I did not meet their standards. What standards are you referring to that I am not wealthy enough to obtain a loan with your company? Openly overt thinking and impact on my integrity as a person was uncalled for. How is this 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 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
After my 2nd attempt to correct my address to include only one address, nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: SC

Complaint narrative:
There are items on my credit report that were supposed to be deleted in my bankruptcy and Experian wont delete them or let me submit a dispute

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 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
From XXXX until XXXX Monday thru Saturday AND Sunday ( everyday I get about 7 calls per day from various out of state numbers and now they call via an " unknown '' " private '' number ). 
I finally picked up one day and because the phone number said " unknown '' and they began to tell me how they would take garnish my wages and take the money and ruin my credit. So then, I tried to talk to him about a payment plan. 
The amount due is only about {$300.00} HOWEVER, the only payment plan he would provide was {$45.00} of 44 payments. 
So now im being threatened to have my money garnished, my credit ruined, my phone rung at all hours of the day and night or pay so much interest its unthinkable. 
I tried to come up with a way to pay them but after the threatening calls day and night I do not feel comfortable giving out private bank information. 
The calls should not be starting at XXXX and not evening til XXXX either on every single day of the week. 
Especially over {$300.00} which I just do not have to my name at the moment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX credit report shows unknown hard inquiry from Capital One/XXXX XXXX XXXX. I have never in my life been to a XXXX XXXX XXXX. XXXX refused to help and told me to contact Capital One. Capital One refused to help and transferred me back to XXXX. Now both are saying it is the other 's problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I pay my mortgage through my bank, XXXX bill payment, which has a one ( 1 ) day electronic payment process. Well by XX/XX/XXXX PHH still showed my mortgage had not been paid. I telephoned XXXX and they said the payment was received by PHH on XX/XX/XXXX. I telephone PHH and they indicated that they had not received the payment. I spoke to XXXX who indicated that it takes five days to process. However, XXXX indicated that because the payment is transmitted electronically, it is sent in one day. PHH reassured me that I had 15 days to pay before a late fee would be applied, however, I'm concerned that I am being charged interest on the amount that I already paid. I then notice that on the dashboard page it showed that my payment had not been received, however, when I check the payment activity it shows it was received on XX/XX/XXXX. I've made 5 mortgage payments yet the website says I've only made 4 payment. I received an email that indicated the payment was received on XX/XX/XXXX. Then I received an email saying the payment was received on XX/XX/XXXX. Over a 30 year mortgage, the interest charges could add up if my account is not credited in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
After my 2nd attempt to correct my address to include only one address, nothing has changed.

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 2021-06-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian credit report shows unknown hard inquiry from XXXX XXXX/XXXX XXXX XXXX. I have never in my life been to a XXXX XXXX XXXX. Experian refused to help and told me to contact XXXX XXXX. XXXX XXXX refused to help and transferred me back to Experian. Now both are saying it is the other 's problem.

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 2021-06-09 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: OH

Complaint narrative:
There are some creditors on my credit report that are not mine, or don't recognize. Additionally, there are addresses reported that do not belong to me. Please remove them immediately.

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 2021-06-09 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: OH

Complaint narrative:
There are some creditors on my credit report that are not mine, or don't recognize. Additionally, there are addresses reported that do not belong to me. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: GA

Complaint narrative:
Good Afternoon, I am reaching out because there is a collection account on my Transunion and XXXX Report. The account by XXXX XXXX XXXX is a fraudulent account. I have disputed this via Transunion, XXXX, and through themselves. I haven't received a response from them at all. I am requesting that this account be removed from my credit report asap. I have attached my police report. My next step is to retain an attorney to get it removed and to sue the bureaus. 

Also, this is me, XXXX XXXX XXXX, submitting this dispute. Everytime that I submit a dispute through here, they try to say that it isn't me. This is me and I would like this resolved asap.

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 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
My husband bought a {$10000.00} CD from Utah XXXX XXXX XXXX in XXXX. It has been in our safe deposit box. He died XX/XX/XXXX. He told me to get everything out of box when he passed. XXXX XXXX merged with Chase Manhattan. I called them to cash it. They said they couldn't find it in their files. They told me to check with unclaimed property. Nothing there. I want this found and {$10000.00} plus the interest it has been accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I reached out to Midland Credit Management regarding a debt they placed on my credit report via their website, to receive more information regarding this debt. 
Today I called them since I have not heard back from them and they refused to send me any written documentation regarding this alleged account. I was told by the customer service rep it was mandatory to give the last 4 of my social, when I stated all I wanted was written documentation and confirmed my mailing address and was willing to confirm my previous address as well. She refused to send me any written documentation. When I asked to speak to a supervisor I was told I needed to hang up and call back after being placed on hold for over 20 minutes. 
I have never received a phone call nor written documentation from this company so I am unaware of this alleged account that's associated with my XXXX account that was closed to suspicious illegal activity. I have not used my XXXX account since XX/XX/XXXX. 
I have never heard from this company so I do not have an account number and my XXXX account has since been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I ( XXXX XXXX ) had a joint bank account with my daughter ( XXXX XXXX ) in Chase. On XX/XX/XXXX we discovered that our account was closed. After contacting the customer service they did not disclose any information but they said that they decided to close my daughter 's account. 
Yesterday XXXX we received a mail from Chase dated XXXX indicating that there were two checks deposited electronically in our account paid to the name of my daughter ( XXXX XXXX ) for {$750.00} each. The checks were issued by XXXX XXXX XXXX and signed by XXXX XXXX. Neither I nor my daughter knows the company or the person who signed the checks and we did NOT deposit these checks to the account. The checks were returned and we were also charged a {$12.00} fee for each one of the checks, with a total of {$24.00}. 
The bank also verbally informed us that they have blocked my daughter from opening an account in the future in that bank. 
We have a copy of the checks and the letter from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: CA

Complaint narrative:
On XXXX I checked my so-called credit score and fount that 11 XXXX XXXX  has put fraudulent information about me a consumer supposedly owing them a debt in the amount of {$260.00} I am not sure as of why buy under 15 USC and 15 USC 1692i ect ect this is unlawful and as me being the consumer I want this fraudulent information off of my so-called credit report and I am seeking monetary relief. Ive never given this corporation any permission to share any of my personal information with anyone or any third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: I.C. System, Inc.
State: KY

Complaint narrative:
Filed previous complaint about XXXX icc system complaint cfpb # XXXX asking for debt to be sent back to the original creditor and cease their collection effort the resolution letter i received from icc system stated they would cease communication and and also terminate collection efforts. After the case was closed they have proceeded to continue collection and also added account to my credit reports even though they said they would not continue with collection efforts

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 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
I have had a home mortgage with Quicken, now Rocket Mortgage since XXXX. Every month I schedule a payment via their website. I scheduled a payment for XX/XX/XXXX. Somehow, the payment amount was taken from my XXXX checking account twice. I phoned Rocket and spoke to an agent and explained that a payment was taken from my bank twice. She requested and was given me routing number as well as account number. She stated that it could take as long as 7 days for my reimbursement. 
On XXXX XXXX I again phoned Rocket and spoke to XXXX, having not received my refund. She, once again, stated that it would take another seven days for a refund explaining that the first agent had not processed my request. She added that some " executive committee '' would first have to review my request. XXXX seemed upset when I asked what this " committee '' was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Credit Bureau, After checking my credit report with your company, I am notifying you that you need to update the account number of ( XXXX ) with the account name XXXX XXXX XXXX XXXX that the creditor is no longer a derogatory status that you are reporting. 

? = Data Point is QUESTIONABLE in its reporting I = Data Point is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of Metro 2 Five points of compliance! 
M = Data Point is MISSING and or is DEFICIENTLY reported as compared to what is most likely Information that SHOULDVE BEEN adequately reported! 
U = Data Point is else wise UNPROVEN. as reported! Undocumented claims can NOT be assumed valid nor compliantly report. 

I ask that you contact the creditor of XXXX XXXX XXXX and get my paying history corrected ASAP as its causing me issues with my credit score. Send me an updated credit report with 15 days when correction has been applied. My address is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX ). 

Thank you for your attention,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I received a {$10.00} virtual visa gift card after I filed a survey about XXXX  products. Upon activating that card I was unable to use it because it was constantly declined. I called to its customer service at XXXX, and my waiting time was constantly changing every time I was next on the que, so after several hours of waiting I was still unable to talk to the customer service. I also wrote a complaint to XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX, TX XXXX and nobody responded. That prepaid visa card is a total fraud.

Company response to consumer: Closed with explanation