vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
My husband was contacted by loan depot by phone rough the week of XX/XX/XXXX saying the interest rates were low and if we were interested in Refinancing.. He was in the hospital so he told the gentleman that he could not talk to him because he was under the influence of narcotics. 
On XX/XX/XXXX, around XXXX XXXX. My husband received another call for Loan Depot from XXXX. My husband said he was going to block the number what did I think. I said call him back, I check my score this morning and it was good. My husband call XXXX back and XXXX asked for my husband 's Social Security number and the gentleman told him that he did not qualify because of his XXXX salary he did not make enough to do file, but he could run my numbers. So my husband allowed me to enter the conversation with XXXX on the phone. The only reason I allowed the the gentleman to run my numbers is because I had checked my numbers that morning. I knew what my Credit Score was. I hung up from XXXX ; about XXXX XXXX cst I gave the gentleman all of the information he requested. When I gave him my birthday, he commented that I was the age of his mother. He told me that I sounded like I was his age in my XXXX 's. I sounded very young. He asked my why I wanted to refinance. I told he I was interested in paying off my loan early and reducing my payments. He said he believed that that he could get me between 2-3 % interest rate for 10 - 12 years, but we needed to act fast. He said he would call back in about an hour. XXXX called back about 75 minutes later. My husband had him on speaker phone, so my husband, my XXXX XXXX and myself could hear the conversation. He told us that my credit score was not acceptable. He said my credit score was XXXX and I needed it to be at least a XXXX. I told he I had checked that morning and I knew that my XXXX  numbers were higher. I ask how when I login to my XXXX  account my numbers were different from his, he said he did not know but those were the numbers he received. My husband and I said ok and we hung up. I went strait to my computer and check XXXX, XXXX  and XXXX  and none of my scores were in the XXXX 's. So I sent XXXX an email. Attached is the email I sent to XXXX. 

I have not heard from XXXX, his manager or anyone for Loan Depot. 

This is unacceptable. You lie about my credit score when I know them to be different. 
This is why I am filing a complaint against Loan Depot. I believe they falsified the numbers so they would not have to give me the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a dispute on XXXX XXXX and I have not heard anything from Transunion, XXXX  or XXXX regarding my disputes. 
I am disputing : Chapter XXXX bankruptcy chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX  late payment XXXXXXXX XXXX XXXX unauthorized Inquiry XX/XX/XXXX XXXX  XXXX unauthorized INQUIRY XX/XX/XXXX XXXX  XXXX credit unauthorized inqury XX/XX/XXXX XXXX XXXX XXXX unauthorized inquiry- XXXX XXXX XXXX XXXX XXXXXXXX unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Incomplete and unverifiable XXXX XXXX  XXXX Inaccurate & imcomplete

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 2021-08-11 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: NY

Complaint narrative:
I submitted a dispute on XXXX XXXX and I have not heard anything from XXXX, XXXX  or equifax regarding my disputes. 
I am disputing : Chapter XXXX bankruptcy chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX  late payment XXXXXXXX XXXX XXXX unauthorized Inquiry XX/XX/XXXX XXXX XXXXXXXX unauthorized INQUIRY XX/XX/XXXX XXXX  XXXX credit unauthorized inqury XX/XX/XXXX XXXX XXXX XXXX unauthorized inquiry- XXXX XXXX XXXX XXXX XXXX unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Incomplete and unverifiable XXXX XXXX  XXXX Inaccurate & imcomplete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: MA

Complaint narrative:
It seems Experian is reporting in my Credit Summary that I had 3 late payments ( see uploaded document ). My credit report ( also uploaded ) states that there were 2. On XX/XX/XXXX my Experian credit score drop 15 points due to this erroneous and damaging reporting. My XXXX  and XXXX  reports show I have an excellent credit score so Im not sure why Experian would be reporting negative information. On XX/XX/10 I submitted a dispute regarding this but it appear what I reported was ignored and the dispute closed. The negative reporting is effecting my ability to use my good credit rating to achieve employment and housing.

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 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA

Complaint narrative:
I began the process of a mortgage refinance in XX/XX/2021. Two key individuals I was working with suddenly disappeared, eventually I was contacted by two new individuals and I had to resubmit many of the same documents like starting over. Discussions and agreements with the prior individuals did not carry over to the new ones. The entire process has been confusing and highly frustrating. I FINALLY signed the closing documents on XX/XX/XXXX, both my current mortgage and auto loans were to be paid in full. Neither has yet occurred. Ive received no communications regarding status. I emailed them on XX/XX/XXXX requesting status update, no response from either. Today I called and left voicemails and emailed them and another individual involved with the loan process. I am very worried. Ive never done a mortgage refinance that involved so many problems and took 8 months ( and counting ) to complete. This one is still not complete. I can not reach anyone. Im very worried.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Whom this may concern I have been writing, calling and crying about these so called late payments! I keep getting letters saying that its not my sending these request. I have sent my passport. my id, XXXX bill and my ssn card at this point someone can take my identity. I have asked all of the bureau 's and the department of education to provide proof of me ever being late. Please remove all late payments and change the payment status to current because of the Cares Act for my prior request has falling on death ear and this is a violation that no one seems to care about but me ...

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 2021-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
This past XX/XX/2021, I was forced to file a complaint against Banco Popular de Puerto Rico in relation to a mortgage loan. In short, the bank miscalculated the monthly payment amount and refused to correct it despite my best efforts to get them to do so. In the meantime, I continued to make the payments as indicated by the bank despite having informed them that the amounts billed were incorrect and after having to file a complaint with CFPB because of it. 

On XX/XX/2021, Banco Popular 's XXXX XXXX XXXX XXXX, Escrow Analysis Supervisor, Mortgage Servicing Division, replied to the complaint indicating, among other things : " We apologize for any inconvenience this situation may have caused you and trust that this response addresses the issues presented in your complaint. BPPR carefully reviewed your allegations, as well as its own records, and determined to reimburse the amount of {$570.00} related to payments you completed in XXXX and XXXX associated to your mortgage insurance. [ ... ] We trust that the preceding response addresses the issue presented in the referenced complaint. Should you have any further questions, please do not hesitate to contact the Escrow Administration department at ( XXXX ) XXXX. '' ( See copy of BPPR 's response attached. ) Based on the said response I, in turn, indicated that, subject to verifying receipt of the reimbursement check, I was satisfied with the same. The complaint was closed. 

Since then, 34 days have passed and I have not received the reimbursement check. I tried reaching Ms. XXXX XXXX XXXX XXXX at the number provided in her response but it turns out that number is for a fax machine at the bank that no one answers. The number provided is a " dead end ''. After much time and effort navigating through customer service and even the legal division and executive offices of the bank, I was able to leave a message for Ms. XXXX and she eventually called me back. She indicated she does not know what happened and that she suspects the check got lost. 

However, during that same time I have timely received notice of the payment due on the mortgage at the same address listed for the account and to which the check should have been and was allegedly addressed. ( See attached. ) I am yet again forced to file a complaint due to the bank 's inaction and obstinate refusal to address and correct their own mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Contacted Chase bank after noticing I was charged twice for a XXXX ride on my XXXX XXXX card and on my Chase debit. I was told by a rep. to walk into my local branch with the proof of print out from XXXX. I get there, I'm treated like criminal, I was refused from making a deposit and I was told by management after requesting for a manager that there no way she can contact the dispute unit. I was then asked for my debit card, ID. I was laughed at by bank employees. I knew she was lying, I was just being rejected for services because the bank assumed was lying or something .I had to deposit my money at the ATM because all the bank employees was in a group as if i'm an criminal.I was just released from the hospital for XXXX and XXXX, I'm taking XXXX. You know how embarrassing it is to be denied help and to stand there and have a ***** break down in front of strangers over {$16.00} overcharge by someone else on my account. Chase discriminated against all the time denied credit by Chase for no reason, all my bills are paid thru Chase. All my income is trusted with Chase but I'm not a good enough for equal services. I was denied by Chase for a XXXX card under XXXX XXXX and still don't know why. I know why because I'm XXXX!! I being XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This collection company has yet to provide PROOF that this debt is mine. They can not furnish proper validation because this debt doesnt belong to me, Ive never signed for a CC with the original company. Ive reached out to the collections company asking for proof, Ive called and spoken to someone they just say they have but havent. This is impacting my overall perfect credit score in such a negative way because they know its not mine, yet theyre trying to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: KS

Complaint narrative:
Starting XX/XX/2021 case number XXXX i email Credit karma @ XXXX this case was regarding the deactivation of my debit card there was no explanation given. On XX/XX/2021 my spend account and savings account was randomly closed with no explanation I was told credit karma has the right to close accounts on their discretion XX/XX/2021. On XX/XX/2021 case number # XXXX i was completely locked out of my credit karma account with no explanation provided as to why. I have made several attempts to resolve thee issue with no sufficient explanation. I contacted a lawyer and out lawyer sent credit karma a letter to resolve the above said matters on XX/XX/2021 after our attorney followed up with us to inform us XXXX XXXX has not followed up with XXXX  ; XXXX XXXX XXXX, XXXX, and me we are seeking your help in making attempts to provide aid in assisting US in the above said matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Escrow Inc
State: TX

Complaint narrative:
I have had 2 refi expire because escrow inc has failed to provide a payoff letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: MO

Complaint narrative:
In the past, I've had several student loans from the US Dept of Education from XXXX. Over time my student loans have been transferred to XXXX, XXXX, and XXXX. I am currently consolidated with XXXX, and the previous loan servicers XXXX and XXXX are reporting my loans with the correct status, which is paid in full consolidated. US Dept of Education is reporting my student loan as Paid/collections, and this is simply incorrect. I have not done business with this loan servicer in over a decade, and this incorrect information prevents me from purchasing a home. I have spoken with two customer service representatives from the US Dept of Education and a supervisor resulting in no resolution.

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 2021-08-11 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: MO

Complaint narrative:
In the past, I've had several student loans from the US Dept of Education from XXXX. Over time my student loans have been transferred to XXXX, XXXX, and XXXX I am currently consolidated with XXXX, and the previous loan servicers XXXX and XXXX are reporting my loans with the correct status, which is paid in full consolidated. US Dept of Education is reporting my student loan as Paid/collections, and this is simply incorrect. I have not done business with this loan servicer in over a decade, and this incorrect information prevents me from purchasing a home. I have spoken with two customer service representatives from the US Dept of Education and a supervisor resulting in no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: MO

Complaint narrative:
In the past, I've had several student loans from the US Dept of Education from XXXX. Over time my student loans have been transferred to XXXX, XXXX, and XXXX  I am currently consolidated with XXXX, and the previous loan servicers XXXX and XXXX  are reporting my loans with the correct status, which is paid in full consolidated. US Dept of Education is reporting my student loan as Paid/collections, and this is simply incorrect. I have not done business with this loan servicer in over a decade, and this incorrect information prevents me from purchasing a home. I have spoken with two customer service representatives from the US Dept of Education and a supervisor resulting in no resolution.

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 2021-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
My cashapp name was somehow changed. I would like to access my original account as I believe I have money in it, and want to see my transaction history. I contacted Cash app repeatedly and this is the response I received. 

On Wed, XX/XX/2021 at XXXX XXXX Cash Support XXXX wrote XXXX Hi XXXX, My name is XXXX and I am the manager at Cash App Support. I understand that you are having issues with Accessing an Account. 

After reviewing your case, I can confirm that your request to access this account was not approved. For security reasons, we can not reverse this decision and are unable to provide additional details. 
-- -- - So Cashapp is denying and blocking my access to my own account! And taking my money! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Financial failed to make good faith effort to verify my information before closing my account without reason or notice : Discover promised to allow 10 days for my info to be received and verified but did not. 

In XXXX, I made a single withdrawal at a casino for {$500.00} and shortly thereafter Discover Financial requested I submit a 4506T. I submitted it the same day with my mailing address which differs from my home address. Both addresses appear on my credit report. Both my condo and my XXXX  XXXX  are in the XXXX zip code. 

After 5 days, Discover financial requested a revised XXXX which I submitted immediately. 

Finally, they closed my account without notice it reason and refused to provide info during subsequent phone calls. 

I have proof of income, tax returns, excellent credit, and do not engage in any type of illegal activity nor do I gamble. 

Discover Financial did not make a good faith effort to verify my information and closed  my account, adversely affecting my credit score and financials, dropping my score from XXXX  to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have disputed a charge that was paid off months ago several times through XXXX and directly with Midland Credit Management. I have uploaded the letter from the law firm Midland hired to collect the debt ( XXXX XXXX XXXX ) confirming the debt was paid in full, copies of the check and bank statements and they still have denied my disputes and will not update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Former : XXXX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. There's no response was ever received from them up until now. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of items that are still reporting on my Credit Reports : 15. XXXX Date of Inquiry XX/XX/2020 16. XXXX Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On Tuesday, XX/XX/2021 monies from Illinois unemployment that was scheduled to post into my bank account was instead transfered into a Wells Fargo account. I have never banked with this banking institution, so I am confused as to why a deposit with my name can go into an account that does not have my name on it.

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