vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUSTMARK CORPORATION
State: SC

Complaint narrative:
On XXXX XX/XX/XXXX, at approximately XXXX XXXX eastern time, I called trust mark national bank based in Mississippi. I ask for mortgage forbearance due to financial hardship amidst COVID 19. I was immediately interrogated as to why I couldn't pay the loan. I explained that because of the Coronavirus, Aid, Relief and Economic Security Act ( CARES Act ) this allowed employers to defer the deposit and payment of the employer 's share of Social Security taxes. My pay had been significantly decreased. I also explained that my significant other had lost her job, leaving me to pay all the bills. The trust mark employee, XXXX XXXX, put me on hold. She returned and stated she would send me paperwork for loss mitigation. I asked if this loss mitigation was in regards to COVID financial hardship. She stated no and that it was something they did for individuals who had issues paying their mortgage. I stated I needed the help and could pay in about two months, but couldn't pay now. I asked if I filled out the paperwork and the results from the Trustmark on the loss mitigation paperwork didn't come back in time for payment would it be reported to the credit bureau? She stated it would most definitely be reported to the Credit bureau. I stated please send me the paperwork. I went home and did the necessary research to ensure that I qualified for the financial hardship mortgage relief act. It stated that VA backed loans qualified in reference to the CARES ACT. I called the Trustmark back and XXXX XXXX answered the phone again. I calmly explained that maybe I did not explain my situation properly. I gave her the details and the CARES act information. She stated I didn't qualify. I asked to speak with a supervisor, she stated he was on the phone. I told her I would wait until he got off. She hung up on me and sent me to his voicemail. During these troubling times I am taking care of two kids and my significant other. This is the last type of service that I thought I would receive after fighting for my country. I am absolutely appalled at how I was treated and would like to helped.

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 2021-02-10 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: TX

Complaint narrative:
To whom it may Concern I'm a Victim Of identity theft. These Account that is On my Report. I did not Give any One consent To Open These Accounts. All Accounts are Fraud This is very Stressful I'm a single Mom Trying To do right for my Life now Someone is trying to Destroy my Name and Life Please help me Resolve This Situation

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 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
The bank is requesting documents to verify my Unemployment deposit. I sent requested docs including a w-2, a photo id, a photo of myself holding photo id, and benefits receipt from website. They are asking for a PUA letter. I don't have PUA. I have standard unemployment. I have delivered all docs possible and now they won't answer my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
Can you PLEASE help me with this horrific loan servicer RUSHMORE LOAN MANAGEMENT? Since the fall, I have been asking them to PLEASE put in a partial claim to the FHA on my mortgage and let me start paying for my loan again. I have a government FHA loan. 
They require people to fill out HARDSHIP PACKAGES for COVID 19 assistance, which I did not ask for any further. I asked for the past due balance to please be palced as FHA PARTIAL FOREBEARANCE at the end of the loan and let me start paying my loan. After months of sending in my paperwork, they put me back on a COVID 19 FOREBERANCE instead of listening to the customer and what the customer wants and the customers needs. 
Its unbelievable. Its like they DO NOT know who to read XXXX or understand XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I have talked to this company multiple times over the past 6-8 months trying to resolve this issue of fraud. All I get is transferred from one hard to understand person to another and then wind up back at the beginning. I can not get any resolution whatsoever. I sent them a copy of my police report but to no avail. 

In XX/XX/2020 an UNAUTHORIZED payment of {$4500.00} was made on my account and then subsequently recalled. When I called to ask about it, I was told that it was made with a fraudulent check but no one could tell me anything else. This put my account over the limit and I am being held responsible for it. I can not get resolution but I am expected to make payments each month or I am reported to the credit bureaus.

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 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
The Cain and Weiner Company has been aggressively requested a debt for office space utilized last year. We fulfilled or lease agreement with XXXX, and sent all documentation to the collector who has only replied back with statements reflecting money owed with no signed agreement. We also submitted the email chain reflecting the site manager confirming our lease end and zero obligation moving forward. They call twice daily and email and threaten our staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
On or about XX/XX/2020 the Manager Of Umpqua bank ( XXXX XXXX XXXX ) Branch Called My Home at XXXX to inform Me what I can Or Can not say on the Public sidewalk in front of the Umpqua Bank in XXXX branch??? Therefore I informed the new Manager She couldn't Tell Me What I can say on the Public Sidewalk!!! She sent me a letter that said My account is closed!!! It also said be sure to transfer Your Social Security Deposit to Your new financial institution ... I did what they said!!! They sent Me a partial payment of one of my accounts with no explanation of Where my money went ... XXXX I received A cashier 's check for $ XXXX of My $ XXXX Social Security had sent Me on XXXX with no explanation where the other monies from My Accounts Went??? It gets Deeper and More confusing for Me because I am XXXX ... I am an individual with Extraordinary Issues The New Manager Just Does not understand!!! Her Job is banking!!! My Job is Living with a XXXX that I do not understand well and Even the Drs. Barely Understand!!! I have been belittled and stollen from by the new manager at Umpqua Bank XXXX ... I went to XXXX Newest Bank ( XXXX ) and the old Manager of Umpqua Bank is there!!! I am Welcomed at ( XXXX ) with open arms!!! And my favorite tellers from Umpqua are at ( XXXX XXXX XXXX ) Too!!! I asked a teller why she changed banks from Being a teller at Umpqua to ( XXXX ) XXXX branch and She said She didn't like the New Manager at Umpqua Bank of XXXX XXXX  Branch!!! Hmmm ... Imagine that???

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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Incorrect discharge date on bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Auto Fiancial ( Auto Loan ) This is my second vehicle financed by Ally Auto. The previous vehicle was a XXXX XXXX, which I paid off before time in full ; hence Im a good customer. 
Due to the COVID-19 furlough, I had requested more time to pay my current Ally auto payments. I was asked to contact via chat, and I did on XX/XX/XXXX. I was assured that I would not be paying any interest etc., till the end of XX/XX/XXXX. 
However, I received an email from Ally in early XX/XX/XXXX that I was late in payment. Then, on XX/XX/XXXX, I contacted Ally auto via email and phone. Email reply was an auto-reply from Ally asking me to call. I have tried several times to call Ally auto but was promptly placed on hold for more than 45 minutes. I was told by one representative on phone you are from XXXX, why are you in the USA. ( Im a proud US Citizen ) I called a few more times to work something out with Ally auto, but every time was placed on hold, endlessly. 
Ally auto never called me back or replied to my emails to work out a payment plan or a fair resolution. I believe I have been treated unfairly inspite of having an excellent paying history. 
Ally Financial is also unfairly sending a negative report to credit bureaus. 
I am requesting that Ally Auto cancel my payments for a couple of months and retract any negative report sent and work out a payment plan. 
Im hoping that this can be resolved in a mutually agreeable term. Ally financial called today ( XX/XX/XXXX ) and threatened to repossess the car and ruin my credit history. I believe I am a victim of Ally Auto 's predatory business practices, discrimination and bias. 
I'm being forced to pay inspite of promises made by Ally Financial without making any current concessions due to COVID-19 pandemic. 
Thank You for your help! 
XXXX 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 2021-02-10 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: FL

Complaint narrative:
THEY ARE FORMER NAMES THAT ARE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Nelnet, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute letter to all three credit bureaus. I received a response from all three credit bureaus. On XX/XX/XXXX, I sent a demand of action letter to all three credit bureaus demanding the removal of all duplicate NELNET accounts. XXXX has not removed these duplicate accounts. XXXX and XXXX have. Two accounts with account # XXXX and two accounts with account # XXXX ( for a total amount of {$4300.00} ) are showing closed in the same frame and showing POSITIVE with XXXX. On XX/XX/XXXXI submitted an in-school deferment request to NELNET. As of XX/XX/XXXX, they noted the account, " No adjustment needed, '' because the accounts are closed. They can not confirm my deferment because the accounts were closed. Also, on XX/XX/XXXX, I sent a correction to the credit report to remove XXXX XXXX which was paid in full on XX/XX/XXXX. They have failed to remove that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: MO

Complaint narrative:
Trans Union is reporting items on the credit report that are incorrect. I have made numerous attempts to correct this matter with them. Sent via unites States Registered Mail RF XXXX XXXX XXXX US To Whom It may Concern : Social Security number ends in XXXX email : XXXX Pursuant to 15 USC 1681 a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( I ) which is " the term '' credit card '' means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, property, labor or services on credit. '' Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. The accounts they are reporting that need to be deleted permanently/removed permanently are as follows : Account holder not the borrower, XXXX XXXX Account # XXXX, Account holder not the borrower US BK XXXX  Account # XXXX, Account holder not the borrower XXXX XXXX XXXX Account # XXXX Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX XXXX Account # XXXX, Account holder not the borrower XXXX XXXX  Account # XXXX, Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX  Account # XXXX, Account Holder Not the borrower XXXX Account # XXXX Account holder not the borrower XXXX  Account # XXXX, Account holder not the borrower XXXX Account # XXXX Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX XXXX  Account # XXXX, Account holder not the borrower XXXX XXXX Account # XXXX, Account holder not the borrower XXXX Account # XXXX Account holder not the borrower XXXX XXXX Account XXXX XXXX, Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX XXXX XXXX Account XXXX XXXX, Account holder not the borrower XXXX Account # 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 2021-02-10 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: FL

Complaint narrative:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items. 
I expect all items to be deleted as the credit bureaus are non- compliant and now in violation.

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 2021-02-10 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:
This is my second complaint to CFPB on the same dispute I made to Equifax months ago. An identity thief caused a fraudulent hard inquiry on my Equifax credit report by trying to open an XXXX XXXX XXXX account in my name on XX/XX/XXXX. This is 100 % proven by XXXX XXXX XXXX 's letter to me dated XX/XX/XXXX stating XXXX XXXX XXXX requested all credit reporters to remove this hard inquiry from all my credit reports. I mailed a copy of this letter to Equifax on XX/XX/XXXX as part of my dispute to Equifax and I wrote the Equifax dispute number on the copy of this XXXX XXXX XXXX letter I sent Equifax. I have no faith in Equifax whatsoever that they recorded this XXXX XXXX XXXX letter as part of my dispute. I spoke to " XXXX '' at Equifax today and she asked me 5 security questions to confirm my identity. I looked at my XX/XX/XXXX XXXX credit report as I answered her XXXX XXXX XXXX report included every correct answer. She told me her system rejected my answers. As a retired audit department manager with 23 years service for one of the leading universityhospitals in the US I can tell this Equifax rep almost certainly typed my security answers incorrectly. I say this based on 6 phone conversations I have had with Equifax reps. This is day 24 after I filed this dispute to Equifax. I have no confidence whatsoever that Equifax will resolve this issue. I will also submit a complaint to my elected officials re : Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may Concern I'm a Victim Of identity theft. These Account that is On my Report. I did not Give any One consent To Open These Accounts. All Accounts are Fraud This is very Stressful I'm a single Mom Trying To do right for my Life now Someone is trying to Destroy my Name and Life Please help me Resolve This Situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
as per your website https : //www.consumerfinance.gov/ask-cfpb/what-information-do-i-have-to-provide-a-lender-in-order-to-receive-a-loan-estimate-en-1987/ Loan officers are required to provide you with a Loan Estimate once you have provided : your name, your income, your Social Security number ( so the lender can pull a credit report ), the property address, an estimate of the value of the property, and the desired loan amount. 
Your loan officer can not require you to provide documents verifying this information before providing you with a Loan Estimate. >>> I contacted quicken loan to get a rate for my refinance and they had me fill up an online application which took over 15mins to fill that included all the above information. earlier today the following gentleman called and proceed to ask me questions that should not be asked and as per your website and my dealing with other lenders is not required to get a preliminary rate quote and approximate closing costs estimate. 

XXXX XXXX XXXX Mortgage Banker Toll Free : ( XXXX ) XXXX x XXXX Fax : ( XXXX ) XXXX NMLS # XXXX XXXX refused to provide me the rate estimate in spite of me providing them all the legally required information indicating he had to go through a detailed questionnaire before giving me a rate estimate. Question he was asking included. 

1. are you married. 
2. How long have you been married. etc As this was me looking around for rates from various lender. I found this over information seeking excessive for a preliminary rate estimate and i terminated the conversation. I find this practice highly unethical and a huge waste of my time. 

As a current victim of identity theft i do not want to provide any more information than that is legally necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: NY

Complaint narrative:
I contacted Equifax on XX/XX/XXXX after reviewing my credit report in depth. I was impacted by the XXXX data breach ( Equifax ) and have had identity theft issues as a result. I do not recognize and did not authorize the following inquiries and am requesting their removal immediately. 

XXXX : XX/XX/XXXX -XXXX XXXX : XX/XX/XXXX -XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX -XXXX : XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXX : XX/XX/XXXX -XXXX  : XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: CT

Complaint narrative:
On XX/XX/2020, cash app notified me my account was closed due to a violation of their terms of service. I have read their terms of service and did not violate them. My funds in my cash app account were frozen. I contacted customer support and was told that the decision was irreversible and permanent and they were using their discretion to lock my account for any further withdrawals or transfers. I dont understand how a financial institution can operate in this way. I have attempted to contact the company through multiple channels and have received canned responses with no additional information. I would like to regain access to MY funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: FL

Complaint narrative:
during the pandemic i lost my job as a XXXX due to covid-19 i let my apartment office know they manager at the time said he understand and to vacant the apartment and turn in keys we will go ahead send paper work to office as i did and then a couple of months later i found out i had a collection due to me loosing my job because of covid-19 which makes no sense those was out of my hand and i didn't want this to result in a eviction because after after thing was done i wanted to rent again with the apartment complex

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