vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I received a credit collection notice in XX/XX/2018, it was for someone of a different name in a different state. I called them and told them it was sent in error, they did nothing. I disputed this with XXXX  and they said it was valid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUSTMARK CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXXmy wife contacted a XXXX ad for an apartment rental in the XXXX, XXXX area. Upon contacting the individual who posted the ad they posed a real estate agent in the area and had a 2 BR/2 BA apartment for rent for {$1900.00} per month and it was month to month. 

After initial communication with the real estate agent ( pretend ) we filled out a leasing application and lease agreement with the posing individual. At which point they confirmed via e-mail that they received the leasing information and would sent payment instructions. We were instructed to pay via wire since this was an out of state private owner as they called them prior. 

Once we received the wire instructions the funds were wired into the account on XX/XX/XXXX at approximately XXXX XXXX PST. After several hours, something was not feeling correct about the situation and we attempted to contact the " real estate agent '' and they did not answer the phone but called back and pretended to be XXXX the " property manager '' for the company. After being very suspicious we called another phone number for the realtor and were told they knew nothing about this apartment listed for rent. 

We immediately went to our banking institution and reported the fraud/scam. They attempted to stop the wire transfer and notify the other institution of the situation. This was reported at approximately XXXX XXXX PST which would be XXXX XXXX EST at the financial institution in XXXX  which is Trustmark National Bank. We are not members of the bank however we did call them and notify them of the wire fraud. 

We spoke to the Security Department on the morning of Wednesday XX/XX/XXXX and informed them of the situation. There response to us was they were not sure they received the wire cancellation request and the money was withdrawn from the account at XXXX XXXX EST. It is hard to believe that the institution did not receive the request to not allow the withdrawal of the money. 

Local law enforcement was notified of the situation on Thursday XX/XX/XXXX and she has since been in contact with the bank. The  institution has since closed the account. We had suggested to them on Wednesday that they look into the account and the large withdrawals and were told by the security department that its normal for people to go in daily and take large sums of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: AL

Complaint narrative:
XXXX XXXX XXXX - servicer of credit card with XXXX XXXX XXXX XXXX XXXX decreased my credit limit by {$500.00} based on a credit score pull. this was done without my permission.

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 2018-06-02 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: U.S. BANCORP
State: MO

Complaint narrative:
The letter I received from US Bank they will fix my problem but they state on their website they do support XXXX XXXX but from my experience its NOT i spoke with XXXX they state that you can do emails to activate your card electronically US BANK is not following how XXXX attends the functionality is supposed to do with online banking and a other thing I need to add I hate having putting so much passwords on online banking to get my account details and my routing number and I have wasting my time using the functionality it is just a headache and a other thing is when I call in I still need to establish a verbal password I know that XXXX uses it why not you its my account not yours to control.

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 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have placed a fraud alert on my credit with all three credit bureaus. The thief who stole my wallet has continued to draw hard inquiries from XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX   on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX   XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX on XX/XX/XXXX My wallet was stolen on XX/XX/XXXX. I placed a fraud alert on all three credit agencies. I am concerned as to how these banks are still pulling my credit and approving applications under my name from this fraud. Can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dispute remarks were added to my account on XX/XX/2018. I immediately called Chase and they agreed to remove the remarks from my credit report with all three credit bureaus. Remarks are still there and have yet to be removed. These dispute remarks are lowering my credit score and I would like them removed immediately as I was told by a Chase representative that the marks would be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am a consumer with Bofa and my security is at risk on public WiFi I want to use VPN ( virtual private network ) on my online banking account I never had this problem for 2 years for using online banking after one update I just stopped I put a complaint with the XXXX ( XXXX XXXX XXXX ) and they were being very rude with me on the phone when I use VPN for security of my account with BofA I told them that VPN is A virtual private network ( VPN ) is a technology that creates a safe and encrypted connection over a less secure network, such as the internet. VPN technology was developed as a way to allow remote users and branch offices to securely access corporate applications and other resources. I told BofA to fix the issue and its still going on with other consumers that go to coffee shops with laptops on public wifi and the bank refuse to fix the bug for our own security while on public wifi.

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 2018-06-02 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: CA

Complaint narrative:
Dispute remarks were added to my account on XX/XX/2018. I immediately called XXXX and they agreed to remove the remarks from my credit report with all three credit bureaus. Remarks are still there and have yet to be removed. These dispute remarks are lowering my credit score and I would like them removed immediately as I was told by a XXXX representative that the marks would be removed.

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 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have placed a fraud alert on my credit with all three credit bureaus. The thief who stole my wallet has continued to draw hard inquiries from XXXX XXXX  on XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX  on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX - XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX My wallet was stolen on XX/XX/XXXX. I placed a fraud alert on all three credit agencies. I am concerned as to how these banks are still pulling my credit and approving applications under my name from this fraud. Can you please help 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 non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have placed a fraud alert on my credit with all three credit bureaus. The thief who stole my wallet has continued to draw hard inquiries from XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX - XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX My wallet was stolen on XX/XX/XXXX. I placed a fraud alert on all three credit agencies. I am concerned as to how these banks are still pulling my credit and approving applications under my name from this fraud. Can you please help 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 non-monetary relief
Consumer complaint received 2018-06-02 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I first applied for a loan modification and mitigation last Fall. After several attempts at getting all the required documents and information to Ditech Financial LLC, they finally informed the application was complete in XX/XX/XXXX. The mitigation is still in " research and underwriting '' as of XX/XX/XXXX. I call them twice weekly and they repeatedly tell me they will contact the supervisor or director to " escalate '' the decision. No one has given me further information or any indication of possible outcomes. I'm mailing a QWR and meeting with my lawyer next week in hopes of resolving this matter asap.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Transunion and XXXX with no successful resolution. XXXX  and Transunion are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

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 2018-06-02 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: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX with no successful resolution. Equifax and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was told by Sallie Mae that forgiveness is available for my PRIVATE college loans, but have had difficulty in getting clear, precise information,, I have read and been told that forgiveness for private loans doesnt exist, Sallie Mae told me after 80 monthly payments the remaining 60 % of my college debt would be forgiven,, I am trying to determine if this claim is legitimate before signing a loan with Sallie Mae

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I spoke to Bank of America 's credit lending department for reconsideration of my closed credit cards. During the call, I specifically asked if them re-attempting to re-open my credit cards would incur a hard inquiry on my credit report ; they replied it wouldn't. During the conversation, I was never asked for permission to perform a hard inquiry nor did I ever verbally allow them to do so. However, I am now seeing a hard inquiry ( XX/XX/18 ) from Bank of America on my XXXX   report.

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 2018-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX my card was misplaced, the next day ( XX/XX/XXXX ) someone removed XXXX from my account which made it under. The very next day ( XX/XX/XXXX ) another transaction for {$100.00} was once again withdrawn from my account. Once i found out my bank was under on the XX/XX/XXXX due to me being locked out my app. I filed a claim Saturday XX/XX/XXXX about both withdrawal and was told to contact the bank Tuesday but to the holidays on Monday XX/XX/XXXX. Come Tuesday XX/XX/XXXX i was told there was no information provided. So Friday XX/XX/XXXX, i go to Regions Bank to get a new card and was told my claim was denied due to my pin being used, i received no call or email. I informed then that i write my pin on my card so i wont forget it which i know im not the only person who does that. But i felt they were basically saying oh well keep up with your stuff and your money wont get taken. People lose their bank cards daily and dont be knowing it but we get faulted for it. Not fair, what should i do?

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 2018-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Currently my student loans report that I have over seven late payments during the XX/XX/XXXX-XX/XX/XXXX time period however they have been in good standing since the end of XX/XX/XXXX. This reporting on late payments is negatively impacting my credit score and is enabling me from obtaining a mortgage. I have emailed the CEO of Navient about the issue as of XX/XX/XXXX and have yet to receive a response or resolution on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
When I realized I couldn't make payment in XX/XX/XXXX with my Lender Wells Fargo I applied for Unemployment forbearance which I later closed as I already got a job by XX/XX/XXXX and started making payments until XX/XX/XXXX but the mortgage company applied 3 months of payments to the month of XX/XX/XXXX and reported it to the Credit bureau and sent me a letter stating that I am behind 5 payments. Later I applied for a loan modification to catch up with the missed 2 months payment based on their suggestion but later closed it as my contract job ended by XX/XX/XXXX, but the application was still pending until XX/XX/XXXX due to the negligence of the specialist so I filed a complaint with the manager and asked him to close the application as I wanted to go back to unemployment forbearance but they didn't close the application even after I made several phone calls later I filed a complaint with the customers relations but they never contacted me regaridng that eventhough they created a case for my complaints. Also, the specialist was asking for documents telling me one thing but later question about my other transactions on my bank account which is not relevant to the reasons they stated for requesting the bank statement, and they were also asking for new documents every single day which only explains that they are looking for proof not to approve my application so I asked them to hold off the process until they find a resolution for my complaint but the specialist closed the case and sent a letter stating that I can apply for a short sale, but even before they did this they have sent emails through the Advertisements I have on websites asking for videos and photos of my whole house and they also contacted USICS and IRS regarding my case which I haven't given authorization for. Even before I started the application the specialist suggested a short sale and kept saying that they cant guarantee that my application will get approved. i filed a complaint several times stating that there is some kind of fraud going on but they never responded to my complaints, also they have not given any explanation on why they reported 3 months payments to one single month and claim that I am late for 5 months payment.They also didn't convey that I can still continue on the unemployment forbearance as my job was a temporary contract job when I informed them about my employment after the approval. Likewise they are misleading me in several ways and being deceptive in requesting documents and sending out people to look at my condo and such.

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 2018-06-02 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 have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Transunion and XXXX with no successful resolution. XXXX and Transunion are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2018-06-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX with no successful resolution. Equifax and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation