vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bridgecrest Acceptance Corporation
State: DE

Complaint narrative:
In 2009 my purse was stolen and it contained all my personal information ( driver 's license, social security card, birth certificate and all my children 's personal information ). When i got my credit report there were things that i didn't do. I contacted Bridgecrest/XXXX  about a car loan/lease that appeared on my credit report. I explained that I am a victim of identity theft and the loan/lease was opened fraudulently by someone else that is using my identity, I sent in proof of my identity theft. I sent a police report, affidavit from Federal Trade Commission, affidavit from DMV, and a statement from me explaining the situation.I have several attempts to rectify this situation and it's still here affecting my credit. It's affecting my life and i didn't even do it. I have never applied or accepted and loan/lease from Bridgecrest/XXXX, so it should be removed as soon as possible. My credit report says the estimated amount is for {$19000.00} and the account was opened on XXXX. I have knowledge of this account because i have never applied for any loans. After call after call and letter after letter, Bridgecrest/XXXX will not do anything.

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 2019-11-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
In XXXX we experienced a catastrophic flood. Our first mortgage is with XXXX XXXX and second mortgage is with PHH ( formerly Ocwen ). We had to incur a third mortgage from the XXXX to complete the repairs while seeking a supplemental from XXXX. The repairs were completed in XXXX, passed inspection, and claims with both mortgage companies were closed. After a lengthy legal process we received a supplemental check for {$50000.00} from XXXX in XXXX. These funds are to be applied to our XXXX loan to avoid a duplication of benefits. XXXX XXXX endorsed the check as required but PHH is refusing to. Instead they incorrectly opened a NEW claim and are requiring the funds be placed in their own escrow account. My attorney and I both explained and provided documentation this is not a new claim and forwarded them additional documentation explaining how XXXX will handle the funds. PHH is still refusing to endorse the check. These funds belong to the XXXX, our attorney and us, in that order. XXXX XXXX seems to understand that as the first lien holder but PHH does not seem to grasp the concept. 
We have never been late on a payment with either mortgage company or the XXXX. We are simply trying to get this supplemental check applied to our XXXX loan as the XXXX legally requires us to do. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : Is my correspondence with XXXX with whom I apparently owed {$49000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2019, XX/XX/2019, and XX/XX/2019, that I have repeatedly made these offers. XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2019, they have not given a response. This settled the matter once and for all on XX/XX/2019. 

To date, XXXX has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. I have also sent this information to XXXX, TransUnion Consumer Solutions and XXXX. 
I would appreciate if you would review my documentation and obtain a statement of facts from XXXX outlining exactly why they can not produce the original instrument of indebtedness. The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. 

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.

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 2019-11-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : Is my correspondence with XXXX with whom I apparently owed {$49000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2019, XX/XX/2019, and XX/XX/2019, that I have repeatedly made these offers. Navient on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2019, they have not given a response. This settled the matter once and for all on XX/XX/2019. 

To date, XXXX has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. I have also sent this information to Experian, XXXX  XXXX XXXX and XXXX. 
I would appreciate if you would review my documentation and obtain a statement of facts from XXXX outlining exactly why they can not produce the original instrument of indebtedness. The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.

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 2019-11-14 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS REMOVE OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS REMOVE OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 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: TN

Complaint narrative:
XXXX XXXX is attempting to re-age and/or change the dates they have claimed my auto payment was lateand this has directly impacted my ability to obtain a mortgage. In report XXXX they report 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. When challenged they changed the dates to XX/XX/XXXX and XX/XX/XXXX. XXXX  also repeately reports a much higher balance with a 3 month delay in updating the balance. Current balance is not {$19000.00} XXXX has repeately misrepresented this account with all three credit reporting 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 2019-11-14 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: TN

Complaint narrative:
XXXX XXXX  is attempting to re-age and/or change the dates they have claimed my auto payment was lateand this has directly impacted my ability to obtain a mortgage. In report XXXX they report 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. When challenged they changed the dates to XX/XX/XXXX and XX/XX/XXXX. XXXX  also repeately reports a much higher balance with a 3 month delay in updating the balance. Current balance is not {$19000.00} XXXX has repeately misrepresented this account with all three credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: TN

Complaint narrative:
XXXX XXXX  is attempting to re-age and/or change the dates they have claimed my auto payment was lateand this has directly impacted my ability to obtain a mortgage. In report XXXX they report 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. When challenged they changed the dates to XX/XX/XXXX and XX/XX/XXXX. XXXX  also repeately reports a much higher balance with a 3 month delay in updating the balance. Current balance is not {$19000.00} XXXX has repeately misrepresented this account with all three credit reporting 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 2019-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
SPS has unrealistic value on short sale property. Our property is distressed and underwater and we have been trying to work with SPS. We had THREE offers. Two dropped out because of length of time it took for SPS to get back to buyer on response of acceptance. They were soooo slow buyers would not wait any further. Each offer was between 1.2 and 1.3 million. Our home has been on the market 450 days. We FINALLY got another offer at XXXX and the buyer said they would hang in there while SPS did their review. Now SPS is stating they won't review because offer is too low, however, it's the same value as the prior offers of XXXX. The appraisal done by SPS was inaccurate and flawed and used properties outside of our town. I'm submitting support information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: WI

Complaint narrative:
Good afternoon, We're contacting you, in the hopes that you will assist us with our loan modification with Selene Mortgage. 

The core of our issue revolves around the fact that in 2017, we filed a Chapter XXXX bankruptcy and, as part of the settlement and trustee payments, they totaled in excess of 50 % of our monthly net income. This put us in a serious bind from the start. Not only that, but almost a year into making our payments, we learned that I was pregnant again.. the cost for doctor visits/prenatal care, kept mounting and eventually caused us to default on our bankruptcy payments. 

To make matters worse, my husband suffered a temporary job loss which backed us up even farther. Fortunately, our income issues have been resolved - both my husband and I are working and earning more than we were prior to 2017. 

We have been actively trying to resolve this issue with Selene, as the mortgage payment was removed from the bankruptcy settlement back in XXXX. We've been trying to resolve this, with no cooperation or assistance whatsoever from Selene. 

We've resubmitted a new loss mitigation package - that file was received on XX/XX/XXXX - and marked complete on XX/XX/XXXX. There is a sale date set for XX/XX/XXXX on our home and Selene has reminded us that they will not stop the sale, as they have a 37 day window that paperwork must be submitted by. 

Given that we weren't aware that they were filing a motion for sale and that's motions for sale are received, roughly, 30 days prior to the event - there's absolutely no way that we could logically have gotten the documentation to them in time.

We are asking that you step in and request that Selene postpone that sale, in order to properly and thoroughly review our situation for modification. XXXX and my husband are available anytime how to discuss this with you and our numbers are included in this complaint. Thank you so much for your help! 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
XXXX XXXX approved me for {$32000.00}. Ive been paying on the loan I got behind on the loan and as of 2017 XXXX. As of Today the orginal amount they claimed they gave was {$32000.00} I still owe that amount and my loan has been transferred 3 times and it went from XXXX XXXX to XXXX XXXX  to XXXX XXXX  servicing to Shellpoint Mortgage. This loan was a predatory loan from the beginning and I've been trying to get assistant from an non profit organization and lawyers of South Carolina however I cant get any help. Clearly XXXX XXXX didnt provide me with a clear understanding with what type of loan I was getting myself into and they took advantage of me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I borrowed {$3000.00} from the XXXX XXXX whom I have done buisness with upon occasion as life happens. They have been really awesome and super friendly every time I have been there. 
I depositied the check for XXXX dollars on XX/XX/19 into my Bank of America account at the teller. I wanted to cash it but they said I had to deposit it and the funds would be available to cover debits made that day and cash withdraws the following day. I aggred to deposit the check. I checked my app later that night and it showed the deposit of XXXX $ available to cover transactions made on XX/XX/19 and available for atm or cash on XX/XX/19. The morning I logged in to check my funds before setting off on buisness and there was {$3000.00} placed into my account and then taken back out and a hold placed on the funds until XX/XX/19. I have been a bank member for a long time and I have regular deposits of 6-15 thousand over the last 2 years. 
I called the bank and they said to call back after XXXX to talk to someone who could help. I called back and they told me that the hold was most likely an issue with the check or that the other bank had not released the funds. I called the XXXX XXXX whom issued me the check and asked them to verify that there was no issue on their end with the check.The XXXX XXXX said she spoke to corprate headquaters and that the check and funds are good and available. 
I called Bank of America and got another person who could do nothing, so I asked to speak to a supervisor. The supervisor called the department that handles risk and they said that due to the check being XXXX $ and the fact that the Bank that issued it had previous returns they would not release any of the funds. 
This is outragous as the money in question is less then 5000 and I have deposited checks from this bank/loan company before. The fact that the teller lied to me and then the system showed it in writting before the hold was placed is down right criminal. Now I have no money and will have to pay a finacial charge on a loan I needed yesterday but can not use for 7 more days.

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 2019-11-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
USAA is re-aging and fraudulently reporting incorrect information on all three of my XXXX 's and directly impacting my ability to obtain a mortgage. USAA is reporting the date first major delinquency reported as XX/XX/XXXX. USAA is also reporting major delinquency XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. None reported as XX/XX/XXXX. Second, the account is not late 189 days. The account is not in collections. USAA charged the debt off after they were advised the charges were based upon fraud and forgave the debt. This conduct is retaliation on the part of USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: DE

Complaint narrative:
In 2009 my purse was stolen and it contained all my personal information ( driver 's license, social security card, birth certificate and all my children 's personal information ). When i got my credit report there were things that i didn't do. I contacted Granite State Management about a loans that appeared on my credit report. I explained that I am a victim of identity theft and the loans was opened fraudulently by someone else that is using my identity, I sent in proof of my identity theft. I sent a police report, affidavit from Federal Trade Commission, affidavit from DMV, and a statement from me explaining the situation.I have several attempts to rectify this situation and it's still here affecting my credit. It's affecting my life and i didn't even do it. I have never applied or accepted and loans from Granite State Management, so it should be  removed as soon as possible. My credit report says the amount is for {$9900.00} and the account was opened on XX/XX/XXXX XXXX. I have knowledge of this account because i have never applied for any loans. After call after call and letter after letter, Granite State Management will not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Square.com is attempting to deduct {$600.00} from my checking account. They are charing it to my square business account, XXXX XXXX. It is registered to my email address of XXXX. I have contacted the company multiple times. 

I received a VERY vague email from them stating that the funds were owed on another account under the name XXXX XXXX or ( XXXX XXXX ). A name that is not associated with my company in ANY way. That person as I researched does not even live in the same county. XXXX is simply attempting to deduct the money based SOLEY on the last name. I have argued with them, sent letters, and emails. Their staff who work in the financial department do not even take phone calls, why should be illegal. XXXX was forced to comply and take calls, Square should as well ... especially when scamming money from businesses. 

I want the harassment to stop. My company, XXXX XXXX, DOES NOT owe {$600.00} and the name XXXX XXXX is NOT affiliated with us in ANY way. XXXX is simply using the last name, which matches mine, to attempt to recover money they lost on another account that is in no way associated with my or the business. The account under " XXXX XXXX '' is not linked to my SSN, DLN, ADDRESS, bank account. 

On XXXX Square downright refused to allow me to speak with Account Recovery. The customer service rep, XXXX, was less than helpful. I was told, after finally being able to get through to a live person that there " account recovery '' department can't take calls. I was advised to email them. I have emailed them numerous times with zero response. I have attached the only emails I have ever received from them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: TX

Complaint narrative:
I have reached out to TransUnion ( see dispute number : XXXX ) in reference to an unverified account on my credit file and I have not received a response.

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