vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
A year ago, my husband and I purchased our dream home and finance our mortgage with UWM. Our experience through the financing process was seamless. We were very happy with the services we were provided. We were so happy that we referred other friends and families to finance their homes with your institution. Soon after COVID hit and like many families, we were financially affected. Our baby had just arrived and I had to go on an extended leave without pay to care for our daughter. As a result, we opted to refinance our mortgage to help make ends meet. Unfortunately, we were not able to refinance with UWM being that the cost and rate was not as competitive as other financial institutions to meet our financial needs. We began the refinancing process in XX/XX/2020. By XX/XX/2020, the request was submitted to UWM. When we began the refinancing process it was explained to us that a CEMA would be needed. We patiently waited but unfortunately to date, we have not been able to close on the refinancing. Our refinancing bank has exhausted all measures in attempting to obtain all the documentation needed from the custodian that is holding the collateral files. The attorney representing XXXX XXXX has been trying to obtain the collateral files from the custodian since XXXX and has followed up countless times with no result. I contacted XXXX XXXX ( attorney representing UWM ) on two occasions and all I have been told is that the custodian stated they will expedite the request but three months later we are still waiting. I attempted to obtain the name of the custodian for our mortgage and Mrs. XXXX said that information can not be disclosed to me. As a customer, who has been paying for a mortgage for the past year, I do not understand why this information can not be disclosed. Today, we were informed that out rate lock can no longer be held. As customers, we have made it our priority to make sure we continue to pay or mortgage timely. We have done the impossible to try to stay on top of our payments while we are able to refinance. We are highly disappointed that a financial institution rated so highly and who we recommended to our friends and family has let us down in a time of need. I have called UWM countless times in the past month and have not been offered no valid explanation as to why this process has taken as long as it has. As a result of the lack of diligence, we will no longer be able to keep our rate lock without having to pay a weekly fee. My husband and I are in hopes that UWM can provide us with answers as to why the custodian is holding our collateral documents and is not releasing them. We are in dire need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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:
Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family

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 2021-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have only attended XXXX colleges during the time that I have been in college obtaining my college degrees, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX & XXXX XXXX. 

I have been battling with Navient & Sallie Mae since XXXX to now regarding student loans that are not mine. I have student loans on my account for schools not only that I did not attend which were XXXX XXXXXXXX & XXXX XXXX XXXXXXXX XXXX. I also filed this student loans in a Ch XXXX BK in XXXX that was discharged as a result of these not being my student loans because I was a victim of Identity Theft during this time ; XXXX and after. I submitted all documentation to the Department of Education, Sallie Mae and Navient who by the way denied my Identity Theft claim, and now they are stating that they never received any of the documentation. 

I am moving forward with filing a lawsuit against Department of Education and Navient who also bought out Sallie Mae who was also sued as well and having an ongoing lawsuit just like XXXX does. I know because they offered me a settlement as did Sallie Mae. I am also going public with this information with social media and news outlets. 

Sallie Mae was scamming us for years and now Navient is doing the exact same thing. I refuse to pay for student loans that I did not benefit from at all this is beyond ridiculous I reached out to Department of Education who referred me to Navient on XX/XX/XXXX and they have the power to remove the loans that are not mine but refuse in which to do so. 

I have been battling this matter for 8 years and I want these loans removed from Department of Education, Navient, and my credit reports as well. The interest alone is beyond ridiculous. My student loans have ballooned from {$160000.00} to {$190000.00} and now I am supposed to pay for loans that are only not mine but was also discharged in a Chapter XXXX BK in XXXX. I do not think so not on my life. 

This is a violation of my civil rights and the right to have due process. I was not even allowed to appeal the process despite the fact that there is an appeal process nor did I receive a letter from Department of Education regarding them denying my Identity Theft claim which is overly ridiculous above and beyond because I sent them all the supporting documentation to support this. 

Things have to change with regards to who's in charge and who's making these decisions. This is not conducive to how business is conducted and handled. 

I need and want answers and support with regards to this matter and I need them now. I want this matter resolved promptly and now rather than later. I am tired of this and it has been 8 years and I am going to do whatever I have to do to deal with this matter. 

I can be reached by email at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NV

Complaint narrative:
Selena Finance fail to provide the monthly statement in few months after they took over the service from the previous mortgage. 

It is crystal clear now, that there is an error in Selene Finance system and they still can not provide the statements for the those few months. 

During the first 60 days after Selene Finance took over my mortgage, I have been calling Selene finance and telling them I want to pay but I haven't received the statement and the coupon. Their kept telling me that Due to COVID, there will be a 60 days delay and just want me to wait, wait and wait. The last call was on XX/XX/XXXX, with call reference XXXX. They still told me to wait and no instruction for how to pay the payment without the coupon This got resolved until XX/XX/XXXX with was more then 60 days since Selene Finance took over the service. The reason it got resolved because I filed the complaint with CFPB on XX/XX/XXXX. 

As fact, Selene Finance laid to me and using the excuse of " COVID impact '' instead of telling me it is program issue and not instruct my correctly with the payment. As a result, Selene Finance charged me late fees for {$63.00}. 

I should not be punished by the late fees since Selene Finance laid and did not provide the right service for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: FL

Complaint narrative:
This account is not reporting accurately on each consumer report for each company. Furthermore this debt is not mine. Please help with this matter in a timely fashion please. I followed up with each company but have not heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2021-02-24 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
PLEASE REMOVE THE FRAUD ALERT FROM MY CREIDIT PROFILE!!!!!!! 

I did not request a fraud alert be place on my credit profile. 


Equifax will not remove the fraud alert from my credit profile!!! 
I have also placed a complaint the with XXXX because now Equifax is playing games.

You can not play games with peoples credit Your complaint case number is XXXX. You will receive an email with a link to your case within approximately 48 hours. XXXX  acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX  We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 

What Happens Next? 


XXXX XXXX XXXX XX/XX/XXXX XXXXs # XXXX XXXX XXXX XXXX XXXX VA XXXX tel XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I tried opening an account in Chase Bank around XXXX last year. They denied and returned my deposit back. I was not given any proper reason as to why they denied my account. It was the beginning of the COVID pandemic and I did not bother investigate further so I want I another bank and opend an account without any problem. 

Now we started a new business and yesterday I went to Chase bank in XXXX with my business partner to open a business account since he has multiple account with XXXX. 
They said they will not be able to open an account with me as a signer in the account. They did open the business account but I will not be able to operate the account or be able to write checks or sign checks. When I asked for a reason why I was denied, they did not give one. 
At least I should know what is the basis for my denial. Please let me know what are my legal rights so I can take further action. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: FL

Complaint narrative:
This account is not reporting accurately on each consumer report for each company. Furthermore this debt is not mine. Please help with this matter in a timely fashion please. I followed up with each company but have not heard anything back.

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 2021-02-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
USAA credit card that had debt forgiveness. USAA required to send 1099-C by XXXX XXXX. 
USAA contacted by mail, phone, and message. USAA has no path forward and has not provided required federal form

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I currently have a home mortgage with Chase and have received several offers from them to refinance at a lower rate. I decided to pursue their offer and filled out an online refinance application. I was soon contact by one of their mortgage specialist, XXXX XXXX, who went over the process and documents that I would be required to provide for the application process. She also told me they would need to charge {$500.00} to my credit card to proceed. I have her permission to do so and promptly uploaded all requested documentation. Several days later XXXX contacted me and said the also were going to require that a provide internal financial statements and tax returns for an XXXX that I have minority ownership of. The corporate board will not allow me to share that info and a relayed that to XXXX. She said the would not be able to proceed with the the refinance application and I said ok refund me my {$500.00}. She now refuses to do that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24 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: PA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Victoria Secret XXXX Hundreds of letters have been sent to these creditors. Over 15 letters sent thru CFPB. Now all 3 credit bureaus have requested the XXXX  Security Breach paperwork and a recent police report, see attached. All are NOT MY DEBT! Weve asked dozens of times for an application with my signature. Weve asked where were they opened ... .online is all Im told. Thats it. All they say is its verified cause we know my name address d.o.b. and social. But refuse to send or give us any further info. Please remove from my credit as these debts are stopping me from moving forward, and this debt has never ever been mine. Im sending letters now 3 yrs. I was involved with the XXXX  security Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
I received a bill of {$39.00} from credit collection services and it said the creditor is automobile insurance co of XXXX. I never had insurance with XXXX. I called XXXX and they never had me as their client.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: TN

Complaint narrative:
TransUnion, XXXX, and XXXX  has fail to give me any information to my dispute in written of how the information they are reporting are being verified. 

When if comes the the bankruptcy, I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed you have not give me the information for verification on items listed in my letter. My attorney told me to ask you the following questions.

( 1 ). How did you verify these inaccurate accounts?

( 2 ). Did you talk to the court and if you did who did you talk with at the court?

( 3 ). Were you required to pay a fee to obtain the bankruptcy papers?

( 4 ). Can you provide me with the contact number and name of the person you talked to? 
My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once.

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 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Basically, the debt has been paid and they can see that there was an error however the company is making me wait almost a month to clear the error. This is effecting my credit-worthiness for approval on related business.

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 2021-02-24 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: PR

Complaint narrative:
I became unemployed due to the COVID Pandemic since XX/XX/XXXX thru XX/XX/XXXX. Due that, on XX/XX/XXXX I completed the request of a Moratorium for my FHA Mortgage for the time period XX/XX/XXXX to XX/XX/XXXX with the XXXX XXXX. During that time period, the XXXX XXXX became to be part of XXXXXX/XX/XXXX. When I started to work again I want to know about my Mortgage Moratory status, and XXXXXX/XX/XXXX notified me that although if I qualified for it, XXXX XXXX did not complete the approval process of my case. ( I sent a letter making a claim to XXXXXX/XX/XXXXon XX/XX/XXXX. ) XXXX XX/XX/XXXXdid not want to accept the moratorium submitted under the XXXX XXXX and reported the my account as overdue without first contacting us to explain the situation that was happening. The bank sent me a letter indicating that my mortgage was on due since three months. Due that my credit score as well as the credit score of the account co-debtor was affected by this mistake made by the bank. 
After that I made the payment requested by XXXXXX/XX/XXXX for the three months ( Paid on XX/XX/XXXX XXXX, and I asked XX/XX/XXXX to correct the mark on the credit that XXXX gave me since it was not my fault. XX/XX/XXXX did not want to remove the mark made on the credit saying that this mark should be removed by XXXX XXXX, however XXXX XXXX does not have a mortgage area since became part of XXXXXX/XX/XXXX. 
Then, as per XXXXXX/XX/XXXX XXXX XXXX XXXX letter XXXX, the Credit Agency are whose have to delete the mark to the credit, since on its system the mentioned mark does not appear. 
During the process, a total of two ( 2 ) letters ( on XX/XX/XXXX, and XX/XX/XXXX ) were sent to the Disputes area of credit agency TransUnion asking to delete the credit mark made by XXXX XXXX and TransUnion indicates that the mark to the credit should be deleted by the mortgage area of XXXX XXXX XXXX Which does not exist ). 
I need my credit score as well as that of the co-debtor to be corrected.

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 2021-02-24 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: CA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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