vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Date : XX/XX/2022 at approximately XXXX PST. 

United wholesale mortgage ( UWM ) does not have oversight of required insurance policies. I received a notification to update my XXXX XXXX XXXX XXXX and to submit my insurance information through XXXX XXXX XXXX The notification indicate my condo policy expired on XX/XX/2022. 
But my policy shows the policy expires on XX/XX/2022. 
I uploaded my policy, and it was rejected without reason. 
I tried contacting a representative about it. 

But the webpage XXXX XXXX XXXX does not have a working contact number ( XXXX ) XXXX as indicated was discontinued. So I contacted the representative over at UWM servicing about my insurance submission at XXXX the representative told me she was not able to make any updates to the account regarding the insurance policy I have submitted. In addition, can only advise me to re-submit the same policy through the same portal, without a field for explanation. 

My property is a Condo so the master policy is under the HOA association 's name. However I can't communicate this fact to the servicer because the system doesn't allow it. I have also gotten a personal XXXX insurance under my specific name and uploaded that onto the portal just to attempt to resolve the issue. But I was still rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: MI

Complaint narrative:
My credit was merged with someone with the same birthday, including year. She tried to buy a car and my car loan showed up in her credit report. She was able to freeze my transunion credit and I came multiple times even sent a certified letter with proper identification, including passport, birth certificate and driver 's license. My transunion credit is now unfrozen but the report is not accurate and I still get this other persons name to pop up when I apply for things. I don't want to call back again, they are not helpful they don't understand and they don't fix the problem. I am young and would like to buy a house with my significant other and this is delaying that! I want it fixed and transunion to be accountable for their error! My experience credit is accurate.

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 2022-07-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-12 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 — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Genesis FS card services has a complaint filed with the ftc, I reported fraud that this card was used these charges I am disputing I sent them a copy of this ftc identity theft report and reported fraud. Im getting a letter after me calling several times and filing a complaint there trying to put these charges back on me I will not pay for anything I did not use. These charges need to be disputed and taking off or will consider this fraud XXXX have this account closed Im giving XXXX  a chance to make this right i am filing this with the consumer financial protection bureau to correct this issue. Not be blamed, I have made several attempts to call and explain what had happen now please. Dispute every item on this card. And bring it back to XXXX card loan amount or like I said I will close the card XXXX report this as being fraudulent by this company, I am providing the ftc identity th ftc identity theft report and show my information was exposed in a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied to refinance my home with Bank of America on XX/XX/2022. 
My original mortgage was with them for the past XXXX yrs. Never a late payment, FICO score XXXX, income XXXX plus, no other debt., 0n a XXXX refinance. After months of requesting different documents, while interest rates were rising. I was declined with no logical explanation. I received a text from XXXX XXXX saying they would not approve my loan at BOFA on XX/XX/2022 But XXXX sent me a letter saying my application process had been stopped at MY request which wasn't true. 

He then told me he had friend who could do my loan, XXXX XXXX. That i should contact him not Bank of America

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 monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
From XXXX  2022-XXXX  2022. They have been using different numbers and different companies in different areas of the United States from house loans, car loans, car insurances, credit cards, and banks and it is getting me very frustrated because no matter how many disputes I file it is not getting solved. I dont know who else to turn too.

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 2022-07-12 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on accounts I have listed below. After which I also filed a complaint with the CFPB ( Consumer Financial Protection Bureau on XX/XX/2022 for improper usage of my credit report. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated that my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX US BANKRUPTCY COURT Account Number : XXXX Account Name : XXXX XXXXXXXX US BANKRUPTCY COURT Account Number : 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 non-monetary relief
Consumer complaint received 2022-07-12 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/2022 I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on accounts I have listed below. After which I also filed a complaint with the CFPB ( Consumer Financial Protection Bureau on XX/XX/2022 for improper usage of my credit report. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated that my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : Account Name : XXXX XXXX XXXX CO Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  US BANKRUPTCY COURT Account Number : XXXX Account Name : CXXXX XXXXXXXX US BANKRUPTCY COURT Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft several years ago I let a family member my brother to be exact whom lived with us years ago which I have no problem reporting due to what he did to me. He used my information and my Social Security number to open several credit cards in my name as well as other accounts such as XXXX and etc. I was able to dispute a lot of things off my credit report and had them removed but there are a few companies that will not remove them as they were saying that they are accurate the reasons why they say that they were accurate is that there were several payments made to these accounts because as he was opening them he was making payments for quite a while and then all of a sudden just stopped making these payments which is when I noticed it on my credit report and I had knew that he had used my information to create all of these different accounts as he finally admitted to me what he has done and later got disowned by family as he did the same to them. I need help in removing them from my credit report as I feel that it is very unfair for me to have to deal with all the horrendous stuff he has done to me using accounts that I never even used or ever had the current accounts that I have open have all been paid on time such as my student loans XXXX  XXXX my car finance and also a loan place called possible one that I pay all on time and theyre none on default Im really trying to get my life back after everything hes done to me and several other people of my family as well. I really dont have anyone else to turn to and I was referred to the Ftc by a friend saying that I should report it to you as well as go ahead and make a police report please let me know what to do from here its more than one account its actually several at least XXXX or XXXX to be exact the rest were removed please help

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-12 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: GA

Complaint narrative:
This complaint is in response to CFPB # XXXX and CFPB complaint XXXX. XXXX stated that CFPB complaint # XXXX does not belong to them however respond back to CFPB complaint # XXXX. XXXX stated that XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. This complaint was filed on XXXX due to the fact that they failed to abide by the responsibilities of furnishers. XXXX pursuant 15 USC 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Please see attachment of XXXX admitted the verification of the XXXX showing the Public record showing verified that bankruptcy case number XXXX is accurately reporting on my XXXX report. Then see the attachment of a recent XXXX report showing that the Public Record has ben removed. I also have attached the reporting of the furnish Bankruptcy still reporting on XXXX and Transunion. XXXX, TransUnion and XXXX is in violation of 18 USC 1028A which is aggravated identity theft and I have reason to believe it has been done with forethought and malice. The following corporation and individual has been implicated in violation under the Rico Act. TransUnion, XXXX and XXXX. CEO of TransUnion XXXX XXXX, CEO of XXXX XXXX XXXX and CEO of XXXX 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 non-monetary relief
Consumer complaint received 2022-07-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Coradius International LLC
State: LA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against American Coradius Interantional LLC for committing identity theft. I have never given American Coradius International LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am fully aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both equally liable for violations under 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with American Coradius International LLC and my failure to. dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving American Coradius International LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from American Coradius International LLC before they decided to commit numerous violations under the Fair Debt Collection Practices Act. American Coradius International LLC is using unlawful extortionate means to commit abusive, deceptive, and unfair debt collection practices in order to bring harm to me and my financial reputation for an alleged debt that has not been validated. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activity, of this and any alleged debt until American Coradius International LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and American Coradius International LLC continues its collection efforts, I will file for litigation for actual damages caused and American Coradius International LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
United Wholesale Mortgage ( UWM ) needs to remove the domain https : //www.myuwmloan.com/ When a borrower google search contact UWM the above link shows up. The link does not take borrower to a page where they can make an inquiry on their account. It is a non-working link. This is misleading to the consumer. I had to look at my billing statement to find a working phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/22, i initiated XXXX external transfers from my Ally account to a previously Ally authorized external account ( XXXX XXXX XXXX XXXX ). The first transfer posted and deducted money from Ally on XX/XX/22 and posted at XXXX. The XXXX transfer deducted on XX/XX/22 from my Ally account but has NOT posted at all at XXXX as of this complaint date XX/XX/22. The third transfer just fell out of Ally 's system as they suspended my external XXXX transfer account. Numerous calls lasting 30 mins - 2hrs with 30+ mins of hold included, have resulted in being told that Ally cancelled the XXXX transfer and suspended my XXXX account but still deducted the funds from my account. They claim to be researching and to be putting the funds in my account but have not done although they admit taking the funds and NOT transferring them.

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 monetary relief