vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 5. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX  9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 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 2023-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: NV

Complaint narrative:
I write to request a 3 month extension of my forbearance to allow for United Wholesale Mortgage ( " UWM '' ) to process my pending deferment application. 
Due to a COVID-related incident, in XXXX of XXXX I was placed on a 3 month forbearance with UWM ( see attached ). Three months later, while still experiencing a financial hardship related to COVID, I received an additional 3 month forbearance ( see attached ). The forbearance was scheduled to end XX/XX/XXXX. 
On XX/XX/XXXX, I contacted UWM to apply for a deferment of the outstanding balance that accrued during the forbearance period -- approx {$25000.00}. I was told it was too early to apply and that I should wait until mid-XXXX. It was explained to me that the deferment application takes 10-14 business days, and once approved, my loan would be placed back into repayment status and my regular monthly payment would resume. 
On XX/XX/XXXX, I contacted UWM and applied for a deferment. I was told it would take 10-14 business days and that my deferment would be approved because the forbearance related to COVID. I was told that I would continue to receive notices to contact UWM for a " loan workout '' ( see attached ) but that I should ignore them because my deferment application was pending. Thereafter, on XX/XX/XXXX my loan was taken off forbearance and placed in repayment status. I contacted UWM on XX/XX/XXXX to inquire when my deferment would be processed and asked how I should submit the monthly payment for XXXX. I was told to wait, to be patient, and to NOT make any payments. 
It is now XX/XX/XXXX, and the only correspondence I have received from UWM are letters telling me to contact them to " work out '' an agreement to payback the outstanding balance. When I call, customer service tells me that the letters are standard and that I should ignore them. Moreover, I am told that my deferment application is still under review. During a phone call XX/XX/XXXX, I was told that UWM takes 30 days to process deferments so I would likely not receive a response until mid-late XXXX. By that time, I will be past the grace period and UWM said they would have to report the delinquent payment to the credit bureau. 
UWM completely misrepresented the deferment process to me when I first applied for the forbearance. Further, they misrepresented to me the timeline for applying for a deferment. Each time I call I receive the same response -- wait. Meanwhile, I risk getting a negative reporting because of UWM 's misrepresentations. Please correct this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: Westlake Services, LLC
State: TX

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: AK

Complaint narrative:
Genesis FS card services has called me twice today. Both times I refuse to speak with them because I recently became a victim of identity theft and the company who is calling me does not match the name of the card I have and they wont say what card they are calling in regards to until after they confirm the person they are speaking with or the person states their name and verifies who they are looking for with what should be sensitive/secured data, when introducing themselves AND they keep calling from masked numbers. 

I have a Florida cell phone number but I live in XXXX XXXX Alaska, genesis fs card service is masking their calls with a XXXX area code ( Alaska ) and keep calling from different numbers even though they do not have any offices or head quarters in Alaska. I only answer local ( to my location ) numbers because of my children or the police because everyone else who is an Alaskan number can be saved in my contacts due to having one phone number they call from other than toll free numbers listed for customers to call. 

They also seem to only have people of XXXX or XXXX XXXX  XXXX decent calling customers. And I dont know if they are in some boiler room in XXXX or if its really even my actual creditor calling being that they are using deceptive debt collection practices by masking their numbers and calling multiple times in one day, every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) by your agency. My name is XXXX XXXX XXXX, and I have recently discovered that certain items in my credit file were previously deleted, but they have been reinserted without providing me with the required notification within 5 business days. Furthermore, it appears that these items were not properly validated as per the certification requirement.

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I accidentaelly uploaded my friends information to my previous complaint as I am using a work computer, there is other peoples information here because this is our HR department.I am reuploading my information to try and correct the problem. I ask that you look into my issue of identity theft, the accounts and misinformation of there do not belong to me. 
XXXX XXXX  - {$18000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$6700.00} XXXX  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 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: VA

Complaint narrative:
This complaint is against United Wholesale Mortgage , LLC. Since XX/XX/XXXX, I have had a mortgage financed through this corporation. I have never missed a payment to date. I receive calls on a daily basis, sometimes multiple calls within a XXXX hour period. I receive calls despite never being more 30 days past due on a payment. I receive calls starting on the XXXX of the month ( due date ), even though the terms of my mortgage allow for payment up to the XXXX of the month without incurring a late fee. I have never been so harassed by a single company in my entire life, and I deeply regret having ever obtained a mortgage through this company. It is undue harassment given that I make all my payments. Today, XX/XX/XXXX, I received yet another robocall stating this is an attempt to collect a debt ( which is inappropriate given I have until the XXXX under the terms of my mortgage schedule to make a payment and I am up to date on all required payments. I told the representative today that the monthly balance for XXXX ( which can be paid without a late fee until XX/XX/XXXX ) would be paid. If I receive another call within seven days of my communication with UWM about this months payment, I expect action to be taken based on the CFPBs own policies under the Fair Debt Collections Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: AR

Complaint narrative:
Today, I am filing a case against the Equifax and XXXX Credit Bureaus for violations of the Fair Credit Reporting Act or FCRA, Section 605b. These credit bureaus have engaged in unfair and deceptive practices by providing inaccurate information in my credit file. I am not satisfied of what the Equifax and XXXX Credit Bureaus reported some inaccurate information in my credit file. I found out some inaccurate inquiries and I never upheld these all, For this reason, I want you to help me delete these inquiries in my credit file : XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX Inquiry : XX/XX/2023 ; XXXX Inquiry : XXXX. XXXX, 2023 ; XXXX Inquiry : XXXX. XXXX, 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I have tried to contact Westlake Portfolio, LLC about my auto loan since XXXX. I reached out to them by phone and written notification to try and obtain a copy of my original contract the my auto loan creditor gave them once they permanently closed. Westlake has had my account for almost 2 months and claims that they have not received my contract or my title from the original creditor but they continue to charge me unrelated fees for my loan and sending letters with the incorrect amount that I owe. I tried disputing the amount because it does not match what is reported on my credit, the amounts are significantly different. Westlake says I owe more than my credit history actually shows. I tried to make a final attempt to obtain the proper documentation so I can know how much I owe on my loan but they have refused to give me anything but keep adding fees to my monthly payments and demanding that I pay more than I actually owe them. They sent me a letter threatening to put my account in default and repossess my car if I didn't pay them the extra fees that they claim I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: TX

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-06 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: TX

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been registered to my fathers credit as an authorized user for years now. He has many credit transactions that shouldve built up my credit score and made a credit history. But every time I try to apply for anything that involves my credit, it wont allow me to apply because I do not have a credit history. I just want to figure out why this is happening and how I could fix this so I can start using my credit to finance certain things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
The day XX/XX/23 I deposited {$3400.00} into the Third Fifth Third Bank ATM machine located at XXXX XXXX XXXX branch in XXXX, Fl at XXXX XXXX. When I first entered the money ( XXXX bills of {$100.00} denomination and XXXX bills of {$20.00} denomination ), the ATM returned {$300.00} in {$100.00} bills. When I entered the {$300.00}, the ATM received the bills and opened the operation. At my surprise, the ATM did not register the whole operation, this is the {$3300.00} but {$3000.00}. Immediately, I talked to the personal banker XXXX XXXX who helped me to create the dispute case # XXXX. On XX/XX/23 the personal banker and the branch manager told me that they had not found any problem with the balance of the ATM and that the money would not be returned, being this the reason why I decided to call the Dispute area of the bank to claim the money deposited at the ATM. A few days later, the bank deposited the {$300.00} and I dedided to send an email to XXXX to thnak for her initial help. 

Surprinsingly, on XX/XX/23 I received a letter from Fifth Third Bank Headquarters regarding the transaction dispute. In this letter the bank informed me that the dispute was solved against me and in the same date, that is XX/XX/23, the temporary credit was reversed. I dont agree with this situation because it is clear the ATM did not deposit me the money I intended. I consider this must and should be proved through the different security cameras of the branch. I respectfully ask you to overview this dispute and look throughthissituation. 

Today my checking account is overdratf in {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
It's very hard to get information referencing this HELOC. It seems I only get a response when request through CFPB. 

I'm requesting billing statements from XX/XX/XXXX through XX/XX/XXXX. I have sent a request to to the below add on XX/XX/XXXX per the instructions on Citibank 's letters. The request was sent via priority mail but it was returned to me XXXX XXXX as return to sender. 

Citibank , N.A . 
XXXX XXXX XXXX XXXX XXXX, TX 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