vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Re : Acct # XXXX On XX/XX/XXXX I spoke with XXXX XXXX at ShellPoint Mortage and reached agreement to make 3 months payment and then Shellpoint would bring my mortgage current making my next payment due on XX/XX/XXXX. 

I made this down payment in XXXX via several checks totaling {$2000.00} as noted below ( see copies enclosed ) : CHECK DATE CHECK AMOUNT CHECK NUMBER XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX {$510.00} XXXX I then received a letter dated XX/XX/XXXX ( see attached ) regarding a repayment plan for account # XXXX. This letter states that a down payment of {$2000.00} was due on XX/XX/XXXX. Since I made the payments as listed above I expected that this was the down payment. I wrote to ShellPoint on XX/XX/XXXX ( see attached ) asking that they confirm that the down payment has been satisfied and I can commence with the next payment on XX/XX/XXXX. But, to date I have not been able to get a straight answer or response from ShellPoint. 

So, I am submitting this request in hopes that they will respond and confirm receipt of the down payment and confirm that this payment agreement is in effect and that my next payment is due on XX/XX/XXXX. 

Additionally, I do have concerns with the monthly amounts as stated in my letter, especially escrow for insurance payments when I am not aware of ShellPoint making any insurance payments on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/ enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NY

Complaint narrative:
Hello, I have guaranteed 2 loans for my son XXXX XXXX XXXX in XXXX when he was attending XXXX. 
He stopped attending due to family issues. 
I was incarcerated. 
We became estranged. 
During my incarceration I applied and received forbearance up to XX/XX/XXXX with FedLoan. 
I was released in XX/XX/XXXX to a Halfway House in which I stayed for 9 months up to XXXX of XXXX. 
From XXXX until XXXX Fed Loan was sending mail asking for payment to my home address. 
I did not receive any of that mail or any other mail that was being mailed to my home address because my son XXXX was living there and he would not give me my mail or any of my paperwork or belongings. 
In XXXX of XXXX I first checked my credit score and found that it was in the 300 range. I could not understand why it was so low. 
I then found the many late payments on the 2 FedLoans. 
I contacted FedLoan and made a payment agreement. 
After making the payments for 3 months I asked them to remove the late payments. 
They refused. 
I worked with XXXX XXXX credit repair to help me with the ; ate payment issue. 
They were unable to do so. 
I have been paying the loan, applied for secured credit cards in order to increase my credit score.

But that is very hard with having 2 180 days late payments for school loans.

I respectfully ask for your help to remove the 2 180 day late payments please. 
I need your help to raise my credit score and rebuild my life. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I got a letter from the president of the bank vice president and then things were rectified and I no longer hold the money that they said I over then when I used my refunded money back they didn't clear out all the overdraft fees and left like a {$34.00} or some small fee on my checking account it began to grow and swell to {$57.00} or more I don't like tactics like this and I want to close my account and I feel like I'm being charged with an undisclosed hidden fee for closing my account I got a letter from XXXX XXXX Senior vice president XX/XX/XXXX XX/XX/XXXX I'm sorry 2020 I was giving a credit of XXXX on account ending XXXX yet the resolution transaction dispute good newsletter case was approved became an additional hidden about that led to an overdraft fee right now which is the subject of this complaining the reason why I'm closing my my checking account asking to waving the {$54.00} that you're charging my account under the rest you're running my business away and that is why I've contacted you to end our relationship it's unfortunate but you know I can't keep looking over my shoulders for hidden fees and cost address of communication with some XXXX XXXX lady that I do not know

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had identity theft. I sent letters in XXXX and followed in XXXX and have heard nothing, I am doing this online through the CFPB because of COVID-19 and perhaps the letters have not been processed.

I have multiple accounts that need to be blocked from record due to investigations of indentity theft. These are XXXX XXXX XXXX and  XXXX. 

I have attached my identitytheft.gov report, my reports, and the letters I sent the CRAs

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 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I deposited Funds to synchrony bank with a new account open. I was told there are no holds for new accounts and if I sent a wire transfer, there would not be a problem. the funds would be available immediately. 

I funded the account and requested the funds to be wired out to two multi nation companies. I waited a day and was told after three calls to figure out whats going on, the company told me the account was under " review '' and that they do not allow me to wire funds out of the account. They also told me that one of the companies I wanted to wire to, XXXX, they would not allow. This company has not given me an actual answer as to why they are holding my money, and a " review '' is not substantial. I have a right to know the exact reason. 

Essentially, this company has been holding my funds for no valid reason. I opened up my bank account with my real accurate information. The company allowed me to open the account. I funded the account not with ACH but with real hard funds via wire. The company is now holding those funds without cause.

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 2020-04-21 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2020-04-21 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Since 2014, every time I try to request my XXXX report for Experian, I get the following : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 

XXXX XXXX XXXX  Request Service XXXX. XXXX XXXX XXXX, GA XXXX I have had no issues with XXXX  or XXXX. I do not have any freezes with any credit 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 2020-04-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
We paid out credit card payment on XX/XX/20 in the amount of {$10000.00} which was the full amount due and paid by autopay from our bank on the day it was due. Since then, our card has been declined. Looking into our accounts, our bank paid the full amount above, we received a notification of the withdrawal and the credit card account shows it being paid, however, the payment on their end is " on hold ''. So we have no access to our credit card, the money came out of our bank account 5 days ago and has been credited to our account on the credit card website. It is barlaycard. I have been trying to call them- yesterday was on hold for over an hour, and now as I write this am still on hold for over two hours. We paid our bill on time in full 5 days ago, why is our payment " on hold '' why is the money out of our bank, why wont they answer the phone? God forbid this was some poor soul in a real crisis that needed their credit card asap!

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 2020-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
TCF Bank case number :XXXX. On XX/XX/XXXX XXXX My checking account.I made a purchase on line for a money back guarantee fo XXXX  XXXX as seen on XXXX XXXX. The diet pills had a clear ad to purchase at a cost of {$29.00}. Soon after I made this purchase .l seen my checking account was charged {$80.00} + again for {$190.00}. I then talked with my bank and they said : the company was XXXX. I asked the bank to file a dispute as that amount was not authorized by me .The bank said I have to deal with that company myself .So I called that company XXXX XXXX XXXX to put a stop on this order ( next day ). They said it's already shipped. 2 weeks later I got it .I called them for a return address .I then shipped this to : returns and receiving XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CO. XXXX XXXXtheir RMA NOXXXX. Since then I've been dealing with their O.L customer support people by E mail I got confirmation from USPS that it was delivered to them on XX/XX/XXXX. Tracking number is available .Have no Idea why this bank I've been with for a long time won't file the dispute .XXXX XXXX dispute services TCF XXXX XXXX XXXX. Waiting for your reply Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: OH

Complaint narrative:
I had identity theft. I sent letters in XXXX and followed in XXXX and have heard nothing, I am doing this online through the CFPB because of COVID-19 and perhaps the letters have not been processed. 

I have multiple accounts that need to be blocked from record due to investigations of indentity theft. These are XXXX  XXXX XXXX and XXXX. 

I have attached my identitytheft.gov report, my reports, and the letters I sent the CRAs

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 2020-04-21 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: OH

Complaint narrative:
I had identity theft. I sent letters in XXXX and followed in XXXX and have heard nothing, I am doing this online through the CFPB because of COVID-19 and perhaps the letters have not been processed. 

I have multiple accounts that need to be blocked from record due to investigations of indentity theft. These are XXXX  XXXX XXXX and XXXX. 

I have attached my identitytheft.gov report, my reports, and the letters I sent the CRAs

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A charge of {$300.00} was made for XXXX XXXX XXXX bill pay on my credit card. I do not have XXXX XXXX XXXX I called Bank of America XX/XX/XXXX and a women reversed the charge. and I got a letter. XX/XX/XXXX ( Attached ) One XX/XX/XXXX I get another letter saying now they put it back on for the reasons in the letter XX/XX/XXXX I call them again, speaking to a young women who tells me they have until XX/XX/XXXX to respond, I got no answer. I called again spoke with XXXX and a Supervisor. They also claimed to not have gotten the first letter. I also called XXXX XXXX XXXX to see if I could get a letter saying I don't have an account which because I don't they won't give me one. They tell me they will resolve it before XX/XX/XXXX. XX/XX/XXXX I send another letter ( attached ). XX/XX/XXXX I get the letter saying that While I personally didn't make the charge ( s ) we confirmed it was made by an authorized user on the account or someone who has permission to use the card. I called again, this time they reopen again, I asked who is this person so I can go to the police, I am told they don't know, I say give me the account number you paid to the XXXX XXXX XXXX bill pay. They say the can't. All letters are attached. I am a one person home and no one has my credit card information.

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 2020-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
WAKEFIELD & ASSOCIATES ( XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Today Wells Fargo closed my bank account and issued a cashiers check without my consent. Upon inquiring about the transactions, Wells Fargo call center did not care, provide information, or try to help me recover my funds.

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 2020-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Predatory mortgage servicing : Specialized Loan Servicing is manufacturing a default on our mortgage by manipulating the escrow account. 
SLS recent analysis XXXX XX/XX/XXXX XXXX stated an escrow shortage of {$2800.00}, SLS has failed to manage our escrow account with safeguards in place to ensure there's enough money in our escrow account to cover our property taxes and insurance premiums. 
SLS has disbursed funds to us in XXXX and XXXX of overage funds in escrow account. 
Our home of 26 yrs. and we are on a fixed income is NOT able to pay {$2800.00} due to their unscrupulous service. 
We requested SLS to remove the escrow shortage due to their negligence in the amount of {$2800.00}.

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 2020-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Some one hacked into my XXXX XXXX account and enrolled me into Zelle and withdrew {$500.00} from my XXXX XXXX  account the persons name that is listed on the transaction is XXXX   XXXX XXXX. I have never heard of XXXX  and did not know who they were. When I loged into my XXXX  account thats when i was hacked and someone had a virtual connection of my computer using XXXX  XXXX. This person XXXX XXXX stole {$500.00} from my XXXX XXXX  account using XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: CA

Complaint narrative:
I AM A VICITM OF AN IDENTITY THEFT, AND NUMEROUS TIMES I HAVE REACHED OUT TO XXXX   XXXX  XXXX AND TO EQUIFAX TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE CHARGES ON THE CARD ARE FRAUDULENT, THE ACCOUNT WAS OPENED WITHOUT MY CONSENT. JUST BECAUSE THEY ARE BIG CORPORATIONS, THEY ALSO HAVE TO UNDERSTAND THAT I AM VICTIM AND I SHOULD NOT BE PENALYZED EVEN MORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, AND SOMEONE STOLE MY INFORMATION AND OPENED FRAUDULENT ACCOUNTS, THE CHARGES ARE FRAUDULENT AND NOT MINE. JUST BECAUSE THEY ARE BIG CORPORATIONS AND THEY CAN CONTROL PEOPLE BUT THEY SHOULD UNDERSTAND THAT I AM VICITM THESE CARDS AND THESE CHARGES ARE FRAUDULENT.

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