vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX of XXXX  I had to file two police reports of fraud from Bank of America, someone tried to open up an account or has an account in my name, not sure if it's a checking/savings account or credit card. The company did not give me any information as to who opened it or who has it. XXXX  XXXX  police report of fraud is # XXXX I live in XXXX XXXX, Oregon XXXX police report of fraud is # XXXX the person who opened account is in XXXX Oregon.

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 2023-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
We have had a high interest mortgage for almost 5 years now through shell point mortgage and they use a third-party to collect payments. I pay half of the mortgage every two weeks from our personal checking and for the past XXXX XXXX XXXX Ive had to call them every few months and ask them to apply my payments correctly. Last year they had to reverse {$11000.00} in miss applied payments now when I call they say I am not making my minimum payment which is incorrect. They are charging me almost {$900.00} in late fees every month and I can not get anyone to help me reverse the payments. They also tell me its my fault because I go through my bank instead of through the third-party for my biweekly payments, there is record of me calling every few months, and yet I can not get help. Ive even asked for the third party information so I can make payments through them, but have not yet received anything. I believe this is more than poor customer service. This is an opportunity for them to scam us. In the past Ive paid {$1800.00} biweekly which they have misapplied but have been able to reverse now when I call they say Im not making my minimum payment and if I up my payment then it will automatically go towards my payment so I upped it to {$1900.00} And it is still not being applied correctly. By miss applied what I mean is rather than applying my payment towards my monthly payment they are applying my payment towards the principal, and again saying its my fault because I make a biweekly payment. There are more weeks in a year than there are payments, so if they are applying things correctly first and then applying overage to the principal, then I would be current in my monthly payment. I am beyond frustrated. I shouldnt have to be penalized because they use a third party who cant apply my payments right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYST Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX XXXX - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Firstly, I paid My state of XXXX. state income taxes. They never received a payment from Wells Fargo Bank. Secondly, I made a payment to XXXXXXXX XXXX XXXXXXXX XXXX, who also didn't receive money withdrawn from My checking account. XXXX XXXX credit card # XXXX XXXX XXXX XXXX. Lastly, Wells Fargo brokerage illegally transferred stock certificates to XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX without My permission. Kindly audit My brokerage account for illegal activities on the part of Wells Fargo Bank. The brokerage account number is XXXX Wells Fargo Advisors . Inconclusion Their are times when ; The fund I invested should have made XXXX  gains, but it decreased in value. I question If shares were transferred to conceal someone stealing from My account

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Have previously tried to resolve issue with USAA, to no avail. I am still being charged for closed accounts. Information is conflicting and inaccurate, I have two closed accounts that have conflicting dates and amounts. I have read USAA 's response, which further confuses me when looking at my credit report. None of the information coincides with the Credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
I have a prior complaint # XXXX in relation to this alleged debt. This company removed the item from all credit reports. On XX/XX/XXXX  I noticed a new item on my credit report, with the same original alleged debt. How could this be? How can the first company delete the alleged debt then sell the alleged debt to another company. It seems very illegal. I feel this is a bio violation of the fair credit reporting act because I did not receive any notification of reinsertion of this alleged debt and how can a company sell a debt they state they will delete and notify the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX  Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX  - Date Opened : XXXXXXXX  - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with Transunion. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, 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 2023-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
Sn servicing has collected money towards maintaining an escrow account to pay insurance and taxes. They have yet to make any payment to our insurance company, and as a result the out was canceled effective XX/XX/XXXX. XXXX reached out to them multiple times requesting payment, with no response. In XX/XX/XXXXXXXX  the mortgage company claimed not to find any information on the insurance policy, and I sent them emails with all of the relevant information. Yet they apparently never made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is NOT MY ACCOUNT, CARD! I have disputed I do not know who this company is, no do I know what a flex spending account is, in XXXX  the only debt I had was XXXX XXXX loans so this isnt mine! Ive recently disputed and instead of deleting this wrong information the update the account ruining my credit even more and marking it a CHARGE OFF DEBT! If this isnt immediately resolved I am reporting to the identy theft website, report to the XXXX, and file suit! 


And looking at the information you are inaccurately reporting anyway, multiple violations pertaining to how this is reporting besides the fact I have no knowledge of this account According to 15 USC 1681eb A Furnisher is required to report maximum accuracy on the consumer 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
Consumer complaint received 2023-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: MS

Complaint narrative:
I got an email form the creditor stating that a payment is due on XX/XX/XXXX  in the amount of {$280.00}, when my credit union already made a payment on XX/XX/, on my behalf in their online " Bill Pay Service '' ( See attachments copy of processed check ) with check number and confirmation number. The Upgrade loan account has " not '' been credited for the amount paid of " {$280.00} '' as of today 's date of XXXX XXXX, XXXX, even though it was paid early ... ... Thus, I am subject to late penalties and fees for the payment not being credited on time, ( see attachment, " borrower agreement page 3 '', " highlighted '' in yellow ). It is not " MY FAULT ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX   I did an online request for a payout of {$300.00} for my rewards- this should have gone into my checking account ending in XXXX. Instead, it was deposited into an account ending in XXXX, which does not belong to me. They don't seem to understand that I have not received the rewards cash, despite me explaining numerous times. I have no idea what to do at this point since I can't get through to anyone there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX Westlake Financial SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : WFS - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, 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 explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX  - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : TransUnion, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, 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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX  - Date Opened : XXXXXXXX  - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, Equifax, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX  - Date Opened : XXXXXXXX  - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and Experian. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, 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 explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute into Equifax reporting unreported/unverified information on my public record on XX/XX/XXXX  meaning that Equifax 's deadline to respond was XX/XX/XXXX  but Equifax did not respond until XX/XX/. This is a violation and as a result these items must be removed per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX I attempted to close my checking account with TD Bank that was opened approximately 2 weeks ago. I attempted to transfer the balance myself the night of XX/XX/XXXX and was locked out of my account and received a message stating that. 

I called on the phone and to either close my account or fix my account to be in a position to transfer the money to a functioning account I must enter into a branch which I am 10hrs away from the closest one and was given only that option. 

Obviously I cant do that and do not have the means to drive 10hrs to close my account and have the funds dispersed to which they said they cant do over the phone either along with being very stubborn. 

I just need my account closed and the remaining balance of {$120.00} sent in the form of a check to my residence which is different from which is on the account.

Company response to consumer: Closed with non-monetary relief