vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
This has happened to me two years in a row now. 

Freedom Mortgage has sent me the upcoming years Escrow Analysis Statements with large errors on them leading to my monthly payments increasing by $ XXXX {$800.00}. Last year it took me over half of the year with close to XXXX hours on the phone going line by line with my payments to prove that I was in the right with my payments, and they were incorrect. This year they have done the same thing. With me even overpaying into my Escrow account off of excess payments last year they are saying I am around {$5800.00} short when I should have around a {$2000.00} surplus. 

When I call the company, they say they will run a new statement ( which takes 10 days somehow ) and someone will be in contact with me. However, they have never called back once even when I proved I was in the right multiple times. 

I can not believe this is happening two years in a row and I do not know what to do anymore.

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 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
Mohela has not updated my PSLF payment accounts correctly after a year of waiting. There were two different loans on the account, unsubsidized and subsidized, and one was updated and forgiven, and one was left with no updated payment counts. 

When student loans have entered back into repayment ( which should not happen for me because these loans should be forgiven ), Mohela 's delay and incompetence has caused my loans to enter into repayment. As a matter of principle, I refuse to make another payment on the account because the loans should be forgiven in full. 

In order to gain more time for Mohela to do it's job ( which I have no faith they can do ), I submitted a forbearance request because I am not paying them another dime. However, as of XX/XX/XXXX, they gave me a letter that stated " sorry, we're not able to process this for 90 more business days, during which time you will be responsible for paying your loan. '' This is absolutely unacceptable and incompetent. My loans should have their payment counts already updated. My loans already should have been forgiven. While having to wait on this delay, it should not take 90 days for them to pause their own payment process and substantially negatively impact my family. 

Mohela has consistently done the wrong thing every single time given the opportunity in the past two years for both myself and my husband. He's had to file XX/XX/XXXX complaints, a CFPB complaint, and a complaint with his US Representative against this company. 

Their contract needs to be canceled and their company fined for mismanagement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir/Madam, My name is XXXX XXXX with an Iranian Passport. Me and my wife came from XXXX to XXXX on a XXXX XXXX XXXX. On XX/XX/XXXX me and my wife opened an account at a Chase XXXX in XXXX XXXX, after a few weeks Chase sent me an email stating my XXXX immigiration document is not valid, although in fact it is valid and they sent another email clarifying that because my country of nationality is XXXX they are closing my account. This is illegal and inhumane due to section XXXX of the civil rights act of 1964, no person should be discriminated against due to country of nationaility. I am in the United States as a Ukranian Humanitarian Parolee, I have rights to open bank accounts, work and access public services, however Chase ( JPMorgan Chase & XXXX ) closed my account merely because of my nationaility not my legal status in the United States. 

The correspondence proving this XXXX discrimination is heavily documented and I am ready to take legal action against JPMorgan Chase & Co . I have experienced severe financial and mental loss/damages because of the discrimination by JPMorgan Chase & Co .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: MD

Complaint narrative:
I deposited {$4500.00} from my employer yesterday to buy equipment I needed for my newly acquired job. The deposit was originally put on hold for a little over a week, and when I woke up and tried to login to my account I got an error saying 'No match found. Please create a new User ID and Password. '

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-19 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: LA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: VA

Complaint narrative:
I checked my credit report, and I saw a bunch of information that doesn't belong to me, from personal information, unauthorized inquiries, and account debts with several creditors and lenders that I don't recall having transactions with. I reached out to Experian, XXXX, and XXXX to dispute the inaccurate information, and it appears that they don't take my dispute seriously as I haven't received any feedback from them and it's been more than days already since I sent them a letter to conduct an investigation.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2023-10-19 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: VA

Complaint narrative:
i have been a monthly member with Equifax for 8 years. when i log into my equifax account it will not allow me to see my report. i need my report score due to errors on report to include to see if they have been removed. this has been going on for 4 weeks. every time i call equifax technical support they think i need help logging in to my account. I CAN LOG INTO MY ACCOUNT. WHEN I LOG IN EQUIFAX WILL NOT ALLOW ME TO SEE MY ACCOUNT SUMMARY. i have filled out 2 service work orders in the last 3 weeks with XXXX results. plus i just bought a 3 score credit report for {$19.00} and i still can not see my credit summary. i need access to my report. this is going on 4 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Workers and manager within the company Nation Star have tried multiple times to fix the accounting error. I am told it can not be fixed as they have few home equity loans and no process to permanently resolve. On the payment records they sent me it shows workers have attempted to move payments made from principle column to payments column. I receive weekly phone calls saying I am behind on payments. I am threatened by their escalation team. While in hospital and in recovery they called and I said everything is on auto pay, I cant owe. So I paid again ( occurring many times ) It bounced and charges went to my XXXX XXXX credit card with higher interest rate for entire balance & banking fees. ( also because of this I switched & backed up checking w/ XXXX XXXX XXXX credit card and at time didnt know about the extra fees & interests. This is a XXXX loan thru Nations Star ( NS ). I ask for help from XXXX & told many many times not their co. take it up with NS & have for two years! At the end of every phone call they must say thank you for using XXXX. So it is both companys problem to fix. XXXX is a bank & I am a stock holder as all who are members. If they do this to me, I think they are doing it to more members. 
This all started when I went from XXXX to XXXX. I missed a payment at time of switch over I readily admit. & attempted to resolve. It & other extra payments went to principle. There are fees fines and aggregation. Ive had friends try to help, my XXXX tried, to no avail. I am XXXX and try hard to pay everything. My current medical bills are high & I cant keep paying XXXX more & more XXXX and interest.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
XX/XX/17 : received debt collection call from. " XXXX, a manager '' ; advised him to do not call my number again. 

XXXX called again, declined call XXXX called again, spoke with XXXX reiterated XXXX request , advised reporting violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
XX/XX/23 I deposited {$990.00} into my Robinhood account. The account was then restricted and access to my funds were denied. I provided all documentation confirming that I am the owner of the account that the {$990.00} came from. Their policy states you will be updated on the status of the account with 10 days. It has been more than that and I have not gotten a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: GA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LoanCare, LLC
State: NC

Complaint narrative:
On XX/XX/2022, I refinanced my home from LoanCare LLC to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was inquiring from LoanCare LLC to find out if I was suppose to receive a refund from my Escrow Account. It has been more than 4 weeks since I sent the letter requesting that information and to date, I have not received a response. Also, I did not receive any documents stating that the loan was Paid in Full. If there was a refund sent and somehow I don't remember it, which I doubt, I would like evidence of that action. Thank you.

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 2023-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a letter from XXXX XXXX ( I guess this is who XXXXXXXX XXXX uses for their department charge card ) alerting me to an unpaid amount that has been accruing late fees. I called XXXX XXXX XXXX to inquire about the charges since I had not purchased anything nor did I authorize any purchases. I was redirected from XXXX XXXX to XXXX 's fraud department. I spoke to the fraud department asking them when the charges were made, who signed for the charges, and XXXX 's could not provide any of this information. I informed them that I had not made any purchases in XX/XX/2023. The amounts XXXX 's has been quoting me that I owed was between {$200.00} and then {$400.00} ( I received no bill and no straight answer answer from XXXX 's ). When I asked the fraud department ( at XXXX ) how anyone can charge on an account if the department card is not present, they said, " all anyone has to do is call up an account number '' I then replied, " how does an employee confirm that the person making the charge is the same name on the license as the account. '' The employee at XXXX 's XXXX said, " We don't ask for any confirmation. '' I then asked, " what do you do to ensure protection of your customer? '' The XXXX rep 's reply, " nothing. '' I informed the XXXX XXXX XXXX department that I only purchase the same items twice a year and that if they look at my purchase profile, the fraudulent purchase are inconsistent. I also pay my any amounts I owe and I am never late. I explained to XXXX 's that these fraudulent charges sound like an employee made these purchases. The rep did not respond. The fraudulent charges were made at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX. I filed a police report and have been trying to get XXXX 's fraud department to respond and nothing thus far. I am seeking assistance.

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 2023-10-19 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I have requested additional information about these fraudulent accounts that were applied for and opened in my name without my consent. I have attempted to get the companies to respond back several times. 

Company : SANTANDER CONSUMER USA XXXX XXXXXXXX. TX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( {$12000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I checked my credit report, and I saw a bunch of information that doesn't belong to me, from personal information, unauthorized inquiries, and account debts with several creditors and lenders that I don't recall having transactions with. I reached out to XXXX, Equifax, and XXXX to dispute the inaccurate information, and it appears that they don't take my dispute seriously as I haven't received any feedback from them and it's been more than days already since I sent them a letter to conduct an investigation.

Company response to consumer: Closed with explanation