vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against Freedom Mortgage regarding a serious issue with the creation of an escrow account without my knowledge, which has led to the improper distribution of tax dollars and an unjust doubling of my mortgage payments. 

Background : I recently discovered that Freedom Mortgage incorrectly established an escrow account for my property taxes in XXXX XXXX. Despite my property taxes being fully paid and not overdue, Freedom Mortgage has disbursed tax dollars from this account for taxes I did not owe. This mistake has had significant financial repercussions for me. 

Specific Issues : Incorrect Escrow Account Setup : Freedom Mortgage initiated an escrow account without verifying the accuracy of the tax information. As a result, they have erroneously collected and distributed funds for taxes that were not owed on my property. 

Increased Mortgage Payments : Due to the incorrect setup of the escrow account, my mortgage payments have been unfairly doubled. This increase is directly related to the mismanagement of the escrow account and the improper disbursement of funds. 

Actions Taken : I have attempted to resolve this issue directly with Freedom Mortgage, but their responses have been inadequate. They have not provided a satisfactory resolution or corrected the errors in their records, despite my numerous attempts to rectify the situation. 

Request for CFPB Assistance : I kindly request that the CFPB investigate this matter and take appropriate action to ensure that : The incorrect escrow account setup is corrected. 
The erroneous payments made from the escrow account are reimbursed to me. 
My mortgage payments are adjusted to reflect the correct amount, eliminating any undue increase caused by this error. 
I am including copies of all relevant documents, including correspondence with Freedom Mortgage, statements showing the incorrect escrow setup, and evidence of the undue increase in my mortgage payments. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely,

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 2024-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: WI

Complaint narrative:
On XX/XX/year> I called and requested payment records for my loans. After their transition all payment history is now unavailable. I never received the information requested. I called again on XX/XX/year> and they escalated the request and sent me XXXX emails which stated I could access the payment history via the online portal which you can no longer access. I called again on XX/XX/year> to Inform them. 
It is an abuse to consumers that we have no access to our payment history and have to jump through obscene hoops to obtaining this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit 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: NJ

Complaint narrative:
Summary : Bank of America , N.A . rejected my fraud claim that my credit card information was used without my permission to buy prepaid cards in XXXX. I have never been to XXXX and have XXXX connections to anyone there. 

Background : I have this credit card with Bank of America for XXXX years. 

On XX/XX/year>, I noticed XXXX unauthorized transactions in my credit card statement. 

They showed up as XXXX transactions. 

XX/XX/year> " DESCOPREPAID XXXX XXXX. '' {$130.00} XX/XX/year> " DESCOPREPAID XXXX XXXX. '' {$130.00} Total : ~ {$260.00} Upon researching what " DESCOPREPAID XXXX XXXX '' was, I discovered that these are like prepaid gift cards for Utility services in XXXX. 

https : //prepaid.desco.org.bd/ I live in New Jersey and have never been to XXXX. I have XXXX connections to anyone there. I didn't authorize these transactions and immediately reported to Bank of America for fraudulent transactions. Bank of America temporarily refunded me {$260.00} and sent me new credit cards the following week. 

On XX/XX/year>. Bank of America denied my fraud claim and charged me {$260.00} for what were clearly fraud transactions. I am now afraid to have this credit card from Bank of America in my possession because it becomes a liability when I am a victim of fraud, and Bank of America would still force me to be liable for it. This is unacceptable for any consumer. As a result, I'd like to complain about this unethical behavior formally and indicate that Bank of America is operating like a fraudulent bank. 

Claim Information with Bank of America : Claim number : XXXX Credit Card Accounting Ending : XXXX Total Amount : {$260.00} Date : XX/XX/year> 2024

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 2024-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.

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 2024-08-08 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
I was disheartened to discover unauthorized inquiries on my credit report this morning, and Im at a loss as to why theyre there. I checked my report as I routinely do, only to find unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries remained. Im urgently requesting that the documents Ive submitted be reviewed meticulously so that I can have peace of mind moving forward.

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 2024-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Midwest Loan Services, Inc.
State: OH

Complaint narrative:
On XXXX, XXXX, Midwest Loan Services withdrew {$1300.00} from our checking account without our authorization. This resulted in a double payment because I had set up an autopay through my bank. 

Our home mortgage was recently sold to XXXX XXXX XXXX, which uses Midwest Loan Services. The company had sent us a " welcome packet '' with a form for us to complete if we wanted them to extract the money from our account. We did not fill in that form. Instead, we set up autopay through our bank account. 

Today, I spoke with XXXX 's agent, Midwest Loan Services, and resolved the problem. However, I would like to let you know about their illegal practice so you can make sure they don't treat other customers like they treated us -- withdrawing funds without the customer 's permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am and have been an Amazon Prime Member for several years. In early XXXX I was sent a solicitation for an Amazon Chase Credit Card which offered reward features that I liked and so I submitted the application. The application of course offered the card to family members so I requested a card for my wife also. In my XX/XX/XXXX bill I saw the charge of {$140.00} for Prime Membership so thought nothing of it since I was a Prime Member and the charge on this card came with cash back rewards. Six months later, on my XX/XX/XXXX bill came a similar charge, {$140.00} for Prime Membership. I'm embarrassed to admit that at the time it did not register to me that I had the same charge just 6 months earlier. It was only yesterday, XX/XX/XXXX, that my wife and I realized that we were both being charged for a Prime Membership even though we are in the same household and related. My wife never applied for her own Prime Membership. We contacted Amazon yesterday and they agreed to cancel and refund the XX/XX/XXXX billing of XXXX. It seems suspicious that we were double billed and exactly 6 months apart so discovering the double-billing is difficult. It seems we should be refunded the XX/XX/XXXX and XX/XX/XXXX charges of {$140.00} as well but Amazon-Chase don't tell us how to go about requesting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> Fraud was committed on my debit card which is is connected to my bank acct I reported it to chase bank, there were XXXX charges. Today on XX/XX/year> I came to realize the credit they issued for XXXX Fraud was reversed and taken out of my acct, when I called they said they have proof It isn't fraud, I spoke to XXXX he refused to show me send me that info so I asked for a supervisor, the supervisor said she would send me that info but it was confirmed I made the transaction because chase said they XXXX had my full name, address, email address and phone XXXX I explained to them that who ever did this stole my identity XXXX I needed to change all my access they didn't want to hear me or my explanation and told me I am liable for that charge and the other ones were still pending. How can I b liable for that they keep asking me if the card was in my possession as if I gave it to someone, they r accusing me of that, I responded of course the card was in my possession I used it and made purchases with it at stores. They will not help me or reopen the case, they took back the money of XXXX. I did not commit this fraud my identity was stolen and I really would like my monies back. Thank u

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-08-08 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: MO

Complaint narrative:
This morning, I was horrified to see erroneous accounts on my credit report. I checked it as I normally do, but suddenly, there were discrepancies I didnt expect. Refreshing my browser didnt fix the problem, and now these inaccuracies are still there. Im really distressed by this and request a thorough check of the documents I sent so that I can stop worrying about these issues.

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 2024-08-08 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: MO

Complaint narrative:
Im in complete disbelief after discovering incorrect accounts on my credit report today. I reviewed it as part of my routine, but discrepancies showed up out of nowhere. I even tried refreshing my browser to see if it was a technical glitch, but the inaccuracies stayed put. Im very disappointed and need the documents Ive provided to be reviewed carefully to ensure this doesnt happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have been a client of the Huntington National Bank in XXXX, XXXX since early XXXX '' XXXX. 
On XXXX XXXX I received certified letters from the bank informing me of the decision to end their relationship and close all my accounts, more than a quarter XXXX dollars in various accounts and investments within a month. Reasons, and I quote : ( XXXX ) - " Per account agreement, bank can close any account any time for any reason with or without notice to you ", which I don't dispute, AND, ( XXXX ) - " For exceeding our risk tolerance ". 
As a law abiding citizen with no criminal record, even a traffic violation and outstanding credit rating, no mortgage of any kind, always current on paying 100 % monthly bills, including credit cards and current with IRS filing, it was a great shock to me that how can I possibly be a risk to the bank for them to take such a drastic measure. Intent to know the nature of the risk, I contacted the bank and was told they can not tell me anything more than what is in letters of XXXX XXXX and XXXX XXXX ( copies attached ). Subsequently I filed a dispute with XXXX in XXXX, to no avail. They were told bank will only give their response to client only and do not share with third party. 
On XXXX XXXX I received a telephone call from the bank repeating what was in their letter and again not explaining why I am a risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MacDowell & Associates, Ltd.
State: AL

Complaint narrative:
McDowell and associates said the amount was {$14000.00} on my credit report it shows {$24000.00} and it went up another {$2400.00} today. I was scammed from the beginning buying a new car with XXXX miles on it. The transmission went out on the car and for XXXX refused to fix it when it was still under warranty. Their excuse was it didnt show codes on the computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2024-08-08 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: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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