vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Good Afternoon to whom this may concern I still have questions regarding my account. I was unaware of the status of my account until it showed up on my credit report as of the end of XXXX. I have spoken with several representatives and sent emails regarding these issues. I was told that XXXX does not report good standing to the credit agency and that my status would be that way for the next 10 years. That is why I disputed with the agencies. I guess I was misses informed by my lawyer because I was told that this account was included in my bankruptcy and that they could be discharged because federal loans can be included in a person 's bankruptcy if the Judge agrees. I also was informed that XXXX is not a federal agency so that's why my loans became due, but then I'm told that these are federal loans. If these are federal backed loans or federal loans, repayment did not go into effect for federal loans until XXXX so why was I hit with late payments? It also comes at a time when I'm trying to secure housing for myself and children, and everyone knows they use your credit score. ; due to these repeated past due charges I can not find housing. This is very devastating to myself and my family. I'm XXXX yrs old and to have to go live with a parent in a XXXX apartment with XXXX kids is totally embarrassing. In the past I have never been late with any of my student loans, and I feel this is very unjust. XXXX has not reported anything to the credit agency regarding these student loans for years, then all of a sudden late and dropped my credit score XXXX points crushing my dreams and belief in the federal systems. Last question : How is it that if this is not a federal loan XXXX can use the federal IDR for these loans. This all is not fair, and it is ruining my life. I've been told that XXXX could remove the late payment status with a Goodwill letter. Is this possible in my case I have completed all forms needed for IDR and also looking to consolidate these loans, so this confusion doesn't happen again. XXXX does not tell the truth XXXX rep says these are not federal loans the next rep says these are federal so why doesn't the federal law apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: OH

Complaint narrative:
Good Afternoon to whom this may concern I still have questions regarding my account. I was unaware of the status of my account until it showed up on my credit report as of the end of XXXX. I have spoken with several representatives and sent emails regarding these issues. I was told that XXXX does not report good standing to the credit agency and that my status would be that way for the next 10 years. That is why I disputed with the agencies. I guess I was misses informed by my lawyer because I was told that this account was included in my bankruptcy and that they could be discharged because federal loans can be included in a person 's bankruptcy if the Judge agrees. I also was informed that XXXX is not a federal agency so that's why my loans became due, but then I'm told that these are federal loans. If these are federal backed loans or federal loans, repayment did not go into effect for federal loans until XXXX so why was I hit with late payments? It also comes at a time when I'm trying to secure housing for myself and children, and everyone knows they use your credit score. ; due to these repeated past due charges I can not find housing. This is very devastating to myself and my family. I'm XXXX yrs old and to have to go live with a parent in a XXXX apartment with XXXX kids is totally embarrassing. In the past I have never been late with any of my student loans, and I feel this is very unjust. XXXX has not reported anything to the credit agency regarding these student loans for years, then all of a sudden late and dropped my credit score XXXX points crushing my dreams and belief in the federal systems. Last question : How is it that if this is not a federal loan XXXX can use the federal IDR for these loans. This all is not fair, and it is ruining my life. I've been told that XXXX could remove the late payment status with a Goodwill letter. Is this possible in my case I have completed all forms needed for IDR and also looking to consolidate these loans, so this confusion doesn't happen again. XXXX does not tell the truth 1 rep says these are not federal loans the next rep says these are federal so why doesn't the federal law apply.

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 2023-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2023 we deposited a check from our insurance company for a recent claim we made on our roof for the amount of {$10000.00}. The check was issued to us and our mortgage company, We deposited the check not knowing that the mortgage company needed to endorse the check. The bank took the check, did not tell us that the check was not properly endorsed, and a hold was placed on the check for 24 hours. The following day, my husband received an email that the hold on the check was released and the funds were deposited in our account. Upon review, the funds were in the account but a hold was on the entire account for the amount of the check ( XXXX ). My husband then went to the bank and was informed that the hold was there because the check wasn't endorsed correctly. We were told to send a Check Endorsement Release form to the mortgage company. after faxing that over to them, we have not had any progress. It is almost 2 months into the matter and the bank and mortgage company are going back and forth and we have no answers. This could have all been avoided if the employees of the bank at the branch, and the ones that review the checks were trained properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: NY

Complaint narrative:
I opened this account with XXXX XXXX around XX/XX/XXXX and I had a XXXX XXXX {$3200.00}. In XXXX I purchased a XXXX XXXX for {$240.00} and XXXX setup AutoPay, In XXXX, XXXX my balance was XXXX " XXXX '' thru XX/XX/XXXX when I purchase a New Phone for {$630.00} after Rebates and deductions and had AutoPay still turned XXXX while checking my Credit scores, I noticed a significant drop in my XXXX score on Experian.com. I examined where the cause of the score drop was and it indicated it was from XXXX XXXX. I immediately called XXXX XXXX and spoke with someone in account services and they transferred me to their credit services division. I explained that my XXXX was still on and active when I signed into my online account and my payments weren't debited for XXXX ( XXXX ) months like they were in the past. The person told me that once my Account reaches zero " XXXX '' balance, I have to go back online and turn-off and turn-on XXXX again for it to be reset. I told her none of my other credit cards doesn't operates that way, but she insist that what I should have done. She said there's nothing she could do. I filed a sispute with Experian and nothing came of my case.I have all my credit cards on Autopay and I don't believe my XXXX score shold lowered because XXXX XXXX website was not functioning as it should.

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 2023-10-31 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: Block, Inc.
State: CA

Complaint narrative:
I signed up for Square merchant processing and linked my bank info and completed my setup. After I charged my customer for service, the merchant processing Square, closed my account and stated they they are going to keep my funds {$300.00} of my earned money for 90 days without any reason. I tried to call them to get my money and they refuse to give it back. Please help this company is ripping people off and holding their earnings after they signed up with them and attempted to process payments. Square, without good reason closed my account and held my funds telling me that they will release it in 90 days. I would not use Square XXXX XXXX again. They are scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NE

Complaint narrative:
My student loan servicer is Aidvantage. 

I have submitted multiple rounds of paperwork to switch my payment plan to the XXXX plan, which I qualify for. I submitted my most recent tax return, as well. It has been months since I sent the submissions, and they still have not updated my payment plan to the XXXX plan. All the while, my loans are showing as past due while collecting interest. 

Now I am trying to contact them via phone, and they are clearly intentionally blockading all incoming calls from borrowers under the guise of being overburdened. I have tried calling them numerous times during their hours of availability, and every time I am met with a robotic voice that tells me they are too busy to take calls. There is not even an option to wait for a representative. It just skips to the robot voice giving me irrelevant options, which are the only options. 

I simply can not make meaningful contact with this company. What am I supposed to do, file a lawsuit? Why hasn't the government taken care of this? Is it intentional? Is there a certain branch of the government that is trying to intentionally blockade borrowers from switching their student loans to the XXXX plan? What else could it be? Isn't the company vetted by the government to be a quality service provider?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDITS I SAW NEGATIVE ACCOUNTS ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: MS

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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 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 non-monetary relief
Consumer complaint received 2023-10-31 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: MI

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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 2023-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Explanation of complaint : Prior to the trial held in XX/XX/, the XXXX XXXX permanently modified the home loan with Chase bank. She falsely certified in section Dof page 1 of the loan agreement that there was n on going litigation concerning the home. I XXXX XXXX claim that this certification was untrue, as they were amidst divorce litigation and a pending trial at that time. Furthermore, the XXXX XXXX omitted disclosing the pending litigation related to the home. The court had not authorized this loan modification. 

I believe it is imperative to investigate the motivation behind the XXXX XXXX decision not to disclose the loan modification during the trial. This omission is especially puzzling given the legal requirement for full disclosure and transparency in court. 
Potential Federal and State Law Violations : XXXX Federal Law : The Respondent 's actions may potentially violate federal statutes, such as 18 U.S. Code 1014, which makes it a crime to knowingly make false statements or reports for the purpose of influencing the actions of a financial institution. 
I contend that the XXXX XXXX XXXX false certification in the loan agreement to Chase bank and her failure to disclose the ongoing litigation may constitute potential violations of both federal and state laws. 
XXXX XXXX v. XXXX XXXX XXXX XXXX : XXXX 3. Washington State Law : Under Washington State statutes, the Respondent 's conduct may be in violation of laws such as RCW 9A.60.070 ( False Statement to Obtain Credit ) and RCW 9A.60.075 ( False Verification of Financial Statements ), which pertain to knowingly making false statements to obtain credit or providing false information in financial statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I was trying to access my account online but it kept giving me error message, so I call bank of America to let them know what's going on after I with XXXX employees and verified by all of them I'm pretty irritated, I ask XXXX was the name, is it necessary to go through all of this, all I wanted to do was get into my account online. 
She continues to ask questions and says I can't verify you, I asked why, she answers for security reasons I'm not able to tell you. I said let me speak to her supervisor and when the supervisor gets on the phone she tells me that my account has been blocked because she was not able to verify me and in order to get it unlocked I have to go into the bank to get verified. I asked her if she couldn't block it since she verified me too she said no she wasn't able to do that I told her that's a lie she says I am not lying so she's straight lied to me. Why do they have the ability to block accounts and when they get mad it's revenge for them to do that, they're not doing it for security reasons because if they were doing it for security reasons and I would have gotten phone calls letting me know that somebody's trying to get into my account but that is not what happens not at Bank of America

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 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
My mom ( XXXX XXXX, last living parent ) passed away and left everything to me and my brother. I was paying the mortgage while we were waiting for the time to pass with the MD courts. Since time was almost up and I could see that mortgage rates were really high, I asked Rocket Mortgage about what happens when this situation comes up ( because my mom 's mortgage rate was really low and affordable ) and her loan was with them. I called to get things started because the article they sent me made it seem like I could do exactly what I wanted to do ... keep everything the same and just switch it to my name since I already knew I could pay for it ( and I WAS paying it the whole time after my mom passed ). Well, they told me that I couldn't do that because my mom 's loan wasn't assumable so I had to go through an entire purchase process which includes all of the fees ( closing, appraisal, application, etc ). Plus, I lost equity money in order to make the new payment ( with the way higher interest rate ) affordable. I was an emotional wreck and rushed to sign paperwork because I had to " lock in '' the interest rate since the rates were climbing every day. Well, now that things have calmed down a little bit with my situation, I found out something while continuing with all of my mom 's estate paperwork and processes. It turns out, I was right and it's FEDERAL LAW that mortgages are assumable in this situation. I reached out to Rocket Mortgage and all I get is the run around. I ( and my brother ) have been frauded out of money and I will NOT let this go. I never should have had to go through a purchase process, I never should have had to pay all those extra fees, I should have been able to just keep my mom 's loan ( and interest rate ) and kept paying exactly like I was doing. But instead, Rocket Mortgage decided to make a bigger profit and fraud me rather than helping me do what I was asking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: MA

Complaint narrative:
Dear CFPB, I hope this letter finds you well. I am writing to file a formal complaint against Cash App XXXX regarding the unjust closure of my Cash App account. I recently created this account with the intention of receiving payments from family and friends. However, upon entering my personal information to verify my identity, my account was abruptly and inexplicably closed, citing a violation of the Terms of Service. 

I would like to stress that this was my first experience using the Cash App service, and I have never had any prior accounts with them. Given this, I am firm in my belief that my account closure was made in error, without proper cause, and without allowing me a fair opportunity to rectify any issues that may have arisen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: OH

Complaint narrative:
I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway XXXX XXXX XXXX  XXXX -RESIDENT VERIFY XXXX I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act XXXX ( a ) [ XXXX XXXX XXXX ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation