vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
I applied for the temporary loan forgiveness program back in XX/XX/XXXX. My loan servicer is Fed Loan Servicing. They have denied my application numerous times. They have only counted my payments back to XXXX accounting for XXXX payments of the XXXX needed. I have been in repayment since XXXX and have all of my employment verified. They are blaming the XXXX dept but I don't believe that. I am seeing other people in repayment as long as me being forgiven every day. I have never defaulted on my loans and feel I am being overlooked for some reason. I have tried to call so many times only to wait for XXXX hours and have to hang up to get back to work. I've spoken to 2 people who were no help. They would just transfer me only to wait longer. I've emailed several times and they keep saying there is nothing I need to do. I just have to wait. I'm worried I will be cut out of the program when it ends because of my servicer. I've filed a complaint with the XXXX dept as well. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I have suffered a financial hardship due to the COVID-19 emergency ; ( the servicer can't require any additional documentation beyond your attestation. ) COVID-19 Recovery Modification I can't afford the monthly payment amount and needs a loan modification, the servicer must evaluate the borrower for a COVID-19 Recovery Modification. This kind of modification aims to reduce the principal and interest portion of the monthly mortgage payment by at least 25 %. The COVID-19 Recovery Modification is a 360-month modification, and includes a partial claim, also FHA INFO # XXXX XX/XX/2021 In this announcement : FHA Provides Additional COVID-19 Forbearance Extension and COVID-19 Home Equity Conversion Mortgage Extensions Proposed 40-Year Loan Modification Policy for COVID-19 Recovery Options Posts on Single Family Housing Drafting Table for Feedback See below for details.

FHA Provides Additional COVID-19 Forbearance and COVID-19 Home Equity Conversion Mortgage Extensions Today, the Federal Housing Administration ( FHA ) published Mortgagee Letter ( ML ) XXXX XXXX, Extension for COVID-19 Forbearance and COVID-19 Home Equity Conversion Mortgage ( HECM ) Extensions.

This ML provides : Up to six months of COVID-19 Forbearance for borrowers requesting their initial COVID-19 Forbearance on XX/XX/2021, through the end of the COVID-19 National Emergency, and an additional six months if the forbearance is exhausted or expires before the end of the COVID-19 National Emergency. 
This new option is meant to assist those borrowers who may be newly affected financially by the COVID-19 pandemic and may need relief through the end of the National Emergency.

An additional six months of forbearance for borrowers who requested their initial COVID-19 Forbearance between XX/XX/2021, and XX/XX/2021. 
This ML also provides the opportunity for additional periods of COVID-19 HECM Extension for HECMs when the initial request is made on XX/XX/2021, through the end of the COVID-19 National Emergency, and when the initial COVID-19 HECM Extension request was made between XX/XX/2021, and XX/XX/2021. 

Due to the continuing impacts of the COVID-19 pandemic, particularly the Delta variant XXXX FHA recognizes the need to provide these extension opportunities for the COVID-19 Forbearance and HECM Extension to help those still impacted by the pandemic and who only recently requested assistance or who may need assistance through the end of the COVID-19 National Emergency.

The policies regarding COVID-19 Forbearance and COVID-19 HECM Extensions announced today are effective immediately. Mortgagees and other interested stakeholders are encouraged to thoroughly review XXXX XXXX. 
More information can also be found in the Single Family Housing Policy Handbook XXXX, Section III.A.2.o.i Forbearance for Borrowers Affected by the COVID-19 National Emergency and in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
Hello, I am writing today because on XX/XX/XXXX, I received a derogatory mark on my credit report from Convergent Outsourcing. In over 10+ years of having credit, I have not ever had such a mark placed on my account as I work very hard to pay all of my bills on time as I know how important my credit is. After investigation of this company, I believe this may be linked to a previous account that I had with XXXX, which was cancelled and fully paid for after their most recent data breach in XXXX. However, I dont know for sure if this is as a result of the cancellation and what this is for as I was never contacted at all about this. I am making this assumption as I found hundreds of horror stories online associated with this company and their scam collection attempts of previous XXXX customers. I never was allowed the 30 days to contest this debt and ask for proof of who and why this charge was issued against me, because I was never notified of this debt by either Convergent nor XXXX. This is illegal and predatory. My credit is now severely damaged as a result of this. I will be sending a verification letter request, disputing with the credit agencies, and getting a lawyer if needed. I work so very hard and i will not sit idly by while my financial future ruined. Please assist me with getting this resolved. This is, by law, criminal and this particular agency appears to be known for scamming people. I can not address a supposed debt that I didnt know existed in the first place. And I would have addressed this for sure. My record of always making my payments and on time speaks for itself. I do not play around when it comes to my credit score. This is my future at risk.

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 2022-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Credit card account with Capital One Bank USA N was paid in full and creditor did not delete late payment history as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Have been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 3 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 non-monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've made several attempts to dispute these four accounts and the inaccurate information that's being placed on my credit report by Equifax, and all have failed. The accounts with XXXX, and the one account with GA XXXX are reporting 120 days late, but these accounts are closed paid accounts with a zero balance. I don't understand how i can be 120 days late on closed accounts with zero balances. And to further validate my point, the " Last Reported Date '' on these accounts haven't been updated in years. The Last Reported Date should reflect my most recent dispute date, and since it doesn't, this tells me that no investigation into my complaints were ever done. 
The accounts XXXX and XXXX are two collection accounts that are reporting 120 days late as well. But how can i be late on a collection account when by default it is late. A collection account can not report an account as being late. There is no payment history with a collection account. Therefore, all these accounts are reporting falsely, and i want them permanently deleted from my credit report. I'm attaching past dispute letters as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello, Today I am requesting the account in question be removed completely from my credit report. It's a very old account, almost 8 years in age. I would greatly appreciate if you could permanently remove it. Thank you. 

Im sorry for being specific, but i dont want the account hidden and still reporting, sharing and providing information to individuals that don't have my consent. Thank you in advance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I Have been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 3 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 non-monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: OR

Complaint narrative:
Checkr has run a background check for XXXX and is Disclosing negative information on my background report that is more than 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX & XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2022-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My name is XXXX XXXX and a resident of the State of Virginia. 
On XXXX XX/XX/2022, my bank, Navy Federal Credit Union, headquartered in XXXX XXXXVA , allowed fraudsters to siphoned over of {$20000.00} in my Checking and Saving Accounts. 

This criminal activity is the 3RD TIME WITHIN A YEAR THAT HAD HAPPENED BUT THE BANK HAS DONE NOTHING TO PROCTECT MY INTEREST/MONIES AFTER PERSONALLY WRITING A DETAILED/LENGHTY LETTER TO THE CEO OF THE BANK, XXXX XXXX. 

As I write this complaint, the bank has not refunded my stolen money - over {$20000.00} - into my accounts. I please need the help of the CFPB to help me retrieve my money and also look into this as I believe is an internal criminal activity within the bank. 

My account was not put on any HEIGHTENED ALERT after all these series of break-ins.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/2020, I apply for a mortgage, while in processing, I was told to call all three credit bureaus, to have them removed the dispute, while going through underwriting. I notified immediately, and was given confirmation numbers, but my lenders states it still showing. This process have been about a month, and the are refusing to remove the dispute, even after they stated that it would only take ( 72 ). But has not been done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
wanted to buy a home listed by a realtor, XXXX XXXX listed in XXXX with the greater XXXX  Board of realtors, ( attached ) for XXXX $ and it was advertised that " Seller is willing to do a wrap in this beautiful home... .home is a minor fixer-upper, windows need some scrubbing because of sprinkler water, -- a handy- man special. '' I wanted to buy the home and then help my daughter buy the home from me, as she was a single mom self employed with 4 kids and one with a XXXX and they needed a home. We were told at the title company that my daughter can buy the home directly from the XXXX 's sellers. 
Both sellers and I and my daughter, purchasers, went to a title company the sellers had work previously in a transaction we were told " did not go through '' because the buyers did not qualify.My daughter lives at XXXX XXXX XXXX XXXX XXXX NMXXXX  Nationstar attorneys XXXX and XXXX are still trying to foreclose us in a case fromXXXX! and not settle even in light of the new federal legislation to workout with homeowners. We have lived and payed the house since XXXX. Bought it for XXXX " a handyman special ) and appraised at XXXX with XXXX title insurance. At filing of the lis pendens, in XXXX the house was valued at XXXX for a XXXX 3 bedroom 2 bath house 25 years old, there was a foreclosure sold ( superior property, 4 bedrooms ) down the street for XXXX in XXXX. The owners, XXXX XXXX and XXXX XXXX XXXX have put over XXXX in repairs and plumbing and roof repairs are underway. 
Nationstar bank and " assignees '' ( XXXX ) Bank is attempting to foreclose on a default judgment they could not recuperate anymore from mortgagors on a loan that is not on record prior the land contract The bank is not even waiting for the judge 's decision on the judicial foreclosure ( we paid almost 50 % of the home cash ) but already sent the home to a company called XXXX ( " assignees? " to work with realtors selling it from under us ) We went to a workout that the bank walked off from after us fulfilling all the requirements for a workout, including a condition that was met with delay from the mortgagors ( quit claim deed in my daughter 's name ) which was beyond our control XXXX did not do good on the settlement despite us going to the settlement ( we were offered prior, the house or the money, we told our attorneys, the house ) XXXX has deposited cash in a trust account which has been deposited in court ( around XXXX as far as we know ) I include a couple of checks but the trust company has to do a 3 way reconciliation and provide the authorities the audit results and some money has been retained by. the suing bank, nationstar. WE paid taxes and home insurance. We are told the land contract has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX & both Equifax has my wrong birth date. Equifax has XX/XX/XXXX when my real birthdate is XX/XX/XXXX. I have certified mail both equifax & XXXX on XX/XX/XXXX a copy of my id, social. I have asked them both multiple times to update my birthdate. XXXX just have my birthdate at XXXX when thats not a full birth date it should be XX/XX/XXXX in the right birth date format. I have disputing these things over the phone, online through their dispute system & also mail. And my information is still wrong & not updated to the right birth date please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian & both XXXX has my wrong birth date. XXXX has XX/XX/XXXX when my real birthdate is XX/XX/XXXX. I have certified mail both XXXX & experian on XX/XX/XXXX a copy of my id, social. I have asked them both multiple times to update my birthdate. Experian just have my birthdate at XXXX when thats not a full birth date it should be XX/XX/XXXX in the right birth date format. I have disputing these things over the phone, online through their dispute system & also mail. And my information is still wrong & not updated to the right birth date please help me.

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 2022-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Two payments of {$1300.00} were made. One on XX/XX/2021 and the other on XX/XX/2021. 

A refund check was sent to me for {$1400.00} for the overpayment. Now, Synchrony Bank is saying one of the payments for {$1300.00} wasn't paid. Even though their records indicate it was.

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 2022-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
This company is trying to collect a debt from me that has false information on and I never signed a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Plaintiffs, XXXX XXXX XXXX, files the following action against Respondent ( s ) Equifax Consumer Services, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. XXXX XXXX 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ). All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XX/XX/XXXX ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. WHERFORE, plaintiff requests that the Consumer Financial Protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit.

Company response to consumer: Closed with explanation