vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have federal student loans owned by the US Dept of Education and managed by XXXX XXXX. On XX/XX/XXXX, Congress passed the CARES act providing for a temporary forbearance on federally-owned student loans ( the " pandemic pause '' ). As of today, no payments are owed until XX/XX/XXXX -- the date payments resume. 

Although no payments had been owing and due under the CARES Act, I had made some payments on my student loans during the pandemic pause. The CARES Act allowed borrowers to request refunds of any student loan payments during the pandemic pause Pursuant to the CARES act, I requested such refund. Particularly, since President Joe Biden had issued an Executive Order forgiving up to {$10000.00} of federally-owned student loan debt. 

In or around XX/XX/XXXX, XXXX marked me as having been late on 63 payments. However, no payments had been due given the CARES act. My credit score dropped over XXXX points due to falsely reporting of delinquency. Upon discovery, in XX/XX/XXXX, I immediately contacted XXXX and disputed the false reporting of delinquency given the CARES act. XXXX responded that they are marking all such accounts as delinquent as they " wait to see if this thing survives the courts ''. XXXX misunderstands the difference between the CARES Act ( which postponed payments due to the pandemic ) and Joe Biden 's student loan forgiveness program ( which purports to forgive student loan debt ). Even if Joe Biden 's student loan forgiveness were to somehow be struck by the Courts, the CARES Act is an act of Congress that postponed student loan payments. As such, I could not be delinquent on 63 payments that had not been owing and due until XX/XX/XXXX. 

In addition, XXXX 's conduct is contrary to other federal student loan services. My wife 's federal student loans are managed by XXXX XXXX, and XXXX XXXX did not mark her accounts as delinquent ( presumably because XXXX XXXX  understood and complied with the CARES act ). 

I contacted XXXX and requested that the false reporting of delinquency be immediately corrected. XXXX refused. XXXX stated, to the effect, they did not care as they had been ending their contract with the Department of Education as of XX/XX/XXXX. 

Setting aside that no payments were owed, I received no documents from XXXX addressing the alleged delinquency. If I had actually missed payments, I would have expected to recieve a letter regarding the missed payments. I suspect XXXX issued no written correspondence because they know no payments were owing and due, consistent with the CARES Act over the past two years.

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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have federal student loans owned by the US Dept of Education and managed by XXXX XXXX. On XX/XX/XXXX, Congress passed the CARES act providing for a temporary forbearance on federally-owned student loans ( the " pandemic pause '' ). As of today, no payments are owed until XX/XX/XXXX -- the date payments resume. 

Although no payments had been owing and due under the CARES Act, I had made some payments on my student loans during the pandemic pause. The CARES Act allowed borrowers to request refunds of any student loan payments during the pandemic pause Pursuant to the CARES act, I requested such refund. Particularly, since President Joe Biden had issued an Executive Order forgiving up to {$10000.00} of federally-owned student loan debt. 

In or around XX/XX/XXXX, XXXX marked me as having been late on 63 payments. However, no payments had been due given the CARES act. My credit score dropped over XXXX points due to falsely reporting of delinquency. Upon discovery, in XX/XX/XXXX, I immediately contacted XXXX and disputed the false reporting of delinquency given the CARES act. XXXX responded that they are marking all such accounts as delinquent as they " wait to see if this thing survives the courts ''. XXXX misunderstands the difference between the CARES Act ( which postponed payments due to the pandemic ) and Joe Biden 's student loan forgiveness program ( which purports to forgive student loan debt ). Even if Joe Biden 's student loan forgiveness were to somehow be struck by the Courts, the CARES Act is an act of Congress that postponed student loan payments. As such, I could not be delinquent on 63 payments that had not been owing and due until XX/XX/XXXX. 

In addition, XXXX 's conduct is contrary to other federal student loan services. My wife 's federal student loans are managed by XXXX XXXX, and XXXX XXXX did not mark her accounts as delinquent ( presumably because XXXX XXXX understood and complied with the CARES act ). 

I contacted XXXX and requested that the false reporting of delinquency be immediately corrected. XXXX refused. XXXX stated, to the effect, they did not care as they had been ending their contract with the Department of Education as of XX/XX/XXXX. 

Setting aside that no payments were owed, I received no documents from XXXX addressing the alleged delinquency. If I had actually missed payments, I would have expected to recieve a letter regarding the missed payments. I suspect XXXX issued no written correspondence because they know no payments were owing and due, consistent with the CARES Act over the past two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have federal student loans owned by the US Dept of Education and managed by XXXX XXXX. On XX/XX/XXXX, Congress passed the CARES act providing for a temporary forbearance on federally-owned student loans ( the " pandemic pause '' ). As of today, no payments are owed until XX/XX/XXXX -- the date payments resume. 

Although no payments had been owing and due under the CARES Act, I had made some payments on my student loans during the pandemic pause. The CARES Act allowed borrowers to request refunds of any student loan payments during the pandemic pause Pursuant to the CARES act, I requested such refund. Particularly, since President Joe Biden had issued an Executive Order forgiving up to {$10000.00} of federally-owned student loan debt. 

In or around XX/XX/XXXX, XXXX marked me as having been late on 63 payments. However, no payments had been due given the CARES act. My credit score dropped over XXXX points due to falsely reporting of delinquency. Upon discovery, in XX/XX/XXXX, I immediately contacted XXXX and disputed the false reporting of delinquency given the CARES act. XXXX responded that they are marking all such accounts as delinquent as they " wait to see if this thing survives the courts ''. XXXX misunderstands the difference between the CARES Act ( which postponed payments due to the pandemic ) and Joe Biden 's student loan forgiveness program ( which purports to forgive student loan debt ). Even if Joe Biden 's student loan forgiveness were to somehow be struck by the Courts, the CARES Act is an act of Congress that postponed student loan payments. As such, I could not be delinquent on 63 payments that had not been owing and due until XX/XX/XXXX. 

In addition, XXXX 's conduct is contrary to other federal student loan services. My wife 's federal student loans are managed by XXXX XXXX, and XXXX XXXX did not mark her accounts as delinquent ( presumably because XXXX XXXX  understood and complied with the CARES act ). 

I contacted XXXX and requested that the false reporting of delinquency be immediately corrected. XXXX refused. XXXX stated, to the effect, they did not care as they had been ending their contract with the Department of Education as of XX/XX/XXXX. 

Setting aside that no payments were owed, I received no documents from XXXX addressing the alleged delinquency. If I had actually missed payments, I would have expected to recieve a letter regarding the missed payments. I suspect XXXX issued no written correspondence because they know no payments were owing and due, consistent with the CARES Act over the past two years.

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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My loan was sold to XXXX XXXX XXXXr at approx. the end of XXXX. My loan stated I did not make the first payment on XX/XX/XXXX which I did to the previous loan holder XXXX XXXX. Numerous attempts to correct the payment discrepancy went unfix by XXXX XXXX  Only until threating a lawsuit did loan care state they would investigate. My credit was hurt by false reporting of XXXX delinquent payment when I provided proof of payment through my bank statement and XXXX XXXX documents. I have not been able to apply for any loan due to my credit score dropping 100+ points along with my mothers credit score. I was still in the 60 day reprieve window for a loan being sold and protected under RESPA. Loan care violated federal law.

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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My loan was sold to XXXX XXXX XXXX  at approx. the end of XXXX. My loan stated I did not make the first payment on XX/XX/XXXX which I did to the previous loan holder XXXX XXXX. Numerous attempts to correct the payment discrepancy went unfix by XXXX XXXX. Only until threating a lawsuit did loan care state they would investigate. My credit was hurt by false reporting of XXXX delinquent payment when I provided proof of payment through my bank statement and XXXX XXXX documents. I have not been able to apply for any loan due to my credit score dropping 100+ points along with my mothers credit score. I was still in the 60 day reprieve window for a loan being sold and protected under RESPA. Loan care violated federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My loan was sold to XXXX XXXX XXXX at approx. the end of XXXX. My loan stated I did not make the first payment on XX/XX/XXXX which I did to the previous loan holder XXXX XXXX. Numerous attempts to correct the payment discrepancy went unfix by XXXX XXXX Only until threating a lawsuit did loan care state they would investigate. My credit was hurt by false reporting of XXXX delinquent payment when I provided proof of payment through my bank statement and XXXX XXXX documents. I have not been able to apply for any loan due to my credit score dropping 100+ points along with my mothers credit score. I was still in the 60 day reprieve window for a loan being sold and protected under RESPA. Loan care violated federal law.

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 2022-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I filled an insurance claim for two lost/stolen items through my XXXX XXXX Credit card with Amex on or around XX/XX/2022. Claim number is XXXX. I provided all of the appropriate documents and Amex denied the claim for reasons unknown to me. The dates of the purchase and the circumstances were totally in-line with the purchase protection insurance. 

In XX/XX/2022 I filed the same claim again ( XXXX ). And went through the process of providing the same documents and additional written explanation. I received a notice in the mail asking me to call the insurance department as they had questions. I did ; after answering the questions, they submitted the claim and told me I should hear back very soon. After a few more weeks with no update, I called the same number and the person advised that I was required to call in and answer questions. I told them I already did that ; they had no record so we repeated the process. I provided all required documents and answered their questions over the phone. In XX/XX/2022, I received a notice that the claim was closed because I did not provide information that they requested. This made no sense. It seems like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC
State: FL

Complaint narrative:
I just moved to the XXXX XXXX area and was intersted in learning about a matchmaking service and went to an appointment with XXXX Invitations in XXXX. At the appointment I learned about the cost of the services which were excessive, they wanted over {$6000.00} for the service. Since then, I learned that they charge others only {$2000.00} for the same services ( I learned this from a match ). I told the company I could not afford the service they were trying to sell me. I was willing to try the services on a smaller scale. I agreed to a reduced cost for a reduced service plan of XXXX matches instead of XXXX. They charged my credit card {$2500.00}. They agreed to do XXXX matches for this amount. They have only done XXXX match since XXXX XXXX XXXX and are now sending a collection agency to collect on the original amount they wanted to charge me. If they have not been able to find the XXXX matches for the reduced contract, why would I pay for additional services. The communication with them has been horrible and they are deceptive and sell you what they are not able to achieve. 

I sent them a letter requesting a refund on the services and they have been stalling me and trying to set me up on matches but only one has been completed. I do not owe them {$3600.00} as they have not provided services for the {$2500.00} I paid. 

I have agreed to pay the {$2500.00} but need them to continue to provide the services that equal that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: HI

Complaint narrative:
We refinanced about 2 years ago ( with Flagstar Bank ) and were making auto payments ( double payments, one for regular payments and second amount to principle only ) thru our bank. We recently moved and had to make address change and also wanted to make only one regular monthly payment. Thats when we found out that the first payment was going to regular mortgage and second was not going to principle only but advance payment for the next month. I was very upset, who makes extra payments, and it doesn't go to principle only. I'm sure we set it up when we set up our autopay, but they claim we didn't go online to set this up. According to them, there is a portion online for this purpose. We are in our late XXXX 's and not very computer literate. They claim since we found out about this only now, they could not do anything about the last 2 years. Hope you can help us...

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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
on XX/XX/2022 I sent a letter to Experian, XXXX and XXXX credit bureaus asking for a description of the procedures used to determine the accuracy and completeness of and entry on my credit reports for XXXX XXXX XXXX, Account # XXXX. I asked them to provide the name, address and telephone number of each person contacted regarding the alleged account. I also asked for a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the amount claimed. 

This is a clear violation of my rights under the Fair Credit Reporting Act 611 ( 6 ) ( b ) ( iii ).

and they also have 15 days to report to me the results I requested which they have not. I demand that this entry of XXXX XXXX XXXX be immediately removed from my report of all 3 credit bureaus as its is hurting my chances of obtaining credit. 

Failure of the credit bureaus to delete this entry from my reports, will result in me filing a lawsuit demanding {$1000.00} per violation for the following : 1 ) Defamationm 2 ) Negligent enablement of Identity Theft 3 ) Violation of then Fair Credit Reporting Act. 

The Credit bureaus have violated my rights under the FCRA as they did not provide the information that I am obligated to receive upon my request. All they did was again say that the Item was verified that it belongs to me. I did not ask that in my letter.

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 2022-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
The XXXX XXXX XXXX XXXX was hired by the Cavalry SPV I , LLC to file a lawsuit against me for debt owed on a credit card to XXXX XXXX XXXXXXXX which I never applied for or used. A court judgment was levied unbeknownst to me on XX/XX/2013 for a total balance of {$17000.00}. I was never served or notified about this balance due and it has never showed on my credit report. The XXXX XXXX XXXX  has submitted documentation to my current employer attempting to garnish up to 25 % of my wages to pay off the balance, which needs to be stopped immediately as this debt & credit card never belonged to me and I believe I have been a victim of Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
In XXXX I had XXXX XXXX so could not take advantage of the covid forbearance, so I consolidated into federal direct loans, so that i could at least continue to pay thru the forbearance to reduce my balance. In XXXX, when the president announced the temporary waiver, this program spoke directly to my issue. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX to XXXX. According to the temporary waiver, these payments would count, whereas before they did not. I submitted my signed employment verification along with any other documents need to Fed student aid on XX/XX/XXXX. My info was processed and passed to XXXX, and it was confirmed that i did qualify. By XXXX my payment counts were at XXXX This is where they still are. There has been no movement on my account since it has been taken over by XXXX. My counts don't go beyond XXXX and I just need someone to explain why. It feels like my account has been abandoned. I have tried contacting XXXX and they tell me that i need to just be patient and the counts will be updated. I uploaded a document to Fed. Student Aid that i was hoping to get a response on. I reviewed by past payments and i noticed that the counts stopped at the same time that Fed. Student Aid lists my account as being in forbearance ; my account was not in forbearance, but my servicer changed from Sallie Mae to Navient. I sent this information to Fed Student Aid along with upload of my payment history on XX/XX/XXXX. I got a notice saying i would get a response within 2 weeks. I'm still waiting. It has been over a year since i started this process, and while i understand that there is an enormous amount of interest in this program, i don't think that it is at all reasonable to have to wait over a year and not get any clarification from anyone. I was also sent a letter From XXXX, asking if i wanted the money that i paid through the pandemic pause refunded. I sent them notice indicating that I would ; crickets. I have heard nothing from anybody about anything, except XXXX telling me that I may be eligibel for pslf (! ). It's like they don't know that I exist. What do i need to do to at least get a reasonable response from someone with some knowledge of what's going on.

Company response to consumer: Closed with explanation