vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-23 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: ND

Complaint narrative:
I paid XXXX XXXX XXXX to manage my loans {$600.00} and then {$29.00} thereafter. They sent my loans to XXXX XXXX where I made payments. I was told student assist would manage everything but when it came time to recertify I had to go through XXXX anyway. I cancelled with XXXX XXXX and my loans disappeared from XXXX. I was told they went back to the original vender. They fell off my credit report completely and were no where to be found. XXXX XXXX told me to call XXXX  XXXX and vice versa. A year later my loans pop back up with XXXX with added interest of {$5000.00}. I've been going back and forth with XXXX and XXXX XXXX since XX/XX/XXXX with no reconciliation of the issue. They will not remove the additional interest and can not tell me why the loans disappeared at {$44000.00} and returned at {$48000.00}. I've been out of school since XX/XX/XXXX had the loans since XX/XX/XXXX and all the money I've paid does not lower them in anyway. I'm included conversations back and forth between the loan companies. XXXX XXXX basically told me I should be happy they disappeared and would not help me in any way. Now XX/XX/XXXX and I'm still dealing with excessive loan debt that is not completely accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This matter pertains to the Equifax credit reporting agency. The problem is this - my credit file has been entirely deleted. It is not accessible by myself or other creditors, and it's been this way for the last 6 weeks or so. When I first discovered that pertinent information was missing from my file, I called Equifax to report it. Shortly after I called, my credit file was completed deleted - there was no information on it. I have repeatedly called Equifax about this problem and they continue to do nothing. I even called the corporate office and they told me that nothing could be done. Two days ago, I applied for a mortgage with a credit union and they've informed me that nothing came back from Equifax, that the file was blank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hi. I already submitted my complaint and in response the company appealed to false statement and lied about the whole issue. I have tried to reply to your office through the way was provided in your email, however up until this date I have received no response. This is continuation of my complaint ID # XXXX and wanted to make sure that you have all the facts in order to achieve proper results. People complaint to your office in order to bring issues that are effecting everybody and closing a complaint just because the respondent sent an answer is not appropriate at all. the following is my email to your office after the entity responded inaccurately to my complaint : Dear Madam or Sir : Thank you very much for your assistance in this matter. After reviewing the response of XXXX XXXX, I must say that this company has lied about every single thing that they claimed in their response. First of all the following are article numbers of certified mail that I sent to the company and clearly indicated what needs to be done : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX. As you can see I have documented my communications with them. I am flabbergasted to see that they lie to even Federal Government. Just imagine what are the consumers going through. As I mentioned in California they must comply with Fair Debt Buying Practices Act and in this case they completely failed. You can ask them why they are lying about their claim if it is legitimate and based upon the law. This company has dark record and they have been sued many times. If you need further info please let me know that I can provide them to you ASAP. This company claims that they only received disputes from Credit Bureaus, well, there you go, I have provided proof that it is a total Lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I cancelled my account with XXXX XXXX in the spring of 2017 over the phone, I did not record the call. I have not received any correspondence from them since until this week, when a new bill arrived with XXXX in new charges. 

I called and was told this was a renewal fee, and they refused to remove the charge from my account. I have told them I refuse to pay, and they have refused to remove the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Hunting Bank Paid from my escrow account a non bill insurance Declaration Page statement. putting my escrow in to a seriously negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
I recently filed a complaint with CFPB regarding the way my PSLF payments were being calculated. XXXX  XXXX XXXX responded to my request for a detailed request of PSLF-qualifying payments by significantly omitting and altering information. In fact, the information they provided conflicts with the information they provided in XX/XX/XXXX when I similarly requested an explanation of why my student loans were not be calculated. 

Specifics : From XX/XX/XXXX - XX/XX/XXXX : I made 4 PSLF qualifying payments on my federal student loans. This was attested to by XXXX  XXXX XXXX in the attached document ( PSLF Statement XX/XX/XXXX ) in the highlighted fields, including a payment of XXXX. 


{$320.00} ( XX/XX/XXXX ) {$320.00} ( XX/XX/XXXX ) {$320.00} ( XX/XX/XXXX ) {$1300.00} ( XX/XX/XXXX ) I was NOT under a student deferment at that time. 

In the most recent response received regarding PSLF qualifying payments from XXXX XXXX XXXX ( PSLF Statement XX/XX/XXXX ), they stated I was under student deferments for the first three payments, which is false. Additionally, they COMPLETELY OMITTED the payment I made of XXXX, which is a COMPLETE Falsification! I have proof of this payment. 

XX/XX/XXXX XXXX XXXX has repeatedly changed their records of my payments to them throughout my time dealing with them as a lender. I just want the payments I made under the PSLF program to be counted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KBHS Home Loans, LLC
State: AZ

Complaint narrative:
I am reporting XXXX XXXX XXXX XXXX XXXX, Mortgage Loan Originator for false and deceptive practices and for harassment. XXXX has emailed and called me multiple times stating that he needs documents from me to complete a mortgage loan application of which I never applied to or agreed. XXXX and/or his team members emailed and left voicemails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting financial documents. I notified XXXX via email on XX/XX/XXXX to stop contacting me because I am getting a loan with XXXX XXXX XXXX He and his team continues to contact me requesting documents in order for my loan to be approved after my written request. I am getting harassed by XXXX. He is not respecting my request to stop contacting me to complete a loan mortgage application.

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 2018-02-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I've been communicating with Experian for months about items they have listed on my credit report. I've reached out to the original creditors and none of them have any documents linking these accounts to me. So when I asked Experian to provide me with some sort of method to show me how they are verifying that these accounts are mine, when the original creditors don't have this information, and they refuse and dodge the issue for months. 

They did the exact same thing in response to my most recent complaint - other credit reporting agencies removed these false accounts because, when I asked them to produce documents or provide methods used to show that this information is mine, they couldn't because there isn't any. 

I've gone to the original creditors to provide information linking these accounts to me, and they don't produce it so they don't have it. 

So my question - and my issue is - how does Experian justify having this information on my credit report? I don't give a XXXX how differently you interpret the FCRA, what is clear is that I have the right to ask you for any documents or proof bearing my signature linking me to these accounts. And in the absence of this proof, you are supposed to remove this information from my reports. 

That is the issue. Not repeated requests - one request : show my your paperwork. 

Not about what other CRAs have done, they followed the law. 

It's not that I didn't go to the Original Creditors - I did that and that's why I know there's no documentation linking me to these accounts. 

So, either provide me with documents stating that the accounts you're reporting are my accounts, or remove them from my 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
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Global Recovery Solutions
State: AZ

Complaint narrative:
My family members and myself received threatening calls and voicemails saying they were taking me to court in XXXX XXXX ( which is in Arizona and they called from an Ohio number ) and filed an order for location. They gave me a fake case number which didnt pull up anything with the county public records. I called the number they left and they didnt offer any disclaimer or gave me my rights. They just said legal when they answered the phone. I asked if this was a debt collection agency and they said no so then I asked the attorney they work for and the lady started to talk about personal information without verifying who I was. They werent telling me who they were. I told her I wasnt going to discuss personal information nor would I verify my personal information if I didnt have all the company information because i felt like this was a scam. I asked her to not contact me or my family members again and she said see you in court, XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Premier Portfolio Group
State: UT

Complaint narrative:
On XX/XX/XXXX I submitted a complaint with the CFPB against PREMIER PORTFOLIO GROUP ( complaint number XXXX ) and the company responded on XX/XX/XXXX indicating " Our company will close this account, and cease and desist all further communication with the consumer. '' I received a call yesterday XX/XX/XXXX claiming, once again, that " a bad check was placed with their office attached to my name and account number '' telling me to call XXXX which corresponds to PREMIER PORTFOLIO GROUP. Clearly they did not cease and desist communication OR close my account and i'm being hassled by them again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hi, I've made a wire deposit from XXXX XXXX XXXX to Coinbase ( XXXX XXXX XXXX   ) on XX/XX/XXXX amount of {$25000.00}. However, the amount is still not showing up on my Coinbase account. I've called the XXXX XXXX XXXX  customer service and they told me that $ XXXX has been deposited to Coinbase on XX/XX/XXXX. I've contacted Coinbase several times in many ways but have not heard anything from them yet. 
For me, this is a large amount of money and I am very concerned about this issue. Could please please help me on this issue? I really want to know what is going on with my money? Below are the details of my transaction. Please let me know if you need anything else. 

Thanks for your help in advance! 

- Amount : {$25000.00} - Date sent : XX/XX/XXXX - Name of sending bank : XXXX XXXX XXXX - Personal name : XXXX XXXX - Email on Coinbase account : XXXX - Reference # : XXXX XXXX XXXX numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had chase for the entire time I was in the Military, I got XXXX XXXX from XXXX on XX/XX/XXXX After that I started having a lot of issues with my bank CHASE, I was charged fees with no explanation. My card was even cloned once and I had to file a dispute for the transaction. To make the story short. Months after that. Around XX/XX/XXXX. I tried making a purchase, and all of my 3 accounts that I had with chase where CLOSED! They gave me no explanation they only said that, they no longer wanted to keep business relations with me. At that point my VA pension was link to that card, I ended up losing so much and almost getting evicted because those accounts were frozen so the VA couldnt change my direct deposit because it was already After the cut off mid month. Truly lives a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I had my home insured thru mortgage co ( XXXX XXXX XXXX ). Coverage effective from XX/XX/XXXX thru XX/XX/XXXX. Name of insurance co. was XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX insured home with XXXX XXXX XXXX. called XXXX XXXX XXXXXXXX XXXX on same day and cancelled their policy. Well I worked at XXXX XXXX. for 20 years so I knew I was due a refund..I went back and forth with Green tree in reference to my refund and they told me that they do not give refunds..I filed a complaint with NC Insurance Comm. on XX/XX/XXXX and XXXX XXXX was assigned complaint. XXXX XXXX contacted Green Tree and XX/XX/XXXX received my refund of XXXX..Well Green Tree added XXXX to my regular mortgage payment and I have been going back and forth with them trying to get them to remove XXXX because they are saying my mortgage is past due since XX/XX/XXXX, and this is not so. I was going to file another complaint with NC Insurance Comm. but they said I need to file the complaint with your office. I really hope you can help resolve this issue, because it has been stressing me out since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: OH

Complaint narrative:
In XXXX of 2017 a collection showed on my credit report from XXXX XXXX XXXX via XXXX XXXX. This is not my account. It was confirmed that this was not my account, but my son 's XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX. I filed a dispute on XXXX XXXX at that time. This information is still reflected on my credit report. My wife and I applied for a Home Equity Line of Credit to pay down our debt and were denied due to this collection causing my score to be XXXX, not above the XXXX that is required. My son, my wife and myself have spoken with the collection agency and the company who originated the file. They state they did not report this on my social security information and that the credit reporting agency must be pulling the data incorrectly. The credit reporting agency does not have my dispute on file, from XXXX of 2017. They have asked that I submit another dispute because it is only the collection agency that can remove the negative report. I don't believe I should be required to file another dispute, which will take longer to resolve. Time is of the essence and I am respectfully requesting this be removed from my record immediately. This is going to impact my credit score even further due to needing to have another inquiry to obtain credit after this denial. XXXX XXXX, the collection agency has sent me a letter showing that this is being requested to be removed from my son 's record. They state it was not filed on mine, but clearly it is. Please remove this from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have defaulted on my XXXX XXXX ( XXXX XXXX ) credit card. These folks call incessantly everyday. They have called several family members numerous times, even after I asked them to stop. The most recent incident was today. My sister called me and she was frantic. She stated that XXXX had called her and left a voicemail stating that they had an urgent financial issue to discuss with me and that they better hear back from me by XXXX today or they would be forced to escalate my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: NY

Complaint narrative:
On XX/XX/18 i used XXXX XXXX XXXX to send an emergency money transfer from NY to GA to a family member when the recipient went to get the transfer @ the Ria Authorized Agent no body spoke english @ said location & recipient was unable to collect the transfer @ which time i called Ria to cancel said transaction and have gotten the run around ever since then making numerous calls to Ria to resolve and no resolution to this point. The amount sent was {$490.00} plus a transfer fee of {$9.00} making it {$500.00} total

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection account for a debt I do not owe. Never contacted me. 

Out of the blue I go an alert on my credit that I had a new collections account. I have gone through several car purchases, a new mortgage, and a refi over the past 7 years and this account never popped up. I have a clean credit report. Well, I DID until this company decided to come at me. The day I got the alert on my credit, I called them. They say it's from the City of XXXX from late XXXX, early XXXX. They say they had an old address on file and I never received any notices nor phone calls regarding this account until they just decided to report it. 

I asked them for details on it and they said I'd need to contact the City of XXXX to get details. I did, they also say it's for utilities from XX/XX/XXXX, at the address they were sending the notices to ... Thing is, I didn't live at that address in XX/XX/XXXX and the City of XXXX also did not to try and contact me either. Both Contract Callers and the City of XXXX have been completely rude to me. 

Contract callers say they did not get the debt notice in their office until XX/XX/XXXX, about 6 years after the alleged debt. They just now decided to list it on my credit report and try and collect on it without even notifying me or giving me a chance to resolve any alleged debt before listing it. 

As mentioned, I never received a notice or communication, not a letter, not a call, nothing. If they had provided me notice of the debt and given me the chance to validate the debt, I might of been able to validate and resolve any alleged debt before it reached my credit report. However, no one contacted me, just immediately decided to list it on my report for which I immediately called them about it the day I saw it. Completely unfair. Especially after so many years!

Company response to consumer: Closed with explanation