vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 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: CA

Complaint narrative:
The US Department of Education says I acquired a student loan of {$13000.00} in XXXX of XXXX. I did not. No mono was requested or received for education as a loan or XXXX. I was not attending any college, university or trade school. I was not a student at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before payment due date. 

I NEVER gave Equifax any written instructions to furnish and/or apply any information on my consumer report which is a violation of 15 USC 1681b . Equifax has caused severe stress and anxiety due to the abusive and unfair practices. I have requested this false information to be removed from my report and they have failed to do so. My demand was issued XX/XX/XXXX for the alleged XXXX XXXX XXXX XXXX in the amount of {$13000.00}. 

Equifax has broken the law by report medical accounts to my report. Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. Equifax has not validated nor verified that I owe the alleged debt. I have requested for original documentation to be produced and sent to me for verification, this has been a total fail on Equifax part. This demand was issued XX/XX/XXXX for the alleged debt of {$210.00} by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In response to CFPB complaint # XXXX, my name is XXXX XXXX XXXX XXXX federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC ( PRA ) for violating a cease and desist notice they received on XX/XX/2022 and for continuing to invade my individual privacy. I have attached a debt validation letter, a cease and desist, a copy of the account reporting on my ( XXXX, XXXX, and XXXX ) consumer report ( marked as Exhibit A through C ), Exhibit D which is a copy of their response to CFPB complaint # XXXX, and a XXXX of an FTC report that will be labelled as Exhibit E when filing for litigation in Federal Court to this complaint. PRA stated, We sent our initial notification letter to you on or about XX/XX/2022, and We have no record of a request or dispute being received in relation to our initial notification letter. Pursuant 15 USC 1692g ( a ), ( b ), and ( c ) I have not validated any alleged debt with PRA. As of XX/XX/2022, I have never received any documentation requesting validation from PRA before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If PRA can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. PRA states, In response to one of those disputes, we sent you the attached letter containing validating documentation from the original account. As of XX/XX/2022 I have not received any documentary evidence, such as a trilateral contract, giving PRA any right to collect on this alleged debt. It is my belief that PRA are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deception forms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: MA

Complaint narrative:
I was informed that refinancing my private student loan with Fed Loan Servicing ( Federal Student Loan ) would qualify me for the XXXX XXXX XXXX XXXX. I have been making on time payments since I XXXX XXXX XXXX XXXX XXXX  and have XXXX for a XXXX XXXX XXXX since XXXX to the present. I refinanced my loans in XX/XX/XXXX and my credit score was negatively impacted by over XXXX points. I applied for the Public Service Loan Forgiveness program in XX/XX/XXXX and sent an updated one in XXXX of XXXX. I have seen a number of people have their loans forgiven in this time period in which they applied after I did. I now received a letter from XXXXFed Loan that my loan would be transferring to a new Federal student loan servicing company, XXXX. In the letter, it states that this transition may affect my credit score. I have been waiting patiently for an updated count on my public service loan forgiveness since XXXX. It is now XXXX and my loans are being transferred to another company and my credit score will be impacted again. I am unable to make purchases and receive good interest rates because of this. The public was told that in order to qualify under this new waiver in XXXX of XXXX that we had to refinance. There was no choice. I have done everything required and I know that my loans should have already been forgiven under the new waiver. I have called numerous times to Fed Loan Servicing and to XXXX XXXX with no information be given. They continually tell me that they have no further information for me and that I just have to wait. It would be ok if it was just waiting, but now it is impacting my credit so negatively that it is unfair to me as a consumer. I have also filed a complaint with XXXX XXXX and they were reviewing the complaint. I later logged on to check the status weeks/months later and it shows that it was closed, but there was never any email or feedback to me. This is extremely upsetting and concerning that there is no rhyme or reason as to the processing of Public Service Loan Forgiveness applications. Again, I originally consolidated in XXXX and filed in XXXX right after my consolidation. The state of XXXX  can verify that they have certified my XXXX  twice already and still no movement from Fed Loan or XXXX XXXX. I am very concerned that on XX/XX/XXXX my loan again is going to be transferred and my credit score impacted significantly. This has impact on future home buying ( mortgages ), car purchases, etc. I am hoping that someone can assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: OR

Complaint narrative:
I have paid the debt ( {$70.00} ) in XX/XX/2022. I continue to get notices every week from ARSTRAT  stating that I owe them {$38.00}. I have called the original debtor and they say that it has been payed. I have called ARSTRAT and they say the account has been settled and the account is closed. I ask why I continue to get the notices if it is payed, every time they say it is because I payed just before the notice went out. I say each time that I payed back in XXXX, why do I continue to get the notices. I want it to stop and I want them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: TX

Complaint narrative:
XXXX XXXX XXXX SS : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ATTN EQUIFAX CREDIT BUREAU ( INFORMATION MISSING AND INCORRECT INFO REPORTED ) I am writing this to request a full investigation and clean up of my credit report. I believe I was a victim of your coding error this month and that is totally unacceptable. My current credit report contains multiple missing items and incorrect information! THIS INFORMATION MISSING AND INCORRECT IS AFFECTING MY CREDIT SCORE AND HISTORY. IT IS ALSO HURTING ME FINANCIALLY. 

I have requested a correction multiple times however every representative has failed to provide help. I am attaching a current report that I pulled showing my current report and have marked all of the items that need to be investigated. Per my FCRA rights, you are responsible for providing accurate information and if you fail to do so, you could be liable for damages. Below is a breakdown of everything that needs to be adjusted. 


PERSONAL INFORMATION Name - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Current Address - XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX Previous Addresses - XXXX XXXX XXXX, XXXX Texas XXXX. XXXX XXXX XXXX XXXX XXXX Texas XXXX. 


MISSING ACCOUNT ATTACHED TO FILE INSTALLMENT ACCOUNTS XXXX XXXX XXXX, CLOSED, UNSECURED LOAN, BALANCE {$0.00} XXXX XXXX, OPEN, SECURED LOAN, BALANCE {$970.00} XXXX XXXX XXXX, PAID, SECURED LOAN, BALANCE {$0.00} XXXX XXXX  XXXX XXXX SECURED LOAN, PAID, BALANCE {$0.00} XXXX XXXX, XXXX LOAN, CLOSED, BALANCE {$0.00} XXXX XXXX, OPEN, CURRENT, BALANCE {$2200.00} XXXX XXXX XXXX, CLOSED XXXX SECURED LOAN, {$0.00} XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, BALANCE {$0.00} XXXX XXXX XXXX, SECURED LOAN XXXX PAID, BALANCE {$0.00} STUDENT LOANS XXXX ( STUDENT LOAN ) XXXX, BALANCE {$7000.00} XXXX ( STUDENT LOAN ) XXXX, BALANCE {$5500.00} XXXX ( STUDENT LOAN ) XXXX, BALANCE {$4500.00} XXXX ( STUDENT LOAN ) XXXX, BALANCE {$6000.00} RENTAL AGREEMENT ACCOUNTS XXXX XXXX XXXX RENTAL AGREEMENT XXXX, XXXX, XXXX DEROGATORY ACCOUNTS THAT WERE RE-ADDED WHEN THEY WERE PREVIOUSLY REMOVED WHICH IS A VIOLATION XXXX XXXX NEEDS TO BE REMOVED. 

I need a response ASAP. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
In XX/XX/2022, I satisfied the XXXX XXXX  payment requirement to have my loans forgiven by way of public loan forgiveness. After several months of not hearing back on the status of my forgiveness, I called and was informed in XXXX that Fed Loan servicing inadvertently made a mistake, rejected my application to forgive my federal student loans, and failed to provide notice. 

My name on my federal loans is XXXX XXXX, my maiden name. 

On XX/XX/2022, I called for at least the XXXX or XXXX time to follow up on my application. On that date, after numerous confirmations that my application would be approved, they caught their internal error and then approved my loan forgiveness. They further explained my balance would be forgiven in a matter of days, and that I would receive a letter of confirmation. 

It has now been several weeks. I make calls almost daily to see why my loan balance has not been discharged, despite my approval. No one can give me any information or any timeline. 

Today, Ive been put on hold by XXXX separate people, in excess of hours. No one can provide me information on why my balance has not been forgiven. They say they can not provide a timeline for when this will be done, but have confirmed that I have satisfied all necessary steps for the loans to be forgiven. 

I have called at least three dozen times in the past several months. This delay in performance of loan forgiveness on their end is devastating to me, as I am desperately waiting to have this XXXX plus balance forgiven. This is having a tremendous impact on my credit score, which is in turn, inhibiting me each and every day from moving forward with purchasing a home and a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX and XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
On XX/XX/22 XXXX Etherium coins were transferred to a third party account without my knowledge or authorization. I have called and emailed Coinbase on numerous times trying to get a log with dates and times when the XXXX etherium coins were stolen. To this day I haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
REF : Lender refuses to Appraise property in order to drop PMI. 

My lender/loan Servicer, Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX United States | Lender XXXX ID : XXXX after numerous requests has refused to Appraise my home in order to drop PMI. 

I purchased my property in XX/XX/2021 for {$210000.00} and the value has since gone up to The currently valued at {$260000.00}. This is more than 20 % Equity. With more than 20 % equity, I requested Freedom Mortgage to cancel PMI by appraising my property to get the current value. 

They have denied my request to do an Appraisal and continue to charge PMI every month. I have made requests both in writing and verbally to no avail. 

I am seeking your help to have this appraisal done so the PMI will be dropped from my monthly mortgage payment. Please contact me at 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 2022-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
I have already filed a complaint regarding this debt with this company, filed disputes with the credit bureaus regarding this illegal collection of a debt not owned, and their response did not provide any response specific to my claims! They only provided, essentially the same documents that I provided to you! This should not be acceptable to the CFPB and they should be required to answer the actual claims relative to the fact that XXXX, the lienholder and original hold to this debt, received the " amount of the Creditor 's interest as of the date of the loss, as represented by the portion of the Customer 's unpaid balance according to the original payment schedule of the Financing Contract that is secured by the unearned finance charges ; late charges, ; any delinquent payments '' as per the paragraph 8 of the GAP Addendum to the sales contract for this debt! 

This debt is relative to a vehicle that I purchased from XXXX on XX/XX/XXXX that was financed by XXXX ; the original debt holder/lienholder. This vehicle was stolen from me, totaled, and then as a result, XXXX collected the payoff via the GAP Insurance Policy from XXXX  that I purchased when I financed this vehicle. 
XXXX requested and received the payoff of this debt via XXXX on XX/XX/XXXX as confirmed by XXXX on XX/XX/XXXX by XXXX XXXX, the Manager of Customer Service for XXXX which should verify the absolutely ridiculousness and invalidity of this illegal debt collection even further! Furthermore, XXXX refused to send me proof in writing, as the customer/owner of the GAP Insurance Policy with XXXX, Account # XXXX that XXXX received the payoff. Nonetheless, per Persolve XXXX  's own response, the amount they are attempting to collect does not even match the amount that XXXX claims they are owed! Persolve XXXX is a fraud ; is scamming my credit, and XXXX, the original debt holder is facilitating this scam and CFPB is allowing them to do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
I take this quite seriously! You are hurting my credit score! As a customer, you are causing me XXXX I am unaware of the purpose of this account. I have never signed any agreements with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account was hacked into and a lot of transactions were made that were not authorized on my account. Some transaction left me in a horrible state to where I would be in the dark and my vehicle would be taken. Do to this situation I had to make a lot of life altering decision so that I could pay those bills. I advised my bank CHASE to mot send those payments back through due to I had to make other arrangements to pay those bills so the I would not be in an even worse position that I was. On top of going through all of this Chase is continuing to overdraft my account with all the charges that were already paid and are doing nothing to help in the matter at hand of my account be hacked other than closing that account. I have been continuously having whatever money I have been having direct deposited being taking away do the charges they keep adding to my account. Which is continuing to put me more and more in a horrible position on trying to live day to day. They are making things worse by taking from me instead of working with me to make things better for me since I was the victim of identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I pursued a fruitless attempt to apply for a loan modification and assumption - which resulted in CFPB complaints XXXX and XXXX During the review of those complaints, it became apparent there was no hope of getting any result from Wells Fargo and I withdrew the applications for modification and assumption. I also, as the XXXX of the estate which holds the mortgage, requested covid forbearance on behalf of the estate, which has suffered economic setbacks due to the pandemic. My first attempt on XX/XX/XXXX resulted in an hour-long phone call in which the representative continually deflected my request and attempted to cajole me into continuing with the pointless modification. When I steadfastly refused, he claimed the request would have to be reviewed by the loan investor. That is blatantly false, and in conflict with both the CARES Act and XXXX XXXX guidance. He further claimed I would hear back for " confirmation '' by midday the next day. No further communication was received. Therefore on XX/XX/XXXX, I called again and made it clear - again - my applications were withdrawn and the estate was requesting forbearance. The representative appeared toprocess the forbearance request. However, the letter received indicated I personally had requested and received the forbearance, which is not correct and more importantly not sufficient for administering the estate. Further, I received no documentation that at my request the modification and assumption applications had been withdrawn and were fully cancelled. Upon receiving the XX/XX/XXXX letter ( on XX/XX/XXXX ), I immediately alerted XXXX ( XXXX ) different XXXX of the unacceptable nature of the letter and the need for written documentation of my requests for withdrawl/cancellation being satisfied, I received nothing until today ( XXXX ) in the " response '' to the previous complaints. What is provided is not acceptable. A letter documenting the XXXX has been granted forbearance must be issued. WF was only too happy to play games about the estate being the holder of the note when it suited them. They now need to follow the same rules when it doesn't. Further, they need to provide clear and concise documentation that at my request, any and all applications for modification and/or assumption of the loan by me have been withdrawn, and the note and associated account remains solely with the estate of 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 2022-08-09 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: MD

Complaint narrative:
Portfolio Recovery calls daily. There are no written correspondence coming to my home and I have no outstanding debts. I want the daily automation calls to stop.

Company response to consumer: Closed with non-monetary relief