vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 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: TX

Complaint narrative:
Hello, I've sent in my PSLF forgiveness application to FedLoan Services BEFORE THE XXXX DEADLINE FOR PROCESSING. I have called countless times and spent hours and hours on hold for update and information. I have even missed days of work trying to get this resolved. After spending hours on hold one day months ago, I had a representative by the name of XXXX who spend hours on the phone with me and reviewed EVERY LAST ONE OF MY APPLICATIONS and stated " THAT ALL FIVE OF MY NEW APPLICATIONS SENT WERE CORRECTLY FILLED OUT. '' She stated " she saw the initial fax cut some things out but also see where I resent the information in correctly BEFORE THE INITIAL DEADLINE BEFORE TRANSFER TO XXXX. '' She also stated " THAT SHE HAD EMAILED MY INFORMATION WITH CODE NUMBERS TO HAVE A SUPERVISOR MANUALLY REVIEW AND PROCESS MY APPLICATIONS FOR REVIEW AS IT DID NOT DESERVE A TRANSFER TO XXXX. '' She states " that the requirement for a manual review is 6 weeks and I should hear something via mail when my applications were processed. She also informed me that " the computers were misreading PSLF applications and many correct forms were being ignored and misread. '' Tearfully, I thanked her dearly! XXXX informed me that I would hear of my loan dismissal in the mail after about 6 weeks as that was the current review time for manual review request. IT'S BEEN MONTHS AND I HAVE NOT. I AM ALSO GIVEN UNDESCRIBABLE RUNAROUND IN TAKING CARE OF THIS MATTER. 

I have called and called to no avail for an update and finally got someone who states my paperwork was received but transferred to XXXX. I called XXXX and XXXX states that my loans have not been transferred and are actually showing still on hold through FedLoan Servicing. I called FedLoan Services and told them XXXX said my loans are not transferred and are still currently being held by FedLoan. FedLoan Servicing then states " they see my applications for PSLF and I should here something. '' I HAVE BEEN DOING THIS FOR MONTHS. I MEET ALL REQUIREMENTS FOR LOAN FORGIVENESS AND CONTINUE TO GET THE RUN AROUND. 

PLEASE HELP ME! 

THANKS SO MUCH, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: Credit Karma, LLC
State: CA

Complaint narrative:
I signed up for credit karma and was offered and told to use apply for loans and cards indicating that my approval rate would very high and I got denied several times. I feel like this is false advertisement on their part and giving me false that would be approved for loans. My credit score is bad and have been trying to fix it for years based on the information their site provided. U know that there is lawsuit against credit karma and I feel like I should be apart of it because the have done more damage to me than good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: OH

Complaint narrative:
I received XXXX separate Invoices from a Penn Credit Corporation with a request for payment due to XXXX XXXX for {$370.00}. I have never heard of this company before. The dates of service for the fraudulent address were from XX/XX/XXXX. This was for the mailing address of XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. I was living in XXXX, OH at this time at my parent 's house. 

I received a second invoice from a debt collector ( XXXX XXXX ) for an invoice with XXXX XXXX for {$1000.00}. The dates of service for the fraudulent address were from XX/XX/XXXX- XX/XX/XXXX. Again, no idea who they are. I was living in XXXX, OH with my parents. 

While I was living with my parents in XXXX, I did not pay utilities, but Im sure I can come up with proof of residence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: UT

Complaint narrative:
HomePoint Financial is my mortgage servicer. The loan number is XXXX. I am in the process of selling this house, and I have a buyer who is going to assume the mortgage loan. 

This is an FHA loan and HomePoint is not allowed under FHA and HUD regulations to impose restrictions on a loan assumption as long as the new buyer is creditworthy. 

HomePoint started the process of the loan assumption, and then today notified me that they intend to sell my mortgage to another loan servicer on XX/XX/XXXX, and that they will not complete the loan assumption. They are permitted to sell my loan, but selling it right now imposes restrictions on my loan assumption and is contrary to FHA regulations that they are obligated to uphold. They are essentially imposing a bureaucratic 36-day delay on the loan assumption process that is untenable. This delay will have serious and unavoidable consequences for me. My buyer will back out, preventing the sale or assumption of my current home, and the rate lock for my new home purchase will expire, making that home unaffordable due to the higher interest rate, and I will lose {$5000.00} in earnest money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I sent all three credit bureaus letters asking them to verify my debt. They responded by saying that everything is verified correctly. The problem with that, is that after they said that, my credit report is still showing inaccuracies. 


15 U.S.C. Sec. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, Name of Account Account Number Verification XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
This company CBE is calling me about an ex girlfriend of mine who i havnt lived with in 4 and a half years dont know her number dont know where she lives..and told them repeatedly to stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX, XXXX closed the account they had in my name, but Equifax and XXXX are still reporting it on my consumer report I need both companies to delete immediately. See invoice attached from the company for proof of deletion from XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc.
State: WV

Complaint narrative:
After reviewing my credit history and seeing this collection on my credit report, I had received no notice of it. The company has not contacted me. I have never received a letter informing me of the balance, nor that it was sent to a debt collector. I had no knowledge this bill existed.

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 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XXXX, I transferred {$6000.00} to Barclays for a fee of 4 % ( {$240.00} ) with a promotional balance transfer of 0 % until XX/XX/XXXX. Since that time, if not before, they have been inappropriately applying payments resulting in accrued interest charges. 

For example, on XX/XX/XXXX, I made a payment of {$1000.00} which was inappropriately applied to my promotional balance instead of my balance accruing interest. On XX/XX/XXXX, I made another payment of {$200.00} which was also incorrectly applied. 

My statement balance as of XX/XX/XXXX was {$2000.00}. Since that time, I have made payments of {$1500.00} and Barclay made one credit of {$64.00} to my account. Purchases of {$53.00}, an annual fee of {$89.00}, and {$100.00} in interest has been charged to the account. 

I was assured that neither the balance transfer fee ( {$240.00} ) nor the {$6000.00} promotional balance was accruing interest. However, the numbers simply do not add up and none of the representatives or managers I spoke with were able to adequately explain their interest calculations. 

I was told by a manager ( XXXX XXXX today that the " Interest Charge Calculation '' section of the statement was only projected numbers and should not be relied upon. This is very concerning to 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 2022-10-27 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: CA

Complaint narrative:
I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 


They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-27 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Intent To Sue XXXX XXXX of Midland Credit Management for Defamation of Character, Mental Anguish, and Emotional Distress, and Federally Protected Consumer Rights Violations under 15 USC 1692 and Fair Credit Reporting Act Violations under 15 USC 1681. 


Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX, XXXX XXXX responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. They have failed to validate the debt of { {$1500.00} }. According to case law, a consumer contract or credit card statement is not sufficient evidence for debt validation. 

The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report to negatively affect my future consumer transactions and swindling me into making payments in order to remove the account from my consumer report. Again, I do not give you funding permission to report collections to account for { {$1500.00} } for account number XXXX to any of the credit bureaus. 

A Cease and desist notice requires the company to refrain from all collection activities according to the privacy act of 1974. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.

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 2022-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2 : 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 2022-10-27 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I received what appears to be a legitimate paypal email XX/XX/22 at XXXX at the email address through which I am registered with PayPal XXXX It was a notification that I had been invoiced for {$490.00} by a company called XXXX XXXX. I am not familiar with this company nor have I made any purchases in that amount recently. The seller note listed in the email says : " Seller note to customer You have successfully made a transaction for your Ethereum ( ETH ) Using Paypal, you Charged the amount mentioned in the invoice. This transaction may take 12 hours to appear in your Bank Statement. Do give us a Call for any dispute regarding the Payment and issue a Refund at XXXX ( XXXX ) XXXX '' I do not know what Ethereum is nor do I see the transaction listed in either my paypal or paypal credit account. Again, the email does appear legitimate, coming from XXXXXXXX and lacking the XXXX  misspellings of many phishing emails though I did note the odd capitalization of certain words. I did not click on any of the links listed in the email, but contacted PayPal directly about the incident. They were unable to provide adequate assistance, directing me to simply forward the email to XXXX. I did as directed but I do not feel as though the issue was being taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX, XXXX closed the account they had in my name, but XXXX and Experian are still reporting it on my consumer report I need both companies to delete immediately. See invoice attached from the company for proof of deletion from XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
UWM has a policy that if two auto-payment drafts are NSF within 12 months, they turn off auto-pay on your account. 

On XX/XX/XXXX there was a NSF that was not legitimate as there was money in the account. I contacted UWM, who stated I needed a Qualified Written Request, bank statements, and a letter from a bank. I got all that and sent it to them on XX/XX/22. An employee told me that UWM would have 30 days to approve or deny my request. I sent multiple messages on their message center and made several phone calls but everyone I spoke to told me they couldn't do anything about the situation and it was all up to the drafting department, which " doesn't have a phone. '' Anticipating the lack of help from UWM, I mailed a check certified with USPS on XX/XX/22. I ran the tracking number several times and it appears it was not sent properly. I called USPS and they said they are only able to look it up by the tracking number, which does not come back with anything. I will go to the post office tomorrow to send another check ( they use a XXXX XXXX so checks can only be sent USPS ) Today, XX/XX/22 I got a reply saying that they couldn't open my documents. I resent them all on the website. 

I have the money to pay my mortgage. I am extremely frustrated with trying to get the money to UWM and I can't talk to anyone who can do anything about getting auto-pay turned back on. Please help. 

I'm sorry for submitting a complaint about this, I'm sure other people have way worse things going on that they need help with. I'm not usually a complainer. I really appreciate anything you can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX  XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX  XXXX XXXX  account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXXXXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXXXXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXXXXXX account # XXXX ) has violated my rights. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights

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 2022-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: TX

Complaint narrative:
Superlative RM continuously calls this number using abusive language, and making threats. When I asked to speak to a manager I was handed off to someone next to the caller and not management. While trying to find out what the debt is in regards to the representatives are evasive, untruthful, and abusive in language. I have no contract with this company. I don't know who is actually calling me. I have never done business with this organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX, Wells Fargo responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. They have failed to validate the debt of { {$1500.00} }. According to case law, a consumer contract or credit card statement is not sufficient evidence for debt validation. 

The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report to negatively affect my future consumer transactions and swindling me into making payments in order to remove the account from my consumer report. Again, I do not give you funding permission to report collections to account for { {$1500.00} } for account number XXXX to any of the credit bureaus. 

A Cease and desist notice requires the company to refrain from all collection activities according to the privacy act of XXXX. Failure of Wells Fargo to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.

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