vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: NY

Complaint narrative:
CMG is the worst mortgage servicing company I've dealt with. Their customer service representatives are unable to properly deal with customer issues and are almost exclusively reading from a script without any break from the company line unless you attempt to escalate through many agents and/or departments. 

My latest issue is trying to remove PMI from my mortgage. This department has no human presence, no phone number, no department to speak with via transfer, no named email address. The only way to receive information regarding PMI is to email their address at XXXX which is presumably an outside service provider. 

My first email to this address was on XX/XX/22 with regards to receiving an updated property appraisal to review and modify my XXXXXXXX XXXX XXXX XXXX. I received an email response 22 days later that I was ineligible to remove PMI. 

I immediately responded, same day, to their email for clarification on eligibility on XX/XX/22, I received my response 18 days later that I needed to resolve my COVID XXXX forbearance before receiving additional information on removing PMI. 

It took 41 days for this company to answer a very basic question to their customer regarding the removal of PMI. 

On XX/XX/22 I had my XXXX mortgage payment cleared and I email the department again about the removal of PMI. As of this time, I still did not know what the process was to request an appraisal to re-evaluate my XXXX on my mortgage. 

They responded 23 days later with the details needed to move PMI from my mortgage. This being a full 97 days from my initial inquiry. 

I sent a check as requested to process an appraisal in XXXX, I received an email from the PMI department on XX/XX/XXXX that I was ineligible for the appraisal. 

I had, for the first time delinquent, submitted a mortgage payment for XX/XX/XXXX payment on XX/XX/XXXX. I then followed up that payment with a second to satisfy my XXXX mortgage payment. However, that made my mortgage payment history with a single 30 day late payment. 

This resulted in me being ineligible to request an appraisal to modify my mortgage XXXX for the chance to remove PMI for at least another 12 months. 

I'm of the opinion this is setup by design to make the appraisal and modification of PMI as difficult for the consumer as possible and to the benefit of the mortgage/PMI servicer. 

I'm set by a specific standard by my mortgage company and I don't believe they are set to the same standard. I should be able to speak with this department directly as a consumer and get answers to my questions as needed, not wait a consistent average of 21 days before receiving replies to basic email inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: AR

Complaint narrative:
On XXXX XXXX 2023 I tried to buy a drink and get XXXX dollars XXXX at XXXX using my XXXX direct Debit card. The debit card is provided by XXXX through the company Payfare for earnings and debit usage. The XXXX took my entire purchase of {$37.00} off my balance and didn't give me anything. The XXXX XXXX named XXXX made sure that XXXX didn't have the money and tried to talk to XXXX on the phone to explain and they hung up on her. 

I've been trying nearly everyday to get help and they keep hanging up on me. I'm homeless, and XXXX is an anti-American scam used to persecute poor and disabled people. XXXX XXXX to me, XXXX XXXX to be held under water .... Then stolen from in early XXXX. XXXX years now. I've never had disability assistance for a severe XXXX that I've asked everyone for help with. So, homeless I have to eat bullets at the rate of {$37.00} dollars a pop or more... 

Not to mention last XXXX jobs I attained stole from me before making it to the end of the first pay period. You all drown XXXX people 's. Worst of all, I was XXXX by child abuse from doctors and society .....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ADDRESS XXXX XXXX XXXX, XXXX XXXX, FLORIDA, XXXX IS NOT MY ADDRESS. I HAVE NEVER LIVED THERE.

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ADDRESS XXXX XXXX XXXX, XXXX XXXX, FLORIDA, XXXX IS NOT MY ADDRESS. I HAVE NEVER LIVED THERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
My name is XXXX I am currently an adult living with XXXX XXXX XXXX. I have had 2 credit cards from chase for almost 2 years. My mom who is also my guardian assisted me on multiple occasions put my account on auto-payment. My United Airlines card stayed on Auto-pay but for whatever reason the Auto-Payment on my Chase XXXX XXXX keeps coming off on its own and Chase keeps charging me late fees on my card I have a total of 9 late fees at {$40.00} each totaling {$360.00} and interest is extra. My current balance is {$770.00} so the late fees is half my bill. Chase also lower my available limit as well on my cards lowering my credit score due to it looking like I was at 80 % usage in my card when I was actually only at 30 %. Chase also put a late fee on my credit report in the month of XXXX due to my Auto-Payment being turned off. I have never had a late fee on my credit report on any of my accounts it once again lowered my credit score. I can show proof that due to chase my score went from 740 to a 680 When my mom tried to assist me with resolving it they refused to speak to her even though I gave permission. One of the reps even hung up in her face.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Fraud Victim Assistance Department Dear Sir or Madam : This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included inaccurate information in my credit profile. Due to its damaging effects on my good credit standing I have been wrongfully denied credit. Credit reporting laws ensure that bureaus report only accurate credit information. This inaccurate information is a mistake on either you or the reporting creditor 's part. 
With the proof and proper documents that I'm attaching to this letter, please remove all negative items from my credit report. I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have also received letters from Equifax and XXXX detailing my information was found in their data breach. I have received notifications from XXXX and XXXX that my data has been found on the Dark Web, along with my mailing address being found on USPS mail forwarding system. I was not receiving mail for some and received confirmation from the USPS that my mail was set up for mail forwarding. I immediately contacted USPS and notified them I never consented to my mail to be forwarded to another address. I did not authorize any of the following above. Items I am disputing do not relate to any transactions that I have made or authorized. I have also attached a copy of the notification from XXXX of my email being compromised. Theres a name listed on the notification as well. Please remove this information at the earliest possible time please. 

XXXX XXXX XXXX XXXX Balance {$9100.00} XXXX XXXX XXXX XXXX, WA XXXX Account # XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Services, Inc.
State: NV

Complaint narrative:
This debt has exceeded XXXX yrs, original debt from XXXX, they keep selling account and is way past reporting age. This debt collection company keeps falsely renewing the debt age and will not remove from my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to file a complaint against Portfolio Recovery, a collection agency, for their alleged violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in relation to an account they claim I owe. 

I have reason to believe that the account is inaccurate, and that Portfolio Recovery has failed to provide adequate verification of the debt, as required by law. Specifically, they have not provided me with a copy of the legally binding contract entered into at the conception of the debt, or any documentation of the original contract with the creditor, XXXX XXXX, that shows the transfer of ownership of the alleged debt. They also have not provided any proof of accurate legal debt assignment, payment history of the alleged debt, the correct original date of first default, or any communication of the payment address of the original creditor. Specifically, Portfolio Recovery has violated the following U.S.C. codes : 1681i ( a ) ( 1 ) ( A ) and ( B ) - Failing to provide verification of the debt upon my request 1681e ( b ) - Reporting inaccurate information on my credit report 1692e ( 2 ) ( A ) - Attempting to collect an alleged debt without a legal contract 1692e ( 5 ) - Failing to provide the payment history of the alleged debt 1692g ( a ) - Failing to provide the original contract of the alleged debt and any mention of transfer of ownership 1692g ( b ) - Failing to communicate proof of accurate legal debt assignment 1692g ( c ) - Forced/coerced admission of liability Furthermore, I believe that Portfolio Recovery has been trying to collect an alleged debt without providing any of the above-mentioned documentation, but with the intention of hurting my credit score and stifling my financial success ( which amounts to passive harassment, coercion, and abuse ).

According to the FDCPA and FCRA, it is the responsibility of the collection agency to provide all the requested information and proof mentioned above, and to report the account while indicating the accurate date of initial default, which provides the timeline for reporting. But Portfolio Recovery has failed to do so. 

I am requesting an immediate investigation into this matter, and that the XXXX XXXX XXXX take appropriate action to hold Portfolio Recovery accountable for their alleged violations, as per U.S.C. code violations. I also request that the collections account be removed from my credit report and that any future attempts to report it be prohibited without the provision of all the information and proof requested above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I opened an XXXXXXXX XXXX Card account in XXXX of 2021 and closed the account one month later, but they havent returned my {$200.00} deposit back since then. Ive contacted customer service at least three times but theyve always said that if my account doesnt have anything owed ( which it didnt when I closed it and still doesnt ) that Ill receive my check in the mail within 14 business days. Its been over a year now and its not an issue of them having the wrong address because theyve sent me mail asking how my experience with their customer service was when I had to ask where my deposit was yet again.

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 monetary relief
Consumer complaint received 2023-01-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2023-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It XXXX Concern : I sent a DEBT VALIDATION letter on XXXX accounts that Resurgent Capital Service is trying to collect on XX/XX/2022. I was requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I'd requested to provide me with the following documentation. ( Please read below ) Account # XXXX {$3100.00} amount Account # XXXX {$12000.00} amount Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Payment history. 


I received a letter from Resurgent Capital Service with only a copy of a portion to the original contract ( The letter was not certified ) and they did not provide me with the documentation I have requested. Please I'm asking for CFPB to step in and help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I put through a dispute with Wells Fargo on XX/XX/2022. XXXX XXXX sold me a {$590.00} Defective phone. XXXX XXXX rep did not put in my XXXX card so it wouldnt work. Same day I had no directions & I tried to return it. XXXX XXXX refused. I tried it. The earphone was taken out. I purchased an earphone adapter. While using the phone, the volume went to zero. I returned it to the store. XXXX XXXX refuses to admit their phone is defective and employee did not put in XXXX XXXX XXXX XXXX card. I returned the phone to XXXX XXXX on XX/XX/2022. I request my refund.

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 2023-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
This is not mines debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2023-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
I relieved a notice by mail this week, letter marked XX/XX/XXXX, that my PSLF application was reviewed by MOHELA and found to be incomplete. The documentation I submitted was complete and accurate following the directions put forth by XXXX XXXX XXXX XXXX. The PSLF process for service members does NOT require XXXX OR PAYSTUBS be submitted for every year served in the XXXX. A XXXX and statements of service to MOHELAXXXX are sufficient according to regulation. I am not missing information so you need to process my application with the complete and accurate information you have in your possession. Stop making department XXXX XXXX employees, service members, go through additional hoops to get the forgives they deserved. I filled my orders and instructions to the letter of the law and its time your company did the same. You state in your letter you were unable to determine that my employer- the UNITED STATES XXXX is an eligible public service organization. ( What? That makes no sense unless the person who was reading and processing my application was a complete and utter XXXX. ) Fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I have XXXX separate issues regarding charges on my account. I received a fraud alert via text message in reference to all the charges made on my account on XX/XX/XXXX ( XXXX, XXXX, XXXX ) I still see the charges. 

I put in for a dispute for the charges from monthly XXXX XXXX ( {$8.00} ) which is the app for the XXXX XXXX on my car starting from XXXX XXXX XX/XX/XXXX I only see XXXX credits. I have not had my XXXX since XX/XX/XXXX it was a lease and I have proof of that. I am still being charged monthly for this. 

I have late fee XX/XX/XXXX even though I have always had a my account in Auto-payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-15 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: NY

Complaint narrative:
the credit reporting agencies continue to violate my rights the fair credit reporting act says under 15 usc notice of results of reinvestigation ( A ) a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later the 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency also 15 usc 1681 ( A ) accuracy and fairness of credit reporting ( 4 ) states there is a need to insure that the consumer reporting agencies exercise thier grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy also see 15 usc 1681 ( B ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) in accordance with the written instructions of the consumer to whom it relates 15 usc 1681s-2 responsibility of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information ( A ) reporting information with actual knowledge of errors a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate 611.procedure in case of disputed accuracy 15 usc 1681 i ( A ) reinvestigation of disputed information subject to subsection g if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by consumer the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate i am submiting documents with this complain proving that the credit agencies are violating my rights and ask that you please remove the following items from my consumer report ACCOUNT NAME ; XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME ; XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME ; XXXX XXXX ACCOUNT NUMBER ; XXXX ACCOUNT NAME ; XXXX XXXX XXXX ACCOUNT NUMBER ; XXXX as you will clearly see there is alot of in accurate information on all of these account i have hilighted all of the inconsistencies and inaccurate information XXXX my credit report XXXX also sending you the letters i sent to the reporting agencies. 
15 usc 1681 ( e ) section ( b ) compliance procedure section 1681 ( b ) accuracy of report 15 usc 1681 section 602 i have the right to privacy section 604 a consumer reporting agency can not furnish an account without my written instruction

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