vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
New Rez financial has required me to pay for PMI in violation of the HPA for the last 30 months ( approximately ). 

I initially requested that PMI be removed from my account in the fall of XXXX. I was advised at that time that I would have to have an appraisal done ( costing {$400.00} ) for them to consider my request. When my home didn't appraise for enough money, I was advised that my loan was scheduled to reach 78 % of the my loan 's original value within the next several months and that PMI would then automatically be removed from my monthly mortgage payment. 

When PMI wasn't removed, I made a second request in XXXX of XXXX. I was advised that I would have to pay {$150.00} for a BPO appraisal in order to have my PMI eliminated. I paid for the BPO appraisal. I believe I was improperly required to pay for this second appraisal as the value of my loan was was well-below 78 % of its original value. 

New Rez advised me that they were eliminating PMI from my account earlier this month although they have not indicated that they would refund the PMI premiums that were improperly collected. I contacted them via email seeking a refund of ( 1 ) the improperly charged PMI payments, ( 2 ) a refund of the {$150.00} I was required to pay for the BPO appraisal ; and {$2000.00} in statutory fees as provided for in the HPA. New Rez has not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
XXXX from Mariner Finance ( XXXX ) XXXX called me at my place of business at XXXX XXXX EST on XX/XX/19 after I asked them to stop calling me at my work number and they said in a prior call that they would remove the number from their records.

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 2019-09-30 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: SC

Complaint narrative:
I have some loans I'm paying off through FedLoan Servicing. I have had trouble with their website, primarily having to reset my password every single time I log in. I've logged in dozens of times to check on my progress and make payments and every single time I check my password from XXXX and either exactly type it out as I see it or copy and paste the password. Both scenarios result in the site telling me to reset my password. Every single time. I even try to change my passwords to my old passwords and the site says, " You can't change your password to a previously existing password, '' so I've had about 2 dozen passwords I've had to make and store. I have called their support number at least 4 times and I've been told : " That shouldn't be happening, and you're making a mistake '' " We can't do anything about it, deal with it '' " Wow weird, that must XXXX for you. Never heard of anything like that. '' and " No, we don't have any tech support you can talk to, stop calling. '' I know this may seem like a minor inconvenience but it takes time to fix and is frustrating. I've never had a positive experience with customer support or been given any solutions to my problem. It's really unpleasant to have to take 5-10 minutes to log into my loan site every time I want to check on my debts and I haven't been treated well or had my problems listened to by their support line. Any help would be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: WI

Complaint narrative:
XXXX  XXXX XXXX XXXX {$780.00} XX/XX/XXXX NCB MANAGEMENT SERVICES , INC. {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX Hi Sir/Ma, One day I checked my credit report just to see what was on my credit file, unfortunately I found these three accounts that I am not aware of, I tried to dispute it, and request for debt validation to proof. Examples, Valid copies of the debt agreement stating the amount of the debt and interest charges, Agreement with the creditor that authorizes you to collect on this alleged debt, and Complete payment history on this account along with an accounting of all additional charges being assessed, to my surprise they did not respond to all my mails. 
Thank you. 
XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: IA

Complaint narrative:
I've contacted XXXX XXXX numerous times before they sold this account to portfolio recovery. I also disputed through portfolio recovery and they broke fair Debt collections act by not getting me the correct information in a timely manner. The last time I disputed was XX/XX/13 ... I just received statements on XX/XX/XXXX. They said my dispute is not valid because I didn't send them the correct information. I don't have to send them information because they're the ones that are supposed to verify the debt. I've enclosed copies of letters and stuff that show that they did not comply to the fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I called midland funding llc to validate a debt listed on my credit report. They told me the account was with their company XXXX. I called XXXX XXXX and provided my name, social security number, address and phone number. The guy told me that he could not provide me with information because the account was in my mothers name, not mine. I tried to tell him that it was on my credit report and he insisted that he could not provide me information. I called midland again and emailed XXXX XXXX requesting validation of the debt. I didnt hear a response back, so I called midland this morning and told them that I have waited 5 days to hear back and all they said was that XXXX XXXX was supposed to call me later and that it was a miscommunication about the debt. I called XXXX XXXX again and they would not provide me with the agent I spoke to who wouldnt disclose information with me and I again asked for validation of the debt and the guy said that they had received my email and the only thing they could do was open a dispute. I emphasized I only wanted validation of the debt and he told me that they had to investigate it which would take at least another 30 days. I do not feel this is fair. I wish to have the debt validated and I request proper documentation that the debt was indeed not in my name and now somehow is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I've contacted synchrony Bank numerous times before they sold this account to portfolio recovery. I also disputed through XXXX XXXX and they broke fair Debt collections act by not getting me the correct information in a timely manner. The last time I disputed was XX/XX/13 ... I just received statements on XX/XX/XXXX. They said my dispute is not valid because I didn't send them the correct information. I don't have to send them information because they're the ones that are supposed to verify the debt. I've enclosed copies of letters and stuff that show that they did not comply to the fair debt collection practices.

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 2019-09-30 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: LA

Complaint narrative:
My student loan servicer is FedLoan Servicing. I am working to achieve Public Service Loan Forgiveness ( PSLF ) on my student loans. PSLF requires 120 on-time monthly payments. Due to low income and family size, my monthly payment was set at {$0.00} from XX/XX/XXXX until XX/XX/XXXX. During that time, I should have received credit every month for on-time payments even though the payment required was {$0.00}. However, on my Fedloan account, I am not receiving credit for about 15 months of {$0.00} payments ( XX/XX/XXXX - XXXX XXXX, XXXX XXXX, and XXXX XXXX - XX/XX/XXXX ). I have contacted Fedloan Servicing a few times about this issue. Each time I call, they assure me that the problem will be resolved and that I should receive credit for those months but, I never do. Each Fedloan employee I have spoken to reviews my account and can see that I have called before and the actions taken by previous employees and they say that " this time '' it will be fixed. It is still not fixed. On XX/XX/XXXX, I was told that my account would go through a qualifying payment review and the process should only take a couple months. As of today, XXXX XXXX, XXXX, a Fedloan employee is still unable to give me any information about the status of the review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I seen this account posted on my account several months ago that was unfamiliar to me and attempted to dispute the debt with the credit bureaus. The accounts continued to come back verified and only with some billing statements sent to me from Syncrony Bank/J.C Penny. I contacted Syncrony Bank/J.C Penny. directly by phone and spoke to a customer service agent who reported that they had no information on the account and that it was assigned to collection agency XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they were unable to verify the debt and deleted the accounts from my credit reports.I again contacted Syncrony Bank/J.C Penny. and mailed them a letter by certified mail on XX/XX/2019 asking how they verified this debt and to send me a contract with my signature. It is now XX/XX/2019 and they have yet to respond to my letter regarding my request to this account listed on my credit 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 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I called XXXX XXXX XXXX to validate a debt listed on my credit report. They told me the account was with their company trueaccord. I called true accord and provided my name, social security number, address and phone number. The guy told me that he could not provide me with information because the account was in my mothers name, not mine. I tried to tell him that it was on my credit report and he insisted that he could not provide me information. I called XXXX   again and emailed true accord requesting validation of the debt. I didnt hear a response back, so I called XXXX this morning and told them that I have waited 5 days to hear back and all they said was that true accord was supposed to call me later and that it was a miscommunication about the debt. I called true accord again and they would not provide me with the agent I spoke to who wouldnt disclose information with me and I again asked for validation of the debt and the guy said that they had received my email and the only thing they could do was open a dispute. I emphasized I only wanted validation of the debt and he told me that they had to investigate it which would take at least another 30 days. I do not feel this is fair. I wish to have the debt validated and I request proper documentation that the debt was indeed not in my name and now somehow is.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Access Receivables of NC Inc.
State: VA

Complaint narrative:
After viewing my credit report it appears the company ACCESS RECEIVABLES MAN is hitting my account with negative information but not providing what the debt is for. 
I have not received correspondence indicating anything at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
It is said on the report that the account is already sold or transferred. But then it is reporting inaccurately. I see the date last active reporting on XXXX XX/XX/XXXX on XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX all 3 dates should be the same.

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 2019-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX : Initiated a {$1500.00} XXXX transfer from sender 's Bank of America ( BofA ) account to recipient 's XXXX account ( confirmation attached ) -Recipient received email shortly from XXXX stating funds would arrive momentarily ( attached ). 
-XX/XX/XXXX : Funds were processed and withdrawn from sender 's BofA account ( confirmation attached ),  Recipient claims to not have received the funds -XX/XX/XXXX : Sender opened a claim through BofA to track funds that never arrived to recipient 's intended account. 
-XX/XX/XXXX : Sender sent a test {$1.00} to recipient which was received instantly XXXX XXXX : BofA informed sender that claim had been resolved and closed with the resolution ( letter attached ) that  XXXX had found the funds were successfully to intended recipient 's account. This misinformation was provided by XXXX, but should have been confirmed by BofA. 
Sender and recipient have been several phone calls during this process to track the funds. Conference calls between XXXX, sender, and recipient have been made with no luck finding the funds in question. Sender has now re-opened the claim and request to be sent to an escalation department because of misinformation from both BofA and XXXX claiming the funds have been found. When calling XXXX claims department, no funds were found in the amount of {$1500.00}

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 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax Several years ago I was a victim of I.D theft resulting in a number of student loans appearing on my credit report. My repeated request over the last several years to have this matter rectified has been to no avail. Equifax has taken the hard knock positions that this matter has been investigated and that no further investigation is warranted. I have requested that this issue be looked into under Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. ( This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is mines ) has been non responsive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I sent a certified letter on XX/XX/2019 to Hunter Warfield to validate a debt they have posted my credit reports from XXXX XXXX. I heard back from Hunter Warfiled on XX/XX/2019. I contacted them again via certified mail on XX/XX/2019 asking them remove the unverified items while they conducted their research, as continuing to post this item unverified is still a means of collection. I've sent my final certified letter to them today, again asking them for their source of validation. 

In the meantime, I've been conducting my own research with the other consumer reporting agencies. XXXX had this same item posted saying my deposit was returned, but then I also had balance when I moved out. That doesn't even make any sense. Attached are the results of that dispute from 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 2019-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bryant, Hodge & Associates LLC
State: NJ

Complaint narrative:
The Company Bryan, hodges , & Associates are sending spoofing text messages to me not identifying who they are but are portraying they are a friend and to call them back. Photo is attached. When I attempted to call out of concern the caller did not identify  themselves. I was told " XXXX '' was their litigator and then hung up on. I called back to try and gain some information on the company and why they were reaching out. I was met with hostility and then hung up on. I called a third time asking to speak to XXXX. I was told she doesn't accept incoming calls and she is a locator. I asked to speak to a supervisor or manager and was refused. At no time was I notified my call was being recorded.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-30 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 — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: TN

Complaint narrative:
Netspend sent me text messages and emails saying that I needed to call in. I called on XX/XX/XXXX and found out that Netspend stopped paying Unauthorized - Foreign transaction is : XXXX XXXX XXXX XXXX XXXX. {$56.00} five times. 

Both the XXXX and XXXX claim that they do not recognize either my Soc. Security #  or my now shut down card account #. 

Being a veteran and having lived in the XXXX XXXX XXXX area for XXXX years, I know a XXXX accent when I hear it. 

The exact same problem happened to my account in XX/XX/2019. But Netspend finally figured it out, and my phone calls to them are ( or were ) not being 'transferred ' overseas, XXXX , PI for example. 

You would have thought that Netspend would spend extra resources to find out that a ROGUE CUSTOMER SERVICE is ripping people off and shut it down, especially their overseas affiliates. 

So I called again on XX/XX/XXXX ( using the XXXX # ) and was then transferred to a supervisor who said she saw that the XXXX XXXX XXXX XXXX XXXX was thought to be 'approved ' per what the initial customer svc rep had indicated. I said that he apparently wasn't listening because each time he asked I said NO, I do not know who this is. 

It should have been obvious to Netspend that these were suspicious transactions since they came one after the other AND the amount was the SAME, until XX/XX/XXXX that says the amount is {$54.00} --. 

As of XXXX XXXX CST, I emailed the President of Netspend giving them 4 hours to correct this or my next phone call will be to the FBI. 

Still waiting. The CFPB should also investigate XXXX XXXX XXXX because they have the legacy phone systems that a poor nation as the XXXX still rely on. Plusm all this nefarious activity came around the time of my Pension Payout from XXXX XXXX XXXX. Fortunately, I did miss that first deadline or my $ XXXX would have been toast, overseas, and without an ability to get at it. 

XXXX XXXX XXXX and I have a 'history ' - and needs to be looked into with a fine tooth comb in regards to XXXX and to my own personal history.

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 2019-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: F.H. Cann & Associates, Inc.
State: MD

Complaint narrative:
I Have been paying my monthly payment as I have been requested to each month for nine months to get my loan back in good standings and out of default, Fh cann asked me to fax over paper work back in XXXX after I found out my taxes were taken and I could set up payment to be back in good standings and off off the offset list. I was asked to fax over tax forms and pay stubs alone with employer info which I did along with my terms and condition form ( I have fax confirmations and emails. ) Without this form i will not be able to go back to good standing within 9 months, I have been contacted several time throughout the year stating they did not receive the form. But they received all other forms? I have faxed emailed and mail this letter nemours times in hopes that this would be settled. Only to get a call back months later to say they still have not received all the paper work but yet still taking payment from my bank account. I tried reaching out to management which is always busy and cant get on the phone, ask for corporate number with no luck and being told that I need to call the same XXXX number as customer service ( XXXX ) I don't know where My money is being sent at this time all I know is that I am making payment. Tried to reach out to Department of education with hopes of getting somewhere unfortunately I've been told they can not help me at this point until Im in good standing.Which I should be at this point but I feel im getting no where with this company. I need help Because as a single mother I cant afford to make these payments not knowing where they are going and to have my taxes intercepted again when in reality Im doing all that I should be doing.

Company response to consumer: Closed with explanation