vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 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: MOHELA
State: MD

Complaint narrative:
My student loan servicer was XXXX XXXX XXXX. I switched to this loan servicer in XXXX because I wanted to participate in PSLF. In XX/XX/XXXX I became eligible for loan forgiveness because I made XXXX eligible payments. Shortly after receiving notification from XXXX XXXX that I received my trophies ( XXXX ) payments I received correspondence from XXXX that my loan would be transferred to Mohela because their contract wasnt renewed with the US Department of Education. I immediately reached out to inquire if I could remain with XXXX instead of being transferred. I was told that all of loan information including the eligibility for loan forgiveness would transfer to Mohela. My loan transferred to Mohela on XX/XX/XXXX and I wasnt able to view my account until XX/XX/XXXX. Im able to view my account and can see the XXXX payments on the dashboard for TEPSLF and XXXX for PSLF. I have met the requirements for loan forgiveness but Im having to wait unnecessarily. I have reached out to Mohela and not received a response on why I still in holding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Collection Agency - Medicredit XXXX XXXX XXXX XXXXXXXX is attempting to collect a dept that XXXX has paid in full on XX/XX/2022. 
Have they conferred with the provider XXXX XXXX XXXX  regarding this payment. 

XXXX Confirmation number of payment is XXXX. There is NO BALANCE DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: GA

Complaint narrative:
Delete Collections from Enhanced Recovery Co L from XX/XX/2022. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same.

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
In XXXX of XXXX we called to get help with our mortgage payment as my husband was laid off due to XXXX lay offs he was laid off on XX/XX/XXXX of XXXX the next day my mom passed away and also in XXXX of XXXX my XXXX  grandson was XXXX the XXXX XXXX XXXX  All was brought to Carrington Mortgage as alot had happened in this three months also my XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX when we spoke to them i thought they were really helping only to find out that the modification was for a year and were gon na be required to pay a ballon pymt of XXXX by XXXX XXXX XXXX since then we have stressed about how we are going to get this money. Carrington saw the equity in my house and are hoping that we would default and they can sell my house and make money. They were never worried about us saving our house. They were looking out for carrington Mortgage not us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I refinanced in XXXX to get rid of a predatory lender and servicer Chase, who was guilty of criminal usury. At closing in XXXX the new lender XXXX assigned the new loan to XXXX XXXX. XXXX XXXX failed to record assignment per Florida state XXXX. In XXXX XXXX XXXX assigned to XXXX and failed to record assignment from XXXX XXXX to XXXX. House got robbed filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX XXXX assigned to XXXX and recorded a defective assignment. In XXXX XXXX changed their name to XXXX cause they got in trouble with the Federal Reserve and had to pay {$63.00} XXXX to borrowers who were harmed. Found this out this year in XXXX. XXXX had my wrong address. In XXXX XXXX sold to XXXX XXXX XXXX improperly defective assignments and notes. XXXX does not have standing but trying to foreclose. Sued XXXX and XXXX XXXX in XXXX got default judgement. would like to get paid out of the {$63.00} XXXX for borrows who have been harmed. please. assist XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: WA

Complaint narrative:
Debit card for Regions bank account stopped functioning in readers around XX/XX/XXXX. When I went online to request a new card, I discovered the address was outdated and I had to update it. Customer service advised me that updating an address blocked me from requesting a replacement card for at least one week. 
Efforts to move money from Regions account to an external bank account associated with the same SSN were not successful. It appears Regions was also not able to complete those transactions. This blocked another option for accessing my funds. 
XX/XX/XXXX I requested a new card through the usual online process. According to customer service, card was mailed out on XX/XX/XXXX. 
On XX/XX/XXXX I discovered that Regions has separate address lines for each account, and I had only changed the address for the " global '' settings. I contacted customer service to make sure the card was sent to the correct address and customer service verified the address line by line. I was advised to be patient for the card to arrived. 
On XX/XX/XXXX I contacted customer service when no card had arrived. Customer service asked me to verify the address ( same one as was verified by them on XX/XX/XXXX ) and when I did that, they informed me the address had most likely been misprinted, making the replacement card undeliverable. They advised I call a phone number to get an expedited replacement. 
Any efforts to contact Regions by phone have only resulted in getting stuck in a voice memo system. I returned to customer chat. They informed me they would charge me {$25.00} for an expedited replacement, even though the error was completely on them. When I persisted in saying I would not accept those charges and still expected a replacement card in a timely manner, they suggested I was to blame because of the address change a week prior to my request. When I presented them with evidence that they told me they sent it to the right address on a chat on XX/XX/XXXX, then told me they misprinted it on XXXX, they went back to telling me they were obligated to charge me to expedite my card. 
We have gone a month without debit card access to our account funds. While we can move some money digitally, Regions has greatly restricted our access to our own money by their own poor customer service. We have to pay some expenses with cash or a bank-linked card, which we were using the debit card to pay. With that option unavailable, I have had to pay {$20.00} in transaction fees through this bank ( so far ) in order to move our cash to places that we can access it. I should not have to pay money to access my money, nor should I have to pay a bank extra fees for them to fix their own mistake.

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 2022-09-14 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
these accounts are fraudulent! I've been disputing for about a year and they yet to provide sufficient evidence of these accounts. please remove them. and late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear ma'am/sir, Thank you for conducting an investigation into the letters I personally sent off and said letters there were delivered on XX/XX/2022, according to the representative I spoke to on XX/XX/2022. I am genuinely impressed that you were able to talk to the employees of the original creditor and thoroughly conduct an investigation ( report number XXXX ). 

For my own records, to fully understand the completeness and maximum accuracy of the investigation conducted; I am demanding the " AUDIT TRAIL '' and " METHOD OF VALIDATION '' Pursuant to the FCRA, pursuant to 15 U.S. Code 1681a ( e ) ; What documents were sent to the Data Furnisher and e-Oscar? 
Who did you speak to regarding the inaccurate information youre advertising on my consumer credit report? 
If using any form of Metro 2 Compliance, was it run through e-Oscar?

If an Automated Consumer Verification System ( ADVS ) was used, were corresponding documents I sent out included with dispute? 
Who, and what employees were spoken to regarding this inquiry and what steps were followed to be sure everything being furnished onto my consumer credit report were equitable and fair to me? 

Please note, if ADVS and proper documentation was not sent, or if my letters were assigned the wrong number via e-Oscar that does not, nor has it ever been a fair, equitable investigation to ensure maximum accuracy. This is the information I am demanding pursuant to the FCRA. 
Thank you for reading this and I look forward to your prompt response.

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 2022-09-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: NV

Complaint narrative:
" In the Complaint, the consumer requests a printout of the chain of assignments from the XXXX system. Enclosed is the requested printout. '' This was the XXXX response I received. Thank you.. Dates covered in this print out is from XX/XX/XXXX through XX/XX/XXXX. Basically this time frame covers when XXXX was the servicer. 

XXXX became servicer on XX/XX/XXXX so I want assignments from this date onward. 

I would like print out of asssignments from XX/XX/XXXX through XX/XX/XXXX when XXXX has been the servicer. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Delete Collections from Southwest Credit System from XX/XX/2021. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same.

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA, XXXX DOB : XX/XX/XXXX last four of SSN : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX  XXXX Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer report information provided by XXXXXXXX XXXX  to the Credit Reporting agency by the name of XXXX. While checking my report, it came to my attention that this account is still reporting inaccurate information. Not only is the communication not accurate but all attempts to resolve this issue have failed. I have disputed this with XXXX XXXX on several occasions. This erroneous communication must cease. 

According to 15 USC 1692a ( 2 ), the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

XXXX XXXX has consistently communicated inaccurate information in regards to the credit builder account account ending in XXXX as well as the credit card account furnished via XXXX. The account has been reporting inaccurate late payments. As the attachment reflects, the account is reporting as current in XXXX of XXXX then reports as 60 days past due in XXXX of XXXX. How can an account be 60 days late in a time span of 30 days? The same incorrect reporting is reflected on the credit card account, on time in XXXX of XXXX then reports 60 days past due in XX/XX/XXXX. 

As per the literal interpretation 'any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information about the late payments for this alleged debt ) by XXXXXXXX XXXX will amount to a communication as per the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am providing you formal notice to cease any further communications regarding this account immediately. This includes but is not limited to calls, emails, social media, or any Consumer Reporting Agency unless it is to remove the incorrectly reported late payments. 

Any further contact by your agent or Company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation Sincerely XXXX XXXX XXXX Attachments : 1. Copy of Consumer Report 2. Copy of account inaccuracies XXXX inaccuracies

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 2022-09-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA, XXXX DOB : XX/XX/XXXX last XXXX of XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer report information provided by XXXXXXXX XXXX to the Credit Reporting agency by the name of Equifax. While checking my report, it came to my attention that this account is still reporting inaccurate information. Not only is the communication not accurate but all attempts to resolve this issue have failed. I have disputed this with XXXX XXXX on several occasions. This erroneous communication must cease. 

According to 15 USC 1692a ( 2 ), the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

XXXX XXXX has consistently communicated inaccurate information in regards to the credit builder account account ending in XXXX as well as the credit card account furnished via XXXX. The account has been reporting inaccurate late payments. As the attachment reflects, the account is reporting as current in XXXX of XXXX then reports as 60 days past due in XXXX of XXXX. How can an account be 60 days late in a time span of 30 days? The same incorrect reporting is reflected on the credit card account, on time in XXXX of XXXX then reports 60 days past due in XX/XX/XXXX. 

As per the literal interpretation 'any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information about the late payments for this alleged debt ) by XXXXXXXX XXXX will amount to a communication as per the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am providing you formal notice to cease any further communications regarding this account immediately. This includes but is not limited to calls, emails, social media, or any Consumer Reporting Agency unless it is to remove the incorrectly reported late payments. 

Any further contact by your agent or Company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation Sincerely XXXX XXXX XXXX Attachments : 1. Copy of Consumer Report 2. Copy of account inaccuracies XXXX inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Albert Corporation
State: MI

Complaint narrative:
Albert XXXX refused to honor the terms of the bonus that they offered. I can prove that they are breaking federal laws. I have screenshots from their website which will prove their crimes against me. I will be very specific with my CFPB complaint and I will not waste your time. I will only include the relevant details. I applied for a checking account and I was approved on XX/XX/2022. Albert XXXX was offering a {$500.00} bonus for new customers when I was approved. I met the requirements of the offer and they still refused to pay the bonus. I have included screenshots of the terms from XX/XX/2022. I met all of the requirements and Albert XXXX tried to avoid paying the bonus. Please stop Albert XXXX from taking advantage of their customers through false advertising. If you do your research you will see that Albert XXXX has a history of trying to scam their customers. 

I contacted Albert XXXX through their app on XX/XX/2022 and XX/XX/2022. They refused to provide any help to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX sent letter to borrower saying he was approved for a modification but did not provide any documents stating when he was to resume payment or what the payments will be. XXXX sent borrower a NOTICE OF DEFAULT AND INTENTION TO FORECLOSURE.

Company response to consumer: Closed with explanation