vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
Veteran 's United has lied to me directly as a seller, and lied to their customer as the buyer about closing on a property. These lies were open and recorded. Basically, Veteran 's United XXXX XXXX XXXX XXXX XXXX did not want to do his job properly, and instead of being honest about it, he lied to me, the buyer, and everyone 's agent. The issue with the dishonesty is the magnitude of the sale -- this was a mortgage. Dishonesty in these processes creates damaging affects on communication, and since Veteran 's United works with veterans ( I am a XXXX XXXX totally and XXXX  XXXX XXXX  ) and their families, such dishonesty can cause serious and deleterious affects for those involved. And this is not a " lack of communication, '' this is a direct complaint that the company is openly lying to customers and then trying to strong-arm those that try an reconcile such complaints with repugnant customer service conversations about " ethics, '' which have no real value or legal precedent. I am XXXX. The buyer is a widowed mother of XXXX. All I wanted to know is why we could not close before the holidays. I had spoken with the title company and everything was sent to XXXX by Monday, XX/XX/XXXX XXXX  I spoke with XXXX about this, and he lied to me, saying it had something to do with double-checking the closing costs. That was nonsense. Today, XX/XX/XXXX, XXXX came across with the line that closing could not happen until he received the explanation of a gift -- this was emailed to him on Monday, which can be confirmed by the title company, XXXX XXXX XXXX. XXXX used this lie to try and present himself as someone who simply " can not '' perform his function, which, again, was not true. He disparaged the name of the XXXX XXXX XXXX, and he lied openly to me and his client ( I have texts confirming this ). The company 's response to my involvement as the seller was to call me and try and convince me ( a XXXX ) that seeking resolution to the lack of integrity their organization shows its customers and business partners, was that it was unethical for me to be a part of the conversation. Veteran 's United is lying to their customers, and then trying to make anyone who holds them accountable for their obligations as a lender ( i.e., integrity and ethical actions ) feel as if they have done something wrong. If this company will lie and then try to defend such blatant unethical behavior and then try and preach " ethics '' to other ( not ethics in any way, just what they would prefer ), then there may be no end to the lawlessness and harm they could cause their customers, who are primarily veterans, like me. The conversations with the closing team, their resolution team, and the entire process of trying to make sure they are doing their jobs, which they are not, had caused serious mental and emotional strains on me, and can not be continued to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX had a judgment entered against her on XX/XX/XXXX for {$1900.00} in favor of MRC Receivables Corp. We have been trying for weeks to get a hold of someone at this company to secure a pay off letter to pay off this judgment so she can sell her property located in XXXX XXXX Virginia XXXX 
I am XXXX XXXX XXXXXXXX handling the sale of her property. 
There does not seem to be any contact information for MRC Receivables Corp on line. I believe they are a XXXX  corporation. I also think their parent company is Encore Capital Group. I can not get a hold of anyone there and other subsidiaries of that entity have no record of this debt. We need a pay off letter, good thru XX/XX/XXXX so she can sell her house on XX/XX/XXXX XXXX per her real estate sales contract. 
Can you assist? 
XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX or Cell XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: TX

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX 

XXXX 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 2022-11-22 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: TX

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX. 

XXXX 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 2022-11-22 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: CA

Complaint narrative:
On XX/XX/XXXX, I made a payment for {$8900.00}. My student loans were transferred to Fedloans on XXXX, XXXX, I emailed XXXX regarding refund for COVID-19 payment made and was provided with reference # XXXX. On XX/XX/XXXX, I requested a full refund for payment made during COVID payment pause to Fedloans. On XX/XX/XXXX, I spoke with a Fedloans PSLF specialist and provided them with the reference # XXXX case number ; I was informed the refund request was processed and to expect a full refund first week of XX/XX/XXXX,. 

On XX/XX/XXXX I also received a letter that my loans were forgiven through the PSLF program. 

XX/XX/XXXX, I contacted FEDLOANS again, and was informed the refund request showed it was processed on XX/XX/XXXX but was later cancelled. No reference number or date of when this request was cancelled. When asked who cancelled the request, I was told, " The system does not provide this information, but you should have received a letter to your Fedloans message emails. '' I explained I had not received any communication of the refund being cancelled and asked they look it up on their end. The customer support representative checked the account and was surprised to see no letter/communication of the refund being cancelled was sent. 

My loans were forgiven and refund was not processed and the customer service representative stated I needed to call my loan services. I explained to them there is no loan to be serviced and asked which servicer I needed to contact. Needless to say, I was not provided with clear, concise information and I am still owed a refund for the amount of {$8900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I receive mail from Spring Oaks Capital LLC a debt collector for XXXXXXXX XXXX XXXX I notice on my credit report that I have no balance for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: TX

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX XXXX XXXX A 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 non-monetary relief
Consumer complaint received 2022-11-22 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: TX

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX XXXX XXXX A 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 2022-11-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX & XXXX : # XXXX, XXXX  XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: MI

Complaint narrative:
I contacted Online Information Services, a company based out of XXXX, NC, XXXX. This is about a debt from XXXX XXXX dating back to XXXX, after which services were switched at the home to another person residing in the home. I contacted the debt collection agency to explain that XXXX  XXXX states after 6-7 years of being on my credit that this debt was to be taken off. They replied that the account was closed in XXXX by XXXX XXXX Then they proceeded to tell me someone was paying XXXX XXXX  after XXXX on the same account that belonged to me and thats why it was still open. I told them i need paperwork showing the payments and how the payments were paid because i have no knowledge of how it was paid. I needed to know who was paying on the account after XXXX & why because it wasn't me. And if there was a person paying on the debt why is it still $ XXXX? The exact same amount that was left in XXXX when services were switched. In their own words they stated i am responsible for the balance of $ XXXX. Yet somehow some person somewhere was paying on the account until XXXX. This literally makes no sense this account only switched to being closed in XXXX when i disputed it online. Seems like they are purposely dating information wrong to keep old debts current to obtain money. When she stated she could not give me anything to help figure this situation out. i responded with I need this info to pass onto a lawyer and the person told me to give them the lawyers info and when i declined she hung up on me. They have information that could lead me to whomever kept this account open until XXXX and refuse to give me any help. XXXX XXXX told me that after 90 days of non payment they send it into collections. So based of what i was told the account with consumers should have been closed when it was sent to them over 7 years ago. Looks and sounds like a scam on multiple levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased an outdoor patio set on XXXX XXXX on XX/XX/2022, in the amount of {$49.00} from an advertisement claiming to represent XXXX XXXX. Shipping was to be delivered between 3-7 days. I began to become concerned after XXXX removed the merchant advertisement, several days later due to fraudulent activity. I tried contacting the merchant. The telephone number was from another company called " XXXX '' in California and was disconnected. I never received a confirmation order or tracking number. Today is XX/XX/2022 and I have not received any merchandise to date. I filed a dispute with Chase : my bank, however, Chase declined my dispute. Upon requesting a reason I was told that their decision was based on the Merchant providing a tracking number. However, Chase will not provide me with the tracking number or documentation based on their investigation for at least ( 10-20 business days from today ; XX/XX/2022 ). This has caused my account to be overdrawn and has caused hardship for my family at a time when we are recovering from XXXX XXXX 's extensive disaster damages. ( XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX ) We contacted our local Post office to find out if there had been any undeliverable packages to our address and we were told that there is no record of any packages delivered or returned from my home address ( which is the same address given to the merchant and the same address on file with my bank, Chase ) XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX. We also contacted XXXX and XXXX for possible returned packages and received confirmation from both that there is no record on file for any large deliveries received or returned from our address. This package would actually be quite substantial in terms of weight, length, and height as this is a completed 8-piece Alumnium Outdoor furniture set with cushions and a fire pit. Please see attached images of my order taken from my cell phone. I also contact XXXX XXXX he they have advised me that they do not have any affiliation with this merchant and that the merchandise is not and has never been part of their inventory. I believe the bank has made a decision without actually verifying if in fact, ( a ) the tracking number is valid, ( b ) any weight or height declared of the delivery, ( c ) if the package was ever delivered to my correct home address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: TX

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX  XXXX XXXX A 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 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On my statement from this company, they referenced " counseling services ''. That language was offensive to me because I was raised to believe only people with some sort of problem needed counseling, they should not be implying that I need counseling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
DeaXXXX XXXX XXXX XXXX, My name is XXXX XXXX, contact details : XXXX, XXXX. 
I kindly request your assistance on the following matter. 
My USD XXXX transfer made on XXXX XX/XX/2022 from a broker organization ( XXXX XXXX XXXX  in XXXX, where I bought some USD at the trade market ) to local Citibank branch in XXXX got suspended in correspondent bank which is Citibank NA ( XXXX ). XXXX tracker shows status that the payment was rejected the same day ( XXXX XX/XX/2022 ), however it was not returned to a sending bank ( XXXX XXXX XXXX in XXXX in this case ). 
As per my request, sending bank ( XXXX XXXX XXXX ) initiated a request for search and refund of the payment, on XXXX XX/XX/2022. However, the money still have not been returned. 
I tried to contact both Citibank in XXXX and in XXXX. Citibank XXXX ( which I am client of ) has not seen the incoming transaction at all. Citibank XXXX, which I tried both calling and contacting by e-mail, refused to assist me, and redirected me back to sending bank, which already initiated the investigation/refund request on XXXX XX/XX/2022 but has not seen any response from Citibank since XXXX. 
It's been already more than a month since outgoing transaction was made, and the funds are still beeing held by the correspondent bank, despite they almost immediately rejected the payment. 
I kindly ask you to facilitate the refund of my money to the sending organization. 
Please see the XXXX number of the transaction : XXXX, and I am also attaching the outgoing SWIFT message for XXXX reference. 

Sincerely hope for your help, XXXX regards, 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 2022-11-22 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: MD

Complaint narrative:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the 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 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
on three separate occasions I tried to pay milestone the amount I owed. they took the money but then said its an invalid account number. they then proceeded to charge me interest fees and late fees even though they failed to take the payment. when I had the money to pay they didn't take it and now they expect me to pay almost XXXX dollars after I tried to pay them on the correct date. I've called them multiple times about this issue and one time they even accepted it, XXXX out my account and closed my account. after checking back however I see that they reversed that action and are expecting me to pay in full what I tried to pay when I had the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: NJ

Complaint narrative:
Dear XXXX, EQUIFAX XXXX, XXXX XXXX XXXX  There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting the the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XX/XX/2017, XXXX XXXX XXXX  XX/XX/2017 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
*** ( Please be advised this complaint is for FAILING TO NOTIFY ME OF REINSERTION OF A PREVIOUS BLOCKED ACCOUNT*** Please do not over look this issue as you did in my previous complaint Experian has failed to notify within 5 business days of reinserting previous deleted or blocked account information for the account listed XXXX # XXXX ( VIOLATING THE FCRA PART ( A ) ( 5 ) ( B ) ( ii

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 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: CO

Complaint narrative:
Approximately 4 months ago I was suddenly unable to access my online or mobile checking account at Regions Bank. I have had the account for over 50 years. Since then I have called Regions at least 10 times without success. The attached letter will give detailed information.

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