vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I reviewed the letter from citi bank regarding my complaint : XXXX but some information in the letter is incorrect : I opened citi bank checking account thru online and entered all correct personal information and got approved and funds are transferred from my external bank to citi bank XXXX After around 10 days I did not receive my debt card I called citi bank and they checked my account and found the account address is wrong and they corrected my address. 

On citi bank response letter they mentioned I provided business address which is not true. I entered my home address ( not business address ) but when the address back to citi bank system the address showed incorrect. Citi bank need to check up their system why customer address showed incorrect even customer entered correct home address. 
Also when they decided to froze my account after account opened 30 days I called many times and asked the reason for closure as no notification provided to me for the froze but they did not tell me the reason. 
Since citi bank did not tell me what the exactly reason why my account got froze and only tell me it will take 30 - 60 days to get my account closed, I asked my external bank to help me get my funds transferred back because I do not want my funds froze by a bank for 60 days and I do not even know what is the reason. But citi bank rejected my external bank 's transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I am the XXXX who listed my clients property for sale in Maryland ( Mr. Cooper, a Texas based mortgage lender / servicer ) has the loan. Originally scheduled to close XX/XX/2021 ultimately closed XX/XX/2021. To date no disbursements have been made as Mr. Cooper will not provide a pay-off amount to the title company. Additionally, they told my client on XX/XX/2021 they would provide an amount but run it through XX/XX/2021 - a full two weeks after he has transferred the property to new owners. Mr. Cooper is non-responsive to email inquiries and initially told the title company it could take 4-5 business days ( which have now passed ) to provide the requested information. This foot dragging and non-responsiveness is costing my client dearly from his scant proceeds and I hope this is not because of his being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I keep getting harassed by Capital One. I got a ppp loan back in XXXX and at the time I was an employee of Capital One. Capital One along with Legal, Associate Relations, and Ethics and Compliance did a thorough investigation of my account records and determined that a ) I wasn't money laundering and b ) my PPP loan wasn't fraud. 
Then in XXXX Capital One placed a hold on my acct for the PPP loan which caused my acct to go into the negative. I spoke with someone who verified that an investigation was completed with Ethics and that she could remove the hold. 
Now in XXXX Capital One is calling me again about the PPP loan asking for the same documentation that was provided and telling me that they will place a hold on my acct and stop all debits.

Capital One is harassing me and creating unnecessary stress. 
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi I have some misinformation/old info on my credit reports. 

I would like for Also Known As to be removed because " XXXX XXXX '' is not my name and I never went by that name. " XXXX is my first name not XXXX '' I would also like for my Employment Information to be changed. 

XXXX XXXX is my XXXX  and I am the XXXX XXXX XXXX that is my current employer and my current position. I never had " XXXX XXXX XXXX  '' as my XXXX or my employer.

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 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I submitted a previous complaint ( XXXX ) I submitted proof these loans are closed and discharged 100 % and instead of actually fixing my report as they are required they said they will look into it and closed the complaint. No. That is UNACCEPTABLE. These items are incorrect on my report and need fixed NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harpeth Financial Services, LLC
State: MO

Complaint narrative:
I am about to file bankruptcy. I sent 4 emails to this company asking them to only communicate in writing. The first was sent XX/XX/XXXX, and then again on XXXX, XXXX, XX/XX/XXXX and again today. They keep calling, sometimes as late as XXXX. I mailed a letter to their office on XX/XX/XXXX as well. At this point, I am not answering but they have been asked several times to stop and continue to call

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: GA

Complaint narrative:
After reviewing my credit, I noticed Midland Credit Management placed a collection on my credit. I sent a debt validation letter on XX/XX/2021, immediately after noticing the collection. The letter sent clearly states the timeline in which they are required to respond, as per the Fair Debt Collections Practices Act. I followed up on XX/XX/XXXX, with a letter notifying them of their nonresponse and their responsibility to comply with the law regarding collections. Midland is now in violation of FDCPA rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE KNOWN AS A SUBSIDIARY OF JP MORGAN : FOR THE YEAR 2007 FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX. THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. 

PLEASE NOTE THIS IS NOT A DUPLICATE 1098,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: GA

Complaint narrative:
Hi I have some misinformation/old info on my credit reports. 

I would like for Also Known As to be removed because " XXXX XXXX '' is not my name and I never went by that name. " XXXX is my first name not XXXX '' I would also like for my Employment Information to be changed. 

XXXX XXXX is my business and I am the XXXX XXXX XXXX that is my current employer and my current position. I never had " XXXX XXXX XXXX  '' as my business or my employer.

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 2021-10-21 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: GA

Complaint narrative:
Hi I have some misinformation/old info on my credit reports. 

I would like for Also Known As to be removed because " XXXX XXXX '' is not my name and I never went by that name. " XXXX is my first name not XXXX '' I would also like for my XXXX XXXX to be changed. 

XXXX XXXX is my business and I am the XXXX XXXX XXXX that is my current employer and my current position. I never had " XXXX XXXX XXXX  '' as my business or my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Independence Capital Recovery, LLC
State: RI

Complaint narrative:
In the past 6 month I am currently receiving calls and notifications from the company : INDEPENDENCE CAPITAL RECOVERY LLC, with address in XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; name of the person is XXXX XXXX and phone number XXXX. 
This company is calling me every day and I told them to stop calling me or my relatives because I have a company in charge of my debits account. They continue with their threats to sue me, but in compulsive way and completely outside the legal norms. In these 6 month they have been contacting other people related with me, for example my Landor XXXX XXXX, my mother XXXX XXXX, my sister XXXX XXXX ; they are telling my relative that they going to sue me and giving these relative information about my personal information or at least informing them of my situation with that company. 
I have a company in charge of all my debit accounts XXXX XXXX XXXX and this company know, because they send to Independence Capital Recovery LL a letter with all the information 's and asking them to worked together about this account. 
I need your help with this because a didn't refused to pay my debit, but they need to worked with the company that I have in charge of my debit and STOP calling me or my relative.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
While living in XXXX california. I stayed in a shared apartment. At that time while I was at work the other guy name XXXX XXXX ( XXXX ) used my personal laptop which was in my room and collected all of my personal details which include my ssn, passport and my XXXX forms. I came to know about this after checking my credit history. he open my accounts under my name. he kept my id 's in opening XXXX, XXXX and in some financial online banking accounts. I lately came to know that many people got effected by this person XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: OK

Complaint narrative:
I have 4 collection accounts on my Equifax credit report from a company called XXXX XXXX XXXX DBA XXXX XXXX XXXX. I entered an agreement with XXXX to have these accounts deleted off my credit report since they were paid in full. XXXX sent me a letter that they have submitted for deletion to Equifax on all 4 accounts. I sent the letter from XXXX to Equifax myself showing them XXXX filed for deletion on the accounts. Equifax has refused to remove them even after 2 investigations and documents being provided to them from XXXX. All Equifax does is say they have updated the collection balance to XXXX and taken the letter i provided from XXXX showing they want accounts deleted and post it as my consumer statement and the accounts stay on my credit report. I have contacted both companies numerous times and gotten cooperation with XXXX but not with Equifax. XXXX has done all they can by providing a letter and submitting for deletion to Equifax with no results. I sent the same information to XXXX and XXXX credit agencies and they promptly deleted the accounts off my report with them. Meanwhile my credit score is severely affected while trying to buy a home for my family. Equifax has said my only option left is to contact CFPB and so that is what i'm doing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/21 my Coinbase.com account was illegally accessed and all my funds were withdrawn by a hacker. There are thousands of other people who have experieced the same issue for far more loss than I. The bad security allowed someone to gain access to thousands of accounts. My loss was less than {$3000.00} but they also gain access to my personal checking account to withdraw funds through Coinbase. They must be stopped please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to the CFPB ( # XXXX ) regarding a debt collection letter from Capital Management services . In that complaint, I referred to another debt collection attempt from a company called XXXX XXXX XXXX XXXX XXXX. That company failed to respond to my request to verify themselves as the legal debt collector. In response to my complaint with the CFPB, Capital One Management responded that they were the legal owner of the debt they were trying to collect. In XXXX of XXXX, I submitted a payment plan to pay off the remainder of the debt, biweekly at {$150.00}. I have kept my promise to pay since then. 

Today, I called Capital One Management to confirm the remaining debt owed of {$2300.00} which agrees with what I have calculated for {$2300.00}. In 16 more payments, this debt will be settled. 

During my research on improving my personal finances, it came to my attention that if a debt collector sold my debt, that debt becomes a tax write off for them. My continued payments on top of the tax write-off they already claimed is something they should not have received. A few months after resuming payments with Capital One Management, I noticed that they were no longer reporting my payments to the credit bureaus. 

Since XXXX, I have paid at least {$15000.00} towards this debt. Capital Management 's response to my CFPB complaint made it seem that this debt collection letter from them was the first time I was working with them in XXXX. That is not the case. I will attach a XXXX cancelled check with their endorsement on the back of the payment made to XXXX regarding this loan for what was a monthly payment of about {$200.00} a month. When I was unemployed, it was difficult to maintain payments until i got a steady job. It will be a screenshot. But if you need the encrypted PDF document I received from XXXX, I would be happy to share with CFPB. 

The previous reference number I had with Capital One Management was # XXXX. The active and current reference number they have assigned is # 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 2021-10-21 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I called this company and ask them if I pay this debt, they would delete it from my profile they said yes, I paid them and this was never removed from my profile XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: OH

Complaint narrative:
So FedLoans have said over and over that my XXXX form is complete and is pending final review. I submitted this information and documentation XXXX. It has been over four months of waiting! I was told by their staff that it would be processed in 2-3 months. I have completed the required payments and have worked at qualifying locations for the correct amount of time which has all been verified. There is no reason why this should take over 120 days to complete. Now they say Unfortunately the review is not being completed by us. The review is being completed by the XXXX XXXX XXXX ( XXXX ). We have to wait for their response. But when I contacted Federal Student Aid about it, the XXXX said We apologize for the inconvenience, but we are unable to perform you request, but considering on your information on Fedloan Servicing 's behavior and delays on processing your Loan Forgiveness, you may need to report the servicer 's suspicious activity via the XXXX Feedback System. I just want to have my XXXX XXXX XXXX XXXX approved in a timely manner. It has been almost five months since I submitted my XXXX Form in XXXX of XXXX. This needs resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE KNOWN AS A SUBSIDIARY OF JP MORGAN : FOR THE YEAR 2007 FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. 

THIS IS NOT A DUPLICATE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: DE

Complaint narrative:
My bank which is XXXXXXXX XXXX didn't honor a XXXX and XXXX dollar payment and because they didn't pay them as they should have this card company added XXXX dollars to my bill when the bill was only XXXX dollars went to XXXX dollars that I never used and the bill still should XXXX dollars they added the money the bank didn't pay to my bill which is crazy the credit limit is XXXX dollars how do I o them XXXX dollars when the bill is XXXX period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/20, I paid a credit card bill in the amount of {$55.00} and still had money remaining in my account- {$15.00}. Wells Fargo then charged an overdraft fee ( when I didn't overdraft ), causing my account to then be overdrawn.

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 2021-10-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a vehicle loan with XXXX XXXX, We reached a settlement and they told me once debt was satisfied they would delete from all 3 credit reporting agencies. I paid debt off and it's still showing up on my credit reports.

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