vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
As of early XXXX, Chase online banking no longer works under XXXX XXXX XXXX, XXXX XXXXXXXX, or XXXX. XXXX 's newer OSs - XXXX and XXXX XXXX - won't run the music production software used by recording studios. 

I need to be able to access online banking on my desktop XXXX so I can print out my credit card purchases and business account information for doing my taxes. Chase bank quit sending paper statements a few years ago - not something I requested. I prefer paper statements for doing my taxes, but they don't offer it anymore, or if they do, they don't make it clear how to restore paper statements to my 4 accounts. Plus, I'll need paper statements from XX/XX/2021 through today. 

Chase is telling me, if I want to be able to do my taxes, I need to buy a new computer that I won't be able to use for my business of music production.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have begin to look into my credit as because I am at the age where I need to focus on my foundation, so I see things on there I have never had or thought I could have because of my credit, there is a depth collection company that I can't get intouch with because when u call their line it gose right to voicemail, the one time I did get an answer the guy was like, '' what are you calling me for. '' I have called XXXX and the customer service rep was like The account has been sold what do you wants us the account has been sold so you mean to tell me you cant tell me anything about this account in which I owe a bill for and they are the only one that has any record of such cause in 2016 of XXXX the XXXX I was released from XXXX  went to stay in XXXX GA, got a phn from XXXX XXXX XXXX, then from there boost mobile and have been with that company for going on 4 years. So how do I get. Somewhere with this, I have rights and I know that somthing can be done, I don't have anything to give to anyone I have not had A service from. I have disputed the debt 8 times, they take it off put it right back, something about the regulation, and pretty much I am responsible but there is no way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been a victim of identity theft for over 15 years, I contacted the credit bureau companies XXXX Experian and XXXX and provided police reports and filed disputes several times. These items are now charged off and have now adversely affected my credit. These reporting agencies refuse to remove these items. I am in the process of purchasing a major purchase yet these items remain on my credit file after years of disputing them. The following are some of the ones in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-06 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: MN

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Our mortgage was transferred to Shellpoint Mortgage, effective XX/XX/2021. From the time of receiving notice of the transfer from XXXX XXXX XXXX  to Shellpoint in XX/XX/2021 through the end of XX/XX/2021, we received no communication from Shellpoint. Even after calling repeatedly to ask where to send our mortgage payment and to confirm that our property taxes needed to be paid out of escrow on XX/XX/XXXX, we were told they couldn't help us because our mortgage didn't show in their system and probably would not show up until 10 days after the effective date of the transfer. It finally showed up in their system XX/XX/XXXX. However, our property taxes had still not been paid and we were by that time, in default. I notified them of this multiple times leading up to the due date and after. I also notified them of our upcoming insurance renewal on XX/XX/2021. I sent over our bills, called every single day for a period of 2 weeks and got NO help and no assurance. Finally, on XX/XX/XXXX they sent me a " payment history '' apparently showing that our property taxes and insurance had apparently been paid. But they could not tell me how they were paid or give me any sort of confirmation number. As of today ( XX/XX/2021 ) both bills still show as unpaid. I called our insurance provider who said they had still not seen anything from them. We are now sitting on unpaid property taxes and are greatly concerned that our homeowners insurance will lapse due to non-payment. Shellpoint does not answer any emails, is useless when you call, and refuses to help in any way other than pointing to the fact that they have some internal record that says they paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Collection Consultants of California
State: CA

Complaint narrative:
XX/XX/2021, I disputed 5 collection accounts with COLLECTION CONSULTANTS OF CALIFORNIA, I asked for proof to validated and verify the information reporting on my account. No proof was provided. XXXX deleted all erroneous collections from my credit report as a result. I now require XXXX  and XXXX  to delete the erroneous collections from my credit report immediately to prevent any further harm to my credit. I also require COLLECTION CONSULTANTS OF CALIFORNIA to cease any further inaccurate and negative reporting to my credit report as per FCRA. I have provided my full XXXX  credit report as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: CO

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a government ppp assisted loan approved by SBA. US bank received the funds from lender. The funds were made available by the ach department and available foe use I. My account all day. I went to the bank so that I could get a money order to pay Office rent. The branch teller required information about the loans which I gave. The teller placed a hold on the funds and put my account in the negative. Told me ach department had to verify the funds when in fact the ach department is the one who released the funds. I called customer service they were unsure why the hold was placed at the branch level but made available by the ach department. This practice of holding ach loans isnt listed in their fee schedule nor listed in the account. My loan was processed and approved by the sba government entity. I have payroll and office rent to finally pay but the bank wants to control the money. Us bank removed the funds from my account and I do not have access to the funds. They placed a 7 day hold which no one could explain why and was told to come back another day.

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 2021-05-06 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: IL

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX account shows mised payment on credit reports should be fixed asp fnd enclosed a letter from XXXX XXXX XXXX  says they sent credit reporting agencies message to fix the XX/XX/2021 missed payment all other reports are corrected but not transunion ..transunion still shows mised XX/XX/2021 payment on report.. 

Please fix the issue

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 2021-05-06 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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
This complaint is regarding my credit card account with Avant Card ending XXXX has a credit limit of {$500.00} with a current available balance of {$380.00} with a APR of 25.99 %. 

I have never missed a payment with Avant card ive always been excellent with them and overpaying. Currently they have my card locked and have had it locked since XX/XX/2021. 
I submitted a dispute on a charge in XXXX for a charge at the time that stated authorized charge pending for {$290.00}, they submitted my claim to fraud they shut down my card sent me a new one. After that point a week later the charges name appeared " XXXX '' I called avant and they informed me that I could call XXXX the representative gave me the number and told me if they do it will take 10 business days. I call XXXX they informed me it was something with a XXXX XXXX  XXXX  in New York & that no dispute had been submitted but once my credit does submit it, they will send in everything to prove I did not rent a vehicle nor picked up a vehicle with a XXXX XXXX  XXXX  in NY. 

I also informed them I am in Florida how would I be renting a car in New York and they could see all my purchases at XXXX XXXX, XXXX, my XXXX  purchases. 

I received a call from someone name XXXX from fraud saying my case was being transferred to the dispute center and, it would be assigned to a rep named XXXX and gave me his phone number. 

On XX/XX/2021 Avant card closed the dispute and posted the funds into the card in the amount of {$290.00}. I went to use my card and it was declined so I call them and they inform me that my card is locked. No one can give me reason why or I have spoken to over 7 managers in XXXX alone. 

I received a phone call on XX/XX/2021 at XXXX XXXX  from a manager named XXXX after pleading with a rep to please have a manager call me because they stated their was no managers available to take my call. 
She informed me in the next 2 business days my card would be guaranteed to be unlocked " perfect '' I replied. 

We are now on XX/XX/2021 and my card is still locked I tried doing a purchase and again declined at this point I do not know what is going on and I am not getting correct answers from anyone in that company. 

Please help me correct this issue with this company it has been well more than allotted time that is mandated. 

I have attached 5 pictures from the beginning of when it happened then, when they posted the funds back on the account and, then the following of them having the card locked. I did include payments and still outgoing payment promised to them on autopay without me even be able to use my card. 
You will also find the incoming call from the rep XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: TX

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: MS

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: TX

Complaint narrative:
I have been a victim of identity theft for over 15 years, I contacted the credit bureau companies Equifax, XXXX and XXXX and provided police reports and filed disputes several times. These items are now charged off and have now adversely affected my credit. These reporting agencies refuse to remove these items. I am in the process of purchasing a major purchase yet these items remain on my credit file after years of disputing them. The following are some of the ones in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation