vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been trying to open a checking account and every time and every time I have been unable to open a bank account and I really need to open a checking account. I haven't done anything wrong to warrant this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I paid early, extra monies monthly and lump sums and NewRez, ShellPoint would not credit monies properly even reversing payment transactions and reapplying the monies ant later dates. This caused me to pay more in interest and hardship as in trying to pay off my loan early I keep running into these issues not knowing the correct amount I owe They constantly give me a credit for monies and then somehow increase my mortgage balance in the next line and then give me a smaller credit I reached out to them a couple times and got a run around was even told they were going to start a insurance policy because i was not covered which was not true. 

There is bad book keeping going on and it is so frustrating trying to get ahead when incorrect accounting on their part is holding me back I need help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/2020, the company TransWorld Systems opened a collection in the amount of {$540.00}. The account number is ( Account # XXXX ) I have never signed any written or electronic documents saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this alleged debt to this alleged company. 
Please have this removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-12-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Over the past year, I have been trying to get documented verification on the account associated with my name from XXXX XXXX XXXX. On XX/XX/2021, I had reached out to the XXXX major credit bureaus for assistance in verification. Even after providing proof, Experian advised that they would not be investigating this account because the company has verified the account to be accurate without any documented proof.

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 2021-12-21 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My credit reports shows my student loans being 60 days late which does not make sense because usually it goes from 30 days late to 60 to 90. Can this please be fixed. I am not able to have a good credit score do you this. Its on a few of my students Loans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: FL

Complaint narrative:
In XXXX of XXXX, I requested a new card from Destiny Mastercard and was told it would be sent to me. I had a XXXX balance at the time, and never received this replacement. My account stayed at a XXXX balance until this XXXX, now I am constantly being charged directly from my bank account from this bank and nobody will tell me why, or explain how I am charged this amount knowing they never fulfilled my request for a replacement card or made any charges for the entirety of the year. 

They are now harassing my work and home phone, randomly taking money from my account without any written reasoning, and asking for more money when remember, I have not had this card for over a year and they acknowledge I have not had this card nor have I made a single purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
For reasons that Chase bank can not " Reveal '' to me, they are putting a 10-14 day hold on my paychecks. I am employed by XXXX of the most recognized international XXXX  brands in the world, at a location that does well over XXXX XXXX a year in revenue, not to mention no pay check I have deposited in the last 3 months has ever been returned. In fact, I have never had a deposited check returned to this account. Each Time I deposit a check I have to spend at LEAST XXXX hours on the phone trying to get the check cleared. Most Recently, today I spent XXXX hours waiting for a call back, only to have to automated system hang up on me when it called me back, which resulted in me getting back in line for another hour and 25 mins, at which point I had to go to work. When I got out of work, I called again, was placed on hold for almost 2 hours, and then my call was disconnected because the call center closed at XXXX. 

Each time they place a hold on the check, they claim that they have " reason to believe the check will not be honored '' and each time it is honored. How long can they keep holding my money for? 

XX/XX/XXXX : {$760.00} 14 day hold XX/XX/XXXX : {$720.00} 14 day hold XX/XX/XXXX : {$390.00} 14 day hold XX/XX/XXXX : {$880.00} 14 day hold XX/XX/XXXX : {$430.00} 14 day hold

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CARD Corporation
State: TN

Complaint narrative:
ALL of my accounts, third party as well as online banks Have had me on some type of hold for years. 
Im a full time XXXX, so Im constantly being paid in any number of ways, weather its XXXX, XXXX, XXXX, cash, and quite often a check. 
And in EVERY app I have, whenever I try to deposit, it just says : on hold for check processing And because of this I end up having to lose that money all together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA COLLECTIONS Without any notice nor information about the claimed debt in the amount of {$460.00}, AWA COLLECTIONS reported a negative report on my credit claiming that it owed to XXXX XXXX. I called them up, where I I informed them that I never received anything nor debt validation letter. I also informed them that I don't owe the debt. I also, communicated with XXXX XXXX, whom could not give me reasonable cause. I also requested form XXXX insurance a copy of my policy to see if there is anything in there that might give the right to XXXX XXXX to charge any money, but XXXX insurance refused to give a copy as I requested on the phone on XXXX separate occasions. On XX/XX/XXXX I sent AWA COLLECTIONS a fax ( please see attached ) requesting them to stop the damages by reporting false claims and also in the same fax I gave them my Credit Card and gave permission to charge up to {$1000.00} to stop the damages and end their extortion. However, nothing happened. In XX/XX/XXXX I sent them an other fax of the same. At this time any person would see the reason that they are extorting me for an amount more than {$1000.00}. In addition, XXXX XXXX XXXX XX/XX/XXXX sent me a letter ( see attached ) showing clearly that the policy got canceled as of XX/XX/XXXX, thus no money is owed to XXXX XXXX. Both XXXX XXXX and AWA COLLECTIONS has not given me any reason on why the claimed {$460.00} is owed till this date despite my repeated requested for debt validation letter ( never sent till this date ). At his time and reasonable person will see thar I'm standing as a victim of an extortion game. This has damaged me in tens of XXXX of dollars, thus my attempt to offer upto {$1000.00} to stop the damages. Yet, as I informed both AWA COLLECTIONS and XXXX insurance of such loses, now they are holding out to extort more money ( unknown ). ( please see the attached fax and email to XXXX insurance )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX Chase Credit Card has flagged my account for the late payment. My XXXX payment is scheduled to pay on XX/XX/XXXX and there was no payment due when I checked the account. I never received any phone call, invoice from them stating that my account is past due. This account has been closed since XXXX and I've been making {$150.00} payment since then. 

XXXX XXXX payment history I've made all the payments on time it's showing as 85 % payment on time. My account is not delinquent. Also, I requested XXXX Chase XXXX to change my payment date multiple times toward the end of the month and it was never done. 

XXXX Chase XXXX informed that I am behind on my payments and they stated that because I owe {$150.00} on XX/XX/XXXX. I told the XXXX  that why are you asking for a payment in advance because the due date is so far. I feel like they have been pushing clients so much to collect a big amount instead on focusing on monthly payment and flagging the account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: CA

Complaint narrative:
My credit reports shows my XXXX XXXX being 60 days late which does not make sense because usually it goes from 30 days late to 60 to 90. Can this please be fixed. I am not able to have a good credit score do you this. Its on a few of my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX CARD 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 explanation
Consumer complaint received 2021-12-21 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Transunion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Transunion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX OF 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 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/2021, the company JEFFERSON CAPITAL SYSTEM opened a collection in the amount of {$1300.00}. The account number is ( Account # XXXX ) I have never signed any written or electronic documents saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this alleged debt to this alleged company. 
Please have this removed from all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX

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 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Manual payment of full statement balance made on XX/XX/XXXX for {$2200.00}. XX/XX/XXXX charged an additional {$1600.00}. Credit card balance now shows - {$1600.00}. Company admitted no fault citing auto pay of statement balance. However, statement balance at time of second charge was miniscule due to recent manual payment. Only fix action offered was refund check arriving at the earliest XX/XX/XXXX ( Time of complaint XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with JPMCB XXXX XXXX for many years. During our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I had a breakdown years ago, I was in a financial dilemma XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX son. As a result, XXXX of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
United revenue corp has reported to the credit bureau that I owe them money and thats not true! Its fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo closed my business account without notifying me or providing a reason why. I made payments EVERY single month. When I called the representative had a hard time finding my files. They refused to reopen my account and was very nasty and discriminated against me because of my nationality it was absolutely no reason for them to close my business account

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 2021-12-21 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX Chase Credit Card has flagged my account for the late payment. My XXXX payment is scheduled to pay on XX/XX/XXXX and there was no payment due when I checked the account. I never received any phone call, invoice from them stating that my account is past due. This account has been closed since XXXX and I've been making {$150.00} payment since then. 

Per XXXX payment history I've made all the payments on time it's showing as 85 % payment on time. My account is not delinquent. Also, I requested XXXX Chase XXXX to change my payment date multiple times toward the end of the month and it was never done. 

XXXX Chase XXXX informed that I am behind on my payments and they stated that because I owe {$150.00} on XX/XX/XXXX. I told the representative that why are you asking for a payment in advance because the due date is so far. I feel like they have been pushing clients so much to collect a big amount instead on focusing on monthly payment and flagging the account for no reason.

Company response to consumer: Closed with explanation