vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-06 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: Total Card, Inc.
State: NC

Complaint narrative:
I have an acct with Total Visa. I paid my balance in full and have not been able to use my card or log in to my acct online and when attempting to call them it is an act of congress to speak to a supervisor or someone in proper charge to resolve acct issues. This company now has this showing negative on my credit report. 

Below are reviews from other costumers from XXXX XXXX. 

XX/XX/2018 XXXX Cardholder They are not here to help, they are here to exploit the down on your luck type of clients. 

XX/XX/2018 Less than XXXX XXXX XXXX Cardholder I got this card to help build credit, but it has done absolutely nothing for me. They charge fees right off the bat, just to activate your less-than-average credit limit. I had a fraud charge, and they require a police report, affidavit, and notarized form just to investigate - don't plan on speaking to anyone about for at least two weeks, since they're so " busy ''. I highly recommend going with other available options for bad credit, avoid these guys at all cost. 

XX/XX/2018 XXXX Cardholder On XX/XX/XXXX, I made a payment with Total Visa for {$290.00}. I checked my account on the XXXX and the funds were there. I then went out to eat a few days later and my charge was declined. Luckily, I had other funds on my. I called and was told that my payment was placed on hold. I was upset because this is the third time, I had a hold on my account. I do not understand, because my payment has never been late, missed, and I always pay in full. 


Even when you pay your bill they make it hard for you to use your card and then report negivitve on your credit. I am asking for someone to help here as this company is taking advantage of customers and making it hard for customers to manage there acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian said that the system change my credit scores on it own but I was told by the mortgage lender since another mortgage lender just check my credit report on the same day XX/XX/2018 it wouldnt take no more points for. I had a month after the first lender. Both was done on the same day I lost 1314 points.Experian said they have no control of this but I didnt lose points like this with the other bureau. Then they remove XXXX XXXX that was in my bankruptcy made me lose points because when I call XXXX and ask why did they do that they said they didnt because its against the law since I was in bankruptcy. Experian said nothing they can do about it now because they cant see it on my credit report anymore.Last experian have about 5 credit cards that was in my bankruptcy that they are showing late payments I am out of bankruptcy and all that was in my bankruptcy supposed to be showing XXXX balance and no late history but experian said they will investigate this but this information is on my credit report that all those credit cards was in bankruptcy. What are they investigating? Out of the three I am only having these issues with experian and when I file a dispute it get worst. Please help

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 2018-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have a complaint with Chase Freedom credit card. I made a mistake with a payment I submitted on XX/XX/XXXX, and the payment was returned. As soon as I found out, I immediately called Chase to let them know. I called them to ask if the fees would be refunded since I was a long time customer and paid my balance each month. I haven't carried over a balance for a year or longer. I made another payment that was satisfied and clear my bank account. I noticed my available credit was a lessor amount. Today, XX/XX/XXXX, I called to inquire about the balance and payment. I saw the payment posted to my credit card, but was informed my payment was on hold. I continue to question why, if the payment posted to my transactions. I was informed my payment was on hold. The payment has posted to my checking account and to my credit card, but I can't use the payment I made on the credit card. I asked why, I was informed my payments would be on hold for four months because I had one returned payment. May I add, the fees were waived and credited back to my account. I was told the hold would be lifted after calling my bank to verify the payment, which I don't understand. They are holding funds they have posted to my checking account. I've checked my balance before submitting this complaint, but the payment hasn't posted to the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: MA

Complaint narrative:
Billed by second of two debt collection agencies retained by XXXX XXXX, XXXX. Membership was canceled with written notice via the terms specified by the club membership. XXXX XXXX XXXX  canceled billing agreement. XXXX XXXX continued to try and bill me after membership canceled. I owe nothing. They turned this matter over to a debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to XXXX, a credit card I don't even remember applying for, my application was denied by Experian for the following reasons : " You have filed for bankruptcy and your previous account ( s ) with us was including in that filing. This includes any of your accounts issued by XXXX, XXXX, such as XXXX, XXXX, store cards, or gas cards. '' * I never had credit account ( s ) to me recollection with any of the above-referenced vendors. Although I did file for bankruptcy on or about XX/XX/1999, that bankruptcy was long discharged and should have no bearing on current credit applications. 

*According the Experian Dispute Center there are, at least two,  completely misspelled aliases to my name that have nothing to do with my account, are not aliases I or anyone with my authorization have ever used in the past in any financial transaction, and are so off from the correct spelling of my name that common sense can easily see the difference. However, the Experian online dispute center does not allow my to dispute these obviously false aliases. 

*The Experian dispute center shows several hard inquiries, including a XXXX XXXX in XXXX XXXX I have never visited, never contacted, or ever done business with, and no credit inquiry was approved by me. The same is true for an auto loan from XXXX XXXX with whom my wife had a previous auto loan with which was a very negative experience. They are the last lender I would ever authorize to do a hard credit check on my account. 

The result of Experian 's false, misleading, outdated, and completely erroneous credit history provided to potential creditors is defamatory, and injurious to my efforts to establish legitimate accounts with potential creditors and actively preventing me from improving my overall standing with those I do have. Furthermore, the limited access they provide to consumers make it nearly impossible to dispute or get this erroneous information corrected. 

Sincerely, 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 2018-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
company failed to issue merchant credit made excuses when I called them im alleging deception

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: NC

Complaint narrative:
Debt not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I was promised a {$200.00} bonus for opening my 'Sofi Money ' deposit account. I joined a waiting list and awhile later I was sent an email telling me my account was opened. At that time, I went to the companies website and read their FAQ which indicated the bonus was still active for new accounts. I followed the terms in their FAQ ( depositing {$500.00} ) and after not receiving the bonus, emailed the company. They told me the bonus was discontinued and have refused to pay it. They have now removed this from their FAQ but it was there at the time my account was opened and when I made my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
An account was opened fraudulently in my name ( navy federal ) while I was overseas. The account was opened online. They did an investigation and still said I was responsible. Which I dont t understand if I was overseas. Plus my last known address in the states was completely different. Ive been dealing with identity theft for a long time and trying to fix everything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: Netspend Corporation
State: CA

Complaint narrative:
Since mid XX/XX/XXXX, I can not logon to my netspend account. 

I sent this e-mail to there " XXXX '' several times. 

" I can not logon to my account at -- https : //www.netspend.comXXXX --. 

I get redirected to a web page that displays -- Do you know that your XXXX XXXX is out of date? 
To get the best possible experience using our website, we recommend that you upgrade to a newer version of a web browser. Here are some recommended web browsers. 
Just click on the icons to get to the download page : -- I have -- XXXX XXXX XXXX -- and it will not expire for several more years! 

Please forward this to your IT Department to get this issue resolved. 

Thank you J '' I finely received a phone call back, telling me that they were no longer going to support -- XXXX XXXX XXXX -- but he would pass this on to upper management. Then I received this e-mail : Dear Cardholder, Thank you for contacting Netspend Customer Service! 

As discussed, I am sorry to hear that you are having problems accessing our website and I understand that you are frustrated and would like to file a complaint. 

Please be informed that beginning XX/XX/XXXX, our Online Account Center will no longer support XXXX XXXX XXXX. When you access your account online through XXXX XXXX browser, you will be redirected to a page asking to use a different browser. Supported browsers include XXXX, XXXX or XXXX. 

Also, I am going to send your complaint to my Manager, who will review it and forward it on if necessary. Someone from the corporate office will contact you directly within the next 2 business days. 

I apologize for the inconvenience this has caused you. 

Thank you for choosing Netspend. Have a great day! 

XXXX Customer Service Agent

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 2018-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
CCS FINANCIAL SERVICES , INC has reported an account that I am unaware of. They said they have verified the account but have not provided any actual proof that the account is mine. Without proper documentation - the original signed agreement - the company is required to withdraw their reporting inaccuracy by law. 
I am a litigious citizen and will follow through with my complaint by taking whatever path is deemed necessary. If CCS financial can prove that the debt they are collecting is actually mine, by means of an original signed document, I have no problem making a settlement. 
I believe this account to be fraudulent and without proof ask for all credit blemishes to be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax shows my credit rating today as down by 18 pts. Due to two hard inquires by XXXX   XXXX XXXX. I did not arthorize the inquiries and and I have not applied for a morgage or any other credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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:
I have an address XXXX XXXX XXXX. XXXX XXXX XXXX listed on my XXXX   and Equifax credit reports even after filing a policy report and calling the entire months of XX/XX/XXXX and XX/XX/XXXX they refuse to remove this address. Equifax has not update my credit report with any accurate information and refuses to remove a fraud account ( XXXX XXXX ). Dealing with this credit bureau has been a nightmare and I am a consumer who takes pride in having a clean and good credit report. I have filed police reports, Ive sent in countless pages of supporting documentation even a fraud license that had my name and the fake address listed on it!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MN

Complaint narrative:
I am writing in to complain about Receivables Performance that is listed on my credit and the original creditor is claimed to be XXXX, and claim is in the amount of { {$130.00} }. I am writing this letter to inform the individual ( s ) that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do not respond to my request by saying that these accounts have been verified. Send me copies of the original signed documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the signed verifiable proof that you have on file for each of the accounts listed within 30 days of receipt of this letter then you must remove these 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 2018-10-06 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:
I have an address XXXX XXXX XXXX. XXXX XXXX XXXX listed on my Experian and XXXX  credit reports even after filing a policy report and calling the entire months of XX/XX/XXXX and XX/XX/XXXX they refuse to remove this address. XX/XX/XXXX has not update my credit report with any accurate information and refuses to remove a fraud account ( XXXX XXXX ). Dealing with this credit bureau has been a nightmare and I am a consumer who takes pride in having a clean and good credit report. I have filed police reports, Ive sent in countless pages of supporting documentation even a fraud license that had my name and the fake address listed on it!!!!

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 2018-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
I've been monitoring my credit for several months and noticed a Rent Recovery Solutions, LLC just popped up and says its been in my credit reports since XX/XX/2018, but I've been monitoring my credit since XX/XX/2018 and never saw this until recently. They claim I owe {$5300.00} that I do not. Based on the extremely poor reviews online, I have opted to file this complaint here to ensure that I get a response, period, let alone a timely one. I've even seen someone online say that they were hung up on, so it is not the best company to be dealing with. I am, however, also disputing this false account via the credit bureaus. I am outraged that this has appeared on my credit reports. I demand that original documentation in its original form, bearing my actual, wet signature is provided to me. This is what is required under the FCRA, section 609. The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you must also provide the method of verification as required under Section 611 ( a ) ( 7 ). Moreover, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Therefore, if original documentation bearing my actual signature is given to me ( and I know for a FACT that I never signed a consumer agreement with Rent Recovery Solutions, LLC, then this false account MUST BE DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I payed a guy off of XXXX for a fortnite accouunt and i sent the money and never recieved the XXXX dollars back even though i recived no product i payed through paypal to XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Company is asking for over {$1400.00} Payments are 76 days passed due currently. In order to be able to afford my super high {$420.00} a month payments I had to switch car insurance from XXXX to XXXX. It took my entire paycheck to get the insurance switched. I had put in two requests for extensions which I have to put in the requests to even see how much it'll cost me. After submitting requests in order to check the prices on a one month and a two month extension XXXX then blocked me from submitting another request. I'm currently waiting on a payday loan to go through to pay for an extension. I want XXXX to drop my late fee charges due to hardship and want to be able to aquire a two month extension for {$250.00} in order to allow me to pay ahead. As I stated in a previous complaint I recently got custody of my XXXX year old daughter and I'm trying to get caught up financially. I was out of work for two months and am now a licensed health insurance agent with a decent job. If XXXX cant do this I want there to be a way to re-negotiate what I pay every month to lower it so I can get the car to good financial standing and not have this issue again. That car is my only means of transportation to and from work. Its also the transportation for my daughter to see her dad. I'm doing everything I can to get things back to where they need to be. If my dreams were to come true XXXX would put the total of what's due and passed due at the back of my loan and allow me to start fresh from 0 days passed due. Dreams dont come true though. My request for a two month extension at {$250.00} and all current late fees be dropped and my car not be put through the repo process I feel is reasonable. I'm getting on my feet again its just slow. At XXXX years old a repo on my credit would ruin me and I want to be a home owner someday. I know how my payments have been this passed year. I'm ashamed and embarrassed ive been out of work as much as I have. The current position I have is stable and I plan on getting things back on track but I need some assistance. If the car gets taken. I won't be able to work and XXXX wont be able to get paid.

Company response to consumer: Closed with explanation