vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I entered into an agreement with this company that I owe {$80.00} per month starting XX/XX/XXXX. I paid the following : XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX {$5.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$20.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$5.00} TOTAL : {$80.00} I have actually paid {$10.00} toward XX/XX/XXXX.

I am NOT past due yet my account is marked as such and I am receiving emails stating that with no response. 

I have documentation from the Vice President of Compliance and President/CEO confirming the agreed upon arrangement of which I am in full compliance. 

This company previously charged off this loan with zero communication with me and I ended up proving I was in the right. This is another egregious error on OppLoans part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/2019 I sent LVNV Funding a letter letting them know that the information that was requested of them was invalid and that they needed to stop reporting negative information to my credit reports and the accounts should be closed and removed from my credit reports. LVNV Funding did not provide the proper proof for the accounts. They only sent me a print out of a bill, which is not valid proof of verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I sent this information to LVNV Funding and they continue to report negative information to my report and did not respond to my letter with the proper information, which is a continued violation of FCRA. Their reporting is a violation and continues to prevent me from moving forward with my life and preventing me from providing a better life for my family. Than you in advance for all of your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
AS OF XX/XX/2019 XXXX XXXX ORIGINALLY CREDITOR WAS XXXX XXXX XXXX REMOVED A CHARGE OFF OF {$380.00} AS WELL AS THEY ARE REPORTING AN INCORRECT ACCOUNT NUMBER OF # # # # # # # XXXX AND IN THE MONTH OF XX/XX/2019 IT WAS REINSERTED ON MY EQUIFAX REPORT I WANT THIS DELETED PERMANENTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-11-02 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: DC

Complaint narrative:
On XX/XX/XXXX Discover card mailed me a letter claiming that I received a 1099 C for the year ending XXXX, and to support their position, they reached out to a charge on the card - XXXX. Here 's the problem with their approach. 

1. The charge dates - fall in line with the time frame where I was living in Ohio on a work assignment. I've provided Discover with the documentation to support my residency status during said time frame. 

2. The XXXX location - a neighborhood location, and a lot less stringent on identity checks. 

3. The address - associated with my name - on the XXXX receipt - did anyone at Discover bother to stop and look to see how that address is a new one and, in no way associated with me, and never has been? 

I also recently learned that Discover responded to my latest complaint saying ( to no surprise ) that I am liable for this account for the following reasons : 1. They talked to me on a verified phone line - you did? Which number, because the number you claimed you used, I proved ot you that that number wasn't active during the time frame you claim this account was opened. 

2. It was sent to the address listed on the on-line application - Really? During the time when I was in the middle of the country? As proven by my signed lease from my landlord in Ohio? 

3. That the email address on the online application and the online pay center matches the email address used on this form. Really? Please provide a copy of the application, or provide the credentials to the online pay center that verifies your claims that my information was the information used. 

4. That you spoke with me about the account on or around XXXX. Did you? Using the same number that you claimed you verified - but, in fact was rendered inacctive? How do you know you were speaking with me? 

Here is what I'm requesting from Discover : 1. I'm requesting that Discover provides a copy of these documents they claim they have to support their claims. I plan to use these documents as part of my pending legal action against them. You've referenced them in a public forum, so it's clear you have them. 

2. I'm requesting a detailed description of the process you used to investigate the circumstances around this account being opened after I provided you with proof that my phone line - that you claim you used to speak with me - twice - was actually innactive.

3. I'm requesting that you remove the " disputed '' designation from XX/XX/XXXX.

Please provide me with these items within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
I got a loan from Balance Credit in XX/XX/2019 for {$600.00}. Ive been paying {$140.00} bi-weekly since XX/XX/XXXX. The interest rate is 558 % which I was not aware of. I have already paid over {$700.00} on the loan with 7 more payments due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I recently flew on XXXX XXXX and they were offering a special on the AAdvantage Aviator Mastercard that included XXXX airline miles and waiving of the {$95.00} annual fee for the first year. 

I took the brochure from the flight attendant but didn't want to complete the application ( including my social security number ) and hand it back to the flight attendant so I went online at home and processed my application on their website which showed the same offer. The offer did not require the application to be completed on the plane and I confirmed that with the flight attendant. 

I received my card in the mail today and gained online access to my account. It immediately showed an annual fee of {$99.00} ( higher than the {$95.00} advertised ). I called Barclays to request removal of the fee ( per the offer I was given ) and they told me that I was not eligible to have the fee waived since I had not returned my application to the flight attendant. 

I explained that I was concerned about identify theft and didn't feel comfortable sharing a document with my social security number with the flight attendant and was told that was the only way to receive the offer. 

To summarize, Barclays AAdvantage Aviator Mastercard 's offer to waive the ( now increased ) {$99.00} annual fee is only available if you are willing to share a document with all your personal information with a flight attendant on an XXXX XXXX flight.

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 2019-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
I paid my account monthly like I always do in XXXX and XXXX to Victorias Secret comenity bank. I Received a payment reminder in XXXX that the account is current and the minimum payment is due. Everything on my statement said my account was current. I received a phone call XX/XX/XXXX stating I haven't made a payment since XXXX. The electronic correspondence said nothing being past due. I Called to find out what was going on and the payment I made in XXXX was trying to pull from a bank that was not mine. I have no affiliation with XXXX XXXX. Therefore I would not receive a phone call from my bank to let me know because this bank is not mine. If any problems happen with my bank, XXXX XXXX, I would be notified. The person who took my phone call also thought this was odd and probably a mistake on their behalf and was going to put it into a dispute status. She never filed. I called to find out status of the dispute and the gentleman said it was removed and they would credit a late payment. Went to check my report 15 days later and it was not removed. I submitted another dispute. At this moment I have tried to dispute this 3 times and this last time actually made my report worse? They removed the 60 days past due in the second dispute and it reappears on the status today. This is an error on comenity banks behalf and there was no correspondence That my account was late. All correspondence up to XXXX statement said the account was current. I want this off my credit report for I find no error on my behalf. I was told on the first dispute it would be removed. After it was not as promised I have disputed three times. I have been trying to work on this for almost 75 days! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was on XXXX website on XX/XX/19 looking up tickets for XXXX to XXXX  and an American Express offer popped up that if I apply and get approved for the XXXX Skymiles card, I would get {$250.00} credit towards my ticket purchase if made within 30 days of account opening, also get XXXX miles if {$3000.00} in purchases was made within 3 months of account opening. I applied and followed the instructions on the prompt and was approved immediately with a welcome letter. I was given a {$9100.00} temp credit to purchase my ticket then and given my account number to use. I got the card in the mail with {$9100.00} credit line and spent {$270.00} in first month and paid that {$270.00} amount in full within 30 days. I never received the {$250.00} XXXX XXXX credit that was advertised. There were no further communications from XXXX or American Express concerning my credit card or the rewards being sent or not sent. When American express was contacted regarding issue via phone on XX/XX/19, I was informed that I wasn't eligible for the offer and they will investigate further. We were told the investigation # was Reference # XXXX / ID # XXXX. I never received any letter or indication on the prompts that I was not eligible for the offer, especially since they gave me the temporary card number and {$9100.00} to use for my XX/XX/19 XXXX  to XXXX ticket purchase. On XX/XX/19, I contacted American Express again and they had completed their investigation and said the same thing again. They could not provide me with any proof that I was not eligible for this offer, then why approve me? Over and over again from the American Express support reps I was told that it was probably because of another XXXX or Amex credit card I had in the past that is why I'm ineligible for a bonus, I have never had a XXXX XXXX credit card and I have had two American Express cards, one was my XXXX American Express which XXXX ended because they switched to XXXX and abandoned Amex a couple years ago altogether, and the other American Express card I still hold. My credit is excellent, over 800. I should have been shown a " Denied '' message during the bonus offer when submitting the check for eligibility but it never did that and everything showed that it was approve. My welcome letter received on XX/XX/19 indicated no such information of ineligibility, which should have been if the case was such so. This is false advertising and I was scammed into opening their card and paying a higher fee for the two airline tickets thinking I was getting credit when I could have bought with another airline for 25 % less. This is an example of bait-and-switch perpetrated by Amex and XXXX XXXX Amex are both profiting off of this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: OH

Complaint narrative:
On XX/XX/2019 I purchased a NETSPEND card and loaded {$100.00} onto it for paying bills. I have a XXXX XXXX XXXX with a XXXX XXXX who got ahold of the card and called the activation line he only gave them his name and hung up ( he is XXXX and doesnt understand mentally what he was doing ) .I called later that morning to activate the card gave them my social security number, Birthday etc and I was transferred to a customer service rep who stated that I had to email them a copy of my social security card and ID as well as my childs ss card and birth certificate and proof of address and they stated that the funds would be released within 6hrs. Instead they then requested the mother of my childs info so thought it was absolutely absurd but we complied.they wont except her Ohio state issued ID that she purchased that same day and they want court papers stating her name was changed except her social security number has never changed from her maiden name so we can not give them things that dont exist and they claim without it we can not get our money. Well first of all we dont understand why, how or if its even legal to do this because its not in her name in the first place, secondly they said if we provide proof of my identity that it would be released within XXXX I comply its accepted and they then want something else and the things theyre asking for are rediculous. It is now XXXX XXXX and my phone and electric are shut off because I can not pay my bill.Im XXXX and have XXXX XXXX children one whom is chronically ill with a XXXX XXXX and fluid problems in his XXXX he spends weeks and sometimes months in the hospital and this company has seriously caused us tremendous hardship. I have several emails to show the constant changes in whats required and I saw that the FTC has a lawsuit against them already for similar consumer rip offs.if you can please help me Id gladly share my experience with others to prevent this company in my oppinion scamming others I wish I had never used this service. It was the first and I assure you the very last time Ill be a netspend customer.thank you

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 2019-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: CA

Complaint narrative:
I was a member of Section 8 Voucher beneficiary under the County of XXXX XXXX in XXXX, California and also enrolled in one of their other program called FSS ( Family Sufficiency Program ). One of the goal of the program is to help members to become self sufficient again by obtaining a stable job and obtaining a decent house and be out of other Government programs and benefits. The program also requires member to get Financial and Credit Counselling in preparation for First Time Home Purchase. Last XX/XX/2019 I attended the Counselling/Orientation for First Time Homebuyer Program of NACA ( Neighborhood Assistance Corporation of America ) held in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. and I was registered as a prospect member with NACA ID # XXXX and was assigned to counsellor named XXXX XXXX, which I never neither met or have conversation. I filled up all the necessary forms of information and requirements about my case and housing situations. Since then, I have been in contact in them through emails and phone calls. I have gathered all my papers and documents ( Letter of Verification of Housing Assistance from Housing Assistance Office, Employment Verification, Pay Stubs, Bank Statement, Proof of Identity, Drivers License, Social Security and other Personal Information ). Last XX/XX/2019, NACA had its BIG EVENT held in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. I attended the finalize my first time Home Buying goal and to submit other requirements and meet a Counsellor. They had me log in the computer to finish my membership requirements through the members portal. Then had me sit and wait to meet a counsellor, the called me after more than an hour and took all my documents and information including Bank Account Number and Routing Number. But after sitting for an hour with her and providing everything, another Counsellor who just happened to walk in her desk just said my application is not going through because the program was SUSPENDED. And had me just walk away and leave the event. The counsellor just simply told me, GOOD LUCK AND KEEP IN TOUCH!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: TX

Complaint narrative:
On XX/XX/2019, I submitted dispute information to Equifax which included police report along with a copy of my driver license and Social Security card as identification. A week later I received a letter asking for these same identification items again. 

On XX/XX/2019 I submitted copies of the first police report with a copy of a new police report and again attaching my driver license and Social Social Security card as requested. 
On or about XX/XX/2019 instead of getting an update I once again received a form letter dated XX/XX/2019 ( attached ) requesting copies of my driver license and Social Security card which I just sent them a week prior. 

On the XX/XX/2019 I submitted a copy of my FTC Identity Theft Report ( attached ) with copies of my driver license, Social Security card and my most recent light bill only to get another form letter dated XX/XX/2019. ( attached ) instead of getting an update on my file. 

This is a ridiculous amount of times I have had to submit my identification only to have to produce it again and again when it is in their hands. I am a XXXX XXXX XXXX woman with limited income and resources to be able to provide these things. ( Attached is the FTC Identity Theft report with the two most recent form letters from Equifax both received within the past few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: FL

Complaint narrative:
loged in to experian.com and request to dispute it and this message keeps coming up even after I have called to verify my identity : Dispute Can't Be Processed Online For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you.

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 2019-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows.

Company response to consumer: Closed with explanation