vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I was charged more than 30.00 Us dollars from the " Banco Popular de Puerto Rico '' for a transaction that was not supposed to be posted on XX/XX/19. 

I had called the " Banco Popular de Puerto Rico '' to solve the matter, they did not want to listen nor help me.

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 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received a 1099-C notice on XX/XX/XXXX forwarded to me from the current resident of an address that I no longer live at regarding a debt of {$2000.00} for a credit card that I've never applied for or possessed. I believe that this is a result of identity theft. I filed a claim with their fraud department, under case # XXXX. Multiple attempts were made to follow up on the claim in XXXX & XXXX with no response. 

Today XX/XX/XXXX, I've received a response stating that payments were made and statements were mailed to me. Bank of America could not have mailed anything to me. As this is the first time I'm ever receiving anything from them regarding a debt, and they even sent the initial correspondence to an address that I haven't lived at since XXXX of XX/XX/XXXX.. 

I have never made a payment on this card that they say that I have. They've also refused to provide me other information regarding the account, that would assist me in further disputing this fraudulent account. Attached is all of the correspondence that I've ever received from Bank of America.

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 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Re : First National Bank of Omaha XXXX XXXX Credit Card Annual Fee. 

On XX/XX/2019, around XXXXXXXX XXXX Pacific time, while making the monthly payment for the XXXX XXXX charge card issued by First National Bank of Omaha, I notice an annual membership fee of {$19.00} posted on XX/XX/2019 ( see attached statement ) to my account. The membership fee was for the coming year. It was too late to call the bank ( headquarter in Nebraska ) to discuss this charge, so I made the call on XX/XX/2019, around XXXX XXXX Pacific time. 
Spoke to the customer service representative on XX/XX/2019, explained charge on my statement and her to cancel my charge card and refund the membership fee. She put me on hold to speak to a supervisor and came back to me and said that they can cancel the card but can not reverse my membership fee. Then I explained to her that the fees charged was for the future year and as I do not want to use the card I should not be charged a fee for a service that I do not want. She replied that there is nothing she can do. Next, I asked to speak with a supervisor and the customer representative said that the supervisor is going to say the same. I insisted that I talk to a supervisor and after being on hold for about 5 minutes I was connected to a supervisor named XXXX. I explained to her that I notice this fee posted to my account, on XX/XX/2019, while making my payment on XX/XX/2019. Also, I told her that it was within 30 days of the charge being posted on my account and I should have the option to cancel the charge card and not be charged an annual membership fee. She said that she could not reverse the fee. As I realized that I was not getting anywhere with her and she was oblivious to reasoning. I asked her to cancel my card as of XX/XX/2019, and decided to seek your agencys help. 
This kind of strong-arm tactics by financial institutes and/or by their staff should be curtailed. They know that they hold our credit future at ransom, thereby refusing to listen to reasoning and use common sense. Most financial institution are professional and do try to work with the consumer to address their grievances. It is in my opinion that I think that as a consumer I should have the right to dispute a charge within a reasonable time, in this case approximately 11 days, and not pay for a membership I do not want. Please look into this illegal charge and hopefully come up with a favorable outcome.

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 2019-04-02 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: MOHELA
State: OR

Complaint narrative:
Mohela/XXXX XXXX XXXX is reporting a late on my account. I have never been late on this account. At this time my account was in deferment. I did not realize this late was on my credit until I checked my credit file. This late on XX/XX/2016 is inaccurate and needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I called the financial company XXXX XXXX, and I was told to go and get a police report and contact the credit bureau and send it into them and they would look at it, I feel the I never went into this company to apply for anything, so why should I go around and get what ever they need, no one should of been aloud to come in their company and apply for a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc.
State: NJ

Complaint narrative:
There was a fraudulent private student loan taken out under my identity. I filed a police report and the investigator confirmed it was identity theft. I notified the creditor " XXXX '' and the XXXX credit reporting companies but nothing was done until XXXX after the credit repair company I hired sent the credit reporting companies the police report did they remove it from my credit report. After it was removed, creditor XXXX sold the loan to debt collector National Enterprise Systems even though they were fully aware I didn't acquire the loan. I advised National Enterprise Systems to provide me evidence that I owned the loan. The promissory note they emailed me indicated they forged the document by adding my name and other information using a pen because the form was barely readable. The promissory note also has the wrong birthday and social security number. I was then notified this morning XX/XX/XXXX that National Enterprise Systems reported the fraudulent student loan to XXXX with an additional {$100000.00} added to the original amount it was reporting.

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 2019-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Common Wealth financial services is trying to collect a debt that was closed out twice. They purchased the closed debt, and are now trying to make money off the closed account. I would like this account removed from my credit report. This should be labeled as fraud, and against the law. I would like a file taken out on this company, and their unfair, and unethical business practices. I will continue to fight this, and file complaints up the echelon of governing bodies until someone looks into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In XX/XX/XXXX, my credit report was accessed by XXXX XXXX XXXX. I did not give them written notice or authorization to pull my credit report. They assert they did not request the credit report. But, Trans Union does show they pulled my credit report. The result was that my credit score dropped XXXX points. Then, the same company, XXXX XXXX XXXX, experienced a financial loss and was unable to pay their employees and their independent contractors for 6 months. I am one of the former independent contractors who was not paid until XXXX of XXXX. My credit scorXXXX dropped another XXXX points because I could not pay my creditors. I am working on getting my creditors paid to be current, but this illegal pull of my credit report is still having affects on my credit. Trans Union refuses to investigate why my report was pulled without my authorization, and they will not give me the name or names of the people who pulled my credit report from XXXX XXXX XXXX I want to pursue the person or people legally that did this illegal act. 

One credit card company pulled my credit line in XXXX of XXXX, saying I was a credit risk. They reduced my line of credit from {$5000.00} to {$1800.00}. This affected my debt ratio because it increased my utilization from XXXX % to XXXX %. 

Then, XXXX XXXX  XXXX did not pay me for four months. I used my savings to pay my bills until I ran out of savings in XXXX of XXXX. Then, I did not pay any creditors. I contacted all of my creditors. A few agreed to work with me. But, most did not because on my credit report, it showed I was a risk due to a sudden change in employers. This implied I was fired. 

I WAS NOT FIRED. XXXX XXXX XXXX, here in XXXX XXXX, did an expose on XXXX XXXX   XXXX. They are currently under investigation by state and federal agencies for their embezzlement of state funds, their outright lies about state claims being denied, and their involvement in questionable loan companies.

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 2019-04-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX This account does not belong to me and should be removed from my credit report immediately.

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 2019-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
Advantage Financial Services in XXXX ID had sent me a letter stating that I owed XXXX XXXX XXXX money and that they were asked to collect. I informed Advantage Financial thru email on XX/XX/XXXX as well as faxes and phone calls that I had paid XXXX XXXX in full ; I supplied copies of my bills from XXXX XXXX, my EOB 's from XXXX XXXX as well as canceled checks showing them that I had paid this bill in full. XXXX XXXX  says that I owe money from XXXX but according to XXXX XXXX it was past the date allowed to be filed and that I didn't owe this money in the amount of {$220.00} from service dated XX/XX/XXXX because they didn't send me a bill XX/XX/XXXX I don't feel that I owe this money. I had sent everything that I am sending to you to Advantage on XX/XX/XXXX and because I never heard from them I was under the impression that this matter was settled now here I am in XXXX and they are still showing this amount due on my credit report and calling me over a year later since I sent them the information even though they have NEVER sent me anything in the mail stating that I still owe this money since XXXX. I have tried emailing them again on XX/XX/XXXX with this information but still have not heard anything from them, I don't think that they have even looked at what I sent!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
It started with a charge from from XXXX. ( XX/XX/2015 ) I sent two phone back to them because they were damaged. I paid my insurance deductible and sent the phones back Via the postal backs they supplied. At first they said they got them, then they sent a bill for them as not turned in. For years we when over and over about this to where a XXXX XXXX bill is now XXXX XXXX dollar bill. 
The fact of the mater is that some miss place or taken the two phones we sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
A year ago, my husband XXXX was diagnosed with XXXX XXXX XXXX XXXX   XXXX. 
We have worked long and hard to build an exemplary credit history and had a strong credit score of XXXX. We had no late payments and no negative reports. As part of my husbands preparation for treatment, knowing that he wouldnt be able to manage our finances regularly, he set up automatic payments on our {$4500.00} Chase credit card debt, amounting to {$150.00} per month ( above the minimum ), to continue until he was able to return to health and make further arrangements. 

Unfortunately, without our knowledge, interest on our debt increased and our pre-arranged payments no longer covered our monthly obligation. Thirty- and Sixty days late charges began to accumulate, and as a result, our credit score dropped to XXXX. XXXX XXXX recorded our dropping score, but didnt reflect any issues with Chase. The cause of the decline was, at first, a mystery. 

As soon as we learned about this situation, just over two weeks ago, we called Chase to resolve the issue and make arrangements to pay off the balance. We were told the debt was out of their hands and had been sent to collections. 

We spoke to our local branch manager, Mrs. XXXX XXXX, who understood our situation and attempted to solve the problem. She explained our predicament to a relevant supervisor, only to face the same response : We cant do anything. 

Though we can provide proof that we never missed a payment, our credit remains severely damaged. Again, our credit shows no late payments. In fact, our credit report shows no late payments from any of 15 other creditors. Only an insane person would pay everybody else and disregard one creditor. After working years to establish perfect credit, our compromised credit score means we can not refinance our home or pursue our life plans. The direct impact on our lives, however, is far more fundamental. 

Our efforts toward establishing perfect credit are part of our dream to establish a family. I have recently found out that I cant have children of my own. We have been working with the XXXX XXXX XXXX XXXX in XXXX XXXX to XXXX a child, that is my life long dream. I was born in XXXX as my father was U.S. Military and my mother XXXX. This low credit score will disqualify us from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: CA

Complaint narrative:
XXXX XXXX  this account is reporting inaccurately. This account does not belong to me and should be removed from my credit immediately. It knows that it has reported false information that why it has stop reporting information as of 2017. 

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 2019-04-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XX/XX/2018, my XXXX XXXX account was charged off due to having some personal issues. While the account status on my Experian shows " charge-off '', and " closed '', it is still reflecting a balance and continues to show my payment history as current and " CO  ''. The balance should be at a {$0.00}, and they should have stopped reporting " CO  '' on my credit report as of XX/XX/2018 when they charged it off. The account has already been given to an outside collection agency, and I have disputed this more than once for XXXX XXXX to correct 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 2019-04-02 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: CA

Complaint narrative:
This account is not mine. Experian has placed this on my file and has serious affects on my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 

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 2019-04-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
A year ago, my husband XXXX was diagnosed with XXXX XXXX XXXX XXXX  XXXX. 
We have worked long and hard to build an exemplary credit history and had a strong credit score of XXXX. We had no late payments and no negative reports. As part of my husbands preparation for treatment, knowing that he wouldnt be able to manage our finances regularly, he set up automatic payments on our {$4500.00} XXXX credit card debt, amounting to {$150.00} per month ( above the minimum ), to continue until he was able to return to health and make further arrangements. 

Unfortunately, without our knowledge, interest on our debt increased and our pre-arranged payments no longer covered our monthly obligation. Thirty- and Sixty days late charges began to accumulate, and as a result, our credit score dropped to XXXX. XXXX XXXX recorded our dropping score, but didnt reflect any issues with XXXX. The cause of the decline was, at first, a mystery. 

As soon as we learned about this situation, just over two weeks ago, we called XXXX to resolve the issue and make arrangements to pay off the balance. We were told the debt was out of their hands and had been sent to collections. 

We spoke to our local branch manager, Mrs. XXXX XXXX, who understood our situation and attempted to solve the problem. She explained our predicament to a relevant supervisor, only to face the same response : We cant do anything. 

Though we can provide proof that we never missed a payment, our credit remains severely damaged. Again, our credit shows no late payments. In fact, our credit report shows no late payments from any of 15 other creditors. Only an insane person would pay everybody else and disregard one creditor. After working years to establish perfect credit, our compromised credit score means we can not refinance our home or pursue our life plans. The direct impact on our lives, however, is far more fundamental. 

Our efforts toward establishing perfect credit are part of our dream to establish a family. I have recently found out that I cant have children of my own. We have been working with the XXXX XXXX adoption agency in XXXX XXXX to adopt a child, that is my life long dream. I was born in XXXX as my father was U.S. Military and my mother XXXX. This low credit score will disqualify us from adoption.

Company response to consumer: Closed with explanation