vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-16 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: GA

Complaint narrative:
I am a XXXX hurricane disaster victim that has struggled to get back to normal since XXXX. I will be charged a late fee of {$37.00} on my credit card at the closing of my billing cycle, which is XX/XX/XXXX. I was not aware that First National Bank of Omaha ( XXXX XXXX  XXXX ) strictly required a payment to be paid via central time on my due date referencing my credit card. I have taken immediate steps to eliminate the problem via starting to pay my credit card bill online with a scheduled payment, but the banks website does not update immediately for me to perform this simple action that is a hindrance. Therefore, I would like to respectfully request an adjustment of {$74.00} be returned to my credit card and ask that First National Bank of Omaha ( XXXX XXXX  XXXX ) credit card department try to understand that a disaster does cause people to have struggles in life that are natural in occurrence and I am most certainly not just simply a customer that do not pay their bills on time. 

I also set-up auto pay to eliminate any further late fees, which took 30 days to set-up by First National Bank of Omaha ( XXXX XXXX  XXXX ), and my account incurred an additional late fee of {$37.00}, simply shocking! The customer service agent said I was read a disclaimer which I did not completely understand because the agent spoke in English and not XXXX, meaning some things I understood and some I did not. 

My GOD, where is the humanity here? There are some moments in time ( disaster victims ) need help beyond the norm, especially when First National Bank of Omaha ( XXXX XXXX XXXX ) know that disaster victims do not have any control over a natural occurrence of nature and the disasters made headline news. All of my creditors worked with me, but I have concluded that First National Bank of Omaha ( XXXX XXXX XXXX ) is " HEARTLESS. ''

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 2018-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Hello. I recently sent a dispute to American Express Bluebird regarding unauthorized ATM transactions. They said they havent received my dispute letter. So I will send it through CFPB so I know they will receive it. Im missing around $ 3,000+ In my account. Im attaching the letter I sent. The transactions Im disputing are in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: GA

Complaint narrative:
I have a loan with KOHLS/CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and KOHLS/CAPITAL ONE with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery get information from other company 's records that are no longer in use, records that have been filed in bankrupty or debts that actually do not exist. Since XX/XX/XXXX they have called me at minimum 28 times from various phone numbers. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I received a credit alert today and they have placed a collection on my credit report. In XX/XX/XXXX CFPB ordered Portfolio to stop there deceptive debt collection practices they haven't. They specifically prey on minorites and women and I am both, a WOMAN and MINORITY, they prey on this demographic becuase they feel we can easily be intimidated into paying money I do not owe the debt and want them to release me from it and to stop harassing me and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX get information from other company 's records that are no longer in use, records that have been filed in bankrupty or debts that actually do not exist. Since XX/XX/XXXX they have called me at minimum 28 times from various phone numbers.XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I received a credit alert today and they have placed a collection on my credit report. In XX/XX/XXXX CFPB ordered XXXX to stop there deceptive debt collection practices they haven't. They specifically prey on minorites and women and I am both, a WOMAN and MINORITY, they prey on this demographic becuase they feel we can easily be intimidated into paying money I do not owe the debt and want them to release me from it and to stop harassing me and remove it 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 2018-06-16 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: MO

Complaint narrative:
I'm reporting 2 fraudulent accounts inwhich I have no knowledge of and they are being reported by the credit agencies. The following accounts are XXXX XXXX ( XX/XX/XXXX ) the orginal creditor I never had any accounts with.

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 2018-06-16 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: MO

Complaint narrative:
I'm reporting 2 fraudulent accounts inwhich I have no knowledge of and they are being reported by the credit agencies. The following accounts are XXXX XXXX ( XX/XX/XXXX ) the orginal creditor I never had any accounts with.

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 2018-06-16 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: MO

Complaint narrative:
After reviewing my credit report, there's 2 inquires that has been fraudulently or mistakenly put on my report. The inquires are XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/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 2018-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: FL

Complaint narrative:
It seem like XXXX is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XXXX claim that I own them money. I really believe that XXXX being discriminated against me because I'm a XXXX male. XXXX have not given name and address of the original creditor. I am requesting XXXX to please stop trying to collect money on a false account and stop putting false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: MO

Complaint narrative:
After reviewing my credit report, there's 2 inquires that has been fraudulently or mistakenly put on my report. The inquires are XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DEPTEDNELNET with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I never opened up a credit card in name ever and I am not sure why they are on 2 of 3 of 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 non-monetary relief
Consumer complaint received 2018-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 I received an email from Wells Fargo saying a {$18.00} from XXXX XXXX XXXX was sent back. No explanation why. Wells Fargo charged me {$12.00} fee. Because XXXX XXXX XXXX check was sent back. It seems to me that having an account for 13 years at the same branch location, Wells Fargo is charging excessive fees {$37.00}. This month alone. For an account that has an average balance of {$22.00}. 

This is not the first time I have had issues with Wells Fargo charging fees that appears to be harsh or questionable charges to one or more accounts and it's exhausting. They seem to complicate.

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 monetary relief
Consumer complaint received 2018-06-16 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:
I am contacting your agency because I am having a tremendous problem with all 3 major credit bureaus inaccurate credit reporting which is affecting my credit scores. I am a victim of identity theft and I have made these companies aware of the situation but yet and still they keep allowing fraudulent credit inquiries on my credit report which lowers my score normally this happens right after I report the credit agencies to your company for falsely reporting on me. Please force these companies to remove the fraudulent inquires off my credit reports and raise my score to where it is supposed to be. Because these inquires I am going to list do not belong to me and I had no knowledge of XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX also destroyed my credit there were two applications that were done and it's fraud please remove it off my credit report I am supposed to be called to verify information when someone applies for credit in my name because someone has stolen my identity XXXX XXXX XXXX/XXXX  ( XXXX ) XXXX And these accounts listed below are also fraud XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX/XXXX  Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX +  {$420.00} Closed Hide closed ( 3 ) And I want these removed at once because they do not belong to me and are fraudulent

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 2018-06-16 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am contacting your agency because I am having a tremendous problem with all 3 major credit bureaus inaccurate credit reporting which is affecting my credit scores. I am a victim of identity theft and I have made these companies aware of the situation but yet and still they keep allowing fraudulent credit inquiries on my credit report which lowers my score normally this happens right after I report the credit agencies to your company for falsely reporting on me. Please force these companies to remove the fraudulent inquires off my credit reports and raise my score to where it is supposed to be. Because these inquires I am going to list do not belong to me and I had no knowledge of XXXX/PAYPALEXTRASMC  Inquiry : XX/XX/XXXX JCP also destroyed my credit there were two applications that were done and it's fraud please remove it off my credit report I am supposed to be called to verify information when someone applies for credit in my name because someone has stolen my identity XXXX XXXX XXXX/XXXX ( XXXX ) XXXX And these accounts listed below are also fraud XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX/XXXX  Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX +  {$420.00} Closed Hide closed ( 3 ) And I want these removed at once because they do not belong to me and are fraudulent

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 2018-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One is blocking me from enabling external applications according to XXXX XXXX  as I attempted to link my new XXXX XXXX   account to my current Capital One account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: DISCOVER BANK
State: KS

Complaint narrative:
I never opened up a credit card in name ever and I am not sure why they are on 2 of 3 of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I never opened up a credit card in name ever and I am not sure why they are on 2 of 3 of 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 2018-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I sent the petitioner an " Affidavit of Debt Validation Letter ''. The petitioner continues to fail to meet my request to proof the debit and show original documents. They hired a lawyer and attempted to sue me for their claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have contacted Experian so many times via phone online, and via first class mailings on many many occasions in regards to 2 accounts that were placed in my name that did not belong to me and i did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively. I am trying to build my credit up to obtain better things in life and it makes it difficult when they checking credit and i have negative accounts that do not belong to me reporting inaccurately.I have disputed and reached out to Experian more then several times and they say the same thing over and over.The companies either need to send proof or validation or it needs to be removed.This account does not belong to me. I have done the FTC, I have called and they have told me that their handling it and they received proper paperwork and i should see an update and i never do.The last Rep talked to name was XXXX in the Customer Service, I have not had any luck with this. The following accounts that are reporting are : XXXX XXXX XXXX with a balance of {$490.00} and XXXX XXXX XXXX with a balance of {$600.00}

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 2018-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
XX/XX/XXXX I had a notification stated a collection item for {$530.00} was added to my credit report by XXXX XXXX XXXX. Ive never received any correspondence from this company about the item. On XX/XX/XXXX I contacted XXXX and requested information on the supposed debt. Said it was for medical services provided to my daughter on XX/XX/XXXX. I told them I never received correspondence via mail to be able to disputed the debt. I asked XXXX where they mailed the information and the address they provided wasnt even mine. The reason being is they never had my correct address therefore I couldnt dispute. I asked them to immediately delete the item from my credit report and gave them my correct address so I can dispute the item and they stated no. They stated it was my responsibility to provide an updated address to them. Now how am I going to update my address to them when I dont know whats going on? Very unprofessional. My ex wife is responsible for the bill being she was the grantor by taking my daughter to doctor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is not a duplicate of Complaint number : XXXX as the date ( s ) of occurrence ate different occurring between XX/XX/XXXX and XX/XX/XXXX and not XX/XX/XXXX to present as in complaint XXXX. 
Product : Mortgage Issue : Improper use of your report Bank of America, or those working on behalf of, for the interest of, or for the banks benefit, accessed my credit reports for unlawful purposes after foreclosure processes had been initiated. In addition to improper inquiries, sharing of information obtained from and through accessing credit reports for purposes that aren't allowed by law, or gaining access to my credit reports and the data contained within I've had my personal, financial and private information grossly compromised due to such conduct and behavior. This behavior, to the best of my knowledge, occurred between XX/XX/XXXX and XX/XX/XXXX. 
What would be a fair resolution to this issue? 
Credit report corrections and other related updates, changes and correction such as new identification numbers as well as ongoing and constant credit fraud protection and monitoring. In resolution, in part, I would need to establish a new identity to include, but not limited to, new government issued picture identification, new social security number, new name and a new post office box. Obviously, this type of behavior and activity is to cease and desist from hence forth as well.

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 2018-06-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I was XXXX with the XXXX and requested that my account be freezed and citi bank failed to honor this request, hence I have late payments being reported for 60 days while on XXXX. According to The Servicemembers Civil Relief Act of 2003 ( SCRA ) replaced the Soldiers ' and Sailors ' Civil Relief Act of 1940 deployment of more than 180 days constitutes a hardship requiring creditors to defer or freeze payment obligations of military personnel.

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