vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
To my knowledge, I was never late on my GM Financial lease with account number XXXX****. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true so I am asking as a long time customer for this error to be fixed. I have had this auto lease since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. I would have never known unless I looked at my credit report. Nobody ever told me I was late. To my knowledge, I have always had 100 % positive payment history and have not only tried to pay way before my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Recently, I received notification that my credit score had decreased from XXXX to XXXX ( today it went to XXXX ). I was unaware the Capital One opened a credit card in my name and they were reporting that I was delinquent 30 - 60 and now 90 days because I had not paid the annual credit fee of {$59.00} .... not with penalties and late fees it went to {$140.00}. I reported fraud to both Capital One and to the credit reporting companies of this card. Apparently, nearly a year ago there were charges on this card that was reversed because of fraud. I WAS NEVER AWARE OF THIS. 
Ive worked very hard to have an excellent credit score and now in just two months its been ruined ... by no fault of my own. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX I had an account with XXXX XXXX back in XX/XX/XXXX. XXXX was the creditor for their credit card at the time. My limit was only XXXX. XXXX charged me some promotional financing Charges that I did not agree to and during the course of trying to fix it XXXX went bankrupt and XXXX XXXX took over.

XXXX XXXX turned the matter over to the Bureaus. The Bureaus turned it over to the XXXX XXXX XXXX XXXX XXXX XXXX. They went to court and got a judgement against me in XX/XX/XXXX. I didnt know of the court date. They are charging me 10 % on the dollar saying its the law. I have been making steady payments since XX/XX/XXXX. I offered to settle in XX/XX/XXXX for {$1500.00}. The countered with {$2100.00}. I could not pay that amount so I resumed my regular payments.

I called today, XX/XX/XXXX at XXXX to get my new payoff balance. I spoke with a XXXX XXXX who said my balance is {$3200.00}. This is criminal to me. I have paid already paid {$1700.00}. How can a {$2500.00} credit card bill now be almost {$5000.00} and rising. I understand fees and all but {$2000.00} in fees is not fair.

I will pay what I owe but the interest is unfair and I like to file a complaint. What can I do? I have attached some documentation that I have. I have requested a copy of the court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I received a bill from a company called XXXX XXXX XXXX XXXX for a dialysis treatment ( date is XX/XX/18 ). I do not get dialysis. Ive never visited this facility or live in the area. And I legally changed my name but the bill is under my old name - which I did not have at the date above. The bill amount is {$1000.00}. 

The collection agency is called XXXX XXXX XXXX ( XXXX ). Ive spoken with them twice and they say they do not have the contact info for XXXX XXXX XXXX. And I can not find them online. So I have no way to contact the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
Transworld Systems Inc has been attempting to collect a debt from me for 2 credit card accounts I acquired while in the XXXX. InXX/XX/XXXX I was XXXX due to injuries I sustained during my time there. At that time these accounts were closed with balances of {$1100.00} for account # XXXX XXXX XXXX XXXX and {$930.00} for account # XXXX XXXX XXXX XXXX. In XX/XX/XXXX my entire tax refund was offset to pay the balances of the 2 credit cards accounts, as well as part of a student loan. Shortly after that a representative from Transworld Systems Inc contacted me regarding a debt they said I owed which at that time they said was {$2100.00}. I requested documentation proving the amount owed because my tax returns had been fully garnished paying a total of {$3200.00} towards the XXXX XXXX. One on XX/XX/XXXX for {$1800.00} and the other on XX/XX/XXXX for {$1400.00}. I then received documentation from them for a XXXX XXXX whom I had absolutely no knowledge of. After discussing this at length with them they said they were submitting it to the fraud department, however, I then started receiving invoices for 2 credit card accounts with different account numbers and balances stating I owed over {$4000.00}. I contacted them again and tried to explain that the debt was not mine, they advised me that it was being investigated by fraud and that it was going to take time. After researching and acquiring more information I showed them proof that the 2 amounts I owed at the time my taxes were offset was the amount they are showing I owe subtracting the interest they have been charging me for the past 2 years. 

I have provided them with proof that this debt has be paid, however, while in dispute it's been crushing my credit and they still have a lien against my tax refund so I have not been able to file my taxes for 2 years. Every time I called them they would say it's being investigated and it will take time. Now that I sent the letter and proof the debt has been paid in full they say they are waiting for a response from XXXX XXXX XXXX XXXX XXXX XXXX and it will take time, but I need to get this taken care of so I can move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a refund from the merchant XXXX  for XXXX. I contacted the merchants bank and it cleared as of yesterday. XXXX XXXX XXXX placed the credit back into my account but then charged my account a " Merchant Credit Hold for Review. '' in the exact amount of the credit that cleared. I feel this hold was unnecessary and causes me unjust finical strain. The transaction has been completed by the merchants bank and the hold is entirely XXXX XXXX XXXX. I feel I am due interest for each day XXXX XXXX withholds my XXXX of my balance from me. The hold on my account is for the exact amount of the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account needs to be coded as an XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
I paid my mortgage payment on time in the beginning of XXXX and my payment was not processed. I was forced to pay my payment 3 times in order for it to show with Caliber home loans. My loan # is XXXX and the ph # is XXXX. The payment finally posted in XXXX and now I have a 30 day late on my credit report. I have email confirmations of when I paid the payments. All I ask is the deliquency be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: ME

Complaint narrative:
Hello, I have had a loan now for 6 years with XXXX XXXX. Purchased a used XXXX XXXX on XX/XX/XXXX. My credit was not perfect at the time, with an end goal to raise it as quickly as possible as Im a single mom. Numerous times, including today I have tried to resolve an ongoing issue with my balance expected and what Ive paid to this day XX/XX/XXXX. Total cash purchase price was XXXX, with a lease trade in. 
Paying now for 6 years @ $ XXXX/month would bring it to XXXX paid. XXXX XXXX is telling me my pay off is still {$15000.00}. 

Im looking for answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
XXXX sent me defective merchandise. I made a rightful claim which XXXX refused without justification. They are now harassing me daily and ruining my credit for something that they did by not following the law. 

I have no intention of paying XXXX  for the defective merchandise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
This is a XXXX XXXX. medical bill I have inform HRRG to stop calling me and collect the XXXX XXXX information I called them today and told him to remove all that information off the credit report and the XXXX XXXX XXXX was going to email him with all that information for the XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/2019 XXXX issued me a check for the amount of {$4000.00} via direct deposit, which I arranged to be deposited to my PayPal account. PayPal refuses to release my money to me. Every single time I attempt to utilize my funds I receive an error message. I have called numerous times about this matter. On XX/XX/2019 the money posted to my account and should have been readily available for my use however PayPal is attempting to steal my money from me by keeping it away from me. This company is guilty of gross misconduct, false advertisement, and fraud. PayPal has time and again promised me and " Rest assured you will have your money within 24 hours ''. These people are criminals of the worst kind and I have incurred damages as a result. Additionally PayPal made sure to deduct funds from the deposit to pay itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed the accuracy and information on my credit report for bankruptcy. Both XXXX and Experian told me that this information was verified with the courts but the information was untrue. I received a notice from the courts that they do not report to any credit reporting agency. I have attached the notice from the courts. Also, the name on the document from the court is not my name. I want both of these credit agencies to remove this from my credit file.

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed the accuracy and information on my credit report for bankruptcy. Both Transunion and XXXX told me that this information was verified with the courts but the information was untrue. I received a notice from the courts that they do not report to any credit reporting agency. I have attached the notice from the courts. Also, the name on the document from the court is not my name. I want both of these credit agencies to remove this from my credit file.

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 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: RI

Complaint narrative:
There has been an ongoing dispute with HSBC over the HSBC master card. The balance was entirely or nearly paid off about one year ago ( XXXX or XX/XX/2018 ) and subsequently about {$1800.00} in payments were made toward charges on the account between then and XX/XX/2018. During this time, HSBC supposedly closed the account due to suspicious activity but no charges were ever reversed -- instead there are charges and interest and late fees and over limit fees and interest on those and somehow an account that had more than {$7500.00} in payments in the past year has an outstanding balance of more than {$9000.00}? 

Each time I have asked for help with this I get the " we are working on it '' followed up by no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7, 8, 9, and 10 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MS

Complaint narrative:
Refinanced my house with XXXX XXXX XXXX XXXX and I am having a difficult time receiving my overpaid escrow money from the previous mortgage company, Roundpoint Mortgage Servicing Corporation. 
Timeline : XX/XX/19 Loan paid off by XXXX XXXX XXXX XXXX ( Per Roundpoint Online records ) XX/XX/19 Escrow Disbursed to Mortgagor ( ( Per Roundpoint Online records ) XX/XX/19 Check mailed to me - Per conversation with Roundpoint Rep XX/XX/19 Have not received the {$1500.00} from my escrow account. 

I have had this mortgage with Roundpoint for 4 years and have made every payment on time every month. I am concern that Roundpoint is attempting to retain my fund as long as humanly possible. I understand they have no incentive to pay my money expeditiously and as quoted by several of the representatives that, by law we at Round Point have 20 days to refund your escrow account. It is well pass those 20 days after the loan was paid off. I have called Roundpoint several times, but receive the same patent answers, the check is in the mail. 

The minor interest Roundpoint is receiving from retaining my funds may be small, but I am concern that f this same activity could be happening to a large number or all of the Roundpoint customers. And finally should Roundpoint pay me interest beginning on the 21 day along with my Escrow refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is the second time I have had to deal with this issue. I have a Visa Card issued by Bank of America ( BankAmericard ). On XX/XX/XXXX, I purchased an Airline ticket from XXXX XXXX. I used the US site and the ticket was purchased in $ US for {$850.00}. On the same date, there was an unauthorized " foreign transaction fee '' charged to my account of {$25.00} ( roughly 3 % ) even though there was no disclosure and the entire transaction was done in $ US. I am familiar that when you charge foreign currency that they apply a fee and I don't have a problem with that. When I alerted BofA on XX/XX/XXXX they immediately credited the fee back to me. More recently, on XX/XX/XXXX I again charged an airline ticket with XXXX to the same card. Once again the transaction was done in the US and on the US website, yet again I was charged an unauthorized " foreign transaction fee '' of {$21.00}. I called Customer Service and was given an uncompromising stance that " that's the way it is ''. I asked for a supervisor who, because of my long history with BofA, removed the charge. I believe this is a hidden fee grab by BofA that is neither legitimate nor disclosed when the transaction was performed. To be clear, I have no issue when the charge is in foreign currency, just when it is a straight dollar charge.

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Creditrepair.com, Inc.
State: NJ

Complaint narrative:
I was a client for 4 months at {$100.00} per month, Was not getting results. I called to cancel. They agreed to let the dispute letters outstanding work through and offered no monthly fee for 2 months. 
Then they charged my credit card {$59.00} on XX/XX/2019. 

I want to cancel my account and a refund of the {$59.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
After I set up my bank account it was mostly dormant but I still kept getting paychecks and doing the 10 debit card purchases a month. I hit a point after switching jobs in XXXX of XXXX where I didn't have enough money to put gas in my car, so I made a call to see if I had overdraft fees turned on, remembering that i purposely had them turned off but still wanted to double check. When i called they confirmed that i couldnt overdraft and that i could turn it on but it would take a few business days to become active on my account. I opted out of it, though. Fast forward to the next year and I'm without a job but getting a little bit of help from family to keep up on bills ( only when I need it ). Knowing that I wouldn't have overdraft fees I was going to pay my bills when the funds were available even though they were set to automatically withdraw from my account. I now have 6 overdraft fees in the last 2 months adding up to {$210.00} ( {$35.00} each ) ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Not only was i charged with the overdraft fees but i was charged for something that i couldnt afford without assistance.

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