vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I received a phone call from one of my supervisor 's ( I am in a federal training program ) called me and informed me that someone was trying to get in touch with me and I only had 2 hours to return the call otherwise they were going to take further steps of action. Out of fear, I did return the call and it was a group called the XXXX XXXX XXXX out of California wanting me to make arrangements to pay off a debt that is not mine. Said they were representing Capital One Credit Card Company. I decided to pull up my credit report and also found where a credit card with the same company had been opened or {$300.00} 's and then paid off so apparently who ever is doing this has done it before. Supposedly the account was opened up in XXXX ( I think this is the date they told me it was opened. I was so upset I am not sure ) and paid on regularly until XXXX and then stopped paying on it. They threatened to freeze my bank account. I am on XXXX and can not afford to have my account frozen. They tried to get me to agree to pay off a {$310000.00} 's with a one time payment of {$900.00} payment and emailed me a contract pertaining to that. I have the phone number which they contact me on and there is a different phone number on this so-called agreement they sent me but no address. The first phone # is : XXXX. The phone number on the supposedly agreement is : XXXX Fax # : XXXX.
I kept trying to explain to this person that it was not my account. You can pull up my credit report and see that. Except the one I just found from Capital One which has apparently been paid off in full which I did dispute.
I contacted Capital One myself and I am waiting to hear from them within 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
We paid off the debt, which happened to be an oversight on our part regarding a hospital bill which we thought had already been paid, and PMS ( http : //pmscollects.com/index.html ) has been fully compensated for the amount ( ~ {$500.00} ).
Since this has been paid, we expected them to discharge this from active status on my credit report. I spoke to a manager ( male who would not provide his name ) on XXXX XXXX, 2017 and he promised to resolve the matter with the credit reporting bureaus as well as send a letter to us confirming that it was resolved.
However, we never received a letter and the account still shows as active on my credit report. In addition, this was resolved more than a year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the date below : XXXX 2017 I am not sure how this happened. I believed that I had made my payment to you when I received my  statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Reference Consumer.Finance.Gov Case # XXXX which identified an administrative error by XXXX and erroneous debt collections against me by Southwest Credit Systems. As part of your investigation, which discovered this was an error, Southwest Credit Systems was to remove any negative reports or comments on my credit report/file. As of X/XX/17 Southwest Credit Systems has not removed negative comments concerning Case # XXXX. Please have Southwest Credit Systems, XXXX XXXX XXXX, XXXX, TX XXXX immediately remove all negative reports/comments from my credit report/file permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This is an ongoing problem with Experian. I believe now after receiving my updated credit report that they are doing this on purpose and today I filed a complaint with the State Attorney Generals office and the FTC and am in discussions with an attorney about filing a lawsuit if this does not stop.
Experian is still reporting my XXXX XXXX Account as being late when in fact it was never late and they refuse to show proof that it was late. They are in violation of the law. I believe they are also violating the statute of limitations by reporting the account.
Secondly they have a written comment on two of my accounts stating that I have disputed them in the past which is a false statement and blatant lie on their behalf. They are stating that my XXXX XXXX XXXX Account in the comment section " Account information disputed by consumer ( meets requirements of the FCRA ). I have never missed a payment with this company so why would I dispute it? THEY NEED TO REMOVE THIS COMMENT IMMEDIATELY as it makes me look bad.
Then on my XXXX XXXX account Opened in XXXX of 2017 ( I have never been late on this payment as it is a new account so why would I dispute it? ) Yet they have a comment saying " Account previously in dispute '' this is a LIE and this comment needs t to be removed immediately.
It is very obvious that they are simply adding stuff to my credit report to get back at me for filing these complaints. It is also obvious that I must now file a complaint with the FTC, State Attorney Generals offices against the CFPB as you are not investigating Experian for breaking the laws. This has to stop!

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 2017-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express is overcharging interest on card accounts based on reflected calculations on my end. After noting the issue with the company, they did n't have much to say other than that they had to forward it as a billing inquiry.
After demanding answers as to why they claim that the Interest was actually incorrect ( they admitted to that ), I was given a credit of XXXX cents that they claimed was auto-generated by their computer system. The XXXX cent credit creates even more confusion.
Here 's the breakdown of my calculations.
The cycle in question was between XXXX XXXX, 2017 and XXXX XXXX, 2017.
The Purchase Balance is in a promotional state until late XXXX, so 0 % interest is applied until then, so that wo n't be listed.
The Cash Advances Balance has a 26.24 % APR which comes to a .0719 % Daily Periodic Rate.
The Balance at the beginning of the cycle for Cash Advances was {$2300.00}. On XXXX XXXX, a total payment was made in the amount of {$350.00}. The minimum payment due was {$210.00}. {$210.00} SHOULD HAVE gone to the Purchases Balance where a remaining {$140.00} should have gone to the Cash Advances Balance.
As of XXXX XXXX, the Cash Advances Balance ( as a result of the payment ) became {$2200.00}. {$270.00} was the total Cash Advances Transaction amount for XXXX XXXX, a day later. The balance now became {$2400.00} for Cash Advances. On XXXX XXXX  the total Cash Advances Balance became {$2500.00} as a result of a Cash Advances Transaction total of {$25.00}.
So, you have ...
Cash Advances Balance from XXXX/XXXX/2017-XXXX/XXXX/2017 : {$2300.00} for 8 days Cash Advances Balance on XXXX/XXXX/2017 : {$2200.00} for 1 day Cash Advances Balance from XXXX/XXXX/2017-XXXX/XXXX/2017 : {$2400.00} for 2 days Cash Advances Balance from XXXX/XXXX/2017-XXXX/XXXX/2017 : {$2500.00} for 19 days You add these balances up to get a sum of {$73000.00}. Divide that sum by the number of days in the cycle ( 30 ) to get an Average Daily Balance for Cash Advances of {$2400.00}.
Take the Average Daily Balance {$2400.00} multiplied by the APR ( 26.24 % ) to get {$640.00}. Divide {$640.00} by 365 ( days per year ) to get a daily interest charge of {$1.00}. Multiply {$1.00} by the number of days in the cycle ( 30 ), to get a total interest charge of {$53.00}.
Their interest total was {$53.00}, a XXXX cent overcharge. As I mentioned earlier, they credited my account XXXX cents which does n't make sense. It should 've been XXXX cents credited and retroactive on the account so it would n't begin charging interest on the amount that was overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi, on XX/XX/2017 I went to withdraw cash from bank of America, I told them that I lost my debit card and them I was asked to provide ID, SSN & my Pin, well I did, while I was waiting for the teller to process my transaction, she kept looking at me for few minutes and then called her manager, who approached me with anger and asked me to have a sit and wait for here without any EXPLANATION for the reason, I started getting nervous and refused to give up my turn and just sit..after that she said that she will call the Police on me and get me escorted out..this is when I took my ID and left because I have my kids in the Car waiting for me with their mom.. I was treated like a thief or scammer even with all the proof I provided..also I was declined to get my OWN MONEY ... Manager name is : XXXX XXXX,. Adress is : XXXX, XXXX XXXX XXXX. XXXX, NY, 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 2017-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Account Details Last Reported XX/XX/XXXX Collection Agency PRO COLLECT Original Creditor XXXX XXXX AT XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2800.00} High Balance {$2800.00} Remarks Account information disputed by consumer Creditor Contact Details PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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: FL

Complaint narrative:
I have a fraud alert on my account as a result of my personal information being compromise and a police report due to someone using my information to try to obtain credit cards..there are over XXXX hard inquiries on my report that I did not make..I am requesting that they are removed from my file as soon as possible..I am interested in buying a car and need all inquiries removed in order to do so.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 2017-07-30 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Dates and amounts are contained in the attached files. In summary : I had my eyes checked at the XXXX vision center, ordered lens from them. Could not use them, they gave distorted and blurry vision. The XXXX XXXX XXXX scheduled another eye test, got it and they ordered new lens. The vision from this second order was worse than the first. I notified XXXX Store Management and they just shrugged and offered no resolution. I called NFCU and said I want to dispute the XXXX charges, repeated in excruciating detail all that had happened and asked if they needed the location of the store. I was told that they had all they needed. Shortly thereafter I received a letter with a form in it. I filled out the form and sent it back to them. My wife then gets a letter with her credit card number on it saying they are not going to dispute the charge because she did not return the form in time. I did, the delivery receipt is attached. I also received a letter, with my credit card number on it, with a bunch of checked boxes indicating what forms were required. All documentation detailing this is attached as files. It appears that these credit card people are in total disarray and are throwing up their own administrative obstacles in an attempt to NOT resolve this credit card dispute with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
My mortgage company went bankrupt ( GMAC ) and my mortgage went to Ocwen. They worked with me to lower my payments. They then made a mistake and put in my income higher than it was. They said they would have to redo it-after I had paid hundreds of dollars the first time to lower my payments by paying them for processing, etc. The second time they worked with me again, setting my payments at {$540.00}. My mother in law became very ill and we ended up paying a lot of her medical costs, then for her entire funeral. This set us back but I still kept paying my payment before the XXXX-the late fee day. Every month, I would pay exactly what the mortgage company said that I owed for that month. {$540.00} it coming out to be {$620.00} a month. This month, I received help from the VA because I am a veteran. They asked me how much was due. I sent them a statement of the mortgage which said for XX/XX/XXXX, the payment was {$1200.00}, even though our payment was only {$540.00} a month. Even with late fee, the payment for both XX/XX/XXXX and XX/XX/XXXX would have been $ XXXX.The VA paid them, THIS MONTH {$1200.00}. I went to make the payment for XX/XX/XXXX, ahead of time and the amount shown was yesterday @ XXXX XXXX for {$640.00}. No extra fees, nothing. I set up a payment for {$640.00} + {$2.00} making the withdrawl for Ocwen, {$650.00} current for XX/XX/XXXX. Today, I logged in and looked to print out a copy of my scheduled payment. My amount due is now {$660.00}!!! 
This amount changed overnight. These payments are changing continually and I want it to stop. This is why customers get behind and this is why we lose our homes! There should be no extra  fees. There should be no " property inspection fees. '' My mortgage was current as of XX/XX/XXXX.They then added a late fee of {$15.00} even though VA just paid and specifically wanted the amount indicated that was due. Now they have added another {$15.00}. My XX/XX/XXXX payment is  not due yet and I have it scheduled!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I was credited by XXXX XXXX company on X/X/2017 for XXXX to my closed PNC account. Almost two months later, PNC still has not returned the funds to XXXX nor refunded my via check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Activehours
State: LA

Complaint narrative:
I 'm trying to link my bank to Activehours systems and it 's saying I have the wrong information and to contact your agency

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX XXXX,2017 my Dentist issue a charge back of {$600.00} to my CARECREDIT credit card account due to an overcharged from my recent XXXX XXXX, I contacted CARECREDIT to issue a check for {$600.00}, which they happily agreed upon my request..It is now XXXX XXXX,2017..over a Month Already, and No check! I called and the Phone Rep. always gave me the run around " the check is in the mail '' speech line.I have been getting all my other mails, but nothing from CARECREDIT..I also did research and they are known for FRAUD and CORRUPT activities..I do not want to be the next victim ... Please 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 2017-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TSC Accounts Receivable Solutions
State: UT

Complaint narrative:
TSC is not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... Even though they have not sent me validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX

Complaint narrative:
I filed for bankruptcy thru my attorney XXXX XXXX on XXXX.2017 and got my discharge ( No : XXXX ) from US Bankruptcy Court XXXX District of Texas on XXXX.2017. I checked my credit report on the XX/XX/XXXX and saw that Fidelity Creditor Services Corporation has filed a a new collection claim under a new
Fidelity Information Corp. All other claims have fallen of except for Fidelity Corp ( for XXXX XXXX XXXX ). When I called Fidelity ( a CA based Corp ) they said they never got my discharge. I know this is a lie and a cheap trick because they are moving the claim from one corporation to the other. And, therefore claiming Fidelity Credit Services never got the discharge! This is a fraudulent activity. My debt to XXXX XXXX XXXX pursued by Fidelity Information , Creditor Services and/or any other subsidiary of Fidelity Information Corp has been erased by the US Bankruptcy Court on the XXXX of XXXX, 2017. And, it should not hit my credit report as a collection that requires attention. Account XXXX : XXXX Fidelity Information Corp. XXXX XXXX XXXX XXXX. XXXX, CA XXXX. Fidelity Creditor Services XXXX XXXX XXXX XXXX, CA XXXX Please, get these unscrupulous people of my back. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Columbia Collection Service, Inc.
State: OR

Complaint narrative:
Columbia Collections company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to Columbia Collections ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( XXXX, XXXX & XXXX ), the accounts still show as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX XXXX company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to XXXX XXXX ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( Transunion, XXXX & XXXX ), the accounts still show as open.

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 2017-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX XXXX company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to XXXX XXXX ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( XXXX, Experian & XXXX ), the accounts still show as open.

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 2017-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Genesis Credit Management, LLC
State: OR

Complaint narrative:
Genesis Credit collection company is still reporting my account as open to all three credit bureaus when in fact it is CLOSED ( per their answer to previous complaint filed with cfpb ) and should be deleted from credit reports per Chapter XXXX bankruptcy.
Despite numerous requests, the account status remains incorrectly reported as open on my credit reports with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kimball, Tirey & St. John LLP
State: UT

Complaint narrative:
Kimball Tirey St John are not licensed to collect this debt in Utah. On top of not providing proof of the debt they are not licensed to collect.

Company response to consumer: Closed with explanation