vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 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: AES/PHEAA
State: PA

Complaint narrative:
A Payment was made to bring the account current prior to AES/PHEAA reporting to the Credit Bureaus XXXX however AES/PHEAA deliberately reported that the payment was past 30 days and I believe it is in response to them being spiteful and them retaliating against me for reporting them to multiple Regulators. I can tell you right now that these complaints will continue, because future borrowers should be extremely aware of how AES/PHEAA operates XXXX They appear to create their own rules while ignoring Consumer Protection laws. It is no surprise that they were unable to prove beyond the shadow of a doubt that they weren't incompetent and/or creating situations for borrowers that were questionable, such as converting promised Grants into loans for educators. Ms. XXXX knew what was going on, and so do various other State Legislators. When payments are late but paid before you submit to the Credit Bureas, AES/PHEAA had advised me that they will not report that it was 30 days past due in the past. It is clear that people lie within this company. I've already seen multiple employee comments complaining about this company also saying that morale is bad and management treats people badly. There's a shocker. 

People are doing just this : https : XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
They keep charging me overdraft fees. TD bank have these predatory overdraft pratices that they use to charge people overdraft fees. I was told if my account overdrafts and i put money in there same day before certain time i wont be charged a fee. My account was overdraft so i transfer money from another TD Bank account same hour and they charged me a fee of {$35.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting the account that I had with them inaccurately. Equifax is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Kriya Capital, LLC
State: GA

Complaint narrative:
Again and again, this account is still here. Are you really not seeing this? This is incomplete account and I did not have any transaction with this company.Please remove this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2021 I made an early manual payment to my credit card ending in XXXX for the amount of {$4500.00}. On XX/XX/2021 ( due date ) I saw that another payment for the same amount of {$4500.00} was paid again on the card. I did not create this duplicate payment. 

I reached out to Bank of America on the XXXX to undo this duplicate payment as I had bills coming on XX/XX/2021 ( mortgage etc ). They refunded the money and said it would take 2-5 business days and not to worry that will be prior to XX/XX/2021 when my bills were due. On the 6th business day I called saying why the duplicate payment was not reversed and was told that because of the amount, it is going through fraud which will take up to 10 business days. More than 10 business days have passed and, as of the date of this complaint ( XX/XX/2021 ) I still have not had the duplicate payment reversed and I have had to deal with late payments on bills due on the XXXX of XXXX because Bank Of America refuses to refund the duplicate payment

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 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The company iims trying to tell me I owe the XXXX bucks i never opened a card never had a credit card they won't take it off collections this is a total scam I never used a card. Why can they do anything they want and ruin my life this is not the America I fought for this is pure dictatorship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: NJ

Complaint narrative:
I noticed multiple accounts on my report I do not recognize

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 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: TX

Complaint narrative:
fcra violaitons remove it : not mine : XXXX/DEPT OF ED Potentially negative Date opened XX/XX/XXXX Balance {$3900.00} Status Open. 
XXXX/DEPT OF ED Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$830.00} Status Collection account. {$830.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I field a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment in XX/XX/2020 to my report which is incorrect and I am asking this be deleted 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 explanation
Consumer complaint received 2021-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting the account that I had with them inaccurately. XXXX is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) which is another inaccuracy.

The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report.

Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.

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 2021-09-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting the account that I had with them inaccurately. Equifax is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) which is another inaccuracy. 
The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. 
Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: ERC
State: TX

Complaint narrative:
Hey, you are still the one who is reporting incomplete and inaccurate information on my credit. It's impossible that you don't know to report accurately. I need you to remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting the account that I had with them inaccurately. XXXX is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.

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 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
GM financial is reporting the account that I had with them inaccurately. XXXX is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On the dates XX/XX/21, XX/XX/21 and XX/XX/21 I called the M & T Bank customer service support number to file a dispute in the amounts of {$1300.00}, {$320.00} and {$500.00} respectfully totaling {$2200.00}. All 3 transaction was with the merchant XXXX. All 3 items were returned back to merchant. The items were purchased and returned and the merchant never credited me for the amount. I called the merchant many times and everyone gives me the run around which is why I called M & T Bank to file a dispute. However M & T Bank denied my claims because I was told the merchant provided M & T Bank with the purchase receipt as evidence. I told the M & T Bank customer service agent how is a purchase receipt used as evidence if the item was returned and credit was not given back to me. He could not answer me back and told me to fax a written statement to M & T Bank to reopen the case and Its been over 3 weeks and no far I have not heard back from M & T Bank. I had a similar case with the same merchant before and M & T Bank did honor my dispute that time.

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 2021-09-13 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: GA

Complaint narrative:
XXXX XXXX is reporting the account that I had with them inaccurately. Equifax is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: VI

Complaint narrative:
The debt company name is medical data systems. The balance date is XXXX XXXX i tried emailing the company numerous times but to no avail. I called the number provided but noone answered. I called the original creditor which was advent health central florida and no file was provided when i provided my social security number.

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 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Ive been having trouble with my American Express credit card applications. The card gets immediately approved but then, according to their customer service, gets stuck in production due to a System Glitch. On XX/XX/XXXX, I applied and was immediately approved for the XXXX XXXX XXXX. However, I didnt receive the card until 6 weeks later because the application even though approved, needs to be finalized by a team member. 

Ive been a member of American Express since XXXX, thiss not how they, any other bank in the US, operate. When you apply for a card, your application gets approved, denied, or go pending. A card thats immediately approved does not require further processing that takes 4-6 weeks. 

This also happened to my XXXX XXXX card application submitted on XX/XX/XXXX and currently, my XXXX XXXX XXXX card application that was submitted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Village Capital & Investment LLC
State: AL

Complaint narrative:
I responding to your response from XX/XX/21 as you continue to disregard my questions. 

If you provided me funds in the form of a loan, Can you provide me with an actual document pursuant to GAAP ( General Accepted Accounting Principles ) pursuant to 12 U.S.C 1831n, showing where the money left your ( Village Capital & Investment LLC ) account to fund this alleged debt? 

Under what Law does it states you are the Original Creditor since this was a consumer credit transaction?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation