vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX XXXX  was bought out by Peoples. I had bill pay through XXXX, I was trying to log into my XXXX XXXX  account to see my online payments, but it was disabled & directs you to open an online banking with peoples, which I did. Unfortunately, Peoples only showed 1 payment on my active bill pay. I had a bill that I thought was paid on bill pay through XXXX but was not showing up on the Peoples. I made the payment through Peoples & now I see on my Peoples account that they withdrew 2 {$1000.00} payments from my account ( vs. only 1 payment owed ) upon calling the customer service rep says shes sorry but not all the bill pays have transferred over & I can not see what I have paid already!! How am I supposed to know if I paid a bill or not. Now, I AM OUT {$2100.00} from my bank account & the rep says I have to call the company and ask for a refund! THIS SHOULD NOT HAVE HAPPENED! This IS THE REASON I REMOVED MY MONEY FROM PEOPLEs previously & now I am forced to have them again. They obviously were not ready for the transition. What if I did not have the funds! This take over should have been more carefully monitored and this bank penalized for this incident. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: IL

Complaint narrative:
i am XXXX XXXX i go last week XXXX XXXX date XX/XX/2019 he run my credit before he till me i dont run credit hard inquiries i see my credit report this is hard inquires i call him he told me i dont care youare credit pl help me i have 20 hard inquiries

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 2019-02-01 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I had moved out to overseas on XX/XX/2015 permanantly but I would like to dispute the negative items on my credit report because they are not mine. 
I used to live in XXXX most of the time and I was living in XXXX for a short period of time. I feel like my room mate had stolen my information. 

1.XXXX XXXX  XXXX XXXX is not mine I have no idea who that creditor is and how that apprears on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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:
In XX/XX/XXXX I began my undergraduate studies with the XXXX XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. I began my XXXX studies in XX/XX/XXXX with XXXX XXXX XXXX and completed my XXXX studies in XX/XX/XXXX. I was also enrolled at the XXXX XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their graduate level XXXX XXXX Certificate Program, these credits were later applied to a graduate degree in project management with the XXXX XXXX XXXX inXX/XX/XXXX, I completed this program in XX/XX/XXXX. During this time frame I used part of my XX/XX/XXXX  for these programs along with student loans. I had a series of health issues that were not resolved while on active duty that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the XXXX XXXX XXXX XXXX ( XXXX ) program for my student loans. On XX/XX/XXXX DOE   directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX XXXX XXXX   XXXX. In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX-U.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

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 2019-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I requested a refund of a duplicate payment I made to XXXX XXXX XXXX XXXX XXXX XXXX I had submitted two payment on my vehicle auto loan on accident in the amount of XXXX I requested a refund on one of the payments I was not late on my auto loan I submitted all the paper work they requested and the representative told me I should not have any problem getting my money back On XX/XX/XXXX the representative contacted me back and informed me i should be able to receive my money back into my back account as an update well today XX/XX/XXXX I received a phone call from XXXX XXXX and he was very very unpleasant he denied me my money back after I was told several times I could receive it back I explained to him due to the government shut down I was having a hard time paying my bills and supporting my children he did not care he told me I had to leave the money on the car not and he was not going to refund my money back to my account I ask to speak with a supervisor he claim he was but he was not this was the worse customer service ever this company from the dealer to them got over on me I payed double for a car that is only worth a small price blue book value I been having problem since I purchased the vehicle and for them to not want to give me my money back after I told him I needed to support my children is wrong please help me take action on this company and this employee so he want treat another customer this way

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: GA

Complaint narrative:
I recently pulled my credit report and to my amazement saw that XXXX XXXX have decided to report me 60 days late on this account in XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late in XX/XX/XXXX. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.

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 2019-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
ON XX/XX/XXXX I contacted customer service to inquire about my bill. I received my bill and it showed the fee that was charged for negotiating one of their offers. The issue I found was that they charged me 24.24 % for this transaction. I wrote a check to myself so that I could pay multiple bills that I had. The check I used was for the promotion that they offered for 1.99 % until XXXX. Offer ID XXXX. The gentleman I spoke to indicated that my letter indicated that the check could not be written to myself. I explained to him that my letter did not indicate that. I offered to fax him a copy of my letter but he said to go to a local branch. A couple of days late r I went to the XXXX XXXX and spoke to XXXX and he called on my behalf. He looked over the paperwork I gave him and could not find anywhere on that letter anything stating what they had told me. I told him that I felt it was deceptive and they made no attempts to appease me in any way. I told them that I was going to return the check and that I would like my fees removed. The offfer that they gave me is not what I wanted.

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 2019-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
On XX/XX/XXXX I received a letter from Midland Credit Management stating that XXXX  XXXX/XXXX  had sold their debt to Midland Funding, LLC XX/XX/XXXX. They go on to say that I owe {$360.00} from a debt with the account they bought from XXXX. I never had a XXXX  credit card or account with XXXX. I have read online they are scam and ruining peoples credit. They also go on to say if I don't pay it by XX/XX/XXXX they will report the debt on my credit report! 

I do not want to contact them because online it says once they have your phone number or email they will harass you. 

I also read the FTC paid out over 4.5 million to people that were scammed by this company, ruining people 's credit and harassing them, their employers and family constantly. 

How do I handle this scam and protect myself?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 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: GA

Complaint narrative:
I recently pulled my credit report and to my amazement saw that XXXX XXXX have decided to report me 60 days late on this account in XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late in XX/XX/XXXX. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.

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 2019-02-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently pulled my credit report and to my amazement saw that XXXX XXXX have decided to report me 60 days late on this account in XX/XX/XXXX. I have previous credit reports from both agencies pulled in XX/XX/XXXX, and neither one of these reports show me late in XX/XX/XXXX. Not only was I never late on this account, but according to the FCRA, as amended by the XXXX XXXX, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is trying to Collect {$430.00} I Dispute before the 30 days but this collection agency is in violation of state and federal government regulations. The status of limitations has expired

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: GA

Complaint narrative:
I recently pulled my credit report and to my amazement saw that XXXX XXXX XXXX   have decided to report me past due on this account in XX/XX/2015. I have previous credit reports from both agencies pulled in XXXX of 2015, and neither one of these reports show me late in XX/XX/2015. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately. 

Please correct this listing to paid as agreed never late, and remove the past due for XX/XX/2015.

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 2019-02-01 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: EQUIFAX, INC.
State: OR

Complaint narrative:
In XX/XX/XXXX I began my XXXX studies with the University XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. I began my graduate studies in XX/XX/XXXX with University XXXX XXXX and completed my XXXX studies in XX/XX/XXXX. I was also enrolled at the University XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX XXXX in XXXX XXXX   with the University XXXX XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on active duty that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. Upon careful review and further evaluation by the VA my XXXX rating was increased to XXXX %, which qualified me for the Total and Permanent Disability ( TPD ) program for my student loans. On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my total and permanent XXXX. In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX-U.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: GA

Complaint narrative:
XXXX XXXX are in contempt and violating my consumer right by furnishing the account starting with XXXX on my account please i need you to to verify the accuracy of the data and delete account and block any future report from XXXX XXXX. i don't recognize the company and i have never done business with this company before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 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: GA

Complaint narrative:
I recently pulled my credit report and to my amazement saw that XXXX XXXX have decided to report me 30 days late and past due on this account in XX/XX/XXXX and XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late or past due in XX/XX/XXXX and XX/XX/XXXX. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.

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 2019-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This Company National Credit System is in violation of the FDCPA for continuing to report on a Fraudulent debt on my credit report. I have already notified the credit bureaus over this matter, and also sent out a cease and desist letter regarding this matter. I have know knowledge of this debt and it is frivolous.If you all do not stop Harassing me I will be forced to proceed with further litigation in small claims court!

Company response to consumer: Closed with explanation