Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Termination fees or other problem when ending the lease early

We had recently made the decision to relocate outside of the US and subsequently need to end our leased vehicle contract 15 months early. We accept there is a penalty for doing this and were willing to pay all remaining lease payments and the final balloon payment. 
We approached XXXX to value the vehicle and agreed to sell it at the price quoted, but when they tried to get a closing payment information from US Bank, US Bank used every excuse they could not to provide any information and refused to have a conference call with myself and XXXX to address any issues they may have. 
I was informed of these actions by XXXX and contacted US bank myself. Unfortunately, after 3 attempts and being cut-off by the bank 3 times i was able to get through to the Lease department. I was informed that as there were still more than 12 months remaining on the lease with the account locked and nobody would be able to provide me with any data. I referred to the lease contract where there are no stipulations regarding a minimum 12 month period. To which the response was, an early termination is considered a reposession and we would be in default of contract. I responded referencing the early termination clause for which there is no reference to a 12 month timeframe and advised their automated system provides a closing number to customers, so surely it couldn't be that difficult! 
After some discussion i was advised that i would only be able to purchase the vehicle myself and the title documents would be at least 6 weeks to be processed. When pushed to understand why they would not allow the sale to XXXX i was advised they would only consider it if we were to purchase of another vehicle. 
It was clear this conversation was going nowhere so i requested the number to make a formal complaint, i was given a number that does not exist or be accessed. 
I subsequently called US Bank customer services three times and requested to make a formal complaint and on each occasion the phone line was cutoff by US Bank.
Complaint sub-issue: Didn't receive enough information to verify debt

Pro Collect placed a collection on my account and has not responded to my attempts to get them to prove that the debt is mine. Nor will they remove it from my credit report. 
They just sent me a copy of a final bill as " proof '' of the debt. 

When I called them to try to resolve this issue, the person stated that there was a '' freeze on my account ''. She stated that since I was a " third party '', she could not talk to me. She said I had to email a manager. When I emailed the manager I received a response stating that my debt had to be paid in full. 


If I am a '' third party '', why was the debt placed on my credit report? That alone should be proof that the debt is invalid.
Complaint sub-issue: Inadequate help over the phone

I am a victim of Identity theft. A account was open on or around XX/XX/XXXX with XXXX that I did not authorize nor did I make. I have contacted all the credit bureaus letting them know I am a victim of identity theft. A police report has been filed with the XXXX XXXX XXXX Sheriff Department Report # XXXX on XX/XX/XXXX for Identity theft. I have also filed a complaint with The XXXX ( XXXX ) is a partnership between the Federal Bureau of Investigation XXXX FBI XXXX Complaint Id : XXXX I have filed a complaint with the Federal Trade Commission Reference. I have disputed it with all three credit bureaus and Cash call directly letting them know I did not open this account and that I a victim of ID theft and requesting that the account be removed as it is not mine and they still keep it there. Equifax & XXXX wont remove it.
Complaint sub-issue: Attempted to collect wrong amount

The problem is that US Bank, subsidiary of US Bancorp has unlawfully kept negative reporting on my credit report pass the time limit specified in the Fair Credit Reporting Act ( FCRA ). Adding insult to injury, US Bank has recorded a late payment in 2020 although there has been no activity on that account in years.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX/XXXX  XXXX  XXXX and XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I noticed that my credit reported on XX/XX/2014 - XX/XX/2014 for my USDOE/GLELSI and Nelnet account of a total of XXXX. I want you to know that I understand my financial obligations, and if it werent for a job lost during the year of 2014, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have taken control of my finances and now that I have established a great understanding of being financial literate circumstances have changed.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$40000.00}
Complaint sub-issue: Don't agree with the fees charged

In XX/XX/2007 I took out a loan via a local bank, which is affiliated with American Education Services. Since receiving this loan I have tried my best to repay the loan. I am unhappy with the fact that the interest which is calculated at a daily rate keeps climbing. My original loan was {$16000.00}. So far I have paid {$7600.00} towards the principal and {$7400.00} in interest. That is a total of {$15000.00}, yet my balance owed is {$10000.00}. The calculated daily interest rate is what is used to keep you indebted long term as it keeps climbing, my current interest rate is 7.75 %. Why is this kind of unethical " practice '' legal, and what can I do? It's absolutely ridiculous that lenders can steal from borrowers as that is precisely what they are doing when they keep hiking up interest rates to keep you indebted. I do pay on my loans to the best of my ability in the hope of reaching the finish line of being student loan/debt free. But at this rate it is almost impossible when the lenders are allowed to sink their theiving fangs into people like myself who are trying to rid myself of the modern mob bosses who have free reign to do as they please to exploit the poor.
Complaint sub-issue: Information belongs to someone else

Attempted to file a dispute online. After filing the dispute, I received an email stating that the results were ready. Following the link provided attempted to log in. The website states : " We need more information to confirm your identity '' and gives a telephone number to call. After calling the number provided spoke to numerous agents all claiming that they would " Connect me to someone who can help me log on, '' no agent was willing to help me log on and they continued to transfer me to other agents. The agents then pretended that they were having problems hearing on the telephone.The behavior became abusive. The agents then disconnected the telephone call without providing any assistance. I was unable to view the result of my dispute for a collections report of an account that was not mine. I am not sure how to resolve the problem since I am suffering from an unfounded collection report on my credit report and can not receive any assistance from the personnel at Equifax.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX XXXX had a hard hit on my credit report when in fact this account is a corporate account. I was simply signing a contract on behalf of my job duty as XXXXXXXX XXXX. I have absolutely no personal obligation for this debt and this attorney never had the right to obtain my ss # for this matter, period, and to run my credit without my permission! This attorney and the collections done on my personal credit report have impacted my ability to obtain new financing. I believe this is their way of trying to get me to pay and a threat that if I dont pay that it will remain on my credit report!
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

They sent a letter saying that they won a case in court and that if we don't pay or make arrangements will face jail.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I received numerous repeated calls from IC Systems in attempt to collect XXXX. Finally realizing what was happening, I called on XX/XX/2020 at XXXX XXXX, and said it was not a valid debt and I did not wish to be contacted in any capacity in the future. After this, I still received email messages and calls. I want these stopped.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXXXXXX ran my credit without my permission back on XX/XX/XXXX, and they used Corelogic Credco to do it. I reported XXXX XXXXXXXX XXXX to the CFPB on multiple occasions in XX/XX/XXXX/XX/XX/XXXX, and  they said they would have Corelogic Credco remove the hard inquiries. Corelogic Credco was supposed to have the hard inquiries removed from my report all the way back in XX/XX/XXXXof this year, but they haven't. XXXX still has the hard inquiry from them. I contacted Corelogic Credco on XX/XX/XXXX, and they said I needed to submit a written request to them to give to XXXX  to remove the hard inquiry. I sent it via email ( Corelogic Credco said it was acceptable ), but over a month later, the hard inquiry from XXXX  is still on my report, and I've been dealing with the whole situation for over half a year. Attached is the email I sent in XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX -- Account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX  -- Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Complaint sub-issue: Problem with customer service

Due to poor customer service at Mohela, I'm unable to have my application for XXXX processed. In XXXX or XXXX XXXX  XXXX  I submitted an application for XXXX to XXXX XXXX. I received a letter in XXXXXXXX XXXX XXXX  informing me that my application was received and would be sent to Mohela for further processing. I then spent the last several months trying to get in touch with someone at Mohela. However you can't send them a message without an account, so I created an account and sent a message. Unfortunately, I never received a response to my issue, only a generic response about the XXXX program. I also tried for months to contact Mohela by phone, but was never able to wait the time required to speak to their customer service representatives. I finally was able to speak with someone today. They informed me that my application was approved, and that they were waiting on my loans to transfer. I was able to confirm with my loan servicer, XXXX, that a request to have my loans transferred to Mohela was never received. I asked XXXX if I could have the funds transferred, and I was informed only Mohela could do so. I told Mohela today that XXXX never received the request for transfer of my funds. I asked Mohela to re-submit the request. After an hour plus wait, they informed me that they could not. I asked to speak to a supervisor and after an hour and a half of waiting, have still not been able to speak to anyone. I do not understand why they can not re-submit a request for the transfer, am at a loss as to how to resolve the issue, and am deeply frustrated with their poor customer service.
Complaint sub-issue: Account information incorrect

This account has been paid in full I tried to dispute online but with XXXX credit bureau but I keep getting errors messages unable to complete this action at this time please try again later! I will upload a receipt for proof of payment please modify account or delete it as I was not notified of the furnishing of this account because the company didn't have my updated contacted information until I called the and gave it to them please remove item from my credit reports thank you! Do to I was not properly notified about such account.
Complaint sub-issue: Information belongs to someone else

An account that does not belong to me at all randomly showed up on my credit report. I have no connections with this bank nor creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} Date Opened XX/XX/2022 That account is not mine nor does it belong to me it is a result of identity theft so please remove it.
Complaint sub-issue: Information belongs to someone else

I am a current victim of identity theft, XXXX, Equifax, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX, XXXX XXXX XXXX ( {$830.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX ( {$330.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.
Complaint sub-issue: Debt was paid

This is the second fraudulent notice I've received from a company regarding an alleged outstanding amount due on an old XXXX internet account. 

When the first debt collection agency sent me debt notices ( a year ago ) I called and spoke to them, explaining that the account balance on that ( closed ) XXXX account was ( and still is ) {$0.00} and that there was nothing to collect. They did not contact me again. 

Now this is a new company claiming the same amount on the same XXXX account ( the balance due on which is still {$0.00} ), and rather than go through all this again in another year 's time I would like this to simply stop. 

Can you help?
Complaint sub-issue: Information is not mine

Someone stole my personal information and identity to open up unauthorized and fraudulent accounts using my name. I have received harassing and threatening telephone calls and death threats from various credits, for unauthorized and fraudulent accounts that do not belong to me. The following unauthorized and fraudulent accounts do not belong to me : XXXX, XXXX XXXX XXXX, XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  / XXXX, XXXX XXXX  XXXX, XXXX XXXX I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Complaint sub-issue: Reporting company used your report improperly

ALERTS & HISTORY DISCOVER BANK obtained a copy of my XXXX Credit Report. 
Alert Date:XXXX2017 Source : XXXX Company : Discover Bank Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX phone number : no Phone number prone number ..DISCOVER BANK is in violation under the federal and state law, have NOT allowed discover bank to go into my credit report as a result of a loan or credit application. 
ILLEGALLY OBTAINED A COPIE OF MY XXXX  CREDIT REPORT. 
I have not givin Discover Bank permission nor i have not put in an application for any loans. im on XXXX .XXXX XXXX XXXXXXXX. this is my 3rd or 4th times this is and has happened ..intent to commit fraud to get my pvt.information that causes Idenity theft.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX  closed the account and sold it back to original creditor. Please remove from my credit file. 

See attached letter from XXXX
Complaint sub-issue: Account status incorrect

I never owed anything to these people. Show my signature in blue ink because these accounts are showing closed and open on my credit report. Itemized screen shots isnt my signature nor my bill.
Complaint sub-issue: Other problem

Received obvious fraudulent email. I have never been issued a Discover credit card.
Complaint sub-issue: Information belongs to someone else

I have disputed the following accounts before, all to no prevail. The credit reporting agencies either put a remark on unauthorized accounts and/ or response stated " account verified ". Verified by whom?, and how, when and what certified documentation used to equate to your remarks and findings. I'm demanding the Method of Verification used in the process of this dispute, if this can not be provided then as stated within the literature of the FCRA these shall shall be blocked immediately. The disputed accounts are, ( 1 ) XXXX XXXX   {$0.00}, ( 2 ) XXXX XXXX XXXX {$0.00}, ( 3 ) XXXX XXXX XXXX XXXX   {$2600.00}, ( 4 ) XXXX XXXX XXXX {$0.00}, ( 5 ) XXXX XXXX XXXX {$0.00}, ( 6 ) XXXX XXXX/ XXXX, ( 7 ) Bankruptcy XXXX, {$0.00} Identity has been compromised please remove
Complaint sub-issue: Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOEXXXX Company Inquiry : XXXX XXXX
Complaint sub-issue: Account status

Equifax is still showing account balances for two accounts that I have paid in full, and are now closed. One with the XXXX and the other with XXXX.
Complaint sub-issue: Attempted to collect wrong amount

AFNI began correspondence with me XX/XX/XXXX regarding collections of {$130.00} for acct. # XXXX. In responding to their claim, we have been going back and forth regarding this matter with the latest letter from me dated XX/XX/XXXX. I have made countless requests asking for documented proof of an agreement between myself and their customer ; they were only able to provide my final bill. 
Dates of communication : XXXX XXXX - my response was XX/XX/XXXX AFNI XX/XX/XXXX mailed me a copy of my final bill- AFNI XX/XX/XXXX mailed a letter stating their verification of the acct with the customer- I responded XX/XX/XXXX AFNI XX/XX/XXXX mailed another letter stating their verification of the acct with their customer- I responded XX/XX/XXXX AFNI XX/XX/XXXX third letter stating their verification of the acct with their customer- I mailed a letter XX/XX/XXXX to both AFNI and Comcast regarding the standstill of possible resolution and their responsibility to provide due diligence to ensure accuracy of their claim. 
AFNI XX/XX/XXXX mailed the same form letter a fourth time stating verification of the acct.- I responded XX/XX/XXXX AFNI XX/XX/XXXX letter stating their previous investigation and how I have not provided any new facts to warrant a valid dispute.- I responded XX/XX/XXXX explaining my intention to file a complaint with CFPB and FTC. I have not received any response to date.
Complaint sub-issue: Trouble with how payments are being handled

I have XXXX Student Loans with Sallie Mar ( SM ) for which I am on monthly payment plans. Only 2 loans are currently due for payment and the 3rd loan was not yet due. Without notice, SM put the 3rd loan into automatic repayment status. When I called them about it they did not have any explanation, other than they I owed $ $ $ to bring it current. I told them that the 3rd loan had been in deferred status and was not due till month later. They did not care but keep transferring me from 1 customer rep to another.

I them made some arranges to bring up the payments of the 3rd loan. However, a few weeks ago, i got notification from my credit report that an account is reported as delinquent. When I looked it up, it was one of the SM accounts that I have been paying on. Not only is this information incorrect. It is unethical ( and should be illegal ) that companies like SM are reporting negative to student Credit Reports during an economic crisis.
Complaint sub-issue: Was not notified of investigation status or results

Since XXXX of this year I 've asked all three credit bureaus to please provide verification of about 7 accounts on my credit report. I 've sent more than 4 different requests to provide this verification over the last few months but I get the response that they have been verified. what I 've been looking for is a signed contract with the creditor or application I signed for this credit but they just respond that they are verified. Frustrated because I do n't believe they are really verifying those accounts and they are not mine. they wo n't delete the accounts from the reports or send me the required verification seriously impacting my interests rates
Complaint sub-issue: Transaction was not authorized

XXXX / XXXX / 2017 , Discover Bank created a check and called it check no.  XXXX  in the amount of  XXXX  against my account. they fraudulently signed my name and put under it By Discover Bank, authorized agent. I was shocked when I saw this. I never knew anyone could do something like this. This is literally stealing money from my account.   XXXX  I never authorized this and have tried to get them to refund my money but they refuse. They claim I agreed to this over the phone but I never did.