vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Mi, XXXX Email Address : XXXX Phone Number XXXX Date XXXX Midland Credit Management , Inc . 
Attn : Consumer Support Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX And XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Dispute of Account Information on Credit Report Dear Sir/Madam , I am writing to dispute an account that has been reported on my credit report. The account is under the name of XXXX XXXX and is affiliated with your organization, Midland Credit. I am formally asserting that this account is not mine, and I do not hold any responsibility or knowledge regarding its existence. 

The disputed account has been listed on my credit report, and I believe this is a grave error that needs immediate rectification. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and verify the accuracy of this information promptly. 

The specific account information is as follows : Account Name : XXXX XXXX Account Number : [ XXXX ] U/N Reported By : Midland Credit/ closed by XXXX XXXX Please XXXXovide me with the documentation that your company has, which associates me with this account, or remove this account from any credit reporting agency if such documentation does not exist. As per the Fair Credit Reporting Act, you are required to promptly correct or delete any inaccurate, incomplete, or unverifiable information. 

If you find that this account indeed does not belong to me, I request that you contact all of the credit reporting agencies to which you have reported this account and inform them of your findings to ensure this error is rectified across all my reports. 

Please send me a written confirmation once this issue has been resolved. I look forward to your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX please update any information you may have wrongful provided to cc : XXXX, XXXX, XXXX Im my behalf to correct this error Also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: PA

Complaint narrative:
I requested a thorough investigation on this account. The company sent a generic statement that does not provide any proof that I owe this debt. The statement has an address that is foreign to me and dates back to 2017. I am requesting that this company Consumer adjustment company provide the original contract with my signature for this debt as they have refused to stop reporting the debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
At XXXX XXXX  on XX/XX/XXXX I received an unsolicited email from Navient with subject " Change in Loan Terms '' telling me that the payment term for my loans has changed. 

When reviewing the new terms I can see that they have extended the term of my loan by 5 years and nearly doubled the mount of interest they are charging. 

The previous Loan Terms I have documented from XX/XX/XXXX state : Number of Payments : XXXX Payment Amount ( $ ) : XXXX Payoff Date : XX/XX/XXXX Estimated Total Interest Amount to be paid : {$1100.00} The one I just received today changes these terms to : Number of Payments : XXXX Payment Amount ( $ ) : XXXX Payoff Date : XXXX/XXXX Estimated Total Interest Amount to be paid : {$1800.00} This is completely unethical to change my payment terms without my request, especially when enrolled in Auto-pay. This is a 100 % money grab and only serves Navient to generate more interest income at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Nelnet is reporting a loan as delinquent ( seriously delinquent of more than 120 days ) from the pandemic pause period. As a XXXX XXXX with federal student loans, I followed studentaid.gov and watched that there was no action needed to pause loan payments. I have previously disputed the errors XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX along with a few other dates, they updated some months as current but not all. 
I called Nelnet and was on hold for over 2.5 hours. When I got an agent they told me that loan was brand new to them in XXXX. Then said o wait no its not. Then said yes it was covered then no it wasn't. They told me they would get me to the department I needed to further discuss this issue. Then she came back on the phone and told me she talked to them and the report would stand. I said no I would like to speak to them. They were already told potentially erroneous information by the Nelnet agent. 
Frankly I am not wanting Nelnet to even service my loans, I don't feel I can trust them. 

I want the 4 late payments on my credit report removed, as a XXXX XXXX in the global pandemic, I am not sure how working 80 hours per week, and catching XXXX  and being down and out form XXXX to XXXX and then returning to work is an offense to have 4 late payment notifications when we weren't supposed to owe during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I noticed overdraft in my Capital One Checking account. I called Capital One and they acknowledged that duplicate payment ( I did not set up ) was sent to my Capital One credit card. They refunded overdraft fees and told me to call the Credit Card to see why it was taken. 

Capital One Credit Card told me that it was the bank that sent the duplicate payment. I told them I would be making a big deposit soon and wanted to ensure they would not RETRY the duplicate payment. On Thursday, XX/XX/XXXX, I deposited money into my checking account and on Friday XX/XX/XXXX, the credit card company DID retry to take the duplicate payment and were now successful because there were sufficient funds. 

The money was deposited into my account because I have to pay other bills to pay. I called the credit card and bank on XX/XX/XXXX to have the duplicate payment refunded to my account. I was told that I can dispute the charge and an automatic provisional payment would be returned to my account. That did not happen. 

I was told it would be expedited because both banks are Capital One. 

Upon calling today, XX/XX/XXXX, I was told that there is no way to expedite this, and it would take 10 business days to return my duplicate payment. They also told me that someone on their side " made a mistake '' when filing the claim, which has reset the clock. 

Capital One is not returning the overpayment that they made in a timely fashion and now I can not pay the bills that are due. 

I have had to call them multiple times without any satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Credit Acceptance ( Lender ) FAILED TO PROPERLY APPLY PAYMENTS MADE ON LOAN made by BORROWER and changed loan agreement to apply payments on account as interest bearing rather than on the balance as BORROWER signed too! Lender DEMONSTRATES BAD BUSINESS PRACTICES and fraudulent credit reporting attempting to obstruct borrower from paying loan off early. LENDER CHANGED the loan agreement after BORROWER cancelled the two contracts lender insisted it buy. The balance should've been {$14000.00} on XX/XX/XXXX, with payments deducted from the balance, all payments made to date have been paid in INTEREST BEARING only, unbeknownst to borrower until yesterday XX/XX/XXXX. This is predatory lending and fraudulent bad business practices.

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 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UPGRADE, INC.
State: VA

Complaint narrative:
All dates/times listed below are in XXXX XXXX XXXX. 

On XX/XX/XXXX, I opened Rewards Checking Plus from XXXX ( https : //www.upgrade.com/ ) after seeing " Earn {$150.00}! * Once you sign up for Rewards Checking Plus and direct deposit at least {$1000.00} in XXXX  days, both you and your friend can receive a bonus. '' The terms and conditions ( which I have saved to my laptop ) state : " New Customers If you do not currently have or have not previously had a checking account through Upgrade ( a New Customer ), you can receive a Welcome Bonus ( defined below ) if you ( 1 ) use an Existing Customers unique referral link to open a new checking account through Upgrade, subject to account approval, by the Offer Period, and ( 2 ) set up direct deposit and make {$1000.00} in Eligible Direct Deposits within XXXX ( XXXX ) days from account opening ( a Qualified Registration ). If you complete a Qualified Registration, you will receive a welcome bonus in the amount presented to you when you open your checking Account if your account is opened by the Offer Period [ and you make the requisite deposits ] ( the Welcome Bonus ). '' On XX/XX/XXXX, a part of my salary ( {$1000.00} ) was direct deposited into the said account, which was well within the XXXX days mentioned in the terms. 

At some point, I stopped seeing a relevant promotion in their mobile app. On XX/XX/XXXX, I called customer service about why, and I was told that the promotion " expired on XX/XX/XXXX. '' I told her that I should have XXXX  days to make the direct deposit according to the terms, but she just repeated the same response over and over again until I hung up. 

XXXX was XXXX days after account opening. It's been XXXX weeks since the XXXX days passed from account opening, and I still haven't received the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the presence of certain items in my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number [ XXXX ] for this incident.

As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information.

I hereby request the immediate removal of the following accounts from my consumer report : Account Info Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquires XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX These accounts were reported without my written consent and are a direct result of the identity theft incident, as indicated by my FTC reference number [ 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 non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
Car received hail damage onXX/XX/2023, on XX/XX/XXXX,XX/XX/2023insurance sent a check for {$9800.00}. We decided to pay off loan instead of repair. As directed by customer service we sent check and all pertinent information to Kia Finance. Certified mail, which they received on XX/XX/23. Because I was told wrong information they were processing a check for body shop. OnXX/XX/23 I sent an email advising that I wanted the check to go to payoff and not repair. On XX/XX/23 received email that it was changed and it will be applied to payoff. On XX/XX/23 I called regarding title because email stating it was sent on XX/XX/23. Was told it was sent to insurance company, and the refund will take 30 days from payoff. Called my insurance company they did not receive title. When I calledXX/XX/23. They will not issue duplicate title without insurance ok. And the refund has not been sent because a manager has to sign it. I feel like I am getting the run around.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  XXXX XXXX XXXX -- IDENTITY THEFT XXXX  XXXX XXXX XXXX XXXX -- IDENTITY XXXX XXXX XXXX  XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I was contacted by someone claiming to be with XXXX  XXXX XXXX by the name of XXXX XXXX extension XXXX. The number he was calling from was a real XXXX number. He told me a checking account was opened in my name and that they had received some suspicious XXXX transfersnone of which I had ever done. He said my account ending in XXXX was opened on XX/XX/XXXX. He said the last transaction was a transfer to XXXX XXXX for {$980.00} and {$1000.00}. He said there was an ATM withdrawal in New Mexico for {$300.00}. He gave me case no. XXXX. He told me to call XXXX immediately and gave me cancellation code XXXX. He said to call XXXX at XXXX XXXX and to press XXXX for sales support. The number he gave me was a real Wells Fargo number. I called the number and I spoke with someone claiming to be XXXX, names XXXX XXXX of customer Service. ID XXXX. He then had me set up a XXXX recipient as XXXX XXXX on the phone under the premise that I enter the cancellation code into the payment amount and no money would actually be sent. I never consented to sending any money. He also gave me a memo number to fill out. I asked him to send verification that this was actually XXXX. He sent an email under the domain name XXXX. Then when I entered the cancellation code into the payment to XXXX it came out to {$1900.00}. He said this amount will not send and that I should receive a text message so that no funds would be taken out of my account. I followed his instructions and the funds were taken out of my account and I never got a text message. Then he said there was an IT issue so he put his manager on the phone. The manager 's name was XXXX XXXX. He said my number was not getting recognized and someone had cloned my phone number so that's why I wasn't getting texts from XXXX. He had me go into my XXXX XXXX and add my debit card. He had me set up XXXX XXXX with no balance and tried having me send XXXX XXXX but assured me it wouldn't work because I had no funds in XXXX XXXX He then said that they're sorry for the inconvenience but XXXX will be issuing a refund and someone will call me tomorrow XXXX  at XXXX to confirm. I then reported all this to my bank, Wells Fargos fraud department. Someone claiming to be XXXX refund department did call me back at XXXX XXXX  on XXXX  XX/XX/XXXX on a non- legitimate number and I told them I am reporting fraud and they hung up. I never received a refund from either XXXX or Wells Fargo. I filed a police report with XXXX and XXXX  XXXX department. I also filed an FTC report. Wells Fargo denied my claim even after I gave them my police report numbers.

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 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
My lease is financed through Mazda Financial Services ( MFS ) and the maturity date is in approximately XXXX  days ( XX/XX/2023 ). As with many leases, per the contract, I have the option to purchase the vehicle at lease end for the amount specified on the contract ( plus applicable taxes ). 
On XX/XX/2023, I attempted to arrange the purchase of my lease on the maturity date directly through Mazda Financial Services. However, because my vehicle 's garaging address is in North Carolina ( based on my home address ), Mazda Financial will not allow me to purchase my lease through MFS and instead requires me to purchase my lease through a dealership. 
On XX/XX/2023, I contacted XXXX local dealerships ( one of which is where I initiated my lease ). I am not stating the names of the dealerships in this complaint for fear that they will refuse to allow me to buy out my lease. I will provide this information if I am reassured that the dealers can not retaliate. 
Dealership # XXXX will only facilitate a lease buyout if the lessee agrees to a vehicle certification, which costs {$2400.00}. This is in addition to a {$990.00} administrative fee. If I elect to not certify my vehicle, Dealership # XXXX will not facilitate the buyout. 
Dealership # XXXX charges a {$750.00} origination fee and does not require vehicle certification to facilitate a lease buyout. However, they do require customers to finance the lease buyout via the dealership, who will select the lender and initiate the loan origination process. If I want to pay in cash or obtain my own financing, Dealership # XXXX will not facilitate the lease buyout. 
As is evident from above, Mazda Financial 's requirement for dealers to facilitate all lease buyouts in North Carolina leads to additional fees above the agreed-upon contract price and is based entirely on dealer discretion ( i.e., no dealership is obligated to facilitate my buyout, and I must agree to one dealer 's terms if I want to buy out my lease ).

Dealers are not financially motivated to dedicate time and effort to lease buyouts. Consequently, they resort to predatory behaviors, such as those listed above. I should be able to purchase my vehicle for the amount outlined in the contract.

Company response to consumer: Closed with explanation