vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Noticed three items on credit report for Midland Credit Management- I have never opened an account with Midland Credit Management, that they are saying I opened these account XX/XX/2022, XX/XX/2022 and XX/XX/2022. Did try disputing with credit bureaus - no luck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I completed a Chapter XXXX bankruptcy and it was dismissed. My mortgage company XXXX XXXX gave me a new loan of which XXXX have been making my monthly payments on time, in the amount of {$2400.00} for XXXX  months. These payments are not being reported on my Credit report and they are refusing to do so.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
I finished paying my car noteLast year XXXX ( 2022 ), however sometime before that, in XXXX ( 2022 ), about a month before i made my finalpayment, Automotive credit corporation ( acc ) reported that I was 30 days late on my payment. I called several time and exchanged emails etc. XXXX ( rep from ACC ), respondedwith justifications as to why that late report is on my report etc. ( see thread ) Eventually, your team sent me my title but the late payment report had already been done.

I recall talking to ACC team several times in XX/XX/2022 about why my creditreport is showing more balance than it should. A team member informed me that automotive is changing its systems and for that reason, balances showing on each credit bureau is different. I gave their team grace to correct this balance inaccuracy. AroundXXXX XXXXXXXX, there still was no correction yet. ( I assumed automotive was still changing database systems ) Again, I emphasized to the representative that if i were late for my payment, Automotive will charge me a late fee and also report to the credit agencies. I stated that if that correction is not fixed, i will not make payment on time for my next month. ( All of this, i have on recording and i believe your team has on recording as well ). Indeed if i was late on payment, automotive quickly reported that late payment to the bureau.

Fast forward to today, this isscrewing me up big time because I can not purchase real estate whatsoever.

At this point, all I am asking is a resolution regardless of who is to be blamed. As customer goodwill/ courtesy ; is XXXX or anyone capable to update the creditbureauwith a letter or something so that it can be fixed/taken off my report?

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 2023-09-20 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: MN

Complaint narrative:
Midland Credit Management are trying to collect a debt of {$6100.00} that I didn't do or have acknowledgment of until it showed up on my credit report about almost a year ago and I have been trying to get it off ever since. I think I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX, I get back to too back phone calls from my bank, but the claim they dont call people then I proceeded to answer this phone call. I answer this phone Call remind you I am at work in XXXX Arizona. The person on the other line did everything that chime does ask for my name and last for of my social so I did what they ask the person on the other line see you tell me that someone was trying to break into my account that we needed to follow some steps to make sure they didnt get into my account I said thats fine so they did what they did. ask me a few questions and then I got off the phone with them when I got off the phone with them. XXXX minutes later I checked my bank account and my money is gone, so I called them back talk to some lady on the phone and she tells me they couldnt do nothing until after the transactions werent pending no more to call back after they got done painting so the next day which is XXXX, XX/XX/XXXX around XXXX the transaction werent longer pending so I deal with the lady said and disputed the charges within an hour. After disputing charges I could email from them saying there was no error that my phones will not be given back to me so I called them back. They told me they were re-open the case and I will look into it. I said OK within an hour of getting off the phone with them. I get another email saying no error has been found. No refunds will give them back to you. So I called them back when over everything again the agent told me that something doesnt look right and the well put special note. Got off the phone and with a hour got another email say no error has happened and no refund well be given, so I called them back at this point its XXXX XXXX  on XX/XX/XXXX talk to another agent and he proceeds to tell me to send documents proving my statements so I did sent documents of the call. Log the text message of me, refusing these transactions and my paystub showing that I was in Arizona at the time and date. Then within hours got another email say no error was found, called them back went through each documents with a supervisor of the dispute team her name was XXXX and she said it looks like fraud. That she would put in special note in my case. I get off the phone with her at XXXX XXXX  at XXXX XXXX  get another email say no error has happened so no refund well be given. So called them back they went through the same thing and the opened my claim again and to write a email to the support time stating my claim that what I did with in a hour got same email. These people took XXXX transactions happened in XXXX Florida  well I was in XXXX az and like I explain to the people one of the charges were at a gas station, so how can I physically be in XXXX Florida making a purchase at a gas station with my card that I have on hand I am in XXXX Arizona.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
XX/XX/XXXX, purchased a dress at XXXX. that there was none in my size instore. Requested sales clerk to cancel order if there was a {$9.00} shipping charge. Sales Clerk manager informed that shipping charge would be waived if purchase was charged to my XXXX card. Due to XXXX sales clerk error, my charge card was charged twice for the one requested item. On or about XX/XX/XXXX, I submitted a complaint using XXXX website, XXXX representative XXXX XXXX responded to my complaint from email XXXX I disputed one of the charges. I received two dresses by mail at two different times. I returned both dresses at two times. It was my understanding that all was cleared up until I found a notice in my accumulated mail.I contacted XXXX and case XXXX was opened to investigate the issue. I contacted XXXX XXXX several times and informed that the current balance on my account is being investigated. Records will confirm that my XXXX balance is XXXX within the thirty days of a charges. I'm requesting that XXXX XXXX remove the negative entry from my credit report, due to the whole issue was initiated due to the poor quality performance of XXXX Sale clerk charging my charge account twice when it should have been charged once. In additional, taking consideration that If there was no doubt I owed the balance, as in the past I would have had no problem paying the charged amount within 30 days as I normally do. I shall greatly appreciate any and all assistance in this matter. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I submitted my Income Driven Repayment plan application through studentaid.gov and that same day received a confirmation email from the US Dept. of Education, saying that I could expect to hear from my servicer within four weeks ( though it could take longer if the servicer needs more information from me ). On XX/XX/2023, I received an email from my servicer Nelnet, saying that they had received my IDR application, and asking me to make any payments due under my current payment plan until the completion of their review. On XX/XX/2023, I received an email from Nelnet, saying that my application is in process, and that if they haven't finished processing my application within 10 days, they will keep me informed with a follow up email. On XX/XX/2023, I responded to Nelnet 's XX/XX/XXXX email, noting that more than 10 days had elapsed since their email promising to keep me informed, but that I had received no follow up. I have still not received any response to that email. Today, XX/XX/2023, I received an email from Nelnet simply telling me that my student loan billing statement is now available. That statement shows that I'm still not on any IDR, that my stated monthly payment is over {$2000.00}, and Nelnet indicates that my next payment is due XX/XX/2023. It has been well over 4 weeks since I submitted my application. I have provided all of the necessary income information. Nelnet 's failure to process my application is unacceptable. I can not afford the full payment is coming due in the very near future. I need my loan servicer to get their act together and respond to my application in a reasonable time frame, and in any event, in advance of the next payment due date, especially considering that I submitted my application XXXX  days before that due date. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting 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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The following corporation Comenity Bank XXXX  XXXX XXXX and XXXX XXXX is reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. XXXX is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately. 
According to XXXX 's own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. Comenity Bank XXXX XXXX XXXX and XXXX XXXX must remove delete all income ie 1099c from being reported to my credit reports In summary it is abundantly clear to all parties that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as Comenity BanXXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX themselves should not be reporting income. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns Can income be reported on credit report? Income isn't even on your credit reports so it can not be considered in credit scores because credit scores only consider what's on your credit reports, XXXX explains. In fact, no wealth metrics are factored into your credit scores. What information Can not be included in a credit report? For example, a credit provider might ask you for information about your income when you make an application for credit. The credit provider can not give information about your income to a CRB to be included in your consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
The following corporation Discover Bank, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX is reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. Income is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately. 
According to XXXX 's own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. Discover Bank, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX must remove delete all income from being reported to my credit reports In summary it is abundantly clear to all parties that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as Discover Bank, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX  themselves should not be reporting income. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
It's been many disputes I've made on this account for Midland credit management through XXXX XXXX and XXXX and for some reason it's always been updated I believe that inaccurate information should be deleted off your credit report also I believe XXXX XXXX and XXXX should be fined .for letting inaccurate information exist. When i do send a dispute to XXXX and Midland credit the only thing Midland credit does is change my balance up a dollar or down a dollar and put it back as updated and it just makes my credit score go down they've been changing the amount I owe for years and it just goes back to XXXX XXXX and XXXX as updated. I have proof that they done this at least XXXX times just change my balance from up a dollar down a dollar. On a balance that can't be changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
At the end of lease, I contacted Chase ( XXXX XXXX XXXX ) and advised that I needed 4 extra days to return the car. I was told there is a grace period of 10 days ( the same thing I was told when I returned a previous vehicle to the same financier ). I returned the car 3 days later. Chase has reported a late payment for a full month to the credit bureaus and will not work with me on reducing the cost. They believe a full month payment is due even though I was told otherwise ( they claim to not be able to locate the call ) and only used the vehicle for 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I was completing a transaction on the website XXXX for sale of some furniture for a total of {$720.00}. Buyer told me he was being relocated and his company would be emailing me a certified check in the amount of {$2100.00} that I could mobile deposit, and y instructions were to deposit, then XXXX the moving company for arrangement of pickup. 

I mobile deposited the check into my Wells Fargo Account, and the funds were made available on XX/XX/XXXX, so I completed the XXXX transaction. 

Soon after providing verification of the XXXX Transfer, the buyer then messaged me that more was needed for the moving company, so he was sending another check of {$2600.00}, which I was to XXXX again to the movers. 

I became more suspicious, but I made the deposit, then called Wells Fargo Fraud Detection, as I thought something was up. XXXX with Wells Fargo advised on a reccorded line that the check cleared. I waited the weekend, then went to a branch to show them the checks, which they advised didn't match the previous bankers check. I called Fraud Protection and was again told on the recorded line the checks both cleared, but immediately opened up a claim with Wells Fargo Fraud Protection with XXXX XXXX XXXXXXXX for the deposit and XXXX XXXX XXXXXXXX for the XXXX Transaction. 

On XX/XX/XXXX, both checks were returned, with lost funds on the XXXX transaction resulting in my account being overdrawn. I called back to Wells Fargo to inquire if they were going to be able to refund the {$1400.00} for the XXXX transaction and they advised it would take XXXX days. 

Wells Fargo does not have stops in place to protect me as a customer, as I was told twice that the checks were good and cleared, even while being suspicious.

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 2023-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had two investment accounts with Bank of the West. BMO purchased Bank of the West. One of my investment accounts transferred over ; my other investment account did not transfer over. I called BMO. They said I had to open a new account and then call them so they could fix the problem. I opened the new account. I called them back on XXXX XXXX XXXX Now they are telling me that they can not locate my second account. They are telling me that they can not see what accounts I had with Bank of the West. The representative told me that I need to contact Bank of the West. But there is no Bank of the West anymore. It was bought by BMO. Even when I try to go to the bankofthewest.com website, it re-routes me to bmo.com. I asked for a supervisor and was told everyone is " in a meeting '' and I would get a call back. Nobody called me back. I am worried they lost my account and do not understand why they can't find my account. Clearly something in the transfer happened - why would one account transfer over and the other not transfer? And why can't they see what accounts I had with Bank of the West? They should be able to fix this and give me access to my second investment account.

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 2023-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
Comenity Bank provided me a credit card through a purchase at Jared. I was not told at the store my loan is a promotional plan. I enabled automatic payments and thought it was being paid accurately. I was then hit with deferred interest payment and was never notified of this. I have opened other cases and they keep on saying that it is my fault for not knowing I was in a promotional plan. There was never a warning sent to my email ( after they aggressively asked me to go paperless ) and the warning on my statements are in a small box at the bottom. They are deliberately trying to do the bare minimums in notification so they can prey on customers with deferred interest. 

If they truly cared for customers they would actually notify them. I never even got a notification AFTER they added the interest.

Company response to consumer: Closed with explanation