vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Balance {$120.00} Past due {$97.00} In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. This also states a balance of {$120.00} with a past due balance of {$97.00}. This is inaccurate and needs to be REMOVED. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. Also balance is listed as a Charge Off. The IRS Defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. No 1099c was given therefore this is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX  Account Number XXXX Balance {$120.00} Past due {$97.00} In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. This also states a balance of {$120.00} with a past due balance of {$97.00}. This is inaccurate and needs to be REMOVED. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX Reported Balance of {$440.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. Also balance is listed as a Charge Off. The IRS Defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. No 1099c was given therefore this is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY

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 2024-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have given multiple times to cure. I asked Wells fargo to send me the original wet signature contract between Me and Wells fargo stating I will pay the alleged debt. I have given XXXX and Wells fargo 4 months to present said contract and all I've receive was that they need more time. I demand Wells fargo be deleted permanently. XXXX delete Wells fargo from my credit report and Wells fargo 10 mins later reinsert the negative item again. 
My right to privacy pursuant 15 USC 1681b 2 company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. Also if a debt is written off, then that said debt is paid pursuant to 18 USC 8. I owe no debt. 

Wells fargo # 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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
The company refuses to say given name. Email XX/XX/2023 XXXX XXXX  I am being asked to pay a debt that my guardian the XXXX  government is assigned to pay by federal government. Email disregards title in given name under state XXXX XXXX, and federal government in, I, being, the XXXX ; of XXXX & XXXX than refuses to say given name in attempts to collect debt from XXXX XXXX  placed in hindrance from error to view an adjustment to initials by an authority from XXXX. to XXXX. where as revolutionary contribution to our nation is ignored while I being XXXX with bare arms established XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX live without a bank free of insubordination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Glacier Bancorp Inc.
State: CO

Complaint narrative:
Weve been working with XXXX XXXX in XXXX XXXX on an XXXX loan since this summer. Throughout this time we have struggled with XXXX XXXX timeliness to communicate, respond to our questions and his overall lack of asking questions. Hes been provided with our financials and until we demanded to have an in person meeting he was under the impression that we made significantly less money than he was provided. 

I understand that he has had some major family issues but the lack of communication has been throughout this process months before his daughter was ill. 

Many times Ive called the bank and hes not even at the bank, hes out of the office for various reasons. 

Weve had to change our closing date because of XXXX lack of dedication to prioritize us. 

After our face to face meeting XXXX assured us he would have the appraisal ordered for our building before the end of the year. Today is XX/XX/XXXX and we have no information on what's going on with our loan or with our appraisal. 

My husband has also called and emailed as it seems that speaking to men seems to motivate him more than communicating with a woman. 

Ive asked XXXX if there is a back up person who we can speak to since getting in contact with him has been so difficult and again we havent heard anything back. 

As of today we are receiving word from the owner 's realtor that they are not planning on extending our contract again. I am very frustrated with how this process has gone and the overall lack of communication. The only time we speak with XXXX is when we have called him several times and asked for updates. 

I have several emails Ive sent to XXXX asking for updates, asking for clarification and even an email from him indicating he didnt need anything more from us only to find out in our in person meeting that there was more information needed from us. 

Something even more alarming is other people and loan supervisors were aware that XXXX was having problems and no one reached out to anyone on his caseload. This doesnt seem ethical or how a business should be run. 

XXXX  lack of prioritization of our loan has impacted my business and my family greatly. 

Our loan officer was out of the office again the week of XXXX and this is when a supervisor discovered that our paperwork had been misplaced, we werent even in the system and we had made no progress on our loan. We had a closing date of XX/XX/XXXX. Nothing had been done on our loan. 

This bank had a fiduciary responsibility to us and to our business and it seems that they sabotaged us intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
Ordered from XXXX on XX/XX/2022 with payment plan through Affirm. 
All items were returned. 
Affirm did not resolve pending returns with XXXX, account status showed a remaining balance. 
XXXX confirmed the remaining balance was less than what Affirm showed. 
Paid remaining balance once XXXX and Affirm settled the dispute and confirmed all items were returned. Affirm provided documentation of proof ; responsible for repayment was false and account was paid in full. While the disput was being settled between XXXX and Affirm about the returned products, Affirm falsely reported late payments to my credit report showing as a negative. Provided proof to XXXX and they still did not correct or remove the false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
Sunrise Credit Services filed a collection of {$2500.00} related to an XXXX XXXX XXXX  account. They filed this on XX/XX/2023. 

I have never had an account with XXXX XXXX XXXX This is a fraudulent account ; this collection is causing me a great deal of stress as well as damage to my credit score. 

I have filed disputes with all three credit reporting agencies but have not had success.

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 2024-01-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax XXXX XXXX dealer XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I never applied for any of the items. I called Equifax and asked them to dispute the items along with a police report and they said that they cant do anything. The items are fraudulent on my credit report and its stopping me from obtaining things I need to do in life to better my family. Some items are reporting twice on my report. FCRA requires that all items are supposed to only report one time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid {$3600.00} on XX/XX/XXXX via debit card with XXXX over the phone. I had been speaking with XXXX XXXX about making a full payment in this loan. They did not give me any confirmation number nor did they send an email confirming they had taken the payment. On XX/XX/XXXX, i received a debt due notice from XXXX XXXX for XXXX amount I had already paid. I am unable to reach them by phone, i sent XXXX emails with proof of payment to XXXX. They placed a negative mark on my credit reports. I am disputing this negative mark now with 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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Requested credit report several times since identity theft and place a identity theft security freeze

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 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received an American Express Gift Card of {$25.00} for XXXX. I activated it and checked the balance on their website to make sure the card was active. Of course, it's not the full balance of {$25.00} dollars I received because they always cheat consumers. They withheld XXXX cents for some odd reason which I did not read the fine print. I tried to purchase something with XXXX for {$23.00} and was declined. I tried a smaller amount and had no luck. I tried XXXX and no go. I called customer service only to tell me the card was active. They also pointed out that I should try to use it in person. Can you imagine trying to buy something and getting declined? It's a {$25.00} gift card for laughing out loud, I don't think I should go through all that trouble to retrieve it. It's embarrassing to have been declined with purchases less than {$25.00}. My friend already paid a couple of dollars to buy that card. Then they withhold a few cents and multiply that by millions of cards. It's a legitimate scam if you ask me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: FL

Complaint narrative:
In XX/XX/XXXX I purchased a new Kia XXXX XXXX from XXXX Kia in XXXX, FL. I paid off the loan balance on XX/XX/XXXX. Kia posted a letter to the client portal stating that the loan was paid on XX/XX/XXXX. They did not send me the title, or any notification that there was a problem. On XX/XX/XXXX I called Kia Finance America to ask why I did not yet have my title. They told me that there were XXXX XXXX taxes due in GA. 

I had lived in GA for 2 months in XXXX and attempted to register the car in XXXX GA XXXX about {$2000.00} in XXXX XXXXXXXX XXXX in order to register in the state. I paid XXXX with a promise to pay the other half within 6 months. Since I moved back to FL within the 6 months, I forfeited my registration and went back to my FL registration. 

On XX/XX/XXXX I called the tax department in XXXX XXXX, GA where I lived for that short period of time. GA informed me that they held a lien against the car and I would have to pay about {$1400.00} in taxes, penalties and interest. I immediately paid via credit card over the phone. I posted the receipt from XXXX XXXX to the Kia Finance portal immediately. 

On XX/XX/XXXX I called Kia expecting to hear they sent a release to FL for my title. Kia told me they would submit an electronic release to FL, and that I could get my title within XXXX business days. I waited 5 days and went to XXXX XXXX to have my title printed. XXXX XXXX told me that the title was printed and transferred to GA. I did not request or initiate this transfer. 

I have called Kia and they will not admit they transferred the title and told me that no request was ever made to GA. Each time I call Kia Finance to ask where we stand, they have told me a request was submitted to GA and after XXXX business days I could go to GA to get my title. Ive made 4 such attempts to no avail. 

Finally a clerk in GA told me they received an electronic release for a paper title. They told me that if I bring an original tile lien release with a signature and/or stamp, they would give my title. I immediately called Kia to request this letter. I called Kia on XX/XX/XXXX and again on XX/XX/XXXX to check on progress and was assured either a letter was being sent to me or a release was sent to GA and I should check back after XX/XX/XXXX. 

Nothing was ever sent to me or to GA. I have called Kia several times since XX/XX/XXXX to see if they would please just send me the letter GA says they need. My last call with Kia told me that possibly I will get the FL corrected title during the week of XX/XX/XXXX. 

I gave my car on XX/XX/XXXX to my adult daughter in TN with a promise to send her the title as soon as I get it. When I paid off the loan on XX/XX/XXXX, I would have expected the title soon thereafter. Now, each time I call Kia they extend the final date for receipt. I dont know where else to turn for help. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: NY

Complaint narrative:
I paid {$3600.00} on XX/XX/XXXXXXXX  via debit card with XXXX over the phone. I had been speaking with XXXX XXXX about making a full payment in this loan. They did not give me any confirmation number nor did they send an email confirming they had taken the payment. On XX/XX/XXXX, i received a debt due notice from Credit-Control LLC for the amount I had already paid. I am unable to reach them by phone, i sent 2 emails with proof of payment to XXXX. They placed a negative mark on my credit reports. I am disputing this negative mark now with 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 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Seattle Service Bureau, Inc
State: NY

Complaint narrative:
On XXXX XXXX, XXXX a man named XXXX XXXX from " National Service Bureau '', XXXX XXXX XXXX called from phone # XXXX. He stated that he was calling on behalf of XXXX XXXX XXXX XXXX XXXX in XXXX, NY to collect {$19000.00}. My Mother was a resident of XXXX for 22 months before I was able to find an apartment in my local Senior community in XXXX XXXX. During my Mother 's residency at BV, I paid rent every month ( paid invoices to show ) and am dismayed at the manner in which Senior Assisted Living Facilities in this nation are permitted to operate. 
Since I hired and paid XXXX independent XXXX care for my Mother in addition to paying BV rent, where did these suspicious charges come from? 
After moving my Mother out from BV in XXXX XXXX and in the XXXX of being pro active, I contacted the CEO 's office of XXXX XXXX Assisted Living in XX/XX/XXXX to learn of these questionable charges and spoke with the ASST. XXXX XXXX XXXX. In a cooperative effort and at XXXX 's request, I forwarded all email correspondences between the previous BV XXXX, XXXX XXXX and myself dated XXXX, XXXX. XXXX confirmed the receipt of said correspondences and stated, " let me contact the regional VP of XXXX and we'll get this sorted out ''. Months passed without any further communications between the BV CEO 's office and myself, so I was under the assumption that the matter was resolved. By engaging the services of a collection agency was her idea of a resolution? 
XXXX XXXX, from XXXX, threatened to collect the fictitious amount of {$19000.00} by stating, " I know you have property! '' With my XXXX newly deceased a month before, and the negligible treatment at XXXX during the XXXX out break, XXXX XXXX 's threats to collect were the limit! 
I thought threats from a collection agency were against the law? 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX credit card was handled Genesis and switched to Concora in XXXX. I did not have a problem with Genesis, but Concora insisted that I needed to pay hundreds more a month than the Genesis payment I had been paying. I continued to pay XXXX a month and despite that, Concora dinged my credit as not having paid for XXXX, XXXX, and XXXX. In addition, despite that I had been paying, I just was notified last night by m y checking account, XXXX XXXXXXXX, that the company tried to withdraw a lump sum of XXXX that I did not approve. I had to block Concora from my account with a supervisor -- who could see that I had been paying monthly and that this was outside of my monthly payments -- so this couldn't happen again. Now, the onus is on me, and I have to mail payments so they don't have my account information- and I fear that because they can't get access to my account that they'll continue to ding my credit because they don't have their way. This is predatory and bullying : They hurt my credit for three months and don't report that I'm actually paying when I am, and then XXXX right into my account for an amount that's FIVE TIMES the auto debit that I'm currently paying already. It is criminal. And now I'm becoming one of those old people who reports things and writes letters, but honestly, these kinds of practices hurt regular people who are trying to do the right thing and make a living who don't have a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I received an alert from a credit monitoring company, stating that a new collection was added to my consumer credit report from Credit Collection Services in the amount {$78.00}. Credit Collection Services list the account as opened XX/XX/2023. I have never opened an account with Credit Collection Services, nor did I give Credit Collection Services permissible purpose to access my consumer credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4. I have requested 3 months ago to provide the original wet signature contract between Me and XXXX XXXX XXXX, also license to collect a debt in my state. Including the license number and the name on the license to collect a debt. Equifax removed the item and 10 mins later XXXX XXXX XXXX reinserted the item. I demand permanent deletion of the negative item.

Company response to consumer: Closed with non-monetary relief