vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX PROFESSIONAL FINANCE CO Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PROFESSIONAL FINANCE CO I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Due to being out of work since XXXX, I have been struggling to pay my mortgage. I recently retired and is living off my retirement, plus saving. All this is due to the coronavirus pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP
State: MO

Complaint narrative:
I leased a vehicle from American Honda Financial in XX/XX/XXXX. Made every payment on time through autopay. At the end of the lease ( XX/XX/XXXX over 6 years ago ), XXXX XXXX financed the residual value with a direct payoff quote from American Honda Financial. ( see attached ) Now 6 years later and in a " blackmail '' fashion randomly and without notice, start submitting a " charge off '' of {$450.00} to all credit bureaus. When contacted they claim it was from property taxes paid in XXXX. I contacted XXXX XXXX County Collector to make sure I paid those taxes and I did as well as American Honda Financial. According to the Collectors office, it was the responsibility of American Honda Financial to have requested a refund since I already paid. They had 3 years to request their refund. They never requested a refund and 6 years later are now reporting to the credit bureaus a charge off. This is completely unacceptable and although the bureaus tell me it will just automatically be removed next year ( after 7 years ) I will not allow this unethical behavior that has dramatically impacted my finances and created hardship for me and my family go unchecked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian ( CRA ) is continuing to report these inaccurate addresses and names on my credit report after I have disputed these addresses and names numerous times. I have sent them a copy of my driving license and bank statement with my current address and full name as it appears on my driving licenses. I just recently diputed this same information on XX/XX/2020 and they continue to report the inaccuarte information and it's a false representation of me.They are setting me up for possible identity theft.

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 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This company has added their information to my credit report and I in fact had NO DEALINGS or NO CONTRACT signed with this company. Please remove from my credit report now or I will be forced to take legal matters! Please remove from my credit report NOW!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I notice that there was a company Midland Credit Management on my credit report stating that I owed {$960.00}, I submitted a dispute with XXXX on XX/XX/2020, it came back verified and updated. So I sent a letter to the creditor on on XX/XX/2020 asking them to send me documentation bearing my signature. I never received anything from them, so on XXXX XXXX I sent a second letter requesting again, documentation bearing my signature. On XX/XX/2020 I sent a certified letter to XXXX  advising them that the Creditor Midland Credit Management failed to verify the debt and ask for the negative reporting be removed. Few days later I received a letter from Midland stating " they have opened a investigation regarding my dispute '' and it will take up to 120 days and they will report to all three agencies to delete the trade line. Well today is XX/XX/2020 and nothing has been removed. XXXX acknowledge that they received my letter that I sent on XX/XX/2020 and they have until XX/XX/2020. Midland Funding allegedly purchase this allege debt from XXXX XXXX without any proof that this debt is mine and is reporting on my credit report and I want to know how XXXX verify this with them, if there is no documentation verifying that this debt is mine. I will send the letter that Midland Credit Management sent to me stating they will have the trade line deleted to XXXX and I hope XXXX delete it right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Im disputing the Bank of America - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 


BK OF AMER {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XXXX  XXXX Past due amount {$24000.00} Original loan amount {$45000.00}

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 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Receive the loan XX/XX/XXXX into my account on XX/XX/XXXX try to make a withdrawal and was denied and told I was not able to use the funds because I was committing fraud straight up discrimination Each bank or credit union has its own rules as to when it will let you access money after you deposit a check, but federal law establishes the maximum length of time a bank or credit union can make you wait. 
Generally, if you deposit a check or checks for {$200.00} or less in person to a bank employee, you can access the full amount the next business day. If you deposit checks totaling more than {$200.00}, you can access {$200.00} the next business day, and the rest of the money the second business day. 
If your deposit is a certified check, a check from another account at your bank or credit union, or a check from the government, you can withdraw or use the full amount on the next business day if you make the deposit in person to a bank employee. 
If you make a check deposit at an ATM at your bank, you can withdraw or use the full amount on the second business day. 
Your bank or credit union has a cut-off time for what it considers the end of the business day. If you make a deposit after the cut-off time, the bank or credit union can treat your deposit as if it was made on the next business day. A bank or credit unions cut-off time for receiving deposits can be no earlier than XXXX XXXX. at physical locations and no earlier than noon at an ATM or elsewhere. 
The amount of time a bank or credit union holds funds you deposit by check is sometimes referred to as a deposit hold or check hold. Some banks or credit unions may make funds available more quickly than the law requires, and some may expedite funds availability for a fee. If you need the money from a particular check, you can ask the teller when the funds will become available. A receipt showing your deposit does not mean that the money is available for you to use. 
It may take longer for you to access your deposit for a few reasons : If you have a new account or if your account has been overdrawn too many times in the past six months ; If you make a deposit over {$5000.00} ; If you make a deposit at an ATM owned by someone other than your bank or credit union ; or If the bank or credit union reasonably believes the deposited check may be uncollectible.

If you or your bank redeposit a check that has been returned unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have disputed this previously about this account being on my credit report! I asked them to remove this account immediately as it does not belong to me!! The company removed the account from my credit but then added it to my XXXX  credit report! This is unacceptable!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I generally run a positive balance on my credit card at Bank of America ( BAC ) to ensure that if I miss a payment I am not debited with the inordinate charges that banks levy in such instances. 

Ever so often, BAC debits my credit card with the credit balance on my account, e.g., {$1000.00} on XX/XX/XXXX. A week later, my account shows a balance of {$680.00}, which obviously does not look right to me, as I had a credit balance of more than a XXXX XXXX a week ago. On investigation, I notice that they removed ( dare I say, stole? ) {$1000.00} from my account. This debit did not go straight into my current checking account. So, where is it? 

So, I now have to set aside time in my busy schedule to call them up and eventually find a person to whom I explain the situation. Much apologies, etc. but not sure where the money went. I told him it happened before and I think you sent me a check to cover the debit the amount in my account. 

First of all, I don't want a check, another waste of my time. Secondly, if it takes a week for the check to get to me, they had the free use ( float ) of my XXXX  XXXX  for a week. Multiply this practice by a million customers and the bank has just created a billion-dollar float. 

I warned them that I was going to file a complaint with the FTC, so, they promised me that someone from the bank would call me and leave a message if I don't answer. I ask them to text me to let me know of the failed attempt to contact me. Well, almost two days later and no call, no text. Hence, the reason for filing a complaint. ( Other than that, BAC has been my bank since XXXX, and it has been a happy relationship. ) They have to stop the practice of removing credit balances from credit cards. If they insist, then they must immediately wire the money back into the account from which the transfer was made in the first instance. They should not have the right to hold my money form from XX/XX/XXXX to XX/XX/XXXX and counting. I'm sure you will agree it is almost unconscionable. 

This has happened before and I pleaded with them to stop doing this, but they are hard of hearing. Maybe this complaint will correct the 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 2020-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
credit collection services has place a collection on my report for the third time after I disputed it, and had it removed two times and yet they are still putting it back on my credit reports inorder to keep my credit profile and bad standings. This account is not accurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Sent this same complaint to company last month and they responded they was not going to reinvestigate theses items that Im challenging! Its the law to investigate! Please remove all items listed or verify that they belong to me! XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX! None of these items mentioned has validated that they belong to me! Also I have no contracts with these creditors! Please remove immediately! 
,

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 2020-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I needed to transfer money from my HELOC at The Huntington Bank in XXXX, IL to my XXXX account. I required the money for a down payment on a property which was suppose to close XX/XX/XXXX. I went to XXXX on XXXX, XX/XX/XXXX to wire the money and was told the wire may not go out until XXXX. When I called on XXXX morning they were just sending over the wire. I spoke with XXXX XXXX who I had set up the wire transfer when I visited the bank. She sent over the wire confirmation via email. To date, the transfer is not showing up on my HELOC account, but did post to my XXXX account on XXXX, XX/XX/XXXX. XXXX can not tell me why my account is not reporting the correct balance nor when it will report the correct balance. My lender needed this new balance to show up in order to close on my new property. We spoke with the branch manager XXXX XXXX several times and he is doing nothing to help us. My husband spoke with him just before XXXX XXXX  XXXX on XX/XX/XXXX and XXXX XXXX told my husband he was leaving at XXXX XXXX   sharp and " our issue was not his problem. '' We are going to lose our new home and {$10000.00} of earnest money if we don't close in the next couple of days. Nobody at that branch wants to assist us. Something was not done correctly and they won't tell us why my balance is not reflecting correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
Quicken loans offered covid forbearance to us. We repaid the payments, became current, and came out of forbearance. 
Quicken loans reported the covid forbearance under the CARES Act to the FHA who then reported it as default to CAIVRS. 
We have been in contact with Quicken loans for 4 business days requesting them to remove the forbearance as we are and have been current for over 30 days. 
They refuse to send any form of documentation or letter to the FHA showing we are no longer in forbearance. 
We are today, XX/XX/2020, closing on the sell of our house and will be homeless for 2 weeks because of quicken refusing to accurately report information to the FHA for our FHA financing on our home purchase. 

I conveyed this to Quicken and they continue to refuse to assist us. 
Quicken does not understand that reporting to the FHA gives the FHA the information to report to CAIVRS and therefore refuse to correct what they've reported. 

We got to Quickens " top of the line '' department and spoke to : XXXX XXXX  Servicing Escalation Specialist Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX was not informational and had no knowledge of CAIVRS  or FHA reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I received a copy of my credit report stating that I had initiated a dispute, with experian when in fact I had not be able to do so and I filed a complaint with the Consumer Financial Protection Bureau ( Cfpb ) Experian sent me back the report stating this as fact. 
And then asked Cfpb to close this case which it did. I have attached the front of the document that Experian sent me as evidence that Experian provided to Cfpb deceptive information in order to have this case close, which is did before I had an opportunity to respond. 

Today I called Experian and I was put through an automated selection. 1. I could ask for a credit report. 2. Security Freeze.

There is no option to dispute, however their website directs me to do the dispute by phone. Therefore I have no way of disputing the credit report and Experian lied to the CFPB regarding that I had actually had the opportunity to dispute the credit 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 2020-08-13 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA Compass called my cell phone XXXX. They called me from XXXX. The man who called me threatened me saying he would " severely damage my credit '' and said I am " legally obligated '' ( used that exact phrase ) and that it would be illegal for me to not pay my debt. This is a deceptive and illegal debt collection practice. 

Keep in mind I am already in forbearance on this account because I have told them I have been affected by a natural disaster Covid-19 and they continued to try to collect the debt even after informing them I am still affected on this very phone call and then they proceeded with their legal threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation