vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc.
State: HI

Complaint narrative:
CCS Collections has received disputes 2 disputes for the account entry reflected on of my bureau reports. In my previous correspondence to them, I have requested that they prove the debt they placed on my credit reports and alleging I owe, is indeed mine. I never received a dunning letter nor any correspondence from them notifying me that they were attempting to collect a debt. My requests specifically requested that they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable as well as complete accounting of alleged debt. To date, to no avail. Additionally, I have disputed with the credit bureaus and they submitted documentation that states CCS verified the debt ; however, CCS has yet to respond to both of my requests made to them sent certified mail. My certified receipts validated that both letters were received by CCS in XXXX and XX/XX/2019. This erroneous, inaccurate, unverifiable entry on my reports is violating my consumer rights and has caused me denials for credit. Please see attached documents that reflect my numerous attempts to communicate with this company.as well my credit reports that reflect this erroneous, inaccurate entry. The mere fact that CCS has never sent any correspondence to me notifying me that I owe an alleged debt. This is a direct violation of my rights. Blatantly inserting an entry on my reports not notifying me violates my rights as a consumer to dispute the validity of their alleged claim. DELETE THIS ENTRY IMMEDIATELY AND SEND A FULL, UPDATED COPY OF MY CREDIT REPORTS THAT REFLECTS THE AFOREMENTIONED OUTCOME.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I've been making my payments via phone to Caliber Homeloans and pay an extra {$8.00} a month. Never missed a payment nor has one ever been late. 
This week I get a letter due to so many insufficent funds I now have to get a money order. I've called numerous times they said I set up a automated account which I started to but I have never used. Caliber has tried taking my money. XXXX XXXX has now blocked Caliber. All my payments are from XXXX and have been on time for 3 years. Today I had to pay {$25.00} to have my check over night sent. I asked if caliber could make my payment date the XXXX since I get paid on the XXXX they said no unless I want to refinance.IVE NEVER HAD A LATE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: NE

Complaint narrative:
On XX/XX/19 I made a made a mobile deposit of {$3000.00} in my Bank of the West checking account from my XXXX XXXX checking account. According to XXXX XXXX the check cleared the next day. Bank of the West put a hold on the check for 10 days. When asked why I was told because it was a mobile deposit. On the mobile app it only says in vague terms that deposits could be subject to hold. It doesnt give dollar amounts of deposits that could be subject to hold, or the number of days the hold could be for. Customer service was unhelpful in explaining why the hold was in place and how it could be removed. They kept rerouting to other areas, all equally unhelpful. Finally I went into a branch, where at first I was told all they could do was give me another number to call. When I protested that that was what I had been told multiple times, a branch employee called XXXX XXXX to confirm the check had cleared and the hold was released. Why did it take me having to go to the branch for this call to happen? This took a week of getting the run around from unhelpful employees and there was no notice this would happen. The app says funds are available in 2 days, but there may be a delay. This is deceptive and abusive. This arbitrary hold caused me not to have access to my money and caused undue hardship with no explanation why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX A SOC SEC # XXXX ADDRESS XXXX XXXX CT, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX A SOC SEC # XXXX ADDRESS 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 explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
Ridiculous. Im a fastidious monitor of my credit and have always had everything in order, until about on or about XX/XX/XXXX, when I got a monitoring service notice that negative information had been posted. I see it is @ gmfinancial has said Im 30 days late for a payment. I had a GM lease and turned it back in on time the first of XXXX and had been waiting for the final bill. Well calling GM on XX/XX/2019, I was told revealed that it was this final bill that was recorded as over 30 days delinquent. I told them I had never received a bill and they admitted that it had not been sent yet but if I wanted to pay it over the phone I could, which I did. They then said they would correct their mistake and take the ding off the credit report. Called them again on XX/XX/2019 to see why it hasnt been corrected and was told they submitted the paperwork on XX/XX/XXXX, and once it was processed internally it would take ano ther 30-45 days to have this mistake corrected by the credit bureaus. My question is XXXX? We are looking for a new mortgage and this over 100 point reduction in my credit score will cost me thousands of dollars in mortgage costs. Do I get the mortgage and sue @ gmfinancial for the cost or are there attorneys out there that will take this sort of thing on. Oh and as a guy with XXXX I have many better things to do right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX ADDRESS 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 explanation
Consumer complaint received 2019-09-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX A SOC SEC # XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX A SOC SEC # XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I requested a validation of the debt from collection agency Portfolio Recovery Associates, LLC. In my request for validation, I demanded a authenticated copy of an original contact with my signature as per the Fair Debt Collections Practices Act, tile 15 U.S.C section 1692g. Portfolio Recovery Associates, LLC failed to validate the debt. The only documentation that I have received is a billing statement from the original creditor. I do not consent to contract with Portfolio Recovery Associates, LLC. The collection agency is in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have an account ( XXXX XXXX ) that is still showing on my credit report. This account is stated to remain on until XX/XX/2019 and it is still showing. I have disputed a previous item with Experian and it took less than 30 days to respond to me previously before, so this shouldn't be a problem for them to remove this item that is due to come off of my 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 non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I deposited a check for roughly {$5100.00} into my checking account at Fifth Third Bank on the evening of XX/XX/19 via remote deposit. I have deposited a check into the same checking account from the same company roughly 6 times this year. The bank is telling me that they are going to freeze availability until XX/XX/19. They said they are doing this because they received information from the paying bank that they might not pay the {$5100.00}. 

And that is just a flat out lie. It's a 401k loan for God 's sake, 53rd continues to lie about this. I believe it's deceptive and flat out abusive. My mortgage is going to be late, resulting in a fee due to this freezing that 53rd has done. It will cause other financial hardships into next week. I will attach 53rd 's response, and you will see where they are telling me that they received information from the paying bank that the check might not be paid. I think the CFPB should demand that information from 53rd or release the funds and also reimburse my account for undue hardship, say {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX 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 MIDLAND FUNDING XXXX 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, XXXX 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 A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
submitted a dispute describing multiply violation on credit report but yet still XXXX claim to certify that the account is reporting accurate. How can a report be accurate when on a chargeoff account its still reporting late payments months after the account as been closed, also showing a past due amount and a usage amount, these are major violations, a charge off is a closed account and should not be reporting a past due and monthly late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE. XXXX XXXX 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 CMRE. XXXX XXXX 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, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, 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, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: GA

Complaint narrative:
Hello there my name is XXXX XXXX I have a Situation with XXXX XXXX XXXX XXXX is I tried to fix so many times with the Experian credit bureau that are already resolved with XXXX and XXXX I had two accounts with XXXX XXXX XXXX XXXX of them was closed with no balance in XX/XX/2016 and The other one was Return Wich was settled with a XXXX Dallars balance cause my ex wife has paid the balance off before return it it's all started after we had an argument with the manager cause he never reported the Two accounts to the credit bureaus we wanted him to report the Two accounts cause we believe that could help hours credit for some reason instead he decided to mess up my credit buy reported false information to the credit bureaus, I already fix the problem with XXXX and XXXX but Experian refuse to fix the problem I disputed so many times with Experian every time they change the informationon the credit report the status or the amount they should a see there is something really wrong with this I disputed more than sux times every time they have a different amount and status please help me fixing this situation. The XXXX XXXX XXXX address is XXXX XXXX XXXX, XXXX, GA 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