vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 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: ERC
State: SC

Complaint narrative:
ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX =======  Enhanced Recovery Compan Opened XX/XX/2019 - {$890.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 

Balance {$890.00} Highest Balance {$890.00} Opened XX/XX/2019 ( 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX ======= The date of XX/XX/2019 is absolutely absurd! This was already settled wit XXXX!!! XXXX had lied and the promises made/ statements made were false and misleading. 

I owe XXXX XXXX!!! 

If they were TRULY owed money we would already be in court. If this keeps up showing on the report as an amount due I WILL take legal action, against both the collection company as well as XXXX. I will subpoena recordings of the promises made ( XXXX records all calls ) and present bank statements to show what they lied about!! 

Thank you. 

========= My mailing address is NOT XXXX XXXX   XXXX  as the PO does NOT deliver to my street.

My USPS address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

XXXX XXXX is a remote address. We JUST got electricity about a year ago!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
North Carolina State Employee 's Credit Union is reporting a auto loan on my XXXX  credit report, which is not reporting correctly. Account shows paid on time for last 4 months. When it should be on time for the prior 2 years. Missing 2 years of on time payment history. Attached below is the difference in what is reporting to my XXXX  vs my XXXX. Please report correctly.

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 2019-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
The company in question is Deville Asset management. The account was purchased from XXXX XXXX on XX/XX/XXXX. The original account was opened opened on XX/XX/XXXX with XXXX XXXX and I became delinquent in XX/XX/XXXX. ( last partial payment made ). I received a letter dated for XX/XX/XXXX stating the vehicle would be sold in a private sale after XX/XX/XXXX and a second letter dated for XX/XX/XXXX advising the vehicle has been sold in private sale. 
Deville Assest Management has the account listed on my credit report as opened on XX/XX/XXXX and reporting monthly. The collection agency is illegally re-aging the account listed showing the account first date of delinquent 3 years after the true date. And they continue reporting monthly although the 5 year limit in collections efforts have expired. I have disputed the account several times due to them Being unable to verify information. The account removed/deleted from all 3 credit bureaus due to the collection agency being unable to verify the information. However, after the account was deleted from XXXX  the collection agency re-list the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have two accounts with Citibank. One one of the accounts I had some items post that the drew the account negative in the amount of ( -XXXX ). I had a positive balance in my other account of ( XXXX ). Citibank debited my one account to pay he other leaving one account at ( XXXX ) and the other account at ( -XXXX ). When I contacted Citibank its initial representatives were in call centers outside of the U.S. and the were very rude stating that Citibank has the right to collateralize any account a person has with them. To which I responded that might be true, but surely their are protocols for doing so, thresholds that trigger such actions. I explained considering that in one of my accounts I have a weekly deposit of almost XXXX deposited to the account ( XXXX ) There was no need for Citibank to take any action on my accounts because after all of my payments are made there would have been enough to cover the negative balance in my account. I had to call three times and finally after being on the phone for more than 2 hours I got a supervisor in a U. S. call center to explain their " sweeps '' protocol for collateralizing occurs when an  account is negative -XXXX or more and the account has been negative 10-15 days ( she later said that it is 15 days ). I explained to her this is why I have an issue. Because it felt like more of a unobjective human decision had been made more than an automated protocol followed, because my account was not negative more than ( -XXXX ) and it has not been 15 days since the account was negative. I take no issue with disclosures/protocols being followed. I do take issue with unjustified actions being taken on my account. It makes me wonder if this is widespread practice for Citibank not to follow its own right to collateralize protocols and its seems very petty especially considering my weekly deposits.

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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I have previously told this company that the debt in the amount of {$130.00} is not mine and stems from fraudulently using my personal information. The company acknowledged my claim in the past but for some reason decided to once again place this amount of {$130.00} in my credit file/report at the credit bureaus. I have never had an account or did any type of business with XXXX XXXX. I have contacted Enhanced Recovery Company to inform it that this debt is not mine, however the company refused to pay me any attention or try to help me in this situation. Additionally, this company claims that I opened this account in XX/XX/2019. Not only is there inaccurate information, but this company directly contributes to the act of identity theft that was commuted against me by placing this debt in my credits file/report at the credit bureaus. It seems as though the company re-added this debt to my credit file/report in a sneaky manner and out of the blue, thinking that I would not notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

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 2019-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CT

Complaint narrative:
Attempted to modify an auto pay amount on an auto loan. Was told I had to un-enroll the current plan in order to re-enroll for a new amount. After un-enrolling the previous plan I attempted to re-enroll at a higher amount at which point I was only given the option of starting the auto-payments two years later ( I had already paid ahead at this point. ) If I wasn't careful I could have potentially skipped multiple payments and accrued quite a hefty amount of interest. This is incredibly deceptive practices on the part of Bridgecrest as most borrowers would likely think it's their lucky day and not realize the deception that had occurred since they were not given the option to set their payment schedule up to pay ahead ( and would not have known this before cancelling the current arrangement. )

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 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had the Citi Diamond Preferred Card for a while now. Citi invited me to convert the Citi Diamond Preferred card into the Citi Rewards+ in  XX/XX/XXXX. I accepted the invitation and it took some time for the process to be completed. Meanwhile, I received an offer ( that's the false advertising offer I am complaining about ) that I can use my Citi Diamond Preferred Card to get cash back of 5 % ( up to {$25.00} ) until end of XX/XX/XXXX. So I activated this offer on XX/XX/XXXX ( Please refer to screenshot ). In the meantime, I received my new Citi Rewards+ card in the mail but didn't activate it as of this moment. 

When I called Citi to inquire whether the cash back offer is still available or not, they told me it's no longer valid since I've already converted my Citi Diamond card into the Citi Rewards+. So Why are they sending me an offer for the citi diamond card on XX/XX/XXXX to activate the cash back process while at the same time they are converting my card into a citi rewards+? There was clearly an overlap in that. I received the conversion offer to citi rewards+ in XXXX and while the conversion process was taking place, I received the offer on my citi diamond preferred card to earn 5 % cash back online. This is a clean false advertising and a scam that is pulled by Citi and they are no stranger to scam whether it's in the past or the present. 

When I tried to talk to supervisor, he/she didn't bother to talk to me and transferred a message through the customer service representative. It was obviously the same thing the representative informed me about ( That the offer has expired with the conversion of your card from citi diamond preferred to citi rewards+ ). How come it expired and you are giving me until end of XX/XX/XXXX to use it!!!??

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 monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Payday loan 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: DE

Complaint narrative:
I was served with legal papers for a debt that was sold without my consent and knowledge violating all legal rights to private information such patient identifiers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX  IS STILL REPORTING 2 MORTGAGE ACCOUNTS ON XXXX SINCE XX/XX/2015. XXXX MUST NOTIFY XXXX   REPRESENTATIVE AND MAKE SURE YOUR CREDIT REPORTING BILLS ARE PAID TO XXXX.LOAN NO.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: NY

Complaint narrative:
My Equifax complaint was closed because I was mistaken for a repair company which is not true

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Collection Bureau, Inc.
State: NC

Complaint narrative:
XX/XX/2019 XXXX XXXX called with United Collections Bureau Inc. insisted I call a friend or family member today or she would make sure our credit was permanently affected. Insisted on employer info of my husband and myself, which I refused to give. Told me this debt has gone on long enough and since we paid every month since XX/XX/2019, it was not quick enough or enough money. Insisted I open a credit card so I could pay balance in full right now. I tried to make arrangements to pay before month 's end and was told that was not quick enough or enough money. I asked her specifically to stop bullying and harrassing me and explained I would hang up and call back. When I did she called me repeatedly. I asked to speak to someone else 5 times before she transferred me to her supervisor.

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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
XXXX  IS SUPRESSING MY CREDIT FILES AND THUS CITI BANK IS UNABLE TO DELETE 3 ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: GA

Complaint narrative:
Received SSI deposit on XX/XX/2019. All of the funds were taken from my account without my consent on XX/XX/2019. I contacted the bank on several attempts to dispute but was on hold over an hour with no one to come to the line. I monitored my account for days and observed deposits placed and removed. One deposit for {$15.00} then XXXX balance. Another day a deposit of {$60.00} then immediately after less than {$1.00} balance. The card has not been used by myself and is in and always has been in my possession. I have yet to be able to speak with anyone from US DIRECT EXPRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is reporting 2 State of Michigan Friend of the Court collection accounts. They have reported them in excess of the time allowed under the 1974 Fair Credit Reporting Act. One account has been reported since 2003.

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 2019-11-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax violated my rights by reinserting recently deleted fraudulent account on my credit report without notifying me within five business days. 

1. XXXX XXXX Account # : XXXXXXXX Balance :  {$2400.00} Date Opened : XX/XX/2019 2. XXXX XXXX XXXX  Balance : {$5200.00} 3. XXXX XXXX XXXX  Balance : {$1.00} Fraudulent Inquiries : 1. XXXX/XXXX | Date of Inquiry : XX/XX/2019 2.  XXXX/XXXX  | Date of Inquiry : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
XXXX  IS SUPRESSING MY CREDIT FILES AND THUS XXXX XXXX IS UNABLE TO DELETE 3 ACCOUNTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
On XXXX XXXX 2018, my credit report showed collection ... 
Don't know who this collection agency is. I have no debt in collection. My credit score dropped by 70 points after this collection showed from CREDIT COLLECTION SERV.

I have never had anything to do with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Upon trying to finance a vehicle Ally Bank denied me and my wife a loan. They sited information from XXXX, XXXX, and XXXX. The key factors where Serious delinquency, and public record or collection filed. Time since delinquency is too recent or unknown, To many accounts recently opened. Too many inquiries last 12 months. The fair credit act states that the information on any credit report has to be 100 percent verifiable and I take issue with erroneous information on my credit report. This bank has engaged in redlining and that is a federal crime.

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