vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is INCORRECTLY damaging my score. In at least the past 90 days Ive had 3 collection accounts REMOVED from my file, paid every bill on time and paid down my credit cards. My CC debt is very low ( less than {$1000.00} XXXX yet my scored has dropped from. A XXXX to a XXXX. My score should be XXXX not XXXX. My score at this point should be at lest a XXXX. In addition for OVER 6 months ( Even before COVID ) now the Experian online dispute tool has been XXXX. This should be fixed.

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 2020-07-21 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau XXXX is reporting an erroneous debt on my credit file that is not mine. The days that this debtor is claiming this happened, I was in surgery and there was no way I could have anything to do with that account. I have filed a police report with XXXX Police, XXXX # XXXX in regards to this erroneous debt. This is a fraudulent account, and I demand you remove this account off of my credit file, or the next steps will be getting my attorney involved!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I obtained my credit report from Experian on XX/XX/XXXX. Upon reviewing my report, I noticed that there were two hard credit inquiries that I did not make or authorize on XX/XX/XXXX and XX/XX/XXXX. According to Experian 's online credit report, those two inquiries are considered " potentially negative. '' To the best of my knowledge, I did not apply for credit from and I do not have any accounts with the 2 companies that had made the two hard credit inquiries. I immediately attempted to dispute the hard inquiries via their website only to receive an error message to contact Experian via telephone. I first called XXXX and was not unable to reach a live customer service representative nor was there an option to speak with a representative. The only 2 options provided were about how to inquire about a security freeze or a fraud alert. No other option was given. I then called XXXX. After several attempts, I was able to reach a live customer service representative. I advised the customer service representative that I needed to dispute to credit inquiries on my report. The CSR asked me if there was fraud or identity theft involved. I responded " no. '' I repeated to the CSR that I did not recognize the 2 inquiries, did not request credit from the 2 companies, and did not have accounts with the lenders which accessed my credit file on XX/XX/XXXX and XX/XX/XXXX. The CSR then responded that it was considered identity theft or fraud and proceeded to connect me to another person without asking me if I had any questions or concerns. I did not want to give wrong or misleading information, and reporting the inquiries as fraud or identity theft would have been inaccurate as I had no proof of either. Needless to say, after being on hold for over XXXX minutes, the call was lost. I attempted to call again, but continued to be disconnected since none of the options pertained to me.

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 2020-07-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Regent and Associates
State: TN

Complaint narrative:
The debt was {$10000.00} and they took daily payments from my register daily. The loan was paid in full. It's been 3 years and I'm still getting harassed. When I try to reach out to them they call my a waste of time and hang up in my face. They put liens on my XXXX tablet and XXXX  hun doing a pandemic knowing small businesses such as my restaurant is struggling right now.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I had my mortgage sold to Loancare and have been with them for a few months now. I submitted for and was granted a Forbearance Plan dated XX/XX/2020. I was granted a 90 day forbearance for the payments for XXXX, XXXX, and XXXX. Since the beginning of XXXX the company has been calling me nearly every day and now I have received a packet dated XX/XX/2020 referring to a missed payment and trying to give information on how to avoid a foreclosure. If I'm not mistaken, Federal law stated that they have to offer a forbearance or other assistance and that they can not foreclose on any property during the COVID-19 emergency.

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 2020-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Direct Capital
State: CA

Complaint narrative:
Date : XXXX Local Time I received the call : XXXX XXXX  Name of the company : Direct Capital , aka Direct Capital & XXXX Their contact # : XXXX There are multiple issues with the call Mr. XXXX XXXX from Direct Capital made today on behalf of their client XXXX. 

He broke the law with Multiple FDCPA violations. 

Lets start with : # 1 ) Communication : a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location. The incoming call was made at XXXX XXXX # 2 ) False or Misleading Representations : The threat to take any action that can not legally be taken or that is not intended to be taken. 
In the call XXXX XXXX in a threatening demeanor said he was going to pursue further litigation, when I asked for their " BAR # '' XXXX XXXX said they had none. A litigating attorney has a BAR #. 
He also failed to recite the XXXX. 

# 3 ) Harassment or Abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 
Mr. XXXX XXXX, towards the end of the call, in a threatening manner said " I wish you the best of luck ''. 

# 4 ) Spoofing : is the act of disguising a communication from an unknown source as being from a known, trusted source. Spoofing can apply to emails, phone calls, and websites, or can be more technical, such as a computer spoofing an IP address, Address Resolution Protocol ( ARP ), or Domain Name System ( DNS ) server .... 
The call XXXX made came from a local number XXXX, I asked for a physical address, he said they are in New York, he provided me with the address of XXXX XXXX XXXX, XXXX NY XXXX. 
Spoofing is used as a form of deception ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
XX/XX/XXXX. 2020 - I received a text stating {$1100.00}, had been applied to my debit card for child support. Since it has been two decades since I have received any child support payments, I called the local child support office. They verified yes - I had received my ex-husband stimulus check to be applied to his arrearage. I informed the customer service rep I did not have a debit card. She provided me with the EPPI card customer service telephone number ( XXXX. ) XX/XX/2020 Placed a call to customer service @ XXXX XXXX., after being on hold for XXXX hour XXXX mins. I was informed a card was mailed to me yesterday XXXX XX/XX/XXXX ) and I should receive the card with 5 - 10 business days. 
XX/XX/2020 - Placed a call to customer service @ XXXX XXXX, after being on hold for 51 minutes. Again, I went through the verification process. The rep informed me to wait until Wednesday, XX/XX/XXXX, this will conclude the 10 business days. Also, stated sometimes it take longer to receive the card. I asked about the expedited overnight service I was informed about on XX/XX/XXXX. He stated there will be a day or so delay before they could process another card. The service is not overnight - it is a two ( 2 ) day service. Also, there is a {$14.00} fee associated with the service. 
XXXX XXXX - As of today I have not received my card. 
XX/XX/2020 Talk to a representative from the State of Georgia child support rep. Stated there is nothing they can do. EPPI card is a third-party processor who operates separate of the State. The rep suggested I go online for my case and sign up for direct deposit into my checking account in case I receive additional funds. 
This is scandalous. " XXXX XXXX '' in need of funds and this company giving parents the run around. Glad my children are adults now - but what about the ones who really need the monetary relief. 
Concerned & confused - how can this be tolerated. Georgia 's XXXX  is loaded with unanswered complaints : https : XXXX. Another tidbit -- EPPI Card, they charge a fee for customer service calls. XXXX per each call to the Georgia Customer Desk. Deployable!!!!!!!! 
I want what I am entitled. In this pandemic and uncertainty every drop fills the bucket. EPPI Card Services need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am totally frustrated to no end trying to find out what kind of information Equifax provided to the XXXX XXXX XXXX XXXX in a credit report XXXX XX/XX/2020 ) that has a direct impact to increase a higher than expected interest rate for my new auto loan. 

I called Equifax today I spoke to XXXX who received sufficient information to verify who I was but I had to use the restroom so he gave me a phone number to call him back. 

After I called back Equifax used automatic voice type of questioning to no end not an agent questioning many many more multiple questions about my past credit enough to be able to answer correctly but continue non stopped until it seem to set you up to eventually not be able to remember as far back anymore. 

I was hen told to send them by mail a copy of my social security card and license. Bottom line people have enough stress to be given a run around to correct bad reporting. There should be no record of bankruptcy no collections no derogatory record on my credit report and I have excellent credit with XXXX all my creditors and all my utilities when I applied for a new auto loan in XXXX XXXX when it could have been as low as XXXX. If any bad reporting went to the XXXX the report it must be updated so that I can appeal with the XXXX interest loan for my new vehicle to lower the interest rate to what it could have been saving thousands of dollars. XXXX said if Equifax is willing to update they will give an opportunity to correct the interest through after an updated new Equifax report doing a new application but the car must have less than XXXX mileage right now it has approximately XXXX miles,.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
MY AMAZON STORE CARD ACCOUNT IS IMPOSSIBLE TO ACCESS BY MESSAGE TO ASK QUESTIONS OR MAKE PAYMENT, EVER SINCE I STOP USING MY STORE CARD ( ASKED FOR IT TO BE SHUT DOWN.

WHEN I TRY TO SIGN ON, RESET A PASSWORD, GET A CODE BY TEXT I CAN NOT GET THROUGH. EVEN MY NAME IS IN QUESTION. IT SEEMS I HAVE A NEW ACCOUNT NUMBER. NEVER SEEN IT BEFORE. AND A CASH ADVANCE (? ). NEVER WANTED THAT. AMAZON AND SYNCHRONY AND XXXX XXXX ARE SOMEHOW CONNECTED. THEY ARE TELLING ME I MISSED PAYMENTS AFTER YEARS OF EXEMPLARY ON TIME PAYMENTS. NEVER MISSING 1 PAYMENT IN 7 YEARS AT LEAST. I AM UNABLE TO GET ONLINE WITH THEM. WHEN I TRY TO GET A CODE TO CHANGE MY PASSWORD, I AM TEXTED THAT AN UNUSUAL ATTEMPT HAS BEEN MADE. I DON'T KNOW HOW THIS ALL HAPPENED. THEY CHARGED ME {$39.00} AS A LATE CHARGE. I NEED TO KNOW HOW TO STRAIGHTEN THIS OUT. GET RID OF THE LATE CHARGE AND ACCESS MY PAYMENT PAGE ON AMAZON STORE CARD. THEY TELL ME MY NEW ACCOUNT NUMBER ENDS IN 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 2020-07-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The issue with Equifax is that they will not let me log into my Equifax account to check my dispute status and other services they offer. I called up Equifax two different times about the issue and got two completely different ways to fix it. The first person said that they would send me an email saying my account is fixed, but that has yet to happen. The second representative said that I had to fax in my social security card and other personal info. It does not seem like there is any process or the people who help you through it are not trained. Whenever I log onto Equifax I am given a number to call and it connects me to one of their representatives who can not help me access my account. 

I submitted a dispute with Equifax over the phone. I also reached out to the lender and they said they would fix the mistake on my credit report. It is important that I have online access so that I can monitor the status of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have money in cashapp and not able to transfer it to account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: OH

Complaint narrative:
Subject : Refusal to Investigate Erroneous Experian refuses to remove erroneous information from my credit file. Experian states XXXX XXXX verified the public record and the information remains unchanged. XX/XX/2020, I received record from XXXX XXXX that the public record information ( identified in my Experian credit file ) is not reporting with XXXX XXXX. I have also contacted the US BKPT CT VA XXXX and received documentation that states their court does not report or furnish information to credit bureaus. Experian is reporting an erroneous public record in my credit file ( see page 40 in my Experian credit file ). The bankruptcy is not mine, does not belong to me. The public record reports an alias XXXX XXXX and an address of XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, VA XXXX where I have never lived ( see pacer document which includes case number in my Experian credit file ). Experian 's unwillingness to adhere to the FCRA is unlawful and I would like to get this matter resolved in a timely manner to avoid a potential lawsuit. Additionally, Experian removed my phone number from my personal statement without my permission. If credit is extended without my permission, creditors will have no way to call me to verify my identity.

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 2020-07-21 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: TX

Complaint narrative:
AUTOMATED ACCOUNTS MANAGEMENT Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX remove the ftc violaitons

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 2020-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I opened a savings account with Citibank, depositing {$15000.00}. This account was opened in response to a promotion ( Citibank Account Package ) that required that I also open a checking account, which I did. The terms of the promotion required that the minimum deposit ( {$15000.00} ) be held in either of the accounts for 60 days, at which time it would earn a bonus of {$400.00}. I followed all of the requirements of the promotion, but to date the {$400.00} bonus has not been credited to me. The exact terms of the bonus state " The Cash Bonus will be credited within 90 calendar days from the date you complete all Required Activities. '' The 60 day and 90 day requirements have passed, but no payment has been made. I have called Citibank twice ( XX/XX/XXXX and XX/XX/XXXX ) for clarification. On both calls I was passed from one department to another, only to have the call disconnected without any resolution. 

My husband has had the same experience with the bank ( he will be filing a separate complaint with you ), and the dozens of complaints written up by other customers at this site : XXXX XXXX XXXX  indicate that this reluctance to follow through on promises is widespread with the bank. 

I will attach a copy of the Terms and Conditions for the promotion ( which Citibank appears to still offer ) below.

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 2020-07-21 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: NJ

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. 
I believe that someone else may have a relative that may have forged my name XXXX or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
Please remove this account from credit report XXXX XXXX account # - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Received a phone call from Holloway Credit Solutions on XX/XX/2020. Returned their call to inquire why they were contacting me. First representative requested personal information to identify me and then told me I would receive a letter in the mail, she would not provide me with any information about the account that was sent to them to collect. She then hung up on me. 
I attempted to call 2 more times and was hung up on those times as well. 
My third attempt, I did speak with a representative that advised me of company that sent my account to them for collection. This account is for a medical facility ( XXXX XXXX XXXX ) that I am paying consistent monthly payments to and should have never been sent to a collection agency. I informed the representative of this and he said I need to make a payment over the phone with him immediately. He stated that they were reporting this collection to the credit reporting agencies and it would affect my credit. He also stated that the company ( XXXX ) was a member of the XXXX XXXX XXXX ( they are not ). One of the representatives wanted to know who I was employed with and other information that was not relevant either. I did tell them not to contact my place of employment. 
This account should have never been sent to them by the health care provider. 
Business practices from XXXX are unacceptable, unfounded, unethical, misleading and they should not be allowed to harass consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NV

Complaint narrative:
I was told by lonedepot XXXX XXXX Licensed Lending Officer NMLS # : XXXX, the total closing cost is around {$3000.00}. After they put different things including that I purchased points and origination fee of 2.8 %, which is to inflate the closing cost .it is outrageous to trick your customers in such manner, and make them sign documents. And they also did the same thing to my other friend who I referred. 
And I believe it deceptive and illegal to, charger my credit card for more than {$500.00}, run credit history, and to access my information by giving me a misleading information. 
Because of this my credit run has been affected. I want them to fix that. 

They recorded they conversation we had. That will proff what they do their customers!!

Company response to consumer: Closed with monetary relief