vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
My daughter and I co-own a single family house. She lives in it with her husband and children. My daughter 's family is struggling financially with reduced hours and the results of Covid-19. They haven't been able to pay their HOA dues because of the financial difficulties they are experiencing. The debt for those fees were first passed to a collection agency XX/XX/XXXX and a couple of days ago we received mail from a lawyer representing the HOA that we are going to be sued and they are issuing a lien on the property. The original HOA fees were about {$790.00}. The lawyer is asking for {$1500.00} which includes {$350.00} for attorney 's fees and a lien fee of {$75.00}. This is the second time this law firm has done this. This happened before in 2016 and we paid them {$1600.00}. With everything that's going on with the virus and people out of work, I don't believe people should be subjected to this kind of action. We are not disputing that the HOA dues are legitimate. The last time I looked, I saw multiple complaints about this law firm. Their name is Lazega & Johanson, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX, 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 2020-05-06 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: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: IN

Complaint narrative:
On XX/XX/XXXX I received a settlement offer from XXXX XXXX XXXX, on behalf of XXXX   offering to settle my student loan debt for {$6500.00}. Check was mailed on XX/XX/XXXX and was accepted/cashed by XXXX. On XX/XX/XXXX I am in the process of purchasing a home. The Loan Officer called me to say that the Department of Education is reporting that I still have an outstanding student loan in the amount of {$8000.00}. I called the DOE and was told they couldnt tell me anything because the loan had been placed with an agency, the Professional Bureau Of Collections Of Maryland. I called them on XX/XX/XXXX and was given voice mail, where I left a message. I called back later that day after not receiving a call back. I was sent to voice mail again and left another message. They were then closed for the weekend. On Monday XX/XX/XXXX I called and was given voice mail again. I left another message. I called a second time that day after receiving no call back and was transferred to XXXX, who told me he couldnt access my info and he transferred me to another office. I got voice mail again. I left a message. I received no call back so I called yet again. I told the receptionist that I really needed to speak to someone. She transferred me to voice mail AGAIN and I left another message. Im getting no help from this agency and cant even speak to someone about how to prove that the debt is paid. The Department of Education isnt helping at all either. This is keeping me from getting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Didnt not want to sign y for a credit card because I got denied in the past by the same consumer for not having valid ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX XXXX XXXX {$2400.00} charge me this since 4 years ago CREDIT CONTROL CORP {$560.00} charge me this since 6 years ago and have the wrong info and they still don't correct the info and say that is belong to me even thought I told them is not mine. I am a military spouse and I don't know why if I have 100 % benefits they charge me something that is not mine and ruin my credit this bad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a collections account to my credit file that has nothing to do with me. The date of birth connected to this collections account is XX/XX/XXXX and my date of birth is XX/XX/XXXX. I have contacted XXXX XXXX XXXX on numerous occasions to have this resolved to no avail. I spoke with extension XXXX XXXX XXXX XXXX and she assured me that this would be removed and to date it havent been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: Ascendium Education Group
State: IN

Complaint narrative:
On XX/XX/XXXX I received a settlement offer from XXXX XXXX XXXX, on behalf of Ascendium offering to settle my student loan debt for {$6500.00}. Check was mailed on XX/XX/XXXX and was accepted/cashed by XXXX. On XX/XX/XXXX I am in the process of purchasing a home. The Loan Officer called me to say that the Department of Education is reporting that I still have an outstanding student loan in the amount of {$8000.00}. I called the DOE and was told they couldnt tell me anything because the loan had been placed with an agency, the XXXX XXXX XXXX XXXX XXXX XXXX. I called them on XX/XX/XXXX and was given voice mail, where I left a message. I called back later that day after not receiving a call back. I was sent to voice mail again and left another message. They were then closed for the weekend. On Monday XX/XX/XXXX I called and was given voice mail again. I left another message. I called a second time that day after receiving no call back and was transferred to XXXX, who told me he couldnt access my info and he transferred me to another office. I got voice mail again. I left a message. I received no call back so I called yet again. I told the receptionist that I really needed to speak to someone. She transferred me to voice mail AGAIN and I left another message. Im getting no help from this agency and cant even speak to someone about how to prove that the debt is paid. The Department of Education isnt helping at all either. This is keeping me from getting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: FL

Complaint narrative:
This communication is in reference to the lack of response after three letters Ive sent in order to address the egregious actions undertaken by the car manufacturer financing company, during which they took possession of the vehicle by breaching the peace of my home in the middle of a global pandemic, after I had paid on time and in full all 36 payments agreed upon in the lease contract.

The country is under a National Emergency due the to the COVID19 pandemic which has impacted the entire United States, and is now the worst impacted country in the world. There is a mandatory lockdown in my state of Florida and weve been virtually told to stay home to prevent from spreading or catching this coronavirus for weeks now. 
Moreover, the US government has been trying to help those of us that have been impacted by this catastrophe that has left us without the possibility to work and earn our wages. 
Nevertheless, the car company has a financial arm that found nothing better than leaving me without transportation during these critical times and as though that were not enough, its also attempting to pass a liability of $ XXXX to me in these extreme economic circumstances, despite the fact that I paid for the lease contract in FULL by continuing to refuse to work with me in order to purchase the vehicle. 
Please help me address these issues once and for all so that I can resolve this matter amicably, rather than through the legal court system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
Company changed my account numbers at their whim. When I made payments to their automated system they did not apply them. They then reported me to the credit bureaus as delinquent causing damage and hardship to myself and my family. I have tried to contact them to resolve this issue and they have avoided trying to solve the problem. They have been using these tactics since I opened my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a collections account to my credit file that has nothing to do with me. The date of birth connected to this collections account is XX/XX/XXXX and my date of birth is XX/XX/XXXX. I have contacted XXXX XXXX XXXX on numerous occasions to have this resolved to no avail. I spoke with extension XXXX XXXX XXXX XXXX and she assured me that this would be removed and to date it havent been resolved.

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 2020-05-06 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a collections account to my credit file that has nothing to do with me. The date of birth connected to this collections account is XX/XX/XXXX and my date of birth is XX/XX/XXXX. I have contacted XXXX XXXX XXXX on numerous occasions to have this resolved to no avail. I spoke with extension XXXX XXXX XXXX XXXX and she assured me that this would be removed and to date it havent been resolved.

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 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

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 2020-05-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

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 2020-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I was contacted at my job on XX/XX/2020 ... .he XXXX XXXX XXXX ) left a msg with someone to call back. I didn't get the msg so the collector called again. I advised him that I was at work and to not call me at work, I advised him to call my personal cell phone. He apologized and said that he wouldn't call my work again. The next day XX/XX/2020 he calls my work again. Same thing, I tell him that i can not talk at work and to stop calling my job, he apologizes again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
First of all, my wife opened this account for special financing on her XXXX XXXX in which we setup the account for her paying {$150.00} each month from her credit union then I also decided to help make extra payments of {$87.00} from my bank account to help achieve the special interest free rate for her XXXX XXXX for 18 months! 
On XX/XX/XXXX ; we have observed that {$230.00} was taken out of BOTH accounts as we attended to the special rate and assumed 18 months interest free to help pay it off! 
After the first month we double checked to make sure that {$230.00} was taken out to achieve the special rate of interest free for 18 months! 
For some apparent reason ( after the first payment of {$230.00} taken out ) ; someone decided on their own ( Wells Fargo end ) to only take out {$150.00} TOTAL for payments on the account ending XXXX! 
Dont understand that I setup a payment of {$87.00} ( payment from my bank account as an extra ) was credited but ONLY {$63.00} was taken out of XXXX credit union instead of the {$150.00} ( which we were unaware ) as we planned on the special interest rate for the XXXX XXXX XXXXor 18 months! 
Needless to say, my wife informed me in late XXXX that her account was still deducting {$150.00} since XX/XX/XXXX! 
How is that possible when it was paid off in XX/XX/XXXX ; believed we had special interest free for 18 months financing? Then we discovered what had happened with the mix-up on payments! I immediately called WELLS FARGO and it finally was address to you! 
We would like to ask you for reconsideration for total payment made in FULL of {$1000.00} ( Balance is XX/XX/XXXX = {$1600.00} plus payments of {$600.00} in XXXX. 
After numerous calls to executive personals~ two of them ~~~ first one would NOT return my calls ; second one emailed once but sent a letter out US postal ( not received ) then called again yesterday and was told to pay {$1300.00} by XXXX XXXX to close this account! 
I figured we are paying an extra {$780.00} interest/finance charge for 18 month interest fee for XXXX XXXX purchased! 
I have had couple of loans through Wells Fargo with no issues and attempted to help my wife credit score raised but someone at Wells Fargo decided to change the payments that was set up on their own without permission then raised the deduction back on their own to continue paying original amount! We feel it was not our fault on their changing monies deducted on their own and we are being penalized for it! 
We are definitely tired of dealing with this fiasco and might send the check to payoff this excessive fees with Wells Fargo does NOT want to help XXXX XXXX in any way or form! 
PS : Still waiting for letter from second executive via US Postal Service which was mailed XX/XX/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 monetary relief
Consumer complaint received 2020-05-06 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: AES/PHEAA
State: IL

Complaint narrative:
My student loans were in forbearance and the creditor reported that I was late during the time for two consecutive months for XX/XX/2019 and XX/XX/2019. I spoke with someone that stated they will take care of the issue and reverse it but never did.

Company response to consumer: Closed with explanation