vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Solutions Group
State: MI

Complaint narrative:
XXXX XXXX from Consumer Solutions Group has left me repeated voicemails and when I spoke with him during XX/XX/2019, he told me he was calling from the Garnishment Department. I was extremely alarmed at first and made payment arrangements under duress that I can not afford due to his statement. And before that, he made the statement that he would inform them that we couldnt come to an agreement ; Im still not sure who them is. I was trying to explain to him my situation and Im on the verge of bankruptcy, to which he replied that pay day loans cant be claimed in bankruptcy, which is false. I soon realized that he is not calling from a court of law. I admit that I became angry with him, yelled and hung up on him, because it irritates me to no end that he was lying to me. I told him the third time I spoke with him that I was speaking with an attorney. He also wouldnt give me the address of the debt collection company ( I asked more than once ), but finally gave me the website and told me to look it up and get the address from there and see that they are a legitimate company and told me to have my attorney to contact him. I have been considering bankruptcy for a while and in fact did visit with an attorney a while back and I qualify to file, but didnt have enough money for that attorney at the time. I decided to go forward with the bankruptcy and contact an attorney, which I still cant afford, but feel I have to, because of his comment about working in the garnishment Department and the threat I felt when he said it, because I can not afford a garnishment, which now has me worried, because are they suing me or not? Also, when I asked to be mailed confirmation of this debt ( I asked more than once ) he wouldnt do it and I still havent received anything in the mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have disputed this accurate account in collections twice and have been provided no information to support the claim even though Experian says they have performed an investigation and received supporting information. This alleged information has not been provided to me and can not be considered accurate and true if I do not have access to review, verify and provide a rebuttal. No supporting evidence has been provided and my case has been closed twice. This is harassment and unacceptable practice from a credit bureau. It is impossible to dispute inaccuracies if I am not provided with the information given to Experian. This is entirely non- tramparent and I will pursue legal action if not 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 2019-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CO

Complaint narrative:
After having a student loan for years with Mohella, and having many problems with Mohella reps, who I could not understand due to the language and professional barriers, I have been banned from calling Mohella. It is not my responsibility nor job to deal with unprofessional conduct, therefore I can not resolve my student loan issues.

Additionally I have worked in a XXXX for over 20 years and it is my belief that this loan should have been totally forgiven.

Additionally, I would respectfully request a full apology from Mohella when this is resolved. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: MO

Complaint narrative:
These accounts ( 1 ) XXXX XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX {$3.00}, ( 3 ) XXXX XXXX XXXX XXXX, all are reporting fraudulently on my credit report. I have absolutely no knowledge of these accounts nor have I authorized the use of my information to obtain these accounts. I have previously on numerous occasions disputed them but the 3 major credit bureaus response was account verified. Now I'm demanding the Method Of Verification inwhich was used to  equate the accounts to me. What department investigated it, what was the employee name, and title, and what certified documentation was used to affiliate the accounts. Please provide me all relevant information or as stated within the FCRA laws, these accounts shall be blocked/ removed immediately from 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 explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I tried to obtain a refinance for my mortgage. I was denied because of false information on my credit report that was reported by XXXX XXXX XXXX XXXX. 
I attempted to dispute the fraudulent claims but they said that their system went down right before they submitted the report. I then tried to submit the claim online but the system said that my information did not match any of their files. I don't know how I could all of a sudden not have a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: MO

Complaint narrative:
These accounts ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 ) XXXX XXXX XXXX {$3.00}, ( 3 ) XXXX XXXX XXXX {$640.00}, all are reporting fraudulently on my credit report. I have absolutely no knowledge of these accounts nor have I authorized the use of my information to obtain these accounts. I have previously on numerous occasions disputed them but the 3 major credit bureaus response was account verified. Now I'm demanding the Method Of Verification inwhich was used to equate the accounts to me. What department investigated it, what was the employee name, and title, and what certified documentation was used to affiliate the accounts. Please provide me all relevant information or as stated within the FCRA laws, these accounts shall be blocked/ removed immediately from 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 explanation
Consumer complaint received 2019-03-30 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: MO

Complaint narrative:
These accounts ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 )  XXXX XXXX XXXX {$3.00}, ( 3 ) XXXX XXXX XXXX {$640.00}, all are reporting fraudulently on my credit report. I have absolutely no knowledge of these accounts nor have I authorized the use of my information to obtain these accounts. I have previously on numerous occasions disputed them but the 3 major credit bureaus response was account verified. Now I'm demanding the Method Of Verification inwhich was used to equate the accounts to me. What department investigated it, what was the employee name, and title, and what certified documentation was used to affiliate the accounts. Please provide me all relevant information or as stated within the FCRA laws, these accounts shall be blocked/ removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I tried to obtain a refinance for my mortgage. I was denied because of false information on my credit report that was reported by Wells Fargo Home Mortgage. 
I attempted to dispute the fraudulent claims but they said that their system went down right before they submitted the report. I then tried to submit the claim online but the system said that my information did not match any of their files. I don't know how I could all of a sudden not have a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX I made a purchase on XXXX buying a laptop unfortunately upon purchasing and activating no less than 2 hours the laptop started to smoke and start a fire due to hazardous concerns and the lithium battery that was installed that can not be taken out I was unable to send back to the mail due to certain restrictions that applied. had to dispose of it in a proper manner I alerted my credit card company of the situation because I wasn't able to rectify on my end, they did a chargeback and eventually took it back now it's supposed to be under review along with some other cases that I have and I'm being treated unfairly I am afraid that the team that they have working in the investigation team are not actually investigating due to one of my other cases that I have open I would like you guys to assist with this one also because my evidence didn't matter the last time I presented I wasn't treated with respect on till I contacted MasterCard directly after countless hours on the phone with Capital One I keep getting this information and bounced around from it's almost like they're treating these Merchants like if they are a MasterCard hold on I am the actual card holder with the Privileges and the protection that they provide the buyer protection and with the consumer Fair Act I expected more I expected so much more from capitalone they treated me like a liar the last time I asked them to step in and they're taking so long to wrap this up it's already four months, I think I got rubber-stamped no one seemed to really look at the evidence and really really help me and now I think if they're being funny because they're supposed to be working on another case for {$180.00} and another one for {$120.00} for a fake bracelets and I was in communication with a third-party call with MasterCard and lo and behold they were willing to help me after countless hours that they on the phone with them they were very nasty they didn't even want to help me at all but as soon as MasterCard patched me in they were so willing but I'm still waiting absolutely nothing is being done I was supposed to be sent paperwork for one of the decisions that they had made that's why I'm contesting it and I still haven't received that because I told them I think that's a lot presented fraudulent evidence only because I am the one with the fake bracelets Still but that has nothing to do with this case I'm just mentioning it because I'm noticing a problem with them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I have a loan with AMERICAN CREDIT ACCE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and AMERICAN CREDIT ACCE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
The loan started with XXXX Account # XXXX This Loan was transferred to CiTi Mortgage Account # XXXX Now it is XXXX  account # XXXX We wrote a letter to your agency in XXXX due to the fact that CiTi Mortgage changed this mortgage in XXXX when they received it from XXXX. We did receive any results from this complaint so could you please submit this as a new complaint. Again we are providing proof of a letter from the Title Company in  which we closed this loan reporting that there is no Balloon Mortgage on file. In XXXX I visited the title company regarding another matter and the title company employee remember the closings from the builder of the properties and she pulled up the enclosed Amortization Schedule which shows that CiTi Mortgage not only change the loan the change the interest rate and payments lowering the payments by two dollars so that they could collect thousands. When we provided this information to CiTi mortgage nothing has change they continue to bill us has this is a Balloon Mortgage. Providing us with documents that we have no knowledge of where they came from. Now they are transferring this mortgage to another mortgage lender so they can erase all the past request to fix this mortgage. Attached is the following : The letter from XXXX, on XXXX XXXX, reporting that the terms and conditions of the loan would not change. On XX/XX/XXXX, CiTi Mortgage made the changes to our account which we viewed on line. B. A letter from XXXX XXXX reporting that there is no balloon mortgage on file. C. The correct Amortization Schedule that was received from XXXX XXXX on 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 explanation
Consumer complaint received 2019-03-30 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: Bonneville Billing and Collections
State: UT

Complaint narrative:
I have an open delinquency from Bonneville Collections that lists XXXX XXXX XXXX as the original creditor. The only time I've worked with XXXX XXXX XXXX was nearly 3 years ago when I moved out of a home that I rented from them. The company asked me to move out and I moved out as per their request and left the house in considerably better condition than it was when I moved in. My rent was paid in full and they never returned my deposit. The company has not attempted to contact me in any manner. I have had the same phone number for 6 years and have put in official change of address with the post office so if they had mailed me anything, I would receive it. There is absolutely no reason I should have an open account with them. Please investigate and remove from my report. I am working very hard to repair my credit and this has set me back incredibly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Strategic Alliances, Inc.
State: AL

Complaint narrative:
I had couple collection companies calling me about the debt to the original creditor XXXX XXXX for the amount of {$550.00} and then last person that call me said that I owe around {$900.00}. 
I personally call XXXX XXXX and they told me that I had pay that debt, also I have a letter confirming that I make that payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
After pulling credit I instantly disputed the account which didnt belong to me I gave my information and instantly provided my letter to all 3 bureaus

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 2019-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
I had couple collection companies calling me about the debt to the original creditor Advance America for the amount of {$550.00} and then last person that call me said that I owe around {$900.00}. 
I personally call Advanced America and they told me that I had pay that debt, also I have a letter confirming that I make that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
CACH LLC sent me a letter today ( XX/XX/XXXX ) stating that they are going to garnish wages of mine from a bill that originated in XXXX. In the letter, which was not sent certified, I am told that XXXX XXXX from the company wants to garnish my wages for a medical bill that is nearly 13 years old. 
The letter has a date stamp of XX/XX/XXXX, yet the postmark shown on the envelope shows the letter was mailed to me on XX/XX/XXXX. 
There is no information showing what this bill is for ( although I  was in a XXXX XXXX in XX/XX/XXXX, so I can only deduce that this is what this collection is about ). All of my medical bills from the XXXX XXXX  were on my credit report for 7 years and after the seven years, the credit reports that were printed off showed that the judgement from this company had been written off. Now I am getting notice of a wage garnishment. 
I will be including copies of the information that CACH sent to me. Allegedly, the date of judgement was on XX/XX/XXXX. Since that time, the judgement does not show on any of my records. Initially there was a judgement on my record but it was removed after the statutes of limitations had expired. It had been listed as written off and was removed from my record. 
Nothing on my credit report shows a new judgement. 
You will note that the creditors claim shows that the date of the judgement was on XX/XX/XXXX ( which is not accurate if you view my personal records ) and says : Unpaid balance on judgement : {$3900.00} Unpaid post judgement interest : {$3400.00} Total amount owe3d by debtor : {$7400.00} This is rediculous. The judgement had already been written off, I am on state aid and when I found out that this judgement was written off, I didnt expect it to haunt me nearly 10 years later. 
The papers I got were not formally sent to me requesting a signature, nor have I been contacted by this company in years. I will be providing all of the information in the hopes that this will get resolved. If a company writes off a debt and a judgement is realeased and removed, there is no way that this should continue to follow me, and now they are trying to seek wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I had an auto Lon with Citizens one finance were my vehicle was deemed a total loss. My insurance company and GAP insurance paid the amount owed checks cut on XX/XX/16 & XX/XX/16. Somehow it appeared on my credit as a Repossession. I recently opened a dispute to remove the balance and now my credit decrease -55 points! Im not sure where the error came from but Ive been penalized for over 3 years now with everyday finances due to more then likely a customer rep. With removing or decreasing the balance my credit score should have risen. This needs to be handled AS SOON AS POSSIBLE! I will be contacting a lawyer to see whats the best way to move forward with dealing with this company and the credit bureau. Theres an error somewhere on either one of not both parties and it needs to be resolved NOW!

Company response to consumer: Closed with explanation