vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidated Recovery Group, LLC
State: MA

Complaint narrative:
I XXXX XXXX have a serious complaint to post with the Consumer Financial Protection Bureau ( CFPB ). A debt collection agency known as Consolidated Recovery Group has posted a collection against my personal credit reports, when all of the charges were posted with XXXX XXXX XXXX through a corporation known as XXXX XXXX XXXX. I have no ownership with this corporation, I am just the bookkeeper/secretary. However, there was never a personal responsibility agreement with XXXX XXXX XXXX from XXXX XXXX. The only agreement was with XXXX XXXX XXXX. In addition, my understanding was that several payments were made from a former client with multiple stolen credit cards. It took a great deal of time for these cards to be reversed from stolen identity theft. That is not a responsibility from XXXX XXXX, an individual with a bookkeeping position. Consolidated Recovery Group has by posting a collection to a non-responsibility individual, working for a Massachusetts Corporation. They are in serious violation of my rights under the Fair Debt Collection Practices Act. By connecting this debt to me personally, they are essentially developing a phantom debt to me personally, whereas the stolen use of credit is a federal crime and should be filed with the Federal Bureau of Investigation. Consolidated Recovery Group is in violation of their subscriber agreement with all three major credit bureaus, XXXX XXXX  and XXXX XXXX Respectively. Accordingly, I demand that this collection that shows an original balance of {$54000.00}, now shown as {$100000.00} be deleted immediately. This collection process is highly illegal and must be discarded, purged from all of my credit reports, and returned from Consolidated Recovery Group to XXXX XXXX XXXX. This debt posting is causing severe damage to my overall creditworthiness. DELETE THIS ACCOUNT PERMANENTLY!!! 
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 2021-05-13 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: MA

Complaint narrative:
I XXXX XXXX have a serious complaint to post with the Consumer Financial Protection Bureau ( CFPB ). A debt collection agency known as Consolidated Recovery Group has posted a collection against my personal credit reports, when all of the charges were posted with XXXX XXXX XXXX through a corporation known as XXXX XXXX XXXX. I have no ownership with this corporation, I am just the bookkeeper/secretary. However, there was never a personal responsibility agreement with XXXX XXXX XXXX from XXXX XXXX. The only agreement was with XXXX XXXX XXXX. In addition, my understanding was that several payments were made from a former client with multiple stolen credit cards. It took a great deal of time for these cards to be reversed from stolen identity theft. That is not a responsibility from XXXX XXXX, an individual with a bookkeeping position. Consolidated Recovery Group has by posting a collection to a non-responsibility individual, working for a Massachusetts Corporation. They are in serious violation of my rights under the Fair Debt Collection Practices Act. By connecting this debt to me personally, they are essentially developing a phantom debt to me personally, whereas the stolen use of credit is a federal crime and should be filed with the Federal Bureau of Investigation. Consolidated Recovery Group is in violation of their subscriber agreement with all three major credit bureaus, XXXX XXXX  and XXXX XXXX Respectively. Accordingly, I demand that this collection that shows an original balance of {$54000.00}, now shown as {$100000.00} be deleted immediately. This collection process is highly illegal and must be discarded, purged from all of my credit reports, and returned from Consolidated Recovery Group to XXXX XXXX XXXX. This debt posting is causing severe damage to my overall creditworthiness. DELETE THIS ACCOUNT PERMANENTLY!!! 
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 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My simple account was taken over by BBVA. Rollout happened on XX/XX/08 and was a disaster. I was locked out of my account both online and through the app. No customer service available. 
I waited until Monday and tried again. I was able to get in through the web but kept getting knocked out. No access through app. I called customer service multiple times and was hung up on both times. 
Managed to move my money to my main bank account but I was charged for each transfer and now they want to charge me to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/2019, WF CRD SVC reported an account to XXXX XXXX and XXXX. I requested that this account be removed from my credit report. the account was never removed from my credit report. I am asking for verification of this debt. the social security that the company has on file does not match my social security number. I haven't opened any accounts with this company. I am also having issues purchasing a home because of this account on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I owned a XXXX in Texas for XXXX years. I sold the business  to a person wherein according to the sales contract, he absorbed all debt and income of the business. This person proceeded to rob the corporation and sell off all assets for cash and successfully bankrupted the Corporation in 12 months. In his process he charged hundreds of thousands dollars on company credit cards, he never paid his vendors, he didn't pay any federal taxes or payroll taxes. He put hundreds of thousands of dollars in his pocket. He used a Capital One Credit Card that had my name associated with it and made a trip to XXXX XXXX, spending over {$26000.00} When he vanished and didn't pay the bill the credit card company came after me. That happened in XXXX and I have been explaining the facts to Capital One every since. Capital One refuses to correct and has ceased calling me but turned over to a collection company. I continue to get mail from them. 
Capital One reported the non payment to XXXX  XXXX XXXX and my credit score is very low. Too low to get any credit. I am XXXX  years of age. The only glimmer of hope I have is Capital will remove the complaint in XXXX, but at this time I suspect that I will not live long enough to see that happen. I was in business for XXXX years and handled XXXX  of dollars in purchases and payrolls. My credit was always excellent throughout all those years. Its certainly sad to realize that I must go to my grave with a bad credit report. I feel this is age discrimination at its worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/2019, XXXX XXXX XXXX reported an account to XXXX XXXX and XXXX. I requested that this account be removed from my credit report. the account was never removed from my credit report. I am asking for verification of this debt. the social security that the company has on file does not match my social security number. I haven't opened any accounts with this company. I am also having issues purchasing a home because of this account on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My reason for filing a claim is because our mortgage is a 30 year mortgage and I was moved three times to a different mortgage company and I have been in this house for a total of XXXX  years and with this mortgage company XXXX Mr. Cooper XXXX for 14 years and with the prior company XXXX XXXX XXXX XXXX XXXX for approximately six years. My issue is that I am still paying {$540.00} interest on the fixed loan which is 5.2 % on a monthly basis. All that goes to the paying of the loan is {$310.00} and taxes and escrow amount is {$680.00}. I believe that I am being swindled out of money because of the situation that I have just explained to you and also the fact that my payment never goes down, only up on a yearly basis. The loan # XXXX Mailing address for the company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX. My address is XXXX XXXX XXXX, XXXX, NJ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I sent letters to Experian Credit Bureau disputing the information being reported by XXXX XXXX XXXX. XXXX XXXX XXXX is an outdated account and the account has been paid in full. I also, informed them to that they are reporting delinquent when the account has been paid in full. I have yet to receive an update from Experian removing the inconsistencies.

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 2021-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX and asked them to apply my XXXX payment to principal and to send me a payoff letter as i was refinancing car. I contacted XXXX at least 7 times by phone and 6 by email since XX/XX/XXXX. The last contact was today XXXX XXXX to date, XXXX  still has not applied the XXXX towards principal nor have they sent me a payoff letter. Instead, they continue to add more interest to the loan when this loan should have been refinanced XX/XX/XXXX. I want XXXX to fix my XXXX payment, send me payoff letter and refund all interest accrued since XX/XX/XXXX. There is no reason why it has been 13 plus days and they still have not completed my request.

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 2021-05-13 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: AES/PHEAA
State: AZ

Complaint narrative:
I tried calling FedLoan ServicXXXX on XX/XX/XXXX but didn't get in touch with anyone. I called XXXX  XX/XX/XXXX and spoke with XXXX XXXX but didn't get any luck. I was calling about a FEDLOAN account ( XXXX ) not being updated since XX/XX/XXXX, which is odd because I have not missed a payment at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I XXXX XXXX have a serious complaint to post with the Consumer Financial Protection Bureau ( CFPB ). A debt collection agency known as XXXX XXXX XXXX has posted a collection against my personal credit reports, when all of the charges were posted with XXXX XXXX XXXX through a corporation known as XXXX XXXX XXXX. I have no ownership with this corporation, I am just the bookkeeper/secretary. However, there was never a personal responsibility agreement with XXXX XXXX XXXX from XXXX XXXX. The only agreement was with XXXX XXXX XXXX. In addition, my understanding was that several payments were made from a former client with multiple stolen credit cards. It took a great deal of time for these cards to be reversed from stolen identity theft. That is not a responsibility from XXXX XXXX, an individual with a bookkeeping position. XXXX XXXX XXXX has by posting a collection to a non-responsibility individual, working for a Massachusetts Corporation. They are in serious violation of my rights under the Fair Debt Collection Practices Act. By connecting this debt to me personally, they are essentially developing a phantom debt to me personally, whereas the stolen use of credit is a federal crime and should be filed with the Federal Bureau of Investigation. XXXX XXXX XXXX is in violation of their subscriber agreement with all three major credit bureaus, XXXX, Equifax and XXXX XXXX Respectively. Accordingly, I demand that this collection that shows an original balance of {$54000.00}, now shown as {$100000.00} be deleted immediately. This collection process is highly illegal and must be discarded, purged from all of my credit reports, and returned from XXXX XXXX XXXX to XXXX XXXX XXXX. This debt posting is causing severe damage to my overall creditworthiness. DELETE THIS ACCOUNT PERMANENTLY!!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reveiwed a current copy my credit report and show that an alleged collection to whom I have no knowledge is listed. I also reviewed alleged collection is shown as a charge of with a reporting open balance of {$1400.00} to which by law of FDCPA is a direct violation. Below are details of alleged collection item for review. 

creditor : XXXX-XXXX  XXXX  ( Original Creditor : XXXX XXXX MISSOURI ) Account Number : XXXX Also, this account also is listed with a hospital to whom I have no knowledge of given anyone permissable purpose to review any medical documents if any under federal law of HIPPA XXXX Please delete account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reveiwed a current copy my credit report and show that an alleged collection to whom I have no knowledge is listed. I also reviewed alleged collection is shown as a charge of with a reporting open balance of {$1400.00} to which by law of FDCPA is a direct violation. Below are details of alleged collection item for review. 

creditor : XXXX-XXXX  XXXX  ( Original Creditor : XXXX XXXX MISSOURI ) Account Number : XXXX Also, this account also is listed with a hospital to whom I have no knowledge of given anyone permissable purpose to review any medical documents if any under federal law of HIPPA XXXX Please delete account.

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 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A stranger showed up at my home. I asked who he was and I am not receiving non vaccination people nor stranger. The man did not identify himself slipping a paper in my door when I asked him to please leave. 
Bank of America has not responded to my complaint # XXXX my case previously. They sent a stranger to my door and force this letter in my door.

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 2021-05-13 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 — Investigation took more than 30 days
Company: RMS-Recovery Management Services, Inc.
State: GA

Complaint narrative:
I reveiwed a current copy my credit report and show that an alleged collection to whom I have no knowledge is listed. I also reviewed alleged collection is shown as a charge of with a reporting open balance of {$1400.00} to which by law of FDCPA is a direct violation. XXXX are details of alleged collection item for review. 

creditor : RMS-RECOVERY MANAGEMEN ( Original Creditor : XXXX XXXX MISSOURI ) Account Number : XXXX Also, this account also is listed with a hospital to whom I have no knowledge of given anyone permissable purpose to review any medical documents if any under federal law of HIPPA XXXX Please delete account.

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 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consolidated Information Services Solutions, LLC
State: OK

Complaint narrative:
Universal credit service at XXXX XXXX XXXX, XXXX XXXX PA XXXX has inquired on my credit report 6 times after informing them I am no longer interested in their service. The 6 times were XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

This has caused my credit score to drop and caused me to loose a house I had a contract on. The underwriters would not approve me because of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber
State: LA

Complaint narrative:
I had an auto loan that went into default in XXXX of XXXX with XXXX XXXX XXXX XXXX. They eventually transferred the file to some collection attorney who I have never received a phone call or paperwork on. Back at he end of the year knowing I was getting to the 7 year mark I started a dispute with XXXX to get this item removed from my credit report. Based on previous credit reports obtained from XXXX and the correct data of when the loan went into default the 7 year mark would be XX/XX/XXXX. I received info back from XXXX  stating the company has certified the info is correct. I than sent a letter with back up paperwork with previous credit reports from XXXX  showing where it was originally noted that this info would come off my credit report in XXXX of XXXX. Please note that it is not on my XXXX  report or XXXX and hasn't been for some time. After XXXX  received my 2nd dispute the results came back ( which I will attach all info ) and states the company that reported the information has certified to XXXX  that the info is correct. I have sent dated documents to XXXX  which I will enclose and I feel that this Collection agency is lying and not giving them accurate information. Please help me as this company is reporting negative and inaccurate information on my report. I have tried to reach out to them via letter and have been unsuccessful in receiving a response. Name of Collection Firm is Grant & Weber

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 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
I was never contacted by Transworld. I had to be told by XXXX XXXX that the account was even sent out to Transworld and to attain the contact information for Transworld. I was making monthly payments to XXXX towards the balance. I never received any letter to even inform me that Transworld had my account for collections nor any contact information for them. By the time I got the information they had sent my balance to my credit report. When I called on XX/XX/XXXX and asked how I could get it removed they said that nothing I do from setting up a payment plan or paying in full would get it removed from my report. I asked if I were to setup a payment plan prior to it hitting my report if that would of stopped it and I was told no-so not sure what the point in a payment plan is. I called XX/XX/XXXX to ask if I paid the balance in full if they would remove it from my credit report and I was again told no. I have not had any derogatory accounts on my credit and am upset on the way Transworld handles the accounts under them considering most medical bills are due to accidents or no insurance.

Company response to consumer: Closed with explanation