vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
I opened an auto loan with Quality Acceptance. In XX/XX/XXXX. The car was repossessed XXXX of XXXX. I never recieved any proper communication before repo. 

The car was dragged out of my driveway with no communication of their intent to do so. They would eventually send the car to auction.Without giving me the option to recover. 

I am unsure of the auction price because they refuse to give me any information. A few months later the pandemic would hit. The amount owed after the car was sold was never updated to credit bural. When it did. It updated as a charge off of XXXX. 

I would later recieve an update of the account being " Closed and Charged Off '', I tried calling to figure out what I actually owe, but Quality Acceptance keeps changing the amount. They won't give me a straight forward answer and are very aggressive on the phone. 

I have no idea why I owe this new XXXX amount, and I haven't recieved an invoices since XXXX for ANY of these new amounts chaged to the this closed and discharged account on my credit file. 

I believe this company is using unlawful practices to force people into paying significantly more then what they originally owed. My balance was a little over XXXX in XXXX. 

Without notice, now the balance is XXXX. They have charged over XXXX since the account closed in XXXX. Keep in mind this account is closed, and I haven't received a single invoice, phone call, or email communication for ANY charges accuring on my report. As of today XX/XX/XXXX. 

I think they know I can't pay this amount. And they a purposely and with bad faith, attempting to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have tried to contact by mail/phone to CREDIT agents several times to delete inaccurate information on my consumer report. Equifax and XXXX are reporting income on my consumer report. I have sent out several letters of reinvestigation m. charge off need to be deleted immediately. I have call both CREDIT agents and send letters. Account XXXX XXXX XXXX ( XXXX ) need to be delete it according to IRS this is gross or ordinary income. I did not receive a 1099c from creditor. XXXX and Equifax reported inaccurate information on my consumer report. b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to FCRA section 623 is a violation that both credit agencies have been reported on my consumer report every month as a charger off. This Need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
i just received a bill in the mail from '' XXXX XXXX '' no dr name only a date. i have 100 % coverage from Medicaid and Medicare plus XXXX XXXX medically necessary. 
this allegiant debt is from XX/XX/2022 plus added interest from TSI and a letter stating pay or it will go against my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I was alerted via text by a company called One Main Financial, the {$6000.00} personal loan papers were ready to sign. This happened on XX/XX/2023. I called the XXXX, CA branch and paid them a personally visit. I was told that the person I spoke to on the phone XXXX was not there. Just a young lady was at a desk behind a stack of papers. I asked her for the loan documents that were in my name and gave her my driver 's license to verify me. She refused. Said to call a number in Texas. I tried many times trying to get a hold of a XXXX without any satisfaction. This is part of a fraud series of events and is among one of 43 inquires for credit or loans by this fraudulent individual. I do not know the status of this loan but they at One Main Financial said that it originated on-line request with XXXX XXXX. I have made no dealings with XXXX XXXX or One Main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied Capital One Venture card with 800+ credit score and clean credit history and got denied immediately left my credit report with a new hard inquiry. 

This happens for many people commented online citing that Capital One is out of room for new applicants. If that so, then please have Capital One stop recommending and marketing this product to avoid people applying and leaving a hard inquiry on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: GA

Complaint narrative:
Sent out serval supporting documents for a proper investigation and companies refuse to conduct a investigation.

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 2023-03-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX payments were made on these dates can you provide me with proof of these payments being late.

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 2023-03-05 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: AES/PHEAA
State: PA

Complaint narrative:
Account info Account name PHEAA/FED LOAN SERV Account number XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Made a dispute with XXXX on XX/XX/XXXX regarding an unapplied payment made for XX/XX/XXXX on XX/XX/XXXX against the advice of NEWREZ-SHELLPOINT XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX due to company doing an " accounting '' of my account. By law a lender must apply any payments received NEWREZ did not apply the payment which l received back a closing since l sold the property to get rid of NEWREZ due to the problems that l had with them since XX/XX/XXXX which they charged me lender insurance when l had homeowners insurance through XXXX XXXX for years before this company took over my loan which was sold to NEWREZ. l have made over 40 phone calls to NEWREZ asked for accounting of my account and XXXX " investigations ''. I have never received a call or any letters from NEWREZ. l am XXXX and am on additional medication for XXXX XXXX XXXX XXXX XXXX XXXX due to the months of stress. I made a payment and NEWREZ never applied it and XXXX is showing maximum delinquency which is incorrect. l did my part of making a payment the most the XXXX should show is 30 day late payment however there should be no delinquency since NEWREZ advised me not to make a payment. The property closed on XX/XX/XXXX and NEWREZ was paid off. All they did was lie to me they never contacted an accounting or any investigation of any kind, l was told they were cancelled right after l requested it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/23, I submitted a request for loan modification. On XX/XX/23, XX/XX/23, and XX/XX/23, I submitted all documents in support of my application. In between and most recently on XX/XX/23, Select Portfolio Servicing, Inc. ( " SPS '' ) sent me incomplete application notice. This notice continues to request documents which are not applicable to me such as proof of pension income or loss and profit statement when I neither have pension or own business as is reflected on my application. SPS is not reviewing my application with reasonable diligence and is intentionally delaying the process so as to avoid having to modify my loan. SPS is intentionally preventing me assuming or assuming and modifying my former late husband 's mortgage on my property. Based thereon, SPS is intentionally interfering with my property rights as successor in interest to the real property located at XXXX XXXX XXXX, XXXX, CA 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 2023-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was scammed into wiring money on two different occasions in XX/XX/2022 to a bank account under the name XXXX XXXX XXXX acct # XXXXBank of America XXXX routing # XXXX. First transfer {$2000.00} and second {$6000.00}. I have called their fraud department who saw each transaction and was unable to assist in returning money. Told me I had to get a lawyer and subpoena the account. I have tried with my bank XXXX XXXX unsuccessfully. I need assistance is getting my money back. I have been drained mentally thinking about thi scammer who scammed me out of a lot of money.

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 2023-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I received a debt collection notice via USPS on XX/XX/XXXX  for the amount of XXXX owed to XXXX XXXX XXXX, I called my local XXXX XXXX XXXX in North Carolina to verify the information given, They informed me that this is a bill for an address in Florida and this could be a result of fraud since I have never lived or opened an account in Florida. They informed me to report this to www.FTC.gov and call all credit report agencies, I also tried to call the collection agency Helvey & Associates , Inc . I left a message to call me with all information provided, I have yet to hear back a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: COLLECTION ASSOCIATES, LTD.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing this dispute in reference to the attempts of an unlicensed collection agency, Collection Associates LTD, to collect a debt from me. This agency has been harassing me with frequent phone calls and letters, and I believe that their actions are in violation of both state and federal laws.

Firstly, according to the laws of Florida collection agencies must be licensed in the state in which they are conducting business. I have reason to believe that Collection Associates LTD is not licensed to operate in Florida. 


Additionally, I have reason to believe that XXXX XXXXXXXX XXXX has violated the Health Insurance Portability and Accountability Act ( HIPAA ) by accessing and using my personal health information to collect the debt. I did not give Collection Associates LTD permission to access this information, and their unauthorized use of it is a clear violation of HIPAA. 


I am demanding that the CFPB take immediate action to investigate Collection Associates LTD for their illegal collection practices. I believe that Collection Associates LTD has engaged in unfair and deceptive acts in violation of the Fair Debt Collection Practices Act ( FDCPA ) and HIPAA.

I request that the CFPB take all necessary steps to halt Collection Associates LTDs illegal collection activities and to ensure that they are held accountable for their violations of both state and federal laws.

I hope that you will take swift action to address this matter and to protect my rights as a consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hi, The issue that XXXX filing is a complaint about is BankAmericard XXXX XXXX XXXX ending in XXXX. Bank of America charged me interest fee of {$23.00} on XX/XX/2023. The reason is because the payment was not made on time due to a problem in bank of America 's system. I had scheduled Autopay on Bank of America 's website to pay the full Statement balance from my external XXXXl XXXX Savings account. I closed my bank of America checking account ( number ending in XXXX ) in XX/XX/2023. Somehow the closing of this checking account resulted in the XXXX being wiped out for the BankAmericard XXXX XXXX XXXX ending in XXXX. When the autopay stopped working, due to no fault of mine, Bank of America charged me late fees and interest charges. I contacted Bank of America about the late fees and they promptly refunded that amount ( as shown in the first screen shot ). However they refuse to refund the interest charge even after spending quite a lot of time/multiple phone calls, explaining the problem and asking Bank of America XXXX XXXX the issue. 

Thanks, 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 monetary relief
Consumer complaint received 2023-03-05 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Account info Account name HYUNDAI CAPITAL AMERICA Account number XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B

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 2023-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
My purse was stolen on XX/XX/2023. The criminals attempted to transfer funds from my XXXX XXXX XXXX  via Cash Ap. I do not have a cash ap account, however, I contacted cash ap to try and get the criminals account shut down and cash ap said there is nothing they were willing to do and were unable to look up my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received an email from XXXX saying someone was trying to use my account to buy crypto. Someone called me named XXXX and set himself out as a representative of XXXX. ( At that time I had tried to close my coinbase account several years earlier and it was restricted ). I found out later this guy was a scammer and scammed me out of {$1200.00}. Chime Bank has denied all of these fraudulent transfers saying they were not an error. Basically saying i'm the one that did all this. I've sent them multitudes of emails denying this I've already closed. My secured credit card with them and my savings account and as soon as all my debits are out of my account I am closing this account. I've been victimized first from the scammer and now from my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I spoke to someone about 4 weeks ago and they said I would be contacted regarding the complaint in approximately 10 days. I have not heard from anyone. 

This is regarding when I was employed by WF and was in process of getting a mortgage ( I have the loan numbers & info including an email from mortgage rep telling me to just let it go and move on ) I was about 2-3 days from signing when asked for additional XXXX in funds, loan fell through and all the funds I paid were lost, I did consult an atty and was advised I was entitled to those funds back but WF Mortgage and Mgr told me if I wanted to keep my job to not say anything and let it go even the money to the XXXX XXXX " You might as well just put this behind you and move on " Very frustrating as I am a widow and had moved to XXXX XXXX to help my Mother who was ill and passed since then. 

please have someone reach out to me @ 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 2023-03-05 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: Applied Business Services, Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute the debt collection efforts by Applied Business Services , Inc. for an alleged debt that I do not owe. Furthermore, I have learned that this collection agency is not licensed to operate in the state of Florida, which raises serious concerns about their compliance with state and federal laws. 



Despite my repeated requests for information and validation of the alleged debt, Applied Business Services , Inc. has failed to provide me with any evidence or documentation to support their claims. Furthermore, I have recently discovered that this collection agency does not hold a license to operate in the state of Florida, which is a violation of state law. 



I have also been contacted by XXXX XXXX XXXX XXXX, who claims that I owe a debt for services rendered. However, XXXX XXXX XXXX XXXX has been unable to provide me with any documentation or evidence to support this claim, other than a digital copy of my signature. I do not recall signing any agreement or contract with XXXX XXXX XXXX XXXX, nor do I have any record of receiving the services for which they claim I owe a debt. Furthermore, I believe that it is highly irregular and questionable that Applied Business Services , Inc. is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX, who can not provide any documentation or evidence of the debt other than a digital copy of my signature. 



As a consumer, I have the right to request validation of any alleged debt and to receive accurate information about the party attempting to collect it. I am deeply concerned that Applied Business Services , Inc. and XXXX XXXX XXXX XXXX are engaging in questionable practices, and I believe that this raises serious questions about their business practices and their compliance with state and federal laws. 



I am requesting that the Consumer Financial Protection Bureau investigate Applied Business Services , Inc. 's debt collection practices and take appropriate action to ensure that they are operating in compliance with state and federal laws. Additionally, I request that the negative items be removed from my credit report immediately. 



Thank you for your attention to this matter. Please contact me if you require any further information or documentation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation