vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
This involves XXXX XXXX Westlake Portfolio Management. If they are doing this to me- they are most likely doing it to everyone and it is a matter of business practices. I hope you are able to use this case to put with others and get them to correct their business practices to be better in line with our laws and consumer protections or stop doing business so others are not harmed. 
This is what I have submitted at the XXXX for XXXX and Westlake Portfolio Management, each : I am trying to make a payment to Westlake Portfolio for XXXX Payments. Their system repeatedly says " Sorry, currently our system can't process your request. Please contact customer service at ( XXXX ) XXXX. '' But when I call the number provided they say they will not fix their payment portal but that I have to pay them over the phone - which is a ) not secure over the phone and b ) does not fix the problem so I will have to call again next month and the month after because they refuse to fix their system problems. Then they threatened me to ruin my credit by reporting me to all the credit agencies if I do not give him my credit card information over the phone rather than fixing their secure online payment system so I can long in and make my payments. " You are already 10 days late and I need to take this over the phone today ... '' In fact I have the email with XXXX from XXXX trying to pay them and it is now XXXX. 

I am now filing with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) against XXXX and Byte because my contract was with XXXX and they sold this contract to an inept and possibly illegal collection company and/or according to the website it is " XXXX Powered By Westlake ''. My hope is the Federal Government will be able to compile other cases and investigate. 

I contacted XXXX to get this resolved also and they simply gave me a form email to contact Westlake instead of resolving the problem either - and round and round we go while my credit is being ruined by these fraudsters!

You can see by the heading on their website that both Westlake and XXXX are responsible for this but neither of them is fixing the problem.

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 2023-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have an all cash offer to pay my PHH mortgage in full and I asked for an extension of the foreclosure sale date due to title issues. My mother, deceased in 2012 was still on title.

I also provided PHH all the documentation requested PRIOR to the foreclosure sale date which were : - Proof of funds in escrow - Sales contract And they still refused to extend the foreclosure sale date. So I also filed bankruptcy to stop the sale and buy time, and they still sold the house to a third party and are now having to rescind the sale. 

This is the fourth complaint I have filed against this unscrupulous mortgage company. I am a XXXX yo XXXX woman on dialysis trying to realize the generational wealth my parents left me and these people are doing their best to prevent that from happening. 

I need time to handle the title issue and have retained an attorney to do that. My cash investor is willing to wait until we can go through expedited probate. 

PHH will get their 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 2023-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio recovery associates have sued and threatened me via phone numerous times over small credit card debt ( sued over 5+ times over a {$3000.00} credit card debt ) have had many harassing attempts to serve me by knocking at my door at all times of day and making threatening remarks through the door. This is most horrific experience I went through. The credit card debt they purchased was due to medical issues I had back in XXXX they have no empathy and are relentless. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 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: FL

Complaint narrative:
To whom it may concern : I've contacted XXXX XXXX & XXXX to verify this alleged debt using the CFPB platform, and I haven't gotten a response to date. I asked XXXX XXXX & XXXX for a breakdown of fees, including how they calculated what they claim I owe. A copy of my signature on a contract or document that holds me responsible for this alleged debt. Proof that they are licensed to collect debt in my state. To cease any credit bureau reporting until I have validated the debt as required under the FCRA. XXXX XXXX XXXX XXXX failed to respond with the requested proof, so I'm asking that their report be removed along with anything associated with it be removed 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 2023-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
My loan was sold off in XX/XX/XXXX from XXXX to Freedom Mortgage. Freedom Mortgage has failed to acknowledge payments made with XXXX that were advance mortgage payments that were paid ahead in time. Even though I have provided all documentation proving these payments were made and they are aware these payments were made, they are failing to report XXXX and XXXX escrow payments and causing my account to go into an escrow shortage because they feel since these payments were made when I was with XXXX, they dont need to do anything. Also, anytime I make a payment over the phone to one of there live agents, they seem to not understand on how to properly distribute payments when they receive them, as they will put 100 % of your monthly payment into only principle and causing the rest such as escrow and interest to not be paid for. As of XX/XX/XXXX, they falsely reported to my credit company that my mortgage balance increased by {$2500.00}, causing my credit score to drop. They have not provided any documentation showing there findings, nor were they professional at any point during the process. Freedom Mortgage is not a professional mortgage company and are responsible for mismanaging many peoples loans. Please investigate this mortgage company and investigate my concerns, or there errors and there mistakes could cause me to go into foreclosure. Thank you

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 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
On XX/XX/2023 I founded that my XXXX  bank.accounts were locked for some come to find out its because of a law firm that uses very unethical practices to attempt to collect on something that have no knowledge of. I contact XXXX and they forwarded me to use on the unethical lay form practice s etc. my local bank.accounts are locked at the moment with no access to any.uc.and labor and industry funding that disrupting everything and the law firm knows about it and they continue to play practices like calling me telling me either and my recorded line ask me for my social I tell them that I'm not comfortable and they hang up on me I get bounced back and forth between one voicemail to another voicemail to another voicemail while my account s can't be accessed ... I'd like forward any required XXXX and bank information to have the situation to accessed this a quickly and efficiently as possible... .the law firm is Weltman , Weinberg & Reis Co. , LPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/2023 I requested by telephone that Ally bank close my CD early and transfer to my personal checking account. I was told it would take 2-3 business days. I have called three additional times as the money has not moved. They said they can not tell me when the money will be put into my account. The CD is still showing. I have asked for a supervisor to contact me and have not yet heard back. No one can give me a date when I will receive my money which is in excess of {$300000.00}.

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 2023-03-24 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: Marlette Funding, LLC
State: MN

Complaint narrative:
As a federally protected consumer, I am hereby expressing my right to privacy and this is an OPT OUT notice per 12 CFR 1016.7 I am now opting out and rescinding and ALL authorization, I the consumer any have given you. I mean any and all consent whether it be written, unwritten, verbal, implied, and nonverbal is revoked per 15 USC 6802. Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates " Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore, REPORTING transaction history is illegal. Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance. 

By : XXXX XXXX All Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2023, I made a payment of {$1100.00} towards my CareCredit card. This amount was made towards a promotional balance ending on XX/XX/2023. I have had various promotional balances paid off and CareCredit always put my payments towards those balances. Until this time. Instead of applying the VERY large payment towards the promotional balance, they applied it to the revolving balance on the card. I called to get the issue addressed and pointed out that they never handled my payments like this before, and because it has been over 60 days they are refusing to correct the application of the payment.

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 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
bankruptcy case number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-24 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: OK

Complaint narrative:
bankruptcy case number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Unauthorized inquires on my Transunion credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
`Hello, I have monitored my credit score for years with an Experian account. I have it on my cell phone to monitor it closely. On XXXX XXXX I get the usual notification about my credit score increasing by XXXX points. On XX/XX/2023 I get another notification, this time it made me lose my mind, Experian was stating I NO LONGER have a credit score. I called them right away, same day! I spoke with 3 different rep 's I spent an 1.5 on the phone with Experian trying to get an answer and hoping that they will be able to figure out their mistake, the 2nd rep said he needed it to transfer my call because he said it was really weird that yesterday I had a score and today it disappear, last Rep was with client services. She clearly told me that there was NOTHING Experian could do, that this only happens when accounts are NOT active or the accounts are closed, she continued and ask If I had open credit cards at this time??? I told her there must be an error 'I have abt 14 lines of credit '' she said that I needed to contact my credit cards and ask them to report because they are the ones that are NOT reporting to Experian!!??? Please help!! Attached you will find the screenshots of my notifications, this makes no sense I have ben wasting a lot of time on the phone with Experian risking my job! My HEALTH!!!

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 2023-03-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I reached out to Equifax via mail to inform them that inquiries were on my credit report that I didn't authorize. They sent me a letter stating that inquiries are factual and will remain on my report for 2 years. I disagree and I would like the following unknown inquiries to be removed from my report immediately XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Hi, I opened an Old Navy Credit card with Barclays bank last year. When I got the statement, I noticed a late fee. I called the bank and made the payment for my merchandise in full ( XX/XX/2022 ) and requested that they remove the late fee, which they graciously agreed to. Once they assured me of a zero balance, I also requested they cancel my card and delete the account. This was dine as well. They did mention that I should see zero balance in my next statement as billing takes some time to process it. However the next state I got had a late fee again. So I called immediately. The agent asked me to ignore these and said the waiver is still under process. But I need not worry, once it is processed I should see a zero balance. The next month I got another statement, and this time with more late fees. I called again and got the same response. To ignore. And that is what I did. Today I got a bill for over {$210.00}. My husband called the bank and was told now that there was a {$2.00} residual interest fee slapped on the card AFTER the card was closed and that I did not see. That fee does not get waived. It grows with {$40.00} late fees added to it. Through that loop hole the bank continues to charge you till you pay up. This is a SCAM!!! Pure harassment for us.

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A few years ago, someone filled federal taxes in my name, which now requires me to use an IRS issued identification number to file my taxes. Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when i pulled my credit report on XX/XX/2023. I pulled my credit because I am interested in pursuing my XXXX XXXX & wanted to apply for FAFSA ( federal aid ). I figured to check my credit before applying for federal student aid. I have filed a dispute with XXXX, Experian, and XXXX. 

All of the information ( credit reports, Identify Theft Victim 's Complaint and Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report, in which the accounts listed in the documents that start with 'Exhibit to FTC Affidavit Page ... ', are fraudulent. 

What boggles me is that I have fraud alerts ( freezes ), on my reports. However, lately ( within the past few months ), i've been receiving weird, unknown calls.

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 2023-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I'm trying to find out if we have any compensation going back prior to XXXX when Wells Fargo has to pay out for those they hurt by not allowing them to have a loan modification. It was XXXX when our troubles started- and we worked with Wells Fargo on a loan modification for months and months. All we wanted was a lower finance charge so we could afford to stay in our home of 12 years. We went back and forth with them, with them finally telling us they could only help us if we were in default on our loan ( we had been using credit cards to make our house payments, so we would not default ) They said they could only help us if we were 3 months behind in our payments, so we stopped putting our payments on our credit cards, per Wells Fargo 's advice. 
Then, after the 3 months, they declined to modify our loan AGAIN. 
We had excellent credit, aside from owing the credit cards- but because Wells Fargo lied to us, and reneged on their promise to modify our loan, we lost our home of 12 years. We have never recovered emotionally, nor have we been able to purchase a new home. Wells Fargo ruined our lives as we knew it- with fake promises to modify. But it happened just prior to XXXX what can we do now?

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