vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
On XX/XX/2023 I placed letters paying 2 credit card bills into the United States Postal Service mailbox. My letters which included checks were both stolen and never arrived to the destinations. One check that I sent ( USPS ) to XXXX card services was cashed by the perpetrator and used to extract {$6800.00} from my account at Old National Bank on XX/XX/XXXX, XXXX.I went to the bank and reported the theft, filled an affidavit and I also filed a police report with thXXXX XXXX XXXX XXXX XXXX Illinois Police department . Today is XX/XX/XXXX, and I have yet to receive any reimbursement of the money taken from my 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 2023-07-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account. 

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation.

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 2023-07-01 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I had an XXXX store credit card that they recommended me to get and use in the store. When I got the card, I enabled auto pay which stopped working because of some bug at XXXX credit card end. Instead of notifying me, they kept charging me interest and then showed late payments on Experian. A {$30.00} purchase led to drop of over XXXX on my credit score. As soon as that happened i paid off charges and closed my credit card. Since then i have been asking them to fix the wrong record on my Experian report but they havent made any progress.

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 2023-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
My account with Coinbase has been blocked by them since XX/XX/2023. 

I tried multiple times to talk with customer service, and their typical response was that the support team was reviewing the account. 

I have approximately {$2300.00} in crypto currency in their custody and they will not re-instate my access nor refund my funds. 

I even twitted to the CEO of the company in an attempt to get this issue resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: KS

Complaint narrative:
WAKEFIELD AND ASSOCIATES Last reported XX/XX/2023 {$430.00} Open balance XXXX XXXX XXXX XXXX Original creditor My original balance was {$560.00}. I paid XXXX {$100.00} XXXX {$61.00} XXXX {$100.00} XXXX {$300.00}. I paid these amounts directly to the original creditor XXXX XXXX XXXX XXXX. I have filed a dispute 2 times through XXXX and XXXX. WAKEFIELD AND ASSOCIATES has been contacted on this matter and they keep confirming that I still owe the debt. I sent them a cease and desist letter on XXXX explaining that i choose to deal with the original creditor and that in fact this debt is paid in full. WAKEFEILD AND ASSOCIATES still has confirmed with the credit bureas that the debt is still owed. I provided them a payment history from my HSA debit card and they still keep reporting the amount of {$430.00} is still owed. I can not deal with all this stress in dealing with this issue as my health is not good.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I applied for the Destiny credit card issued by First Electronic Bank and provided the documentation they requested to verify my identity, when I called to ask about the application status. I received another request over the phone to supply a utility bill for identification, even though there was no written request for this information, had I not called I would have not known about this missing information. The process took more than two weeks. 

I then received an email on XX/XX/XXXX letting me know that my application was denied, because " Unable to contact you per alert on your credit report. '' They called ONCE, and I missed the call, and they made no further efforts to contact me again, or to leave a voicemail so that I was aware they were trying reach me, and I was unaware what number they would be calling from as well. I had also called them multiple times to verify my information, from the number listed on my fraud alert. 

This organization is not following the law and complying with fraud alerts adequately. A fraud alert is a security measure consumers can take to protect their personal information, requiring proper verification of credit inquiries. These inquiries should be properly handled so that fraud alerts can protect both banks and consumers, and should not be used as a reason to deny applications or discriminate against these applications that require lawful measures of security and protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: TN

Complaint narrative:
I have called the company time and time again over the past years to get this account fixed. I have paid both account in full within the time frame they initially told me I could without any negative backlash as I was in a bad financial situation at the time of the accounts being open and active. They proceeded to still charge off the accounts and take full payment from me. I feel as if this is just how they had planned to hurt me in a personal way because I could not make my payments on time due to my situation at the time.I have been fighting to have these account fixed on my consumer reports for years to no avail. I recently learned about the CFPB as I'm working to get my credit reports fixed to be able to buy a home soon in the future. The account numbers are as follows XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX Below I will also include screen shots from my credit reports showing the account information in more detail.

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 2023-07-01 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: CA

Complaint narrative:
These companies have reported late payments. 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 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 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 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 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-07-01 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
XX/XX/22 I moved out of the XXXX XXXX XXXX Which was my lease and date keys and all fees was paid and turned in to the manager XXXX Note this is on my credit which makes no since

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/23 I tried to create an online account so as to be able to place a credit freeze on my information. I received a message that I was unable to complete this and that a verification code would be sent by regular mail. 
On XX/XX/23 I received the verification code by mail, then went to the web site and entered my email address and the code. I received a response that my account was set up. 
However, when I tried to the enter the account with my email address and previously set up password, it failed. Presumably I had the incorrect password. I then tried to use account recovery, but it has also failed and I received a message to call Equifax. 

On XX/XX/23 I called Equifax and spoke with XXXX. She reset the password after a lengthy complex identification process involving taking photos of my idea and myself, etc. Then she told me not to log in for XXXX minutes. But then she told me to log in while talking to her anyway and the log in failed Then she told me to wait XXXX hours, which I did. The login with the new password failed again, as it also did XXXX hours later. 

My only recourse seems to be to call Equifax back and do another password reset, but from reading similar experiences online it seems very likely that the same thing will simply happen again. I'm amazed that people who have such a poor online account system are allowed to handle my sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
We received a debit card from Chrysler Capital ( managed by XXXX XXXX XXXX ) in regards to a vehicle we sold. It came as a debit card. We attempted to transfer it to our bank account and it showed pending. It went back to the card instead of transferring. We tried to use the card since we have made multiple attempts to contact them via phone and email to no avail but it comes back as expired ( We initiated the transfer prior to the card expiring ). When I log onto the account, the money is still there. 
We just want the money due us and we really are disappointed that we were sent a debit card as opposed to a check. We also we like to be able to speak to someone via XXXX XXXX to fix the issue. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Recently my place of work was hacked somehow, forcing the company to write physical checks, I have been depositing the same check to Wells Fargo for at least a year now and it shows up the same everytime. The most recent one was placed on hold, I have dealt with holds before, but this one is an exuberant wait time of 12 days. I believe the maximum a bank is able to with hold a check is 7 by Law, meaning there is an extra 5 days added to my wait time. Apparently it was held for a bad signature and when I called and asked there was nothing they can do about it. I have bills I need to pay, my account is over drafted because I had to pay my rent. I literally will be paid again before this check clears.

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 2023-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am filing this complaint against my mortgage company PHH Mortgage. I have already filed this complaint once but nothing was done. The complaint # is XXXX. As I stated in the original complaint, My payment for the month of XXXX went from {$830.00} to {$1400.00}. When I called to ask why I was told it was because my insurance went up, which I confirmed with my insurance company. What I also found out was that the insurance was never paid. It was due in XXXX. So my carrier dropped me leaving me with no insurance for 5 months. My question and complaint is this, if they never paid my insurance, where did the additional {$650.00} go? It did NOT go to the insurance company so it must have gone into the coffers of PHH. Since then I have had to get new insurance and had to pay for a home inspection as well of {$110.00}. I am not going to let this go with this company. If I have to file a small claims case for it I will. I have never filed any kind of claim for anything ever. But like I said, I am not willing to let this go. I asked PHH to apply the additional funds that they charged me for XXXXXXXX XXXX payment to the principal and they flat out refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX has placed a fraudulent account # XXXX with the unproven amount in collections on my credit report on XX/XX/2023. 

Without providing the requested documents in which I requested regarding the company alleged claims. 

I disputed the entire matter in writing to Absolute Resolutions Investment LLC service processor XXXX XXXX XXXX XXXX as required before XX/XX/2023 per notice received from XXXX XXXX XXXX XXXX. 

I disputed this matter in writing sent vis XXXX XXXX XXXX mail XXXX XXXX and via email to XXXX XXXX XXXX XXXX in care of Absolute Resolution Investment LLC. 

XXXX XXXX XXXX XXXX placed their account with the fraudulent amount allegedly owed in collection on my credit report on XX/XX/2023 prior to XX/XX/2023 in which their service processor XXXX XXXX XXXX XXXX notice stated to dispute the matter by XX/XX/2023. 

XXXX XXXX XXXX XXXX and Absolute Resolutions Investment LLC refuse to provide me documentation as requested, regarding this matter in which I am disputing. 

This company is using gross tactic, tricky and is threatening to sue me in court if I don't pay them. 

I also had to dispute Absolute Resolution Investment XXXX on my credit report to XXXX on XX/XX/2023 still awaiting a response. I do NOT owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NM

Complaint narrative:
I viewed an apartment and started ( but did not finish ) the application process in XX/XX/2022 with XXXX XXXX in XXXX. My credit was frozen at the time, so when I got a notification that the application was submitted I cancelled my debit card to reverse the funds for the unit that I had not been ready to apply to. I cancelled my application, yet a collection account is showing for XXXX  for an apartment I never applied to nor lived in. The application was cancelled, not denied. It was not even processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
SOURCE RECEIVABLES MNG has flagged your account as Collections on XX/XX/2023. I have NEVER had an account with XXXX XXXX in my life. this needs to be remove from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I am writing to file a formal complaint against Westlake Financial, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX regarding fraudulent practices and the inclusion of an unauthorized extended warranty in my auto loan contract. The actions of these entities have resulted in financial harm and a violation of my consumer rights. 

On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$11000.00} ( see attached XXXX  and XXXX ), with a down payment of {$1300.00} ( {$500.00} trade-in and {$800.00} cash ). To finance the remaining amount, I secured a loan through Westlake Financial. 

Recently, on XX/XX/XXXX, I noticed that my loan balance with Westlake Financial had not decreased as expected. Concerned about the discrepancy, I contacted Westlake Financial ( XXXX see attach XXXX ) to seek clarification. However, the representative I spoke with was unable to provide a clear explanation for the inflated balance. Upon further inquiry about an item called " XXXX WARRANTY '' listed on my loan contract ( See attach XXXX XXXX - Account number : XXXX ), the representative failed to provide a satisfactory explanation. I asked to be transferred to a supervisor. Unfortunately, the call was abruptly disconnected, leaving my concerns unresolved. 

I made a subsequent call to Westlake Financial on XX/XX/XXXX ( XXXX see attach XXXX XXXX, to address the issue once again. During this call, I was connected with a supervisor who shed some light on the matter. The supervisor confirmed the presence of the " XXXX WARRANTY for SERVICE CONTRACT '' on my loan contract but did not offer a clear explanation for its inclusion. When I expressed my desire to cancel, the supervisor assured me that it was indeed possible to cancel the warranty and receive a refund that would result in the being applied to the loan 's principal, which currently stands at {$12000.00} ( See attach XXXX  ). 

The supervisor at Westlake Financial told me that to proceed with canceling the warranty I would have to call XXXX. XXXX as indeed I did it XX/XX/XXXX, she told me they can not do it. So then, I contacted XXXX XXXX ( XXXX XXXX  ) on Monday, XX/XX/XXXX. However, my attempts to reach a representative were largely unsuccessful, and when I did manage to speak with someone, I was informed that the warranty contract had expired on XX/XX/XXXX. This contradicts the information provided by Westlake Financial, and the representative refused to transfer my call to a supervisor, citing the absence of a binding contract between us.

Company response to consumer: Closed with explanation