vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo Bank unauthorized inquiry not authorized by me.

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 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
After having been charged for services for which I enrolled in with an online legal form provider, and the site not properly functioning, I disenrolled services but was still charged for membership fees for multiple months. After contacting the company, they issued an email and stated services were canceled and that a refund had been issued. I however have not received any refund. After several months of attempting to resolve the issue, I was forced to dispute the transactions with USAA and submitted to the XXXX the email received and the full contact information for the company of the dispute. USAA denied my dispute, while having been fully provided all requested documentation, and thus charged me over {$500.00} in NSF fees as a result of those transactions. This institution has become awful to contact, rude, and will do anything possible to cause more financial burden on their members. They have scammed me out of insurance premium paid, and they canceled the policy, while refusing to provide a refund of premium, dividends, and did not respond to my claims for storm damage and theft that occurred while the property was under coverage of the policy. They have also prevented me from obtaining further coverage, but accepted payment for policy for the year and canceling the insurance without notice. They should be ashamed. Since changing administration, they have taken advantage of military XXXX, veterans, and their families by all means available to them. It is my wish that this institution be required to provide full refunds to its members, and be forced to cease operation as they have continued to violate federally mandated procedures and having been access fines previously for the violations. I have attempted to resolve the matter through arbitration as stated to do so under the account holder terms and conditions, but the institution responded that I would be required to change venues to a court instead. Any attempt to do so has been responded with inconsistent information being provided by USAA and I will be forced to initiate a claim through Texas courts while being a resident of XXXX which will cause major financial burden. It is my belief that USAA is abusing this power to avoid accountability for their actions. Please HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: WY

Complaint narrative:
I received a vanilla gift card for {$200.00} it never left the package when I opened it and tried to use it there was no more money. I found someone immediately used it online at XXXX 's XXXX for two charges. I contacted the company they told me to file a dispute which I did now they are ignoring me. I also found out this is a big issue with this company where the money is disappearing. It is if their system is the cause. I think this company needs to be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 states : A consumer reporting agency can not furnish an account or account information without my consent

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 2022-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC
State: ID

Complaint narrative:
When contacted, they refused to take negative mark off debt even though it has been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have been trying to make a payment for my Sony XXXX XXXXard issued by Comenity Bank for the last week. The website is down and the customer service phone number are not responding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IN

Complaint narrative:
Sometime in XXXX XXXX XXXX XXXX 2022 my mortgage was transferred without my knowledge from XXXX XXXX XXXX XXXX XXXX California to Fay Servicing in Chicago. I then recieved a letter from Fay Servicing dated XX/XX/2022 which contained my XX/XX/2022 mortgage check for {$1000.00}, which was of course made out to XXXX XXXXXXXX XXXX, since I was never notified about the transfer. 
So I immediately sent Fay Servicing a new check for my XX/XX/2022 mortgage made out to Fay Servicing plus an additional check for my XX/XX/2022 mortgage payment, both of which they have declined to credit to me or even acknowledge in any way. I did ask them when I sent the payments to please send me a Fay Servicing account number and have not heard from them at all, one month later. 
Am elderly and this is causing me terrible stress to the point that it is making me physically ill. 
Would so much appreciate any help you can provide me with this. I know it is illegal for them to reject my mortgage payments and now I am getting ready to send them the check for XXXX 's payment. Not sure what to do at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
The comenity website has been down for a week and they wont answer their phone to make a payment. My payment was due today and I couldnt make it on time because of their system being down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I got a text saying : From : Radius Global Solutions LLC, a debt collector Re : XXXX Log in : XXXX Call us : XXXX Your Rights : XXXX Txt STOP to End texts I replied : Stop Got this : You replied with the word 'stop ' which blocks all texts sent from this number. 

Then I got a text again today XX/XX/XXXX after saying stop. 
From : Radius Global Solutions LLC, a debt collector Re : XXXX Log in : XXXX Call us : XXXX Your Rights : XXXX Txt STOP to End texts

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 2022-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Victoria secrets  uses commenty bank and for the past week they have had a " system update '' and they won't respond via phone service to pay the bills and therefore making me have late fees which lowers credit. When reaching out they don't provide any answers of whats going on, I can't access any of my card information as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my ri

ghts. 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

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 2022-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Peterson Enterprises, Inc.
State: WA

Complaint narrative:
I was charged a {$180.00} copay for an XXXX visit back in XXXX of XXXX. I received a bill from the hospital billing department. I did attempt to contact the department to resolve the issue and provide them with my insurance card number, in which the representative stated they did not have on file. I was under the impression this issue have been resolved as I did not receive any further bills from the hospital. The hospital reported my debt to the collection agency XXXX of XXXX. I was served court documents from the collection agency XX/XX/XXXX. I was never given any notification that I still owed this debt. Court papers was just filed on me without no opportunity to settle this debt. I did contact the party whom has filed a lawsuit against me. I was told they had only attempted to contact me once via regular mail, NOT certified mail. However, I never did receive there notification. The lawsuit has been filed by : Peterson Enterprises , Inc. A XXXX XXXX XXXX Valley Empire Collection XXXX Mind you, at the time of the billing for this debt was during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
The comenityXXXX  site ( to access my BJs Perks Mastercard ) has been down for about a week. The message on the page says : Important notice : due to a scheduled system update, our website can only accept same-day payments at this time. We appreciate your patience and apologize for any inconvenience. 

There is no additional information, most notably no expected return date. There was also no advanced warning or notice, and customer service is unable to provide any information. Im quite concerned that there is something beyond a simple scheduled system update perhaps a crash, or worse, a data breach or hack. 

Any competent business performing a scheduled system update would provide an outage window and advance warning. Consumers deserve better.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I believe Navy Federal Credit Union ( NFCU ) is discriminating against me based upon my age ( XXXX ) and / or is guilty of false advertising- specifically advertising a lower rate when they have no intention of honoring that rate ( bait and switch ). I have called XXXX times about this and XXXX  was told that they would call me back, which they did not and the third time was told there was no assistance they could provide. 

NFCU has a published lowest new car loan rate for XXXX month loans of 2.79 %. My wife and I applied for a loan for approximately {$37000.00} in midXXXX and were given 3.19 %. I enquired as to what was driving this rate and, citing proprietary risk models, NFCU would not tell me despite repeated requests. While I understand completely the need to protect proprietary risk models, I am at a loss as to why we would be denied the lowest rate. 

For reference, here is our approximate loan information : XXXX ) Credit scores : we both have excellent credit scores. 
- my NFCU published credit score was XXXX at the time of the application- my wife 's credit score was anywhere from XXXX - over XXXX at the time of the application, depending upon the source XXXX ) Yearly income : we have a combined yearly income of approximately {$280000.00}. That comes out to approximately $ XXXX XXXX ) Liabilities : the only major liabilities we have are : - mortgage/insurance/taxes - approximately $ XXXX - home equity loan - approximately $ XXXX Given the above, I can not fathom why we do not qualify for the lowest published rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/2022 I deposited a check for {$130000.00} into my Chase Bank checking account. This was physically done at the bank location at XXXX XXXX XXXX XXXX, XXXX, CT. Somehow Chase posted this transaction as a debit rather than a credit and I woke up to my checking account being overdrawn by {$130000.00}. It took multiple phone calls, hours on hold, and much frustration before they finally corrected this. Meanwhile my account had been frozen, and items ( such as my utility payments ) were returned unpaid. I then had to pay service fees for each. Chase reimbursed me for the first one ( and I quote ... '' as a courtesy '' ) but refuses to pay the other 2 ( one for {$20.00} and one for {$15.00} ). These fees represent damages that I incurred due to the banks erroneous handling of this transaction. This was absolutely in no way my fault. While Chase is not able to reduce the XXXX, XXXX  and XXXX  that they caused me, nor the hours of my time that they wasted, they should at least be accountable for the monetary damages that resulted from this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I received a debit card from Discover bank. I have never applied for or had any type of account with Discover. When I told them I did not open any accounts they said that someone had my full name, address, email address, date of birth and social security number and opened one checking account and three money market accounts on XX/XX/XXXX. The person at Discover said she was reporting this to the Fraud Department and the accounts will be locked. Today I received welcoming letters from Discover dated XX/XX/XXXX and the request to change the email address on the accounts from my current email address to a gmail account unknown to me. The fraudster changed my email address to : XXXX. In XXXX someone opened three XXXX accounts XXXX XXXXXXXX XXXX and I had to go through a similar process. I am very concerned now that this has happened for a second time and Discover told me that someone has my social security number and date of birth as well as address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am entitled to a credit card dispute charge back due to the fact that the contractor XXXX XXXX produced defective goods and services, caused XXXX rejections of our case at the US Supreme Court, and finally when they got it right was too late and caused us to miss the filing deadline, thus dooming us to the lower courts for litigation, not the US Supreme Court in time. Please investigate and advise.

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 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/XXXX XXXX an email that we signed up for wire transfer two transfers 1st {$170.00} + {$30.00} fee and 2nd {$17000.00} + {$30.00} fee. I called Wells Fargo immediately after that. Reported the fraud closed the account and opened a new one and got a claim number ( XXXX ). Transferred {$20000.00} into the new account. The money from the wire had not come out yet. 
XX/XX/XXXX The two wire transfers came out of the new account totaling {$17000.00} XX/XX/XXXX Called to follow up and got a new claim number ( XXXX ). 
Nobody could explain why I got a second claim number and why the wire came out of the new account 3 days later XX/XX/XXXX Claim got denied, they said my log on information was used. I asked for proof showing the login and they said the code was sent to my phone to authorize the transaction. There was never a code sent to my phone, there should have been 3 codes one for the wire set up and one for each wire transfer. I asked for them to send me the time stamp and codes that were " sent '' to my phone, so I can verify with XXXX XXXX XXXX. I never received the information. 
XX/XX/XXXX Called to follow up and asked how the wire transfers came out of the new account when the money was still in the old account to transfer. I got transferred to 6 different people without an answer or resolution. Asked again for the time stamp and security code information, still haven't received it. 
XX/XX/XXXX Filed a police report XXXX XX/XX/XXXX got declined again from the executive case specialist I have bank statements showing the money being transferred to the new account on 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 2022-06-27 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: NY

Complaint narrative:
XXXX XXXX Bank unauthorized inquiry not authorized by me.

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 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH mortgage is not helping me, I have tried working things out with them but they are very difficult to deal with, I fear I will lose my house to them. Please Help!!!! 

I was given a loan modification during pandemic, since I had lost my job due to COVID, I couldn't pay my mortgage trial payment and this turned out to be a disaster ever since, I later got to know that PHH was giving out trial payment extensions but they never called me to give me the trial payment extension. 

Now I have been trying to get a loan modification again through them but they say that my property value has increased and they can't give me another loan modification, I request you to please help me, I am ok with the same terms that were approved last time, Now my business is doing well and I will be able to make regular mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical & Professional Collection Services, Inc. NC.
State: KY

Complaint narrative:
I was taken to court by XXXX XXXX for non payment of rent and eviction. And the amount that is said I havent paid is a lie. Its nowhere close to it. I didnt pay one month of rent. I even showed the judge proof that I paid the rent I was lied on. So this is false information reported on me & ruining my credit report. This landlord has had so many complaints on her about the same issue and other things. This happened in XXXX. I have a debt collection of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My personal email account was hacked on XXXX, 2022. I received a notification that my tax return was accessed on XXXX XXXX the same date. I was aware my email account was hacked because I received over two dozen emails from various companies thanking me for my inquiry addressed to a weird name. At this point I changed the password on my email address. 

On XX/XX/XXXX, I received a notification through my XXXX app that someone submitted a credit card application for a Synchrony/Amazon credit card. I called XXXX and Synchrony on XX/XX/XXXX to dispute the application on the basis of identity theft. I also received notifications this person ordered an XXXX on my Amazon account with a delivery address of XXXX, AR. I was able to cancel this order. I received another notification that XXXX cancelled an order on the basis of fraud with the same delivery address of XXXX, AR. I'm receiving more emails from various companies thanking me for my inquiry addressed to a weird name still. 

Later on XX/XX/XXXX, I received another notification from XXXX that someone submitted another credit card applications to Synchrony/Sam 's Club . I called XXXX and Synchrony to dispute the application on the basis of identity theft.

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