vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Comerica
State: NY

Complaint narrative:
Ive called the retailer which is XXXX about four order numbers, five items, altogether purchase separately, but shipped and delivered on the same day they were delivered to the wrong address. The delivery photo that the driver takes obviously shows that it was not my building or you in my neighborhood from the background in the building that it was made against And I was standing out but regardless I called the credit card company after XXXX denied the refund they were no help. I asked them every question I was supposed to sit on hold for an hour and a half at least the phone disconnected after they told me theyre gon na transfer me to the person that could help I called again. They said they could not help me. This was last night Which was Saturday, XX/XX/2023 Ive been dealing with XXXX since XX/XX/2023 Ive spoken to 33 representatives These are the four order numbers of the five products that never got delivered to my residence and I was not reimbursed for the dates were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX was is the actual delivery day XXXX XXXX XXXX XXXX XXXX Order date : XX/XX/2023 Order # XXXX Order total {$18.00} ( 2 items ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ... {$9.00} Qty : 1 Sold By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ... {$8.00} Qty : 1 Sold By : XXXX XXXX Order date XX/XX/2023 Order # XXXX Order total {$36.00} ( 2 items XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  {$5.00} Qty : 1 Sold By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$29.00} Qty : 1 Sold By : XXXX XXXX XXXX - Order date XX/XX/2023 Order # XXXX Order total {$12.00} ( 1 item ) XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX ... {$12.00} Qty : 1 Sold By : XXXX {$67.00} total No actions were taken by the company though they admitted they did deliver it to the wrong address The delivery proof photos of the driver took theyre not of my resident I live in a brick building. Theres no white vinyl shining or flower pot gardens anywhere in my neighborhood and park. Benches are outlawed. This is not my neighborhood or my building or my residence is and disputable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Woke up at XXXX on XX/XX/2023 receiving emails about a credit card being opened and approved in my name. This was false as I did not open a credit card. The individual was attempting to make changes with the contact info and whatnot. I am on the line with Fraud Support, but chase made it very difficult to speak to someone as you need the account information to speak to them and I did not have it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I signed up for Raymour and Flanagan 's Financing ; however, TD Bank has not sent me a single statement or letter about my new account. I am not able to register for a new online account. I don't know how to check my balance because I have neither a paper statement nor an online account. 
The welcome email from Raymour and Flanagan does not give me any information about my new account, such as account number and account balance. The link on the website does not go to a page where I can check my account details. 
The website for password reset does not recognize my social security number and birthdate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX I was charged hundreds of dollars in overdraft fees, and I was a XXXX year old that didnt know to close the account. They kept tacking in overdraft fees until my account was {$500.00} negative and closed my account. It was shady, and I never used them and have told everyone I know not to bank with them. I switched to a credit union and theyre great.

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: IN

Complaint narrative:
Per 15 USC 1681 I have a right to my consumers report one time per year and I have made several attempts through the website and by calling this company to obtain my consumer report. Every time I call I am told that they are unable complete my request and to mail my request. 
Per the consumer financial protection Bureau I am allowed one free credit report a year and if I have to go and buy a stamp and envelope that no longer makes it free and I am on a fixed income. I should not have to obtain these items to get my credit report consumer report which I am lawfully entitled to. 
By hindering me to these documents this company is making it difficult for me to verify my information while I'm trying to repair my credit and buy a home so it is viable that this information is available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SoLo Funds Inc.
State: PA

Complaint narrative:
This debt is not mine and please stop sending me e-mails, automated calls and texts!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened my account in 2010 and was offered a XXXX after several purchases and several payments made I began to notice discrepancies. I contacted Wells Fargo and requested an audit of my account as well as billing statements and a record of all payments. Wells Fargo failed to provide the information requested and continued to add charges without my consent or knowledge. I made several attempts to resolve this problem with all levels of management at the branch level to the corporate level with no resolve.

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 2023-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CARD Corporation
State: NY

Complaint narrative:
On XX/XX/2023 morning I received an email from Card.com premium banking saying my account is approved and now is open and the card will be shipped soon. Following this email, I received another email saying my password is set. I have not opened this bank account and somebody has done this fraudulent activity. All my attempts to contact the bank has been failed ; ( they dont respond to the email, phone calls go to automated operators and dont connect to any representative or agent. The bank is completely unresponsive and irresponsible of consumers. It seems like this bank is an online bank only located in California which is opening accounts for customers without any security verifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Remove the following name codes and address codes from Experian data bases regarding XXXX XXXX The following codes are to be deleted and report updated immediately Name Codes -instruction is to delete the following XXXX XXXX XXXX XXXX XXXX XXXX Address codes/ ID -instruction is to delete the following XXXX XXXX XXXX XXXX CT 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 2023-09-03 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
My Credit profile has been breached by some unknown entity, I discovered that some inquiries that I did not know about were placed on my credit report, I am requesting the following inquiries to be removed from my credit report because i do not know anything about it and this violated my consumer rights. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX ( BANK ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX  XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

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 2023-09-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
In XXXX of XXXX I began receiving phone calls from a debt collection agency regarding a debt that they claim I owe. I explained to this company I have no idea of what they were talking about and I ended the call. They called 4 more times that day. That last call I was told by XXXX XXXX that they will make my life miserable by sending it to the credit bureaus and that it will be a negative mark on my report. They continued to call several days after that, I did not answer. I then began receiving letters in the mail regarding this debt for XXXX. On XX/XX/XXXX I sent them a letter requesting a validation letter.They then respond with the same exact letter with no changes nd again not a validation letter. XX/XX/XXXX I again send the collection agency a letter still asking for validation of this debt. Unfortunately the company sends me a letter wanting to settle the debt for half of the amount and still no validation letter. I send 3 more letters after that and and nothing. The last letter I send I then let them know that I am quite aware that if they do not respond with the validation letter they would need to take it down. Again another letter now telling me they will hold off until I receive my taxes. In between the times I am disputing this with XXXX who keeps telling me its a valid debt but we cant tell me how they verified it to know that its a valid debt. I have now disputed it with them 4x. This is a copy of the letter I've sent this company. 

National Credit System , Inc CrediXXXX file XX/XX/XXXX To XXXX XXXX XXXX. I am XXXX XXXX and I am writing this letter to request more information regarding this debt. 

( 1 ) I need a copy of the original contract with my signature for the debt. 

( 2 ) I need a full payment history from the original creditor as well as the name and address from the original creditor. 

( 3 ) I need proof that you now own or have been assigned the debt to collect from the creditor. 

( 4 ) I need a copy of the original debt meaning the amount when you purchased the debt. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We were charged fees for not maintaining a " daily minimum '' balance which never was part of our original agreement, they informed us that they no longer are supporting the type of account we were under and switched us over to another type of account of their choice without our permission and started charging us {$15.00} a month if at any time during the month the balance fell below a certain amount. Originally we never agreed to any such thing. We went in person to ask about it and the banker claims he switched our account over to another type of account that would lower the minimum balance to a reasonable amount but would not return any fees already accounted for. we agreed to the new account, yet the fees are still being charged on our accounts every month even though we are well above the minimum balance!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Up until today ( XX/XX/2023 ), I was on the new SAVE income repayment plan with a monthly payment of {$0.00} on the MOHELA site. I received an e-mail about payments restarting this morning ( XX/XX/2023 ), and checked my MOHELA account and it shows I've been removed from the SAVE plan and placed on a 'Level ' plan with a payment of {$920.00}. 

My NSLDS data shows I was on the REVISED PAY AS YOU EARN PLAN, which became the SAVE plan. Why was I removed from the SAVE plan?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Twice, last month - NFCU employees went out of their way to racially profile customers, then deny them ( me ) service. On XX/XX/XXXX, their employees simply refused to open their bank doors at XXXX. 3x, a manager came to the door to tell us they werent opening, because they were scared of the XXXX women & other customers yelling about waiting, outside. We had to call the police to force bank employees to open the door. A different manager later lied and said that the police had told them to lock the doors. That wasnt true - when police arrived- they had no idea why bank employees refused to open up. I made a point of also speaking with the person who locked us out, she likewise lied and denied locking the doors in our faces, except we filmed it. There was no excuse for such random, rude behavior, at all. 
Then - XX/XX/XXXX, I went in person to the XXXX Branch where the receptionist/manager demanded my ID, accessed my accounts, asked me why I was there, tried to dissuade me from accessing the service of speaking with a loan officer, and instead directed me to a man I suspect was security, because he couldnt or wouldnt intelligently answer one, single question of mine. He mumbled something about how he didnt know what I was talking about, and I needed to make an appointment to come back at a later date to speak to someone else. I told him that I had taken 2 buses to get there, and wanted to speak to someone that day. He refused to route me to a more appropriate person, provide rates, or even offer a brochure to explain mortgage types and other, pertinent information. His attitude and behavior were evasive and atrocious. In frustration, I asked if I could apply online- which he confirmed. Unfortunately, after applying at home- my application was rejected and denied for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I just reviewed my copy of my transunion credit report i see an inquiry that's on the report that i didn't authorize XX/XX/2023 consumer portfolio. received a copy of my credit and i don't have any transaction with them. they are in violation with the fcra

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My Credit profile has been breached by some unknown entity, I discovered that some inquiries that I did not know about were placed on my credit report, I am requesting the following inquiries to be removed from my credit report because i do not know anything about it and this violated my consumer rights. 

XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX ( BANK ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

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 2023-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from a Dealer named XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. This was an online transaction. The dealer provided me with pictures and sent me documents to sign online including a retail installement contract and other documents such as GAP ( which he insisted that hed sell me the car only with GAP ) and agreed to pick up the car the following day. 

The following day, Tuesday the XXXX of XX/XX/XXXX I contacted the dealer to make arrangements to pick up the car. He said the car was still being reconditioned and not at the lot yet and to give them a couple of days. After multiple attempts to take possession of the car and physical visits to the dealers offices. I was not able to obtain the keys. The excuse was constantly changing ( needed additional repairs, the car was not in the state of georgia and needed to be transported, the car battery died because it sat too long on the lot, it was get detailed, etc. ). By the end of XXXX the dealership stopped responding to my messages. By XX/XX/XXXX I sent a message to a representative of the dealer to let him know I was not longer interested in taking posession of the vehicle. 

I contacted Westlake Financial ( the current holder of my loan ) and repeatedly explained that I never took possession of the vehicle. I got shuffled around and received answers such as that seems like its a problem for you and dealership to you bought the car you pay the loan to you should talk to our dealership compliance department. I have been making multiple attempts to reach someone who is willing to help and Westlake just simply wants to collect rather than deal with the fraudulent dealer. 

XXXX XXXX never delivered the car and Westlake should know that without delivering the car the contract is not executed and they should vacate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Netspend Corporation
State: OH

Complaint narrative:
I XXXX XXXX was notified at XXXX XX/XX/2023 of an Account to Account transfer from : XXXX XXXX to : XXXX XXXX for {$780.00} of which I XXXX did NOT approve! 

Claim # : XXXX Reference # : 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 2023-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
On XX/XX/2022, my Checking account with Wells Fargo was incompetent, as I was experiencing fraud. They had stolen more than {$2000.00} out of my checking account through Wells Fargo. Wells Fargo did not even alert me of this big purchase, I had found out myself by checking my bank account at a random time. It was devastating cause they had did it twice, stolen {$2000.00} out of my account twice, and I wasnt alerted both times. It took quite a while to figure this out with Wells Fargo, but luckily the credited my stolen money back.

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 2023-09-03 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Trans Union failed to provide an opt-out notice, as is required by all financial institutions, in which I, the consumer, have the option to opt-out of having my information shared with unaffiliated third-parties. 

On XX/XX/23, Trans Union received my Notice along with the required personal identification information per 15 USC 1681c-2, requesting that Trans Union remove five ( 5 ) adverse transactions from my consumer credit report. Trans Union failed to comply with the statute and with my requests. 

Trans Union unlawfully used my personal and financial information which included the sharing of information to unaffiliated third-parties that adversely affected my creditworthiness and resulted in defamation of my character and general reputation. 

Despite three ( 3 ) written notices sent via certified mail, Trans Union continues to report damaging unauthorized personal and financial information on my consumer credit report. 

Further, Trans Union is corresponding with me via postcard regarding this private matter, a direct breach of my right to privacy.

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 2023-09-03 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I XXXX XXXX have noticed fraudulent accounts and unauthorized inquiries appearing on my credit report. I have uploaded a ftc report and personal identification below.

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