vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Bank without our authorization changed our beneficiary on both our savings and checking accounts. 

On XX/XX/XXXX, we added our son, XXXX XXXX, as beneficiary to both of these accounts. USAA has confirmed they have this information. On XX/XX/XXXX, I was doing a review of our account information and noticed someone as a beneficiary that was not authorized by us. I called USAA and inquired as to why/how they illegally without our authorization changed the beneficiary on both of these accounts to someone who was not authorized. No one could explain how it was changed. It took over an hour on the phone to change the beneficiary back to the way it was supposed to be. I was told a supervisor would contact me to explain how/why this happened. 

I spoke to XXXX XXXX on XX/XX/XXXX. He indicated he was a supervisor. A case # was assigned XXXX. He said he had no idea how it was changed and said he would investigate the matter and call us back. He never called. 

On XX/XX/XXXX, I wrote the CEO, XXXX XXXX, of USAA explaining the situation and asking how someone could illegally change our beneficiary on both our checking and savings account without our authorization. I also cc 'd : XXXX XXXX, President USAA Federal Savings. Someone called from the CEO 's office and said we would be contacted. 

On XX/XX/XXXX, we received an e-mail from XXXX XXXX, Advocacy Advisor from USAA. Indicating she would contact us within two days to discuss. She never called or contacted us. 

On XX/XX/XXXX, I again wrote the CEO of USAA stating that no one had contacted us. On XX/XX/XXXX, at XXXX XXXX. someone called from USAA and left a garbled message inquiring that we call them back. I believe the name she left was XXXX ( but I am not sure ). She did indicate she was calling from the CEO 's office. The phone number she left was XXXX Ext. XXXX. I called back and left three messages. She never called me back. As of this date no one has contacted us to explain to us how this transpired. 

I want to know how a financial institution was able to illegally and without our authorization change our beneficiary for both our checking and savings account. Although, I was eventually able to change the information back to our son. I am concerned as to why this happened and even more concerned as to .... will happen again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent several letters to Experian regarding information they are reporting regarding the accounts found below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Since XX/XX/2020, I have sent them letters asking them to verify these debts due to the fact that I have asked for " Validation '' from these alleged XXXXollectors that I have and they have not " Validated '' these debts!. Per the Fair Collections Practices Act, if a collection account can not be " Validated '' within the time frame allowed by law. ( 30 days ) the credit bureau in this case Equifax " MUST DELETE THE ACCOUNT ''. XXXX has failed to " Verify ''! XXXX has failed to " RESPOND TO MY LETTERS ''. For that reason due to the fact that they are in incomplete violation of the law, " THEY MUST DELETE THE ABOVE MENTIONED ACCOUNTS IMMEDIATELY '' That is all that I am asking for that they observe and respect the law. 




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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 2020-11-01 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
The following companies listed below refuses to remove these inquiries from my credit report and they have the same address as well : XXXX XXXX XXXX XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I've been contacted multiple times by email in connection with a debt that I don't owe from a company I don't recognize. The debt is also listed on my XXXX credit report. The companies name is XXXX XXXX XXXX. They have sent me emails asking for payment in the amount {$1000.00} on XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020.I 've never heard of the company before and the same debt is listed on my XXXX credit report as being owed to LVNV Funding, LLC. I've never done business with either company and believe this is fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I have proof that Bridgecrest, affiliates of XXXX, has violated my and my husbands Fair Credit Reporting Act ( FCRA ) rights. Bridgecrest provided you and the credit bureaus with false statements and representations regarding my husbands total loss vehicle accident, which was fully covered by Gap Insurance. In short, Bridgecrest initially threatened via phone me right after my husbands accident on XX/XX/XXXX. Bridgecrest stated, as my husband was in a XXXX, that we were about {$7000.00} late on the truck payments and that I still owe them for the month of XX/XX/XXXX. This was still the case after I provided Bridgecrest with XXXX XXXX total loss certificate and all other required documents that were needed to proceed with closing out this insurance. XXXX also paid Bridgecrest in full, yet Bridgecrest still requested the $ 7,000+ for payments that were never late. After another call and dealings with the credit bureau, I did get the matter closed. However, over the phone, Bridgecrest insisted still that payments were late and fraudulently placed them with the credit bureaus. Over the phone, Bridgecrest said that if we pay them the {$7000.00}, they will omit the credit reports.

Attached are the payments that Bridgecrest stated were late for XXXX of XXXX. I was unable to procure all four statements for the months they claim that we were late. However, I have XXXX of XXXX attached, one of the dates. My spouse made a deal with Bridgecrest to pay 2x a month, and he had fatefully done so on time. 

CFPB, please take note of the attached statements. There are no late payments from XXXX of XXXX or any other remnants of the alleged late payments. In fact, to pay off the vehicle earlier, my husband paid more and, in some cases, early. 

Im proving a pattern of poor, illegal, and immoral business practices regarding Bridgecrests total loss handlings. I may not have all four months of the alleged missed payments, but the months I do have, show a solid payment schedule and plan. My husband never missed a payment ; he truly loved his vehicle. Due to greed, Bridgecrest is still claiming that the following were missed payments, XXXX, XXXX, XXXX, of XXXX, andXX/XX/XXXX. of XXXX XXXX has proven to be paid attached. Again, I have proven a pattern of poor, illegal, and immoral business practices and a violation of my and my spouses legal rights. 

CFPB, please assist. 

Thank you for your time. 

XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX BRIDGECREST $ XXXX XX/XX/XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX BRIDGECREST, $ XXXX Enclosures : Bank Statements for XXXX XXXX Thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: U.S. BANCORP
State: CA

Complaint narrative:
The following companies listed below refuses to remove these inquiries from my credit report and they have the same address as well : XXXX XXXX XXXX XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.

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 2020-11-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The following companies listed below refuses to remove these inquiries from my credit report and they have the same address as well : XXXX XXXX XXXX XXXX  I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.

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 2020-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I have an auto loan with First Bank of Puerto Rico, they referred the account to XXXX XXXX XXXX because although loan has been paid off, there is remaining balance due to late fee and interest charges. They contacted me yesterday requesting the balance due of approximately {$1000.00}, I offered to pay {$600.00} and the remaining balance nect month but they declined. Instead they said they were outside my property to reposess my car. I explained that my mother had passed away on XX/XX/XXXX and I incurred in costs but they just answered they did not care and I needed to pay the whole balance or allow them to reposess my car. The used abusive and threatening language.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent several letters to XXXX regarding information they are reporting regarding the accounts found below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Since XX/XX/2020, I have sent them letters asking them to verify these debts due to the fact that I have asked for " Validation '' from these alleged collectors that I have and they have not " Validated '' these debts!. Per the Fair Collections Practices Act, if a collection account can not be " Validated '' within the time frame allowed by law. ( 30 days ) the credit bureau in this case XXXX " MUST DELETE THE ACCOUNT ''. XXXX has failed to " Verify ''! XXXX has failed to " RESPOND TO MY LETTERS ''. For that reason due to the fact that they are in incomplete violation of the law, " THEY MUST DELETE THE ABOVE MENTIONED ACCOUNTS IMMEDIATELY '' That is all that I am asking for that they observe and respect the law.

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 2020-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am grievance with Paypal, the California-based money transfer company. 

They seized my money - and I took the legal route by going to the XXXX XXXX XXXX to settle that dispute. 
But I discovered the disaster that Paypal claims in the user agreement between us - that it stipulates that any dispute be resolved through arbitration. It did not specify a specific arbitration center to be resorted to. Therefore, the arbitration center can not start looking into the dispute unless Paypal agreed to be the arbitration center. 
I wrote to the legal department with them repeatedly, but he did not even reply to my letters, so that he missed the opportunity to resort to the arbitration center. 
According to the photos sent, the executive section of Paypal asks me to write to the legal department, but the legal department for more than a month has not answered. 
Paypal didn't just take over my money. 
Rather, Paypal is committing a bigger crime, which is that it puts in place a usage agreement that prevents clients from gaining access to legal action against it. 

You should review Paypal 's usage agreement and oblige it to specify a specific arbitration center to which clients can resort to when there is a dispute with it, not that it depends on her approval, and of course it will not answer anyone. 

I want PayPal 's legal department to write to the XXXX XXXX XXXX to agree to arbitration between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I was admitted to XXXX XXXX XXXX XXXX in XXXX MO on XXXX. 
I was billed both by XXXX XXXX in XXXX MO for their services, and by " XXXX XXXX XXXX of XXXX XXXX ''. While XXXX XXXX in XXXX MO sent me bills to my address and I paid as agreed, I did not receive any bills from " XXXX XXXX XXXX of XXXX XXXX '' because they were sending me bills to a wrong address which I have nothing to do with ( I was in XXXX  XXXX  and was released from XXXX XXXX and gave XXXX  all info they asked me for ). I was not aware of their bills, and I was not informed by XXXX XXXX of any money that I owe to " XXXX XXXX XXXX of XXXX XXXX ''. 
On XXXX " Wakefield and Associates '', XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX reported me to XXXX  XXXX XXXX XXXX for late payments with remarks " Remarks : >PLACED FOR COLLECTION< '' " Original Creditor : XXXX XXXX XXXX '' I did not receive any communication neither from " Wakefield and Associates '', nor from " XXXX XXXX XXXX of XXXX XXXX '' about any money owed to wither of them, and they reported me to a collection agency for non-payment. How was I supposed to pay any money they claim if they don't send me a bill? And then they report me for non-payment. 
This act of reporting me to a credit reporting agency XXXX  hurts me as a customer, and is not based on legitimate billing process. 
Here I request from Consumer Financial Protection Bureau 1. To investigate this case, financially punish the above mentioned actors " Wakefield and Associates '' and " XXXX XXXX XXXX of XXXX XXXX '' for financially harming and punishing an US citizen for things that US Citizen did not have any fault, where there was no due process of billing and informing of charges, so that they do NOT do this dirty strategy in the future and hurt other US Citizens 2. I request that the financially hurting statement of not paying my bill on time is removed from my credit report due to the fact that they did not inform me about any money owed before or on the date they reported me to XXXX  XXXX XXXX XXXX. 

Additional information : I received a few phone calls from " Wakefield and Associates '', I asked them to send me the bill so that I can review their claim and pay if I find that it is legitimate bill for legitimate service. 
Finally on XXXX they sent me the first bill to my real address. After I reviewed it I paid the bill in full. But the fact is that " Wakefield and Associated '' reported me three months before they ever sent me any bill to my address, and this CONSUMER ABUSE should not be allowed in a civilized state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
I was approved for an Apple store card on XXXX at XXXXXXXX XXXX MST, the very next morning I received a promotional email stating new Apple Card users that spend {$75.00} at XXXX stores on their new Apple Card before XXXX within 30 days of opening their Apple Card would receive {$75.00} cash back. In their fine print that i discovered it says only on new accounts opened on XXXX thru XXXX which is very misleading as the email offer states only that it must be purchased before XXXX and within 30 days of opening the account, which my account wouldve qualified for. Its false advertising and the fact that they sent me a promotion to my email for which I was already approved for the account the very next day, a promotion that I wasnt eligible for, is a total bait and switch and if people approved the day before like myself hadnt sought out the fine print, they wouldve made an unnecessary {$75.00} purchase to take advantage of the promotion only to discover they wouldnt receive the {$75.00} cash back. The promotion and the fine print are contradictory and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX I got a notice from XXXX that Penn Credit had reported a negative account to my Credit Report. Today XX/XX/XXXX I get a notice that they updated the negative reflecting it is negative as of XX/XX/XXXX but was opened in XXXX. I have never received any written notice from this company of any debt prior to the collection being placed on my credit and have no knowledge of owing them or XXXX XXXX as I have not lived in XXXX Florida in years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2020 I received a Reliacard debit card from US Bank that I did not request. I tried contacting US Bank to cancel the card, but was placed on hold and was unable to speak to a live representative.

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 2020-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed an account with all three bureaus. I have attached the initial letters and also the follow up letters for all three bureaus with this one account. In the letters, you will find the dates, amounts, and inconsistencies on the account and across all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
COMENITY BANK/NWYRK & CO - Has violated my federally protected consumer rights under 15 USC 1692. They have sent several statements, didn't know I could dispute a debt, never said they was attempting to collect a debt. Used abusive and profane language. See attached documents.

Company response to consumer: Closed with non-monetary relief