vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I had a auto loan with Bridgecrest credit from XXXX XXXX Tx that I had started on XX/XX/XXXX for a XXXX XXXX XXXX. I had faithfully paid on time and never missed a payment on that loan and even for a short time after paid it until I was involved in a high speed accident with the car on XX/XX/XXXX a young gentleman ran a red light speeding and side impacted the vehicle. Once it was deemed a total loss I was told by my insurance company XXXX XXXX  the car was no longer repairable and I had signed over a power of attorney for the ownership and loan of that vehicle to be paid in its entirety by XXXX XXXX XXXX and I also had purchased GAP insurance thru XXXX XXXX for the vehicle. I was no longer responsible for the vehicle or its loan and I had notified Bridgecrest of the situation in which they still held me liable for. My insurance company XXXX XXXX and XXXX XXXX both stalled on payments for the vehicle and incurred a 30 and 60 day late payment filed directly onto my credit report. I once again asked bridgecrest to please help me with this situation as I no longer owned that vehicle. They refused to help and insisted I still pay for a vehicle I legally no longer owned even though they knew my insurance companies were in the process of payments in full to the Bridgecrest institution. I had done everything legally by the number and was still punished and as of XX/XX/XXXX my credit report on all 3 credit bureaus is still showing a XXXX Dollar amount owned with both a 30 and 60 day late payment report. This has ruined my chances of obtaining another car loan or any loan for many years to come. Bridgecrest is a creditor I highly recommend staying away as far as possible from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report ( # XXXX ) and saw incorrect addresses i never lived at. I tried disputing the address but a message stated I can not process a dispute online. The addresses that do not belong to me are because I Never lived there are : 1 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX XXXX, FL XXXX. This Address was reported to Experian by XXXX XXXX and this account is currently under dispute for incorrect information and 2 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX, FL XXXX. 

There are also incorrect versions of my name that need to be deleted : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have attached my ID to verify the spelling of my first, middle and last name. My current address is XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX but I have not gotten my Drivers License updated as of yet.

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 2019-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: WV

Complaint narrative:
XXXX report response indicated it is not collection company but is listed on credit report as : Helvey and Associates ( for XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IN XXXX Call number XXXX If this is not a collection can this please be removed from credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have an account with TD auto withdraw to pay a mortgage to TD. For 8-10 months TD was calling me every 2 weeks to tell me I was delinquent but could never figure out why it was showing this way since the auto pays were religiously coming out. A couple months ago they did a withdrawal from the account with no notification which made the auto withdrawal bounce resulting in fees. Finally they after that we figured out the loan actually came due so they were suppose to send me paperwork to reactivate the loan ... this paper work has not been received to this date. On XX/XX/XXXX TD issued the auto pay to TD but now they put a deposit only status on the account blocking the check THEY issued to themselves which will bounce due to this restriction causing fees. This is a mess with them. One hand doesn't know what the other is doing. Reporting and disclosures are deficient at best. Obviously the money is in the account to cover the payment. They claim the restriction is to lock up any deposited funds to be applied to the mortgage which is where it is going anyway..the whole thing makes no sense. This needs to be addressed ASAP as I am sure TD is in violation of some kind of reporting under your rules and I am also sure that there are violations existing just by virtue of not properly sending notices, attaching accounts and causing erroneous fees to me as the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I never applied for it, i don't recognize this account.

I didn't sign any contracts or agreements with this company. I believe, that somebody used my personal information and open this 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 non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report ( # XXXX ) and saw incorrect addresses i never lived at. I tried disputing the address but a message stated I can not process a dispute online. The addresses that do not belong to me are because I Never lived there are : 1 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX XXXX, FL XXXX. This Address was reported to XXXX  by XXXX XXXX and this account is currently under dispute for incorrect information and 2 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX, FL XXXX. 

There are also incorrect versions of my name that need to be deleted : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have attached my ID to verify the spelling of my first, middle and last name. My current address is XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX but I have not gotten my Drivers License updated as of yet.

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 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report ( # XXXX ) and saw incorrect addresses i never lived at. I tried disputing the address but a message stated I can not process a dispute online. The addresses that do not belong to me are because I Never lived there are : 1 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX XXXX, FL XXXX. This Address was reported to XXXX  by XXXX XXXX and this account is currently under dispute for incorrect information and 2 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX, FL XXXX. 

There are also incorrect versions of my name that need to be deleted : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have attached my ID to verify the spelling of my first, middle and last name. My current address is XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX but I have not gotten my Drivers License updated as of yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I got aa call from the same number of my. Bank peoples United. I banked with them for the better part of 25 years the last 20 at the current branch down the street from my apartment. XXXX XXXX at XXXX, ct. On XX/XX/XXXX Friday. My first week on the XXXX Job I got a call from the banks number saying I had suspicious activity in Texas someone using my card. Then the caller said rip up the card and they will issue me a new one by fedex in two days. They proceeded to ask online verification questions. Next thing I know, when I go to my bank on Tuesday there was nothing in it. I had just started at this XXXX, CT XXXX XXXX XXXX  department. I was and still am still am a XXXX XXXX in XXXX, CT I do a lot of XXXX  work in the community CT. They took my savings transferred it into my checking and then withdrawals the checking and my credit line. I file a fraud claim that same day I found out XX/XX/XXXX. On XX/XX/XXXX the bank investigation was done and they said although the transaction was not authorized by me, they were not libel the authorization code was generated through my phone. This is outrageous. It was a scam. I did not authorized this wipeout I reported with in 5 days or Two or three business days. It should be covered under FDIC. They know I didnt make any these transaction from XX/XX/XXXX to XX/XX/XXXX. I closed the account immediately the same day I went to the bank. They say the computer servers where the transaction occurred was from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I checked my credit and saw a medical bill from MIDWEST RECOVERY SYSTEM for  XXXX XXXX XXXX totaling {$1600.00}. I did not receive any notification for any debt for medical services as an indigent individual. I was XXXX with no physical address to receive any forwarded mail. I also let the hospital know I was an indigent vagrant and did not have any insurance or money. This reporting is against my HIPAA rights and I did not sign any medical releases before my information was compromised and accessed by MIDWEST RECOVERY SYSTEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for the Citi/AAdvantage credit card in XXXX  and used the card number provided.  I received a paper bill/statement in the mail early to mid XXXX  and paid bill on time.  I received the actual credit card in the mail mid XXXX  which I activated online on XX/XX/XXXX.  At this point the Citibank online website activates your card but automatically toggles the paperless billing option.  I did not want paperless billing & toggled the paper billing option. After completing the online activation I received an email from Citi/AAdvantage that states "Welcome to Citi Online.  Now it is easy to take advantage of all the great benefits of Citi Online, like paperless billing management, alerts, online bill pay etc."  After reading this I was confident I had correctly selected the option to continue receiving paper bills. The next billing cycle comes and goes and I do not receive a paper bill but have received an email stating my payment is past due. Besides an email stating that my statement was available online I received no other emails or warnings until the past due email for which I had already been charged a $XXXX  fee.  I called the Citi bank number on the back of the card and informed them of the situation.  They insisted that I checked the paperless billing option.  I did not.  I spoke to customer service & after they could not rectify the situation asked to speak to a manager who was also unwilling to rectify the situation & waive the $XXXX late fee. This fee was deceptively charged in the first place do to their faulty toggle options on the billings option page of their online credit card activation process.  I fear this is happening to many thousands of consumers & Citi is collecting an exorbitant amount in late fees due to this deceptive process and they should be researched.

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 2019-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SLM CORPORATION
State: CA

Complaint narrative:
The debt account manager at Sallie Mae, name XXXX XXXX Number XXXX has contacted two of my relatives about my debt seeking to get in touch with me. She contacted my mother and father on XX/XX/19, at two separate numbers. I called her on XX/XX/19 to inform her that they are not on my account and since she has my phone number and address she should not be contacting them. She also lied and stated that they are listed as my contacts on my loan application when they are not. I let her know that I had enrolled in a debt assistance program and that they will be contacting her to pay my debt. She informed me that the company is not allowed to communicate with my debt collection account ( another lie ) and threatened that the attempts to reach me and collect my debt through any and all means would continue until I paid my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America recently notified me that my account may have been comprised and they issued me a replacement credit card with new numbers in order to prevent fraud. I contact them for more details. They explained that an unidentified merchant notified an unidentified law enforcement agency that customer credit card data was not properly secured and may have leaked or been breached. That law enforcement agency contacted Bank of America who then issued me a new card. 

Bank of America does not have the identify of the merchant. However they declined to give me the name of the Law Enforcement Agency which contact me. They also declined to provide a reason for why they declined to give me the name of the Law Enforcement agency. 

I wish to protect myself and understand my privacy exposure. If I knew the merchant who mishandled my data I may choose to no longer do business with them. Or I may decide to file a civil action against them. If I know the law enforcement agency that handled this then I can request this information from them. 

At the moment Bank of America is hiding behind internal policy to shield bad acting merchants from mishandling my data.

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 2019-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
PayPal security is blocking the use of my PayPal Credit/Synchrony account with vendor XXXX. 

PayPal Security was able to *assume* a security risk preventing use of PayPal Credit/Synchrony account. PayPal security was unable to explain any *risk* blocking the use of this account after conversing with three representatives in the past 24 hours. XXXX, PayPal Security Supervisor, was forced to acknowledge PayPal 's failure to serve my needs this morning on a recorded line. 

PayPal Credit/Synchrony has approved many successful transactions in the past month as there exists NO ISSUE WITH MY ACCOUNT OF ANY KIND. Meanwhile, PayPal can not explain its denial of my right to do business with XXXX. This is financial discrimination and a violation of my basic consumer rights.

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 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I never applied for it, i don't recognize this account.

I didn't sign any contracts or agreements with this company. I believe, that somebody used my personal information and open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase sent me promotional stuff and I followed opened checking and saving account. I transferred funds to both account as Chase instructed. 

after follow all the instruction, went to branch to verified identity But they closed my both accounts which have funds in it without any notice or a call. They told me they can close any account at any time in fine prints ( what kind of policy is this, there is no consumer protection at all ). 

They closed both my saving and checking and removed from my online dashboard so I can't access any of information and My FUND is GONE, DID NOT GET ANY MONEY BACK YET. It is more than $ 16k, now don't know where it is. CHASE JUST TOOK MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX did not validate the debts they allege I owe.  They never sent me anything in writing, I had to find out about them by reviewing my credit report.  They pretend they did not receive my timely, written demand for validation under 15 USC 1692g Sec. 809 (b) of the FDCPA.  HOWEVER, they did (UNTIMELY) respond (how would they respond if they really did not receive my written demand?!?) but their response did not comply with 1692g in any way, shape, or form.  It merely said the account had been "closed" instead of actually validating, per my request.  (See attached).  It has been many months yet they are still listing a negative(s) on my credit reports, despite the law giving them 30 days maximum.The credit bureaus have ignored this fact and are about to also get sued in federal court and pay all of my attorneys fees and costs if they do not immediately remove all negative references from XXXX XXXX XXXX from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have gotten 4 voice mails for my husband 's niece for a creditor. They have left messages on the following dates and times : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX 
XX/XX/2019 XXXX XXXX 
XX/XX/2019 XXXX XXXX 
XX/XX/2019 XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: AZ

Complaint narrative:
I am trying to login to Conduent t see my loan balance and I can't. I tried their forgot password option but I never receive a link to reset my password. You can only access the information to contact this lender once you have logged it. I have tried every number for this provider that I could find with a XXXX search and all three were disconnected. I don't know how to get help. I have a right to see my info!

Company response to consumer: Closed with explanation