vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have contacted all three Credit Bureau/Agency ( XXXX  ) and the Creditor ( Bank of America ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

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 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA Compass Bank forced Simple Bank customers to transfer to their bank - they have cutoff access to information on the Simple website and I am unable to access my BBVA account in any way. I have called several times and the customer service center reps say they can't hear us ( this has happened to mutiple people and is well documented on social media, including recordings of them saying this and hanging up ) and hang up after being on hold for over an hour. I still have no access to my account, the customer service center is actively rejecting any request for information, the Bank has sent no emails explaining the problem, and what they're doing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7200.00}, {$3500.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XXXX XXXX XXXXXXXX with a balance of {$7200.00} -This is not my account. 


-- PERSONAL LOANS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX  XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
BBVA unsuccessfully transferred former Simple Bank users. I have been unable to access my account or reach a human-being who can help. There is no solution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021, BBVA shut down Simple, a banking service they owned. They did this at midnight on a weekend with no ability to set up your new BBVA account ahead of time and on the XXXX, their system completely failed converting Simple accounts to BBVA accounts, spitting out error after error locking out customers from their money. 

They offered no communication or explanation beyond a few tweets and do not seem to be working to help their customers. Their XXXX mentions are littered with customers having this issue, all locked out of their accounts with no access to managing their money. 

It is now midday XX/XX/2021, and I am completely locked out of my account. Theres no online support for this issue and the customer service phone line is consistently hanging up on people once someone answers. I have no access to my money, I have no way to close my account, I have no way to move money, and I have absolutely no support from BBVA or any idea how to resolve the issue. Their posted solution ( call the phone number ) does not connect me to a human being. Theres no one I can talk to for help resolving their issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: KS

Complaint narrative:
I previously banked online with Simple. On XX/XX/2021, Simple transitioned to BBVA. On that date, I was unable to establish online access due to a " system error '', as were a large number of other customers. I have called BBVA 's customer service 10 times as of this filing, and have been disconnected without making contact with a representative every time. I have not been the one to disconnect the call, the automated system at BBVA has hung up on me. There has been no direct communication from BBVA, any information regarding the transition issues that I have received has been from BBVA 's social media accounts, which are not directly addressing the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I recently noticed that numerous ACH transfers have been made from my XXXX  banking account to a Moneylion account in the form of XXXXXXXX XXXX XXXX  Membership, etc even though I have never opened an account with Moneylion nor have I done any business transaction with them. 

I reached out via phone but the Moneylion 's consumer support line does not provide / or makes it extremely difficult for non-customers to reach a support team to report a possible fraud and/or identity theft.

The amount of financial damage is significant and I want Moneylion to not only promptly resolve this issue by closing down this account and reversing the fraudulent transfers, I want an explanation of the company 's practice of opening new accounts without an explicit consent and solicitation from a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXXXXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: KY

Complaint narrative:
Account transition from Simple to BBVA was scheduled for Saturday, XX/XX/XXXX. When attempting to enroll via the XXXX app, the process failed and the security question stage. I attempted to complete the process via BBVA 's website and was told my account was locked. After repeated attempts to get in touch with someone I was able to talk to a customer service rep that told me she would be sending an email within 20 minutes with instructions for unlocking my account. That email never came. Today, Sunday XX/XX/XXXX, I have repeatedly tried calling in with no success. XXXX my calls are disconnected as soon as I select the option to get to an agent, or I am met with what appears to be a pre-recorded message stating that they are unable to hear me, they start listing a different number for me to call, and the call disconnects before they finish. The last time I called I was connected and heard nothing but laughter on the other end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
BBVA USA has locked my account after attempting one time to activate my Simple Banking account according to their transition instructions and has made not effort to resolve the issue. 
Customer service lines are extremely long and where you do get to a representative they hang up on you, they don't seem to be able to hear me -maybe. 
According to their XXXX it would seem they put more representatives in to work on XXXX XXXX which in of itself is cruel beyond the fact these employees are baring the brunt of a hostile interaction that they have no fault in. 
Again according to level of complaints on XXXX I am not alone in this terrible circumstance. 
I need to transfer money but have no idea if it will be bounce back and I'm unwilling to pay fees on one or both ends for account transfers to be rejected that I will never be reimbursed for.

We have been told repeatedly for what seems like five months that this transfer will happen email two months ago with an explicit date ( XX/XX/XXXX ) the transfer will occur and that we should log on that day and set up our new account. 
It feels as though my entire bank account has been stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/2021 BBVA CLOSED SIMPLE BANK APP AND TRANSFERRED CUSTOMERS TO BBVA with instructions to register new online account with BBVA.

I HAVE TRIED MULTIPLE TIMES TO CREATE MY NEW ACCOUNT WITH NUMEROUS ERRORS AND UNABLE TO REACH VIA CUSTOMER SERVICE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I ordered my credit report and there was a charge off account from XXXX which was supposed to be removed in XX/XX/XXXX. I disputed with the credit bureau to get it removed and they updated the account using the information from XXXX to XXXX as new. This caused my account to drop XXXX points in 2 different disputes. They were supposed to remove the charge off and instead they updated the old information to the present year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXXXXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$79.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$280.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: TX

Complaint narrative:
I RECENTLY PULLED MY CREDIT REPORT FROM TRANSUNION AND I NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE. I CONTACTED TRANSUNION VIA TELEPHONE AND THE COMPANIES LISTED TO INFORM THEM THAT I DID NOT AUTHORIZE THESE INQUIRIES AND ACCOUNTS AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. THEY DID NOT TRY TO HELP ME. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE INQUIRIES ARE A RESULT OF IDENTITY THEFT. 

I HAVE ALSO SENT A LETTER TO TRANSUNION ON XX/XX/XXXX REGARDING THE UNAUTHORIZED INQUIRIES. I HAVE NOT RECEIVED A RESPONSE YET. I HAVE ALSO MADE MULTIPLE CALLS TO THEM BUT THEY CLAIM THEY HAVE NOT RECEIVED ANY OF MY LETTERS. 


HERE ARE THE UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was banking with Simple bank who is now bought out by BBVA. I have not been unable to access my money for two days. I reached out to BBVA multiple times but they refuse to help me access my account. This process was suppose to be a smooth transaction but it is not. I have been without food or gas etc for the last two days. I dont have access to any of my accounts nor does the debit card work

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I opened an account on Binance and then on BinanceXXXX there is XXXX in cash on BinanceXXXX and I have been unable to withdraw it or use it on the platform. 

XX/XX/XXXX : Opened account on XXXX whilst traveling internationally ( in XXXX XXXX XX/XX/XXXX : Sent virtual currency XXXX XXXX XXXX to Binance to purchase other virtual currencies XX/XX/XXXX : Opened a BinanceXXXX account at request of app because of my location being in the XXXX XX/XX/XXXX : Submitted documentation for basic identity verification XX/XX/XXXX : basic verification was successful XX/XX/XXXX : Submitted documentation for advanced verification XX/XX/XXXX : Submitted support ticket ( # XXXX ) t to find the status of my account. Received an email stating that my application is going to be reviewed in the order it was received. 
XX/XX/XXXX : Submitted another support ticket XXXX # XXXX ) and immediately received an email stating they are working through a high volume of tickets and that I should not create anymore tickets because it will result in longer wait times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
BBVA bank had been planning on closing Simple and converting the customers to their bank on XX/XX/2021. They had been planning for months. I had moved most of my money out, but about a week before Simple closed, I deposited a check for around {$3900.00} and when it cleared, I was not given the option to move the funds to my new bank. I decided to wait until XX/XX/XXXX when the conversion was complete and would take the money out of my newly assigned BBVA account, however, I was not able to get online access. 

Their customer service kept hanging up after saying " they couldn't hear me '' ; and it is almost certainly pre-recorded messages as they pick up immediately after one ring and all sound the same with the similar message.

There are multiple other people experiencing the same issue with the online account access and customer service hang-ups. There is not a physical branch within 2,000 miles of me, so it is extremely difficult to get access to my funds.

BBVA had months to prepare for this transition and have failed to provide adequate customer service support for the failed transfer of services. I, and a lot of other people, are not able to access our money when we need it the most. 

I hope some sort of action can be taken against this gross misconduct of people 's finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company STERNRECSVCS ( Original Creditor : XXXX XXXX XXXX ) account number XXXX**. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$240.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
After the BBVA buyout of Simple, I am unable to access my accounts. On Saturday XX/XX/XXXX and XXXX I have called support numbers only to be hung up on and treated like XXXX by their outsourced customer service team. 

I have no access to my account whatsoever due to this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I ordered my credit report and there was a charge off account from XXXX which was supposed to be removed in XX/XX/XXXX. I disputed with the credit bureau to get it removed and they updated the account using the information from XXXX to XXXX as new. This caused my account to drop 121 points in 2 different disputes. They were supposed to remove the charge off and instead they updated the old information to the present year.

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 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/2021 Simple bank accounts were migrated to use BBVAs system. During the transition, computer systems failed and locked customers out of their account. An error message stated to call a toll free number, which when called disconnected after a short while on hold. There is nobody to speak with and I cant access my bank account. It is unlikely I will be able to speak with a customer representative in the next few days as thousands, maybe tens of thousands of customers go through the same process to have their account unlocked. This is a very poorly managed transition without recourse.

Company response to consumer: Closed with explanation