vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Lowes credit card opened in my name fraudulently. Reported to company, removed from credit report and is reporting again in my credit report

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: 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 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Credit card was opened fraudulently in my name Reported to XXXX  and was removed from report Is reporting on my credit report again

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 {$280.00}. 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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: MT

Complaint narrative:
I have made a limit order on Gemini using their active trader software and now I am unable to cancel that limit order and my funds are stuck unless the price of the currency gets to that point, which it is unlikely now. I had no pending deposits or withdraws and should not have had a problem cancelling a order. The limit order was placed on XX/XX/2021 for {$3400.00} and I have contacted their support multiple times with no response. I am starting to think they are keeping my money.

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: Chime Financial Inc
State: PA

Complaint narrative:
I am a member of Chime, Managed by XXXX XXXX  XXXX FDIC # XXXX My account with all my life savings has been suspended without any resolution offered by the bank besides submitting my information. I have done what the requested and confirmed with me multiple times my account at the latest should be unlocked by XX/XX/2021 XXXX XXXX  EST. It is now past that date and I have called support multiple times and they say they can not contact the department that manages the institutions account suspensions. I am now left unable to pay my bills or provide money for payments as all my money deposited into the institution. I spoke with the following individuals : Employees : XXXX : Supervisor member services XXXX : Supervisor member services XXXX : Manager member services EID # : XXXX

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: Other service problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I have not been able to log into my Coinbase account for two days. After following the recovery steps, I get a we are experiencing connectivity issues page, or your account is temporarily disabled message. They claim to have specialists working on the issue. 
I have researched this site and have seen dozens of people stating that they have been locked out of their accounts since XXXX or XXXX. There is no phone number to call for live support. My case numbers are : # XXXX and # XXXX.

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: PA

Complaint narrative:
Simple banking transferred to BBVA USA on XX/XX/XXXX. Since the transition, I have not been able to access my money. The enrollment for online banking and mobile banking is not working. I can not get through to BBVA customer service - it disconnects the call every time. I can not even access my money in order to remove it and bank somewhere else. This is my only source of money so to be without access is awful.

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: OR

Complaint narrative:
I called BBVA customer service about getting into my Simple account 8 times this morning at about XXXX PST. The service reps did not say anything at all or said they couldnt hear me when trying to receive help with my account. Their website says I need to call somebody for help, but wont put me through to anyone who will help me and now I am still locked out of my account.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
DateXX/XX/XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, WASHINGTON, DC XXXX Request Originator DateXX/XX/XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, WASHINGTON, DC XXXX Request Originator Has put hard inquiries on my credit report without my knowledge or approval. Tried to dispute it and they obviously provided some fraudulent paperwork to substantiate it. They have done this twice in the last two years

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: WY

Complaint narrative:
On XX/XX/2021, after simple bank was shut down by BBVA, I attempted to create a username and password to access my online banking. This process failed with a " system error '' message. 

Later that same day, the website informed me that the account creation was actually successful, and that I should attempt to login with username and password I created initially even though it ended with an error message. This process failed, and my account was locked and I was presented with an error message that I must call customer service to unlock my account. Since this was a weekend, there was no customer service available. 

On XX/XX/XXXX, I was informed that customer service would be available to assist with transition, with a phone number on the website of XXXX. Upon calling this number I was greeted with dead air. Over the next two hours, I attempted to call this number again, thinking it was a glitch. After my fourth attempt I reached a representative who did not respond to my questions acting as if they could not hear me, I was then hung up on.

This process repeated itself sixteen more times. Sometimes reaching dead air, sometimes reaching a representative who either claimed to not be able to hear me, or simply hanging up as soon as I spoke.

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: MN

Complaint narrative:
BBVA was supposed to transition all of our Simple accounts over to BBVA so we could access them Saturday morning, but their site crashed and locked everyone out, and now they aren't answering their phones or sending emails or other communications about my money, and I can't view how much money is in my account or access it. They haven't sent any emails about it and the only way I can find anything out is on XXXX, and they only rarely post there. As of yesterday I should have about {$340.00} in the account but I can't see if any transactions happened or any money was taken out or added.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
My wind and hail is due onXX/XX/XXXX and has still bee unpaid and am at risk of having coverage canceled. DMI has messed up my coverage ever since boarding the loan with them. 45 min hold times. XXXX XXXX  is the servicier of the loan and DMI subservicer. They have royally screwed up and have done very little to fix. XXXX XXXX  is no providing proper oversight of the subservicer and DMI has failed to maintain escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have a bank account with Discover bank and applied for a credit card. I was approved for {$10000.00} but they were unable to verify the tax form I was filling out online. I was not able to access the card, use card or access card online. Now, Im receiving notice of a {$1500.00} balance. How can I have a balance when I am not able to use the card until you could verify, which never happened?

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: FL

Complaint narrative:
Can not access banking information. No customer support. Recorded call center and they just keep hanging up. No responses or updates on anything for 2 days

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 — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: MO

Complaint narrative:
My banking platform, Simple, was purchased by BBVA. A few months back BBVA made the decision to XXXX Simple and transition all accounts to BBVA after business hours on Friday, XX/XX/2021. The company sent emails to me and other Simple customers telling us our accounts were ready to use. However, trying to activate the account resulted in vague errors on the companys website. Calling the provided customer service number also resulted in vague automated error messages saying to call back later. BBVA later posted a tweet claiming the error was resolved, but this appears to be incorrect. They tweeted again saying customer service lines would be open today, Sunday, XX/XX/XXXX. However, calling those numbers result in automated recordings of people pretending they can not hear you. 

It has been 36 hours and I have no way of accessing my checking or savings accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
XXXX Bank was a XXXX lean holder for a XXXX XXXX Focus I purchased in XXXX. 
I purchased the vehicle for XXXX with XXXX percent APR. The vehicle was reposed due to the payment being made to the wrong company. They resold the vehicle at auction for XXXX Which paid off the loan completely. 
In XXXX I recieved a letter stating their was a judgement against me and that I owed {$55000.00} which the original amount was paid. The company representing XXXX Bank which is XXXX XXXX XXXX. 
The creditor is coming after me by requesting a wage garnishment from my employer. 
They recently took out {$1000.00}. 

This Company is going after me during a pandemic and THE CARE ACT authorities will be notified of this debt. 
I am head of household. My debt to income is above XXXX percent of my wages. I need to report this debt as fraud as this is not a amount due, XXXX was originally paid off. Any further contact with me or garnishment will result in a class action lawsuit against both companies. You have 30 days to respond with a closure notice of this fraudulent debt. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
In late XXXX XX/XX/2021, I was alerted to a negative remark on my credit files with the XXXX bureaus. I reviewed the reports and discovered that a company by the name of " Sunrise Credit Services '' had put a derogatory remarks that I owed them a debt. They are a debt collection agency. 
After much trouble, I was able to contact them over the phone to find out what the debt was about. This was on XX/XX/2021. They informed me that I had debt from XXXX XXXX XXXX ( which I do not recognize ). When I asked why they never contacted me before, the Sunrise representative informed me that they had been sending letters. When I inquired what address they have on file, it turned out to be an incorrect address!! 
I gave the representative the correct mailing address and email address to share with me the information about the debt and the process to dispute the same. 
They have not shared this information with me to this date XXXX almost 2 months XXXX, but now keep sending me " debt settlement '' plans via email. I am attaching this document with complaint as this is the only reference I have. 
The derogatory remark is still on my credit files and I need to get this resolved asap.

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: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: ID

Complaint narrative:
I was a Simple Banking customer. Simple closed up and was to be transitioned to their parent company, BBVA USA on XX/XX/2021. Immediately there were significant errors when attempting to enroll. Attempts at contacting customer service were futile as wait times were in excess of an hour. Then, the following day on XX/XX/XXXX BBVA stated they would have their customer service open on Sunday ; however, when I, along with thousands of other people, called customer service ( XXXX ) someone would immediately pick up, act like they couldn't hear you, then hang up. I tried twice from the same phone, then I got a second phone and customer service wouldn't even answer, it would just hang up. At this time, I have no access to manage my money, BBVA customer service is not operational, and there is no solution to this problem for an unknown thousands of people. There are hundreds of complaints and the XXXX threads reference these complaints are numerous concerning the problems with this transition.

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 — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On or about XX/XX/2021 I tried to pay the parking after a Dr. appointment with united Explorer MileagePlus Visa with Chase this card I have been using for more than 40 years the account is current and good standing, the amount was {$12.00}, for no reason the payment was declined, that was embarrassing and made unnecessary delay and exposure to traffic delay, I rushed to my clinic and I was shocked when I saw a note " Online '' the at my account is closed!, I called the customer service and they did not give any ligament reason to close the account, the violated their agreement and caused damage for my integrity and reputation.

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: LA

Complaint narrative:
From XXXX to current BBVA has absorbed my Simple accounts and I have no access to them. Customer Service is non-existent in chat and phone forms. Not even so much as an email.

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:
I signed up with Simple bank. They announced the BBVA acquisition and sent messages that nothing would be changing. I was surprised this morning to find the Simple app was bricked and I had to sign up for a BBVA app to access my account. I was able to do that and see my account, but Im unable to deposit checks. The error I get is that the amount I entered doesnt match whats on the check. It does. I retried taking the photo 3x, exiting & entering the app, same error. I had to write specific instructions on the check for mobile deposit only, so now I cant deposit it at a brick & mortar BBVA bank. I tried calling BBVA customer service but their phone lines hang up calls as soon as they are answered by a rep. XXXX is the only place I am able to find any current information about the transition, and its from other customers.

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: AZ

Complaint narrative:
There are fraudulent inquires on my credit that I want removed! 

They werent opened by 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: MA

Complaint narrative:
On Saturday, XX/XX/XXXX - my accounts formerly owned by Simple, were rolled over to BBVA USA as part of an acquisition/merger. BBVA completely botched the rollover ; my accounts have been unavailable to me for over 24hrs. I can still make ATM / Debit withdrawals, but have no visibility on balance, transactions, or ability to deposit checks or funds. Their customer service department has been overwhelmed by customers similarly left adrift - and I have been hung up on multiple times by their customer service reps. 

My funds are effectively being held hostage by a company that seems to have no interest in assisting its new customers. Stay away from BBVA, I intend to close my account as soon as I have access to my funds again.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I contacted Equifax the week of XX/XX/2021 to inquire why they deleted two of my positive reporting tradelines, XXXX XXXX and XXXX XXXX both have a {$5000.00} credit limit available each. The representative I talked to told me that they were on my credit report. However, after seeing my report and personally reaching out to both creditors, XXXX XXXX and XXXX XXXX, they confirmed and are working with Equifax to place the tradelines back on to the credit report and surprised to find out that they deleted both tradelines. This is effecting my credit worthiness and my FICO score. Equifax continues to add and delete remarks to the XXXX XXXX account which should be removed since the information is inaccurate. This account was fraudulently opened and I have sent several letters and correspondence to the credit bureau.

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

Complaint narrative:
Simple Bank announced it was closing and all accounts would transfer to its parent, BBVA USA, on XX/XX/2021 and provided instructions on how to access the new BBVA account starting on that date. 

I followed the instructions on XX/XX/XXXX and received a message stating " Your account is locked '' and a phone number I could call. 

On XX/XX/XXXX and XXXX I called that number for a total of 12 times and every time I've reached a customer service representative, the call has been disconnected within 5 seconds. 

I've received no other communication from BBVA and am unable to access my funds or reach a representative.

Company response to consumer: Closed with explanation