vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 bought out my bank SIMPLE BANK, and transitioned my online services on Saturday XX/XX/2021, ( XX/XX/2021 ) this required me to set up a new sign in ID and Password, after attempting to do so, I was locked out of my account. after trying to connect with their costumer service as advised XXXX XXXX XXXX XXXX XXXX I was repeatedly hung up on, and have received no further assistance.

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: Other features, terms, or problems — Privacy issues
Company: Netspend Corporation
State: NV

Complaint narrative:
I received a Brinks prepaid XXXX when I never requested one or signed up for anything that would've resulted in a card being sent to me. I feel that my privacy had been violated by them sending this card unsolicited.

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
CREDIT COLLECTION SERV # XXXX I'm unaware of this debt and did not have the opportunity to dispute this debt as no information was sent to me. In addition, please send the following : Assignment of Debt Method of Verification of Debt Validation of Debt Also, provide Certified Mail Receipt if you believe notification was provide.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
MIDLAND CREDIT MANAGEM # XXXX I'm unaware of this debt and did not have the opportunity to dispute this debt as no information was sent to me. In addition, please send the following : Assignment of Debt Method of Verification of Debt Validation of Debt Also, provide Certified Mail Receipt if you believe notification was provide.

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: MD

Complaint narrative:
Back in XXXX BBVA ( bbvausa.com ) made the decision to shut down Simple Bank ( simple.com ) and transition all of its customers to BBVA instead. The transition was supposed to have taken place on XX/XX/XXXX, however since BBVA shut down the Simple app many customers ( myself included ) have had no access to our accounts and have been unable to register for access through BBVA and have been unable to contact BBVA in any way. 

I tried multiple times yesterday to contact BBVA by phone however their phone line just lead to an automated recording saying they were having difficulties and then hung up on you. BBVA stated multiple times on XXXX yesterday that the issue should be resolved however I am still unable to gain access to my account. Around XXXX last night BBVA made a statement on XXXX that there would be another customer support line setup for Simple customers to call on Sunday for help. I have attempted to call that line multiple times this morning only to be met with silence followed by the call disconnecting XXXX XXXX  : XXXX ). Others who have actually had someone answer the line have been hung up on after stating they were Simple customers XXXX XXXX  : XXXX ). And numerous others have stated that after calling the service representatives either laughed at them XXXX XXXX  : XXXX ) or pretended to not hear them XXXX XXXX  : XXXX ) and then hung up. 

You can find many more examples by just searching for replies to BBVA_USA 's XXXX account : XXXX  : XXXX  XXXX & XXXX & XXXX BBVA has also been repeatedly hiding any replies to their posts stating that the information they're providing is demonstrably untrue : XXXX  : XXXX XXXX  : XXXX As of XXXX on XX/XX/XXXX. Two days after the transition I still have no access to 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: Opening an account — Confusing or missing disclosures
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
Bank was switched from Simple to BBVA, I was locked out of trying to open an account and have been unable to access my money for 2 days now. Have called BBVA multiple times, am either hung up on disconnected. My access to my entire checking account is gone - I can not access any of my money. 
BBVA did not attempt to email customers, only found out what was happening through searching on 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: 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 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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I paid my CITI Bank XXXX ( Citibank Customer Service XXXX  XXXX XXXX XXXX XXXX, SD XXXX ) 2 weeks before the due date by phone. I enter my bank account and routing number and LISTEN for the automated system to repeat it. CITI says that I entered the wrong account number and CHARGED me LATE and OVER THE LIMIT FEES in excess of {$110.00}!! This is a SCAM and FRAUD!!

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 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: MO

Complaint narrative:
XX/XX/XXXX Simple Bank transitioned to BBVA. BBVA would not let me enroll due to system error and now my account is locked. They set up special customer service hours for XX/XX/XXXX and I have been hung up on 7 times due to them not being able to hear me. They are doing it to everyone, its all over XXXX. I cant deposit any checks or access my account to see funds or move any 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: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
BBVA transitioned Simple Bank customers over to their online banking at XXXX on XXXXas of noon the following day XX/XX/21 the millions of us who have been trying to access our accounts can not do so because of their broken system. The call center they told us to call is pretending they cant hear us, laughing and cursing. I have no access to my money or accounts for two days now and that is totally unacceptable.

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: NH

Complaint narrative:
BBVA bought the bank I had an account with, Simple Bank. As of yesterday they disabled the Simple Bank accounts and transitioned them to BBVA. 

Since then I have been unable to access my account. 

I have tried repeatedly to get in touch with them using their provided numbers, but their agents just keep pretending they cant hear callers, even though you can hear them pause and listen to what your saying. They then just hang up on you. 

Theyre doing this to multiple callers, as reported on XXXX 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: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
XX/XX/2021 Former customer of Simple Bank which as of XX/XX/2021 was closed and accounts were to be transferred to BBVA USA. Account transfer has locked me out of my account. BBVA has provided zero assistance. They say they have opened up Customer Service today XX/XX/2021 from XXXX to XXXX XXXX every time I have called for assistance ( 20 times as of writing ) my call gets disconnected or I get through to a CS rep who instantly says they can not hear me and hangs up.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
The account is XXXX XXXX and therefore it needs to be taken off me. The balance is XXXX is not accurate in any measure. I need this taken off because it is not something that needs to be on here and its inaccurate .charges need to be removed and it needs to be listed as something that can be handled. The balance needs to be from written off to all the way closed. The card need to be handled in any concerned and i would appreciate any help you can assist me in. I need you to help me get this off my credit report due to the issue being at hand.

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:
BBVA closed simple bank accounts with a severely inadequate plan in place. It's been 2 days and members can't access their accounts. This is completely unacceptable and needs to be addressed. The special customer service line simply either hangs up on you or connects you to a person who can't hear what you're saying and then hangs up.

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 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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
BBVA USA acquired Simple bank and absorbed its customers on XX/XX/2021. Effective XX/XX/XXXX at XXXX, Simple customers like myself no longer had access to their accounts and were told to setup accounts with BBVA XXXX Saturday, XXXX. 

Upon attempting to setup accounts, the process fails. BBVA 's customer service phone numbers were disconnected all day XXXX. After 12 hours of online complaints via XXXX, they issued a statement that they would open customer service for Simple Customers for special hours on Sunday XXXX, XXXX - XXXX XXXX XXXX. Currently as of this writing, either calls to that line XXXX are either disconnected, or when a representative answers they can not hear the callers. I have attempted to call from multiple devices. This is now approaching 48 hours of being fully locked out of my own bank account when BBVA had MONTHS to prepare for this transition. I can not review my transactions, statements, manage payments, or check my balance. I have no clue when this will be resolved. 

They have also engaged in a practice of hiding customer replies to their XXXX to obfuscate the situation further. Example - https : XXXX? XXXX Additional XXXX Documentation - https : XXXX? XXXX https : XXXX? 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I settled out a collection account, as settled in full, and it is still appear on my credit reports. It does not show that they were settled or anything. They appear on my TransUnion and on my XXXX Credit Reports.

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: SC

Complaint narrative:
The company i'm filing a complaint for is BBVA USA. On XX/XX/XXXX they transferred all customers from a now shut down bank called Simple into their service. The transition failed and now many thousands or more customers are struggling to try to get access to their accounts and to their money. BBVA USA customer service has been terrible or non-existent. They consistently hang up on customers when they tried to call and get the transition issue resolved. Their website has countless errors when customers try to enroll online or in their mobile app. They locked almost everyone out of even being able to try to login. This needs to be looked into so all these people can have access to their money and banking again. It is unacceptable.

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:
I am a former Simple user and I have not been able to access my account since it was converted to a BBVA account on XXXX. I, along with a vast majority of Simple users, have attempted to reach their customer service line and the calls disconnect after one ring each time. I can not access my account or my funds and it is unacceptable.

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

Complaint narrative:
On Saturday XX/XX/XXXX, Simple ( www.simple.com ) was shut down and transitioned to BBVA. For several months, BBVA and Simple sent emails detailing the transition process. I was told I'd be able to open an online account with BBVA to be able to access and mange my checking and savings accounts. 

When the date came, BBVA 's website did not allow me to sign up for an account and prompted me to call them. I tried calling several times to multiple numbers they've published. Every time I called, the call was disconnected. 

On Sunday XX/XX/XXXX, BBVA tweeted that they had extended customer service hours and published phone number to call ( XXXX ). Calling this number resulted in a representative pretending they couldn't hear me and immediately hanging up. I tried calling several times and always had this response. 

I am currently locked out of my account and no longer have access to over {$50000.00} in my savings and checking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I made my payment every month, they claim payment was late on multiple occasions. First I had a extension due to COVID then the Texas freeze. Therefore, late payments should not have been reported as agreed. TD AUTO FINANCE

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: OK

Complaint narrative:
We had a banking account with Simple, but it was shut down and our accounts were merged with BBVA Compass on XX/XX/2021. We tried to activate our new account with BBVA Compass so we could have access to our account and money, but we have been completely locked out. I have tried to call their customer support line, the one they said would be open on XX/XX/2021 ( Reference : XXXX  : XXXX ), and every time I call the person on the other end pretends they can not hear me and hangs up. It has been over 24 hours since we have had any access to our money, and BBVA has not contacted me or offered any solution that would actually fix the problem - despite the fact that I have tried repeatedly to contact them.

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 — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
BBVA bought my previous bank : Simple. Simple announced a transition in XX/XX/2021. When the transition was supposed to officially happen ( XX/XX/XXXX ), the new bank BBVA locked accounts once the consumer tried to initiate their transition. After attempting to call their multiple customer service phone numbers, I have not been able to speak to a customer service representative. All the phone numbers lead to automatic disconnection. This process has left millions of people without access to their money, their debit cards, and left wondering about the legitimacy of this new bank. There is no other way to speak to anyone at the company - just call. No emails about the issues they are having - just had to research on XXXX. Horrible and leading many consumers stranded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Hi since the ending of last year Ive been trying to pay off my debt to get me and my kids a home my comenity capital childrens place account was paid in full since the beginning of this year but has yet to be taken off my report Ive disputed this account numerous times and it says its been updated but it hasnt the company was sold since my account was opened the original company says once they sale it its not their problem and the company that has it now says theyve sent a letter to delete this but the original owners would need to help me with this at this point the bill is paid and Id just like it removed. Thank you

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/XXXX  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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company SYNCB/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 {$810.00}. 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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I settled out a collection account, as settled in full, and it is still appear on my credit reports. It does not show that they were settled or anything. They appear on my XXXX  and on my Experian Credit Reports.

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: Incorrect information on your report — Account status incorrect
Company: V and H Portfolio
State: CA

Complaint narrative:
I settled out a collection account, as settled in full, and it is still appear on my credit reports. It does not show that they were settled or anything. They appear on my XXXX  and on my XXXX  Credit Reports.

Company response to consumer: Closed with non-monetary relief