vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 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 USA owned Simple Bank. On Friday evening ( XX/XX/2021 ) BBVA USA converted Simple users to BBVA, however, the conversion went horribly wrong. Thousands, if not all, Simple customers, including me, were locked out of their accounts and unable to complete the conversion and set up access to BBVA. 

Thus far, BBVA has sent out no emails to their customers about the problems and what they are doing to correct them. The only means of communication they are using, that I'm aware of, is XXXX. 

Although they have extended their support hours it is still almost impossible to contact them. I have been trying since last Saturday and at some point, each of those calls was disconnected. 

BBVA states that all pre-set transactions are still working and that the Simple debit cards still work at their network of ATMs. However, the only ATM within a reasonable distance of my house is out of order, so I will have to drive miles to an ATM to check my balance and see if any deposits have arrived in my account. 

BBVA 's response to this fiasco has been woefully inadequate. 5 days in and most customers are still without access to their accounts and their customer support systems are still not up to the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I put a credit freeze on my Experian, XXXX  and XXXX  account last year because I wasnt looking for a new credit and I wanted to be safe. Now, I need to apply for a loan and need to unfreeze my account with all 3 and I was able to do it except with Experian. I followed their websites to the letter, I even have my PIN, after I put all my information, and submit, it says " We are unable to process your request. 

If you would like further assistance in removing your Freeze, please contact us at XXXXEXPERIAN '' So, I called the number, and there is NO person talking to me only the robot, and the robot DOES NOT have an option to unfreeze my account. Then, I went back to the site and re-submit the unfreeze application. After I hit submit, it says " To permanently remove your security freeze, please mail us this letter XXXX or the information in it ), along with one copy of a government issued identification card, such as a drivers license, state ID card, etc., one copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue XXXX statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. We will validate your information and remove your security freeze for the timeframe you request. '' Are they serious? Their incompetent website and incompetent call center is a punishment for me? Now, I need to mail my documents to them? I was able to unfreeze with 2 other bureaus easily, why is Experian making everything harder? Cant they just make a system that allows unfreeze 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 non-monetary relief
Consumer complaint received 2021-05-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I apply for a PPP loan with Arvest bank and they make me waste my time and never get the second PPP loan due to their negligence in submitting my application. now they just sent me an email saying that sba run out of money for this loans.

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 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
I have an amount showing on my credit report from a company and I dont know what this is or why its showing negatively on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been disputing this matter with Capital one, I have sent numerous letters to settle this debt with them. Due to the pandemic, I have heard anything back from them now I received a letter from a third-party collection agency that brought the debt. I only going to deal with capital one on this matter with no third parties for I have tried much time to settle with capital one before it was sold to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting that I owed a balance of XXXX $ until XXXX of 2021. I began payments thru their collection agency, XXXXXXXX XXXX in XX/XX/2021, with XXXX $ monthly payments for 3 months before settling in XXXX for XXXX XXXX Actually paid XXXX $ and settled. The account balance carried thru XX/XX/2021 is incorrect, and has been disputed with no result. They are in violation of the FCRA for false information. All 3 credit agencies, XXXX, Equifax, and XXXX have failed to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting that I owed a balance of XXXX $ until XXXX of 2021. I began payments thru their collection agency, XXXXXXXX XXXX in XX/XX/2021, with XXXX $ monthly payments for 3 months before settling in XXXX for XXXX XXXX Actually paid XXXX $ and settled. The account balance carried thru XX/XX/2021 is incorrect, and has been disputed with no result. They are in violation of the FCRA for false information. All 3 credit agencies, XXXX XXXX, and Experian have failed to investigate.

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 2021-05-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX XXXX concerning a collections in the amount of {$4200.00} from NATLCRSYXXXX XXXX XXXX XXXX XXXX ( original creditor ). I do not know where this place is. I am born and have been raised in the State of MS almost my entire life. I have lived in XXXX, WI from the period of XXXX to XXXX until I return home to MS and have been living here ever since. Also in XXXX, I have discovered that someone tried to open up a credit on me at XXXX XXXX XXXX in the State of Texas and I put a freeze on my credit, but apparently this person was able to get an apartment in my name ( now how that possible I don't understand ). I have report this as an identity theft and would like this resolve as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX -- account reported without proper validation of debt. 



Violation of FCRA.

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 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aurora Financial, LLC
State: FL

Complaint narrative:
Amazing how XXXX these people are. Started off with XXXX XXXX as loan processor, supplied every item of paperwork they asked for, immediately, paid for appraisal ( which came in over sales price ). As soon as I pressed them for a clear to close, they wrote that XXXX was away and another person, XXXX, was taking over. More paperwork requested and supplied by me, closing is next week and they now say they need paperwork from the IRS, whom they say is " backed up '', so don't know if they can do " clear to close ''. 
Our credit is stellar, all paperwork asked for supplied, including filed tax returns. 
I should lose sleep over these people because they are incompetent 's, lazy, lack the funds to close or a combination of all 3??

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I took my 2010 XXXX in to Tires for less for a flat tire. The worker showed me a tire that he said was {$74.00} dollars and then asked him if he had XXXX of them he showed me both tires and we agreed to do the work. I then went to lunch and when I came back the car was complete. I inspected the car paid and drove off. When I got home I noticed my account was charged {$540.00} dollars which we did not agree on. I then went back and he said that it was nothing he could do. I then called my bank and disputed the transaction and they said I needed a receipt but the merchant never gave a receipt.

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 2021-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened up a Citi Priority Savings account online ( statement attached ) the end of XXXX. When I went to check my account, I was told it was " locked '' but no-one could tell me why ... ..not " new accounts '' nor " fraud '' department. I was told it was a " security '' issue. On XX/XX/XXXX, {$5000.00} was debited from my account, so I assumed a check was coming to me ... ... ..nothing ever arrived! I have called numerous times, but unable to get any information from anyone. At first I was told I had to wait 30 days, then 60 days ... ... but still no check or concrete answers. There are no physical offices in MA or RI. 
Do you have any contact with Citi? How can I get my money? 
Thank you, XXXX 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 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I saw on my credit report that portfolio recovery had 3 collections and I went over my report and also the information they were providing and nothing matched to me at all.. the address was not any address ive lived in.. the name was incorrect..email and job along with other items.. I disputed the information with the credit report only to have them say it was accurate and thats just not humanly possible. I asked for my signature on anything bearing this is my account along with other items and they could not provide anything and all they did was update their profile after my dispute ... I know my rights as a consumer and will be looking for litigation if this is not successful as I have plenty of evidence to show this is not mine! My rights as a consumer state they must prove 100 % the account is mine and there is no way that was possible so im taking this route and hiring a lawyer next if need be.. thank you for reviewing this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I called in on or about the last week of XX/XX/2021 to dispute some fraudulent information on my credit report. I was told to send in a police report, copies of SS and as well as ID which I faxed in all documentation and everything that was asked. I received a letter dated XX/XX/XXXX that they need the same information that I had just faxed in and told me my police report wasnt good enough. I called Equifax on XX/XX/XXXX and spoke to a very rude representative who was supposed to connect me with a supervisor but hung up on me. This is not the first time this has happened to me with this company and it seems to be a ongoing problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: AR

Complaint narrative:
comenity bank is reporting to the credit bureau that my accounts are charged off. they sold all of my accounts with them to an collection agency that i then paid off completely these accounts should be removed from my credit report i have disputed them several times and the information just gets updated and nothing changes

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 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: IL

Complaint narrative:
I have been working with NACA since XXXX of XXXX as part of their home buying program. I have given them total visibility to my entire financial history. They have pulled credit reports, employment history, mortgage history and household history. They have received tax returns, bank statements, credit card statements, voter registration, social security cars, drivers license, student loan info and the lists goes on and on ... This organization has done nothing to assist me in the home buying process. I have been through underwriting multiple times only to be given unreasonable conditions or flat out denied. On yesterday XX/XX/XXXX, I was told that because my previous mortgage was not paid on or before the due date I do not qualify for their program. My mortgage was never reported late because according to the law I have 30 days to pay which keeps it in a current status. This means it is not delinquent. My credit report shows 7 years of no late payments. After months of back and forth with NACA and me paying off thousands of dollars of debt they are still denying me because they see on the required mortgage statement that my payment was not mad on or before the 1st of each month. 
I feel like this organization is purposely making it difficult for me to purchase a home using the benefits they offer and advertise. It may be my XXXX  or XXXX, it could be my job title or it could be the area in which I desire to live. One thing for certain it is not because I don't meet the general program qualifications. I have worked to provide all that they have asked for as a participant to prove that I can sustain a mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation