vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: OH

Complaint narrative:
I sent them an email on XX/XX/2021 requesting they unlock my account. I am not able to sell or trade. It appears after I made an official complaint about the the first time, Binance.us has retaliated by disabling my account. But they dont have a problem when I withdraw money from my bank to use on their platform. Binance.us This is theft. They have my crypto currency locked. 

This is not how a company should be operating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: GA

Complaint narrative:
On XX/XX/2021 i sent AFNI a letter by certified mail stateing that i had no knowledge of the debt that they were asking me to submit for me to pay. I have never had no accounts with XXXX XXXX XXXX  ever. And for a 3rd party company to reach out and constantly harassed me by mail and phone has be 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: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
I've been a Simple bank customer since its beginning and loved them. BBVA bought them out and recently decided to close down Simple. They ensured us that the process would be seamless, but it has been awful.

Yesterday was the transition day and we were all instructed to sign-up for online banking through BBVA. When I tried this, I got locked out and was unable to access my accounts. This is not isolated to me, and it appears that there are tons ( maybe even all ) who are experiencing this same issue.

So what? Technical issues happen and are a part of life. I work in IT so I know this firsthand.

However, I'm filing a complaint because there is no way to contact BBVA, and they have failed to send any emails about the situation. Instead, I had to go to social media. Yesterday ( XX/XX/XXXX ) they put up a tweet " BBVA customer service will be open tomorrow, Sunday, XX/XX/XXXX from XXXX XXXX. to XXXX XXXX. Central to assist Simple customers converting to BBVA USA. Please call XXXX for service during that time. '' Well, I've called 25 times and been hung up on every single time. Their customer support staff are being instructed to hang up on these concerned people who can not access their funds. Some of them pretend like they can not hear us and others simply hang up within the first 10 seconds of the call. I know that this is coordinated and intentional because it happened so many times with different support representatives. 

This is truly astonishing to me, and absolutely unacceptable.

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 result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After receiving my report I noticed a few items that were not mine

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: FL

Complaint narrative:
Simple bank closed and customers were to be transferred to BBVA on XX/XX/2021. Still can not access 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXXL Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Auto Dealers, New XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX AUTO FIN Auto Financing XX/XX/2020 Experian XXXX XXXX Auto Dealers, Used XX/XX/2020 Experian XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX Auto Dealers, Used XX/XX/2020 Experian XXXX CREDIT/JONES XXXX XXXX XXXX, Used XX/XX/2020 Experian XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX ACCEPT Auto Financing XX/XX/2020 Experian XXXX XXXX AUTO FIN Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX XXXX, Used XX/XX/2020 Experian XXXX XXXX XXXX Mortgage Companies XX/XX/2020 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed 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 non-monetary relief
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have repeatedly advised Midland Credit Management this debt is not mine. They have listed incorrect information on all three of my credit file. They are currently sending me letters threatening to sue me.

Company response to consumer: Closed with non-monetary relief
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: DC

Complaint narrative:
XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XXXXXX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX XXXX XXXXXX/XX/2020 TransUnion XXXX XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed 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 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

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: NC

Complaint narrative:
I'm unable to access funds and account information after BBVA transitioned all Simple accounts to their services. Account creation doesn't work. No one is answering the phones at prearranged times. The bank didn't send any specific instructions. BBVA is only communicating contact information via XXXX to phone numbers I can not verify. For users who can get in, they're charging large fees to transfer funds out. This feels like fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Four Directions Lending LLC
State: AZ

Complaint narrative:
I have gotten repeated calls from 2 different numbers starting with XXXX. They have called me at XXXX XXXX. They have called me multiple times a day. Once they called right back after I denied the call at XXXX XXXX on XX/XX/21. They have called me on the weekends. Today, XX/XX/21, they called me at XXXX XXXX and it is Sunday! Here are the numbers that they have called from XXXX XXXX I also have a voicemail with them yelling in the background about something.

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: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have additional information on an open complaint number : XXXX. Wells Fargo failed to auto pay my VISA credit card account as outlined in the current complaint. On XX/XX/2021 they added an charge for interest on the balance they claim to be outstanding. I would like my complaint numbered XXXX to be updated so the resolution desired includes the reversal of the charge for interest on the alleged balance.

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: 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

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: DC

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 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: Convergent Resources, Inc.
State: OH

Complaint narrative:
CONVERGENT OUTSOURCING # 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 Validation of Debt Also, provide Certified Mail Receipt if you believe notification was provide.

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 — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I missed 1 payment and am going to pay it. It will be a week late. I know, ultimately my fault, but havent been late on a payment in a long time. It is only a {$25.00} missed payment. The company is comenity bank for my XXXX visa credit card. They have been calling non-stop, all day long. Today is Sunday XX/XX/XXXX and I have received 3 phone calls already, starting at XXXX, again at XXXX and another at XXXX XXXX This is when I am writing this complaint, so will update and keep record if more come throughout the day. This is ridiculous. I am only {$25.00} missed payment late, due to current situation and circumstances. They act like I am months behind the number of time they call. 3 times within basically a 90 minute time period. The number they call from is XXXX XXXX ) which says XXXX XXXX. This is borderline harassment. I understand they want their money but come on, for a {$25.00} missed payment, this is ridiculous.

Company response to consumer: Closed with non-monetary relief
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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

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: DC

Complaint narrative:
I have received a copy of my credit report and it shows company 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 {$730.00}. 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: DC

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

Complaint narrative:
BBVA chose to transition all Simple banking customers on a Saturday. They were ill-prepared and have locked most users out of their accounts for over 36 hours now. They closed down customer service phone numbers and when they opened one back up they're now having " technical difficulties '' with their lines and they either can not hear you or you are automatically disconnected. 
There is no recourse. Apparently we have to wait to see if and when we will gain access to our money/accounts

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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company CAPITAL ONE 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 {$470.00}. 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: DC

Complaint narrative:
I have received a copy of my credit report and it shows company 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 {$1000.00}. 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 — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am trying to temporarily lift a credit freeze on my Equifax credit report. I have tried the myEquifax website, the XXXX XXXX  XXXX site, and also the customer phone line. None of these avenues works. The website gives me the following error message, and a link that diverts you to the phone line : We are temporarily unable to retrieve the status of your security freeze. Please click " Manage a freeze '' for more details. 

The phone line will accept all your personal information and quiz you about your background, but once all is accepted, will tell you that it is unable to retrieve any of your information and that it is not working. I was able to unfreeze my credit from the other two agencies within 5 minutes, but am spending hours trying to get my credit unfrozen with Equifax.

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: Westlake Services, LLC
State: DC

Complaint narrative:
I have reviewed a copy of my credit report and I show company WESTLAKE FIN 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 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/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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has been fraudulently reporting that my student loans have been increasing, causing my score to continue to fall. 
I have been in a repayment contract with XXXX for the last 12 months from XX/XX/XXXX to XX/XX/XXXX. 
I noticed in XXXX that TU reported my loans interest had increased. Then again in XXXX they reported an increase. Both times docking g my credit score for a total of XXXX points. However I have paperwork showing no increase. I contacted XXXX and they replies that they d is not report any increases and sent a letter stating this. I told Transunion amd they did nothing. I submitted the letter along with monthly statements XXXX asked for those points to be reversed. I was told Transunion does not control that number and there was nothing they could do. I tried to file a dispute but I am told that the dispute feature is down every time I try. 
I spoke to the transunion support dept and was told they would file disputes on my behalf, I have the chat log still, they never filed. I currently have no open disputes, when I attempt to file a dispute I am told the system is down or they are having difficulties to try later. Screenshot attached.

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