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: NH

Complaint narrative:
Simple Bank ceased operations and transferred customers to BBVA USA on XX/XX/2021. Instructions were provided to activate new account and seemed pretty straightforward however when attempted, I was bombarded with error messages and told to call a customer service number. I tried calling the customer service number probably 20 times and each time I was connected with someone, they pretended that they could not hear me and said to call back. BVAA did not send out any emails regarding this but put out an apology tweet. It is now Sunday XX/XX/XXXX and I do not have access to managing my money because my account is locked and customer service is purposefully not helping.

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

Complaint narrative:
I was a happy customer of Simple Bank. They decided to shut that bank down and transition everyone to BBVA. 

This transition happened yesterday ( probably ). I tried to enroll as a new BBVA customer, per the instructions in the emailand my accounts are now locked and inaccessible. Calling the CS number results in being hung up on, in the rare occasion they even answer to begin with. 

I have spent the better part of the past two days attempting to unlock my accounts, so I can pay bills and make sure all my automatic payments are still on track to be paid. 

This is a mess. And what makes it all worse is : I didnt ask for this. I dont actually want to be a BBVA customer, but, until my accounts are unlocked, I cant even close them down and move my money to a competent bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
PHOENIX FINANCIAL SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX has been sending me collection notices in the amount of {$1400.00} the collection has been reported past due balance. I do not know this company and I have Never done any business with this company. This company does not have a contract with my signature on it!

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: NM

Complaint narrative:
For months, my bank, Simple, has notified its customers that they were closing and we would be automatically transitioned to BBVA. Yesterday was the transition date and now every Simple customer has lost access to their money for two days now. BBVA has done nothing to remedy the situation aside from a few incorrect tweets. There was clearly no testing done on this important transition and the response clearly shows a lack of care on the part of BBVA.

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 — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Multiple calls between XXXX and current from different numbers from portfolio recovery. Told every single time not to call but to contact by mail. Portfolio recovery has also called family members and told them they were attempting to collect a debt from 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
DateXXXX XXXX, XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, DC XXXX Request Originator DateSep XXXX, XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, 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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Someone was suppose to handle the situation.

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 — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened a Citi priority account with {$700.00} welcome bonus on XX/XX/XXXX. XXXX. All the requirements were meet by XX/XX/XXXX. It has been about 60 days since both requirements were meet, however, the bonus has not been posted yet. Please ask Citi to honor the offer and post the credit as soon as possible. 

Here are more details. The requirement to earn {$700.00} bonus is to keep deposit $ XXXX within first 30 days of opening the account and maintain a minimum balance of $ XXXX for 60 days. My accounts have more than $ XXXX balance since XX/XX/XXXX. So, this requirement is fulfilled by XX/XX/XXXX. Please ask Citi to post {$700.00} credit as advertised.

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: OR

Complaint narrative:
On XX/XX/XXXX, BBVA acquired all Simple customers. BBVA was the parent company for Simple bank - so this should have been seamless. For 5 months, Simple customers were told that on XX/XX/XXXX, all accounts would be transferred to BBVA - checking, routing, and debit card numbers would remain the same. Simple customers could not set up their accounts until XX/XX/XXXX. 

On XX/XX/XXXX, no Simple customers had access to their accounts due to errors. We never received an email from BBVA. For over 2 days, millions of people have been locked out of their accounts, cant reach customer service, had routing numbers changed without notice, had accounts / debit cards locked without notice. Ive been on hold for XXXX  hours on Saturday and XXXX hours on Sunday with no answer. I dont know where my money is, I have no access to my account or account balance, I cant deposit my paycheck, a direct deposit got returned due to a routing number change that wasnt supposed to happen ( and I cant update it with that employer because I have no access to even know what my routing number is and I cant get a hold of anybody ). All through this there is ZERO communication or information from BBVA.

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

Complaint narrative:
BBVA Compass bank shut down Simple Bank and stated to its customers that they would be transitioning all Simple accounts to BBVA accounts. Customers are told that account numbers would stay the same and the Simple debit cards would still work. It's been two days since the date of transition, XX/XX/2021, and I'm not able to access my old Simple account or create my online BBVA account. My debit card is not working and I have no access to my money because everyone who has a Simple accounts had their accounts locked by BBVA. BBVA had this transition planned for months. The ONLY correspondence from them has been ONE apology on their XXXX account. I found this by accident googling this issue. I don't have a XXXX account so how was I suppose to know anything that's going on? I couldn't even get an email explaining why I couldn't access my money,. When calling customer service their representatives pretend they can't hear you and hang up or you're put on hold and then your call just gets disconnected. At this point I'm sure it's considered theft.

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:
On XX/XX/2021 Simple Bank Checking and Savings accounts which were managed by BBVA were transitioned to BBVA Checking and Saving accounts. Initially, BBVA sent instructions for how to complete transitioning your account to BBVA 's services. In this process, multiple system errors occurred with both the online banking webpage and the mobile banking app. Customer service was unavailable to answer calls when open and was unable to resolve the issue after the account was locked despite following steps detailed in BBVA 's instructions for transitioning the account. 

On XX/XX/2021, I learned that these issues were persisting and I had not heard any updates from BBVA via e-mail. Later I found that BBVA was providing updates on these issues via XXXX, but failed to reach out to account holders via e-mail addresses. When calling customer service on XX/XX/2021 extremely long holds and failure of customer service agents to address issues continues to mean I and others have been unable to access their bank accounts, transfer money, and make changes to accounts. These inabilities to make changes are likely to result in failed payments, missing funds, and unauthorized fees due to the inability to make changes to the account settings. The company, BBVA, continues to fail to address these issues.

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 using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: NV

Complaint narrative:
Between XXXX and XXXX BBVA failed to protect my account and illegally and unlawfully allowed some one to unlock my account call for ACH transfers and Use my debt card at a rate I never had. BBVA failed to secure my account when all the Suspicious transactions and purchases were being done BBVA allow a repeat of transactions to be done over and over BBVA allow ACH transfers to be done that Ive never been done before BBVA feel to protect my account has calls me a loss BBVA has ignored my demand to resolve this issue, failed to assist me in getting my funds back, and has not responded to my emails, letters, or calls. I have emailed BBVA several times, went to the branch, and still to date I have been assisted by BBVA. Im demanding a full refund and audit of my account to ensure all illegally removed and transferred funds are replaced in my account l.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are accounts an address, and inquiries listed on my credit report that do not belong to me. Please remove them. 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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have reached out to Experian credit to dispute inaccurate information on my credit report and they have yet to correct the issue, I have submitted documents over to them about inaccurate information and told them to remove it because they a violating the fCRA and still have this information on my credit report that is inaccurate. 

The three accounts that are in dispute for inaccurate information and need to be removed due to that are as followed, also attachment are included to verify this 1. XXXX XXXX XXXX ( inaccurate payment history 2 XXXX XXXX ( balance is incorrect and this is not a charge off account ) 3. XXXX XXXX ( balance is incorrect and not a charge off account )

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
My CashApp account was taken over by scammers and over {$9000.00} has been stolen from my accounts. I have contacted cashapp and all the did was close my account for violating TOS. CashApp security is lacking or this wouldnt have ever happened, and I desperately need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one inquires on XX/XX/XXXX and XX/XX/XXXX .... 
XXXX Bank inquiry on XX/XX/XXXXXXXX XXXX XXXX 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 — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal limited my account without any reason. 
I have already verify my account. I sent all information I try to contact the company many time, but they just said is in review. 
Could you please help me with that problem. 

My email is XXXX i hope get help for this issue.

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: TN

Complaint narrative:
I reviewed my XXXX XXXX, Equifax and XXXX credit report and the following account and credit inquiries are not my account or credit inquiries : XXXX XXXX XXXX XXXXXX/XX/2019, {$37000.00}, the following credit inquiries are not my credit inquiries : XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX, XX/XX/2019, XXXX XXXX XXXX, XX/XX/2019 and XXXX XX/XX/3019

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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I reviewed my XXXX XXXX, XXXX and Experian credit report and the following account and credit inquiries are not my account or credit inquiries : XXXX XXXX XXXX XX/XX/2019, {$37000.00}, the following credit inquiries are not my credit inquiries : XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX, XX/XX/2019, XXXX XXXX XXXX, XX/XX/2019 and XXXX, XX/XX/3019

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: IN

Complaint narrative:
My mortgage was sold off to M & T Bank for servicing and in XXXX XXXX I received a phone call saying my mortgage payment was delinquent. I explained to them my mortgage began in XX/XX/XXXX and it comes directly out of my checking account. M & T stated that my mortgage payment was {$50.00} too short. I explained to them to take it out of my checking account since my mortgage payment has always been set up as a direct withdrawal out of my checking account since XXXX. They said my property tax had gone up, so it was {$50.00} more ( per month/payment ). After a long discussion with someone in the Servicing Department, they advised that I need to sign a form to have the additional amount taken out each month, so I told them to send me the form and they agreed. Nothing was sent so I kept calling them and they would tell me they would send the form. This went on for months and they kept calling telling me my payment was delinquent. I have tried for months to get them to rectify this to no avail. Now they are telling me my mortgage is in default and threatening foreclosure. It is impossible to reach anyone in their corporate office and the only personnel I can reach are the mortgage servicing people who don't seem to get it. I have called seven ( 7 ) New York M & T Branches around XXXX NY and talked to them for help. Each one said they were immediately emailing the corporate office and would have someone call me ASAP. For 6 months NO ONE has called except the Mortgage Servicing people harassing me so I finally told them I would no longer speak to the mortgage servicing department due to their ineptness and that I was requesting a phone call from Corporate to resolve the issue. They refused and to this day I am now being threatened with foreclosure even though my mortgage payment has ALWAYS been taken directly out of my checking since XXXX. I am desperate. I can not get a resolve and they won't take the correct amount out of my checking each month and yet they claim it is my fault. PLEASE HELP! I feel like all they must do is to ignore fixing the problem and then one day just foreclose on my home and leave me homeless. This has become a nightmare.

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: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I used to have an account with XXXX XXXX XXXX and my account was closed in XX/XX/2020 and the amount was XXXX. 

They sell my debit to q company called midland and this company its playing with my credit after I filled a disputed in XXXX and XXXX XXXX After any disputed they include a extra dollar in my debts they are trying charge my XXXX $ and they put my closed account was XX/XX/2020! 

I ask than to put the right information but they laughed!

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: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a closed account on my credit report with SYNCB/LOWES XXXX XXXX XXXX XXXX, FL XXXX XXXX showing a report balance of {$7500.00} I do not know this company, I have never done business with this company and they don't any contract with my signature.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I reviewed my Trans Union, XXXX and XXXX credit report and the following account and credit inquiries are not my account or credit inquiries : XXXX XXXX XXXX XXXXXX/XX/2019, {$37000.00}, the following credit inquiries are not my credit inquiries : XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX, XX/XX/2019, XXXX XXXX XXXX, XX/XX/2019 and 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 2021-05-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are accounts an address, and inquiries listed on my credit report that do not belong to me. Please remove them. Thank you.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
I went to XXXX XXXX medical center in XXXX a few years ago around XXXX. My experience there was TERRIBLE while on the bed trying to explain what was going on the Dr. Told me I have patients that are dying and that's more important than what's going on with you. She proceeded to walk out and I was discharged while still in pain and nothing was done. My insurance paid for this incredibly neglectful service. As of XX/XX/XXXX the same hospital sends me a collection bill of {$1500.00}. Again I have not one but two insurances, one of my insurances alone covered the entire bill. The dispute was found to be correct my insurance paid this contract but yet they are still going after me for this amount and my credit score has been affected for almost two years as this is the biggest debt I have in collections. It was filed incorrectly, and they are coming after me vigorously and maliciously for a debt that was already paid.

Company response to consumer: Closed with explanation